It is so abundantly clear that the GOP lawmakers in charge of health care reform simply do not understand the concept of risk sharing or spreading the risk. Asking that people with pre-existing conditions pay more is precisely one of the contributing factors that produced so many people with no insurance that the ACA was designed to fix.
Essentially, what the insurance companies wish to do is sell policies to people that they won’t actually use. Healthy people pay into the system month after month, year after year, and, because they are healthy, they do not use the services. It’s a highly profitable business.
However, folks with chronic health issues use health care services regularly. They require frequent doctors visits, use more expensive services, have much higher expense for meds.
The ENTIRE point of insurance is to spread the risk and the expense
. If we had no insurance at all, healthy people would pay virtually nothing and then later in life or with unexpected illness would suddenly be faced with crippling medical expense. Young people would typically need little health care but without exception, they will need those services eventually. So, we are in a situation in which the Baby Boom generation, my generation, are now getting old. In May first I was enrolled in Medicare. After a very active life, I have a number of injuries which need to be addressed. Forty years of martial arts training have made me a “high mileage vehicle” so to speak.
My wife and I have paid a fortune for health insurance every month for years. Yet I have not been able to afford to have my various injuries treated due to high deductibles coupled with insufficient coverage (50% to 80% depending on the condition). And our income as a family is quite a bit greater than that of the average American.
The whole point of national health insurance policy is to have young folks and healthy people “pay it forward”. The younger, healthier segment of the population pays more for coverage than they use thereby subsidizing the folks that have reached the stage in their lives at which they will inevitably need more services. It is precisely at old age, at the retirement stage of life that people end up on fixed incomes and have the least resources to pay for their health care needs.
The right wing of the GOP seems to not understand this concept at all. They keep asking why anyone should be paying for services that they do not use? Why should men pay for women’s health services? Why should the young pay for the old? Why should folks who are healthy pay for the folks that require health care services?
This is a totally “classist” approach. It is a fact that the poor, as a direct result of their own poverty, require more health care support. Since they do not get it under our current system, their general health outcomes are far worse than the general population. GOP proposals would only make this worse.
This is quite simply an application of that Ayn Rand, radical free market, extreme individual responsibility which questions why anyone would do anything that would help anyone else? It’s a sort of radical application of extreme property rights philosophy in which asking anyone to pay anything for something they don’t themselves need is theft and a form of government interference in the rights of the individual.
In reality this is an extreme form of radical libertarian thinking that would love to see health care left 100% in the hands of the market place. Everyone would pay his own way. This would be a return to a Dickensian world in which the poor are not only denied any assistance in health care, housing, food, whatever, but they are actively penalized for being poor. Getting in debt resulted in imprisonment in the work house. It is a world in which any health crisis would simply bring ruination to a whole family. Even with the current system we have, the number one cause of personal bankruptcy is medical costs
In this world the rich have whatever they need and everyone else is left to their own devices. This is the direction that the Freedom Caucus and the radical right of the GOP wants to take us on health care. We absolutely depend on our Democrats to remain united and hopefully join with the few non-insane, moderate Republicans left in Congress to come up with a fix for some of the issues with the ACA, rather than trashing the whole thing and setting up some libertarian free market program which will throw millions out of coverage and provide substandard coverage for most of the rest of us while the 1% gets the finest health care in the world.
Article: Republican: People With Preexisting Conditions Should Pay More