Reply to Drs office charging monthly fee for "better service"??

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[quote=Anonymous]Actuary here again.  PP who lost coverage is on the right track.  Here's the thing, right now insurance companies can exclude pre-existing conditions because it's always been that way outside employer coverage, if one company tomorrow decided not to, all the people with high cost conditions flock to that company and it will go bankrupt which helps no one.  All the companies need to be forced to start covering all people with pre-exisiting.  Young people need to buy into the system (forced or else why would they) and support the older and sicker people in society.  In the future those younger will subsidize them.   If they get in a car wreck they won't go bankrupt.  If you can afford a cell phone you should have health insurance.

Hello Obamacare, that's a good step and should happen.  I don't think Obamacare is great and it's caused some increases in costs, but fundamentals of it are necessary or else we are talking rationing of care very soon.  We are out of $$ as a country.  It forces the healthy to pay in NOW and gets those exlcuded from coverage in at an appropriate price.  Insurers want more people covered.  They especially want young people and even families like yours.  Yes, COBRA is actually $2000, your employer is just no longer paying the majority of the cost.  COBRA rates are maybe only 2% higher than what your employer is paying now for families.  Believe me, insurance companies lose money on COBRA, and guess who decides to stay and pay $2000 a month, the already very sick and heavy utilizers.  Average claims for a family of 4 can easily be $2000, people just don't realize how much the employer is covering beyond your copays and deductions.[/quote]

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