UncleBuck
Well-Known Member
...then why do we have health insurance, since needing health care is inevitable?
i can understand why we have auto insurance, since getting into a vehicle accident which injures someone is not inevitable. still, it's nice to know that the driver who just cut me off and put me into the telephone pole has basic 30/60 coverage to cover the bill on my broken leg and whiplash.
i can understand why we have homeowner's insurance, since my grow room burning down my house is not inevitable. still, it's nice to know that everything in my house can be replaced if the shoddy, decades old wiring in my house decides to go on the fritz when i'm not here to extinguish it.
but health insurance is different. the fact is that every single one of us will need health care at some point in our lives, and many of us will need a lot of it.
so why handle the inevitable with actuarial tables, instead of just treating it like the inevitability that it truly is?
i can understand why we have auto insurance, since getting into a vehicle accident which injures someone is not inevitable. still, it's nice to know that the driver who just cut me off and put me into the telephone pole has basic 30/60 coverage to cover the bill on my broken leg and whiplash.
i can understand why we have homeowner's insurance, since my grow room burning down my house is not inevitable. still, it's nice to know that everything in my house can be replaced if the shoddy, decades old wiring in my house decides to go on the fritz when i'm not here to extinguish it.
but health insurance is different. the fact is that every single one of us will need health care at some point in our lives, and many of us will need a lot of it.
so why handle the inevitable with actuarial tables, instead of just treating it like the inevitability that it truly is?