re: #42 lawhawk

Why are healthy people paying insurance premiums that cover the sick?!

Besides the fact that this is how all insurance operates? People who drive and have good records defray the costs of bad drivers. People who are healthy help defray the cost of health care when someone is sick. That’s how all insurance operates.

Insurers make money when their actuaries do the math to make sure that the premiums more than cover the costs they expect to pay out. This is literally how insurance works.

while insurance is generally protection against the undesired possible (auto, fire), health insurance is virtually a guaranteed need