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I think private individual health insurance is a fraud. Do you agree?

Here is how individual insurance policies typically work: 1)Every year insurance companies create a new policy. For the next year they encourage people to sign up, then stop offering that policy to new people after one year. All of these people share the medical costs of everyone in the policy. 2) For the next half dozen years they encourage healthy people to upgrade to new policies. This leaves only the sick sharing medical expenses and the insurance premium goes up quickly. 3) A dozen years after each policy is made no one can afford the premium because everyone in the policy is sick and has major expenses. All of the ill people then lose their health insurance. 4) Now that the ill people have been filtered out from the healthy people they can't get insurance and are left to die by health insurance companies that could care less. My mother was one of the people filtered out when they sent her a sixteen thousand dollar premium bill for the year on a policy she joined over 15 years ago. She would like private insurance, but is turned down by every insurance company. She has to rely on government handouts to pay her medical costs. My opinion is the goal of health insurance is to defraud anyone who is has an illness. Do you agree?

Public Comments

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