Cindy Hamilton wrote:
>
> On Monday, April 11, 2016 at 8:44:46 PM UTC-4, Jeßus wrote:
> > On Mon, 11 Apr 2016 20:32:10 -0400, Ed Pawlowski > wrote:
> >
> > >There is also a segment of people that can afford reasonably priced
> > >insurance but in the past were denied coverage due to pre-existing
> > >conditions. For a mere $10,000 a year in premiums you can get $250,000
> > >in benefits. I'd do it if I was in that position.
> >
> > 10 GRAND a year, just for insurance? 10 thousand dollars? For just ONE
> > year?
>
> Yep. That's why I'm grateful to have my husband's employer pay half
> the cost.

You should be grateful too. Years ago, I worked for a company. It's
the same one that I work for now. My health insurance was paid
completely for family coverage by the company.

Then when I became a single parent and needed more flexible time, I
quit and started my own business. Health care started out costing me
$85 per month for me and my daughter (suscriber and one minor) and
deductible was only $100 per year for each of us. Co-pay of
prescriptions was never offered either.

Over the next 14-15 years, we rarely went to the doctor so the
insurance company never paid a penny for out health care...not one
cent. Even though we cost them nothing, they constantly raised the
rates and/or the annual deductible every couple of years.

When I turned age 50, the new policy jumped to $425 per month and
$1500 deductible. Keep in mind too that we never even met the
deductible so I was paying all that insurance money and getting
nothing back.

That's when I dropped it. I literally couldn't afford it. My ignorant
father (who has govt. paid insurance help) mumbled that I couldn't
afford NOT to have it. Idiot. I told him, "Dad, I can't pay the
premium if it's not in my bank account." He had no clue since his was
supplimented.

So anyway, almost 20 years to the day, my business was hurting so I
went back to the old company that gave me so many benefits. Father was
out of it and his worthless son had taken over. Very little benefits
since then. The son wants all the money for himself. He would make a
good exec for Walmart. heheh

I've gone almost 13 years now without health insurance. At my age,
it's like playing "Russian Roulette." These are the very years that I
should have it. I've "saved" a ton of insurance money (assuming I
could have paid it, but I couldn't).

Many people have employer provided insurance to some extent. They
often run to the doctor for every little sniffle since they only have
to pay $20 per visit and meds are cheap. These are the people that run
up the insurance/medical costs.

Anyone that doesn't believe me...go try to buy insurance on your own
with no company co-pay. What ever they charge you, you'll get no
returns unless some very serious hospitalization is required.

Again though...I'm not sitting here wringing my hands and crying that
it's not fair. Nobody owes me anything. I made my decisions in life
(right or wrong). I make lots of sacrifices to accept and deal with my
situation. I'm not resentful at all. And as I said, like many without
insurance, I'll probably die someday for something stupid just because
I can't afford to get it fixed. I'm just one of the worthless and the
world will go on fine without me.. oh man! ;o

Hey... :-D I take life one day at a time.