Saturday, December 26, 2009

Why Universal Health Insurance Is Better Than Health Care Reform

I have a simple understanding of insurance: the larger the pool of lives insured, the lower the rate paid by each member of that pool.

Is there anyone who works with insurance more directly who can confirm or correct that understanding? Because if that is an accurate understanding, than we should be looking to cover as many people - as many lives - as possible. We shouldn't be looking for silly things like, "this person over here is not a citizen" or "that person over there has a pre-existing condition". Insurance by its nature recognizes that some people will face illness more acutely than others - we just do not know whom. This is the sole purpose for providing insurance: to prepare - in advance - for that risk of the unknown. Once the unknown has become known, is not the time to begin severing people from the commitment. Rather, that is the time to fulfill the promise made: whichever one of us is felled by the random dangers of life, the rest of us will be there for you.

You can count on us.

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