A big part of the increase many people saw is because Obamacare no longer allowed insurance companies to charge old people a lot more. Before that insurance companies could set premiums of 80 year olds based on the costs of insuring 80 year olds and the same with 20 year olds. Under Obamacare there was a limit, insurance companies could not charge the 80 year olds more than a certain amount higher than the 20 year olds (very rough explanation). This saved the 80 year olds but all the 20 year olds had to pay more to cover the costs. There were other things that added to the overall cost of healthcare too of course such as requiring insurance companies to cover pre-existing conditions.

So as it relates to the idea of insurance surrounding covid is it fair to spread the cost around amongst everyone or is it fair to charge more to the groups that are more likely to incur more costs?

Not sure if I mentioned this before but there was a news story about a company that banned its employees from smoking because smokers are more expensive to cover.

Do you fit in the "old" category?

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So as it relates to the idea of insurance surrounding covid is it fair to spread the cost around amongst everyone or is it fair to charge more to the groups that are more likely to incur more costs?
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Is health care a Right ?
I couldn’t find anything that said it is, only should be.

Is health insurance a private capitalist industry ? Yes. But regulated by government.
Life Insurance. Tobacco user. More expensive.
Is it free enterprise or not ?
They can make up whatever rules they want. Within the rules the govt. gives ‘em.
Wanna buy it, buy it. You don’t, don’t.
Until Obamacare got involved.

Should health care be a Right ?
That would require universal health care.
And if not and it’s semi free enterprise, they can deny service to whoever they want. IMO. (Except I don’t think they can.)

IMO. Hawaii was way ahead of the game making employers contribute to insurance (not healthcare)
Might have resulted in plenty part time only workers though.
Everybody (not everybody) does their work arounds. Free Market.

So unvaxxed same as tobacco user ?
Clearly the current research is showing more unvaxxed in hospitals than vaxxed in the U.S. (pick your source.)

Insurance is based on spreading the cost of the few to the many. That’s the basic premise.
If too many are costing, premiums go up for everybody. Or you choose your customers more carefully.
Hence the hurricane and earthquake and flood insurance problems.
The risk and losses are concentrated. If you recognize a flood zone you charge more money.

That could have been (might still be) the Texas abortion end around.
No need get vaxxed but pay out of your ass for health insurance. Civil penalty. No enforcement involved.

Why should you pay out the ass if you are unvaxxed?

Real doctor Green said a month ago about 200k people were unvaxxed (minus under 18). So to see 200k, which is probably less now affect any rates is 100% political.

But its all G. Cause its for the continuation of our nation.

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Like with all things free market.
Because they could say so. And it’s their product you’re buying.
They just need to justify the rate adjustment to the government. Which is not hard. Cause they’re piloting the ship on the same course.

Why should you pay out the ass if you are unvaxxed? Overwhelming majority of COVID infections are not life threatening. Go take a COVID test the follow up email is literally 'stay home, isolate from others, drink fluids and take OTC cold remedies, do not go to the hospital unless you become severely winded (cannot take more than 40 steps)'.

In the specific case of COVID, charging the unvaccinated more is a purely political "solution."

Does the vaccine prevent infection?  Not 100%.

Does the vaccine prevent that individual from infecting others?  Not even close to 100%.

Does everyone who declines vaccination get infected?  No.

Does everyone who declines vaccination infect others?  No.

Does everyone who declines vaccination have zero immunity?  No.  Natural immunity exists in most people who contracted COVID, whether or not they experienced any symptoms.

Without a real risk analysis to base the premiums on, I don't think you can penalize someone for not taking a vaccination that is only about 1 month past its FDA approval date.

Uh, “subjective”… not really…

How does your logic apply to health insurance? As applies to the nation?

And that’s just to start…

Are you saying that you think 200K people, about 1/5th of the population, couldn't have a significant rate on the number of infections? Id on't know how you are concluding this.

15% unvaxxed ? (By my research. Someone fact check me.)
What are hospitalization percentages?
Paints a picture.

Are they giving us honest and reliable numbers ? Whole ‘nother conversation.

Proving my point or making a point ?
15% unvaccinated make up 85% of the hospitalizations?

I don’t trust Josh Green’s numbers though. (Although they could be right.)
Don’t trust him as far as I can throw him.

Does he have connections to Wuhan ? Because this worked out perfectly for him.

Proving my point or making a point ?
15% unvaccinated make up 85% of the hospitalizations?

I don’t trust Josh Green’s numbers though. (Although they could be right.)
Don’t trust him as far as I can throw him.

Does he have connections to Wuhan ? Because this worked out perfectly for him.