LargeOrangeFont
We aren't happy until you aren't happy
- Joined
- Sep 4, 2015
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Lets remove the treat /no treat variable because thats ridiculously severe.
IF that person is on a corporate plan I am paying their bill (or their company is) and their choices effect everyone else on that plan.
If you chose no to wear a helmet and have a wreck - there should be some consequence to that decision in terms of what you pay to get treated, or what society owes you if you get laid up for life because of your choice.
You CANNOT be a smoker or obese, or an alcoholic and get independent insurance for any reasonable amount of money today- you will pay for your choices. The ONLY way these people get plans is under a corporate umbrella which anonymizes their choices.
What people want is unlimited personal choice with no consequence and for someone else to picks up the tab if it all goes pear shaped.
I think the kids on bicycles are at extremely low risk and Im ok with society helping out children that have bicycle wreck. (we do anyway)
If we look at the data we should probably be helmeting them in the tub/ shower.
I think once you get into skateboard parks and stuff like that it changes.
For the purposes of this thread specifically, look what happened today.. the J&J vaccine is being halted. I'm not against a covid vaccine, but I don't buy new cars the first year they come out (Speed UTV being the exception ) I'm not going to take version 1.0 of a vaccine for a virus that has a .0001% chance of killing me and I have to be tested to even know I have it.
Insurance IS someone paying for the consequences of your personal choices.... that is the entire premise of insurance, to be made whole when things go bad.
But you still are not "paying" for your choices. You are paying a higher premium sure, but it is still insurance and you are still lumped into the risk pool. You are not paying the full bill for your care in many cases, even when you factor in the premiums. I'm talking about the average person here, even one that is overweight or smokes/drinks. I have paid way more into the system than I have taken out.
I'm for all for personal responsibility, but it does not cost $500 to see a doctor for 10 mins. It does not cost $65,000 to be in the hospital for 2 days to birth a child. and that is the problem. Let the markets decide pricing and let people decide what level of care they want.
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