I can’t help but see it this way too. And healthcare before some of the ACA’s protections was similar. “Yes, give us those premiums, everything’s looking pretty safe, we’ve got you covered if something happens! Wink wink, nothing does really, so we’ve got you!”
And then the moment that changes, it’s “woah there, too risky for us, are you crazy? We’re gonna lose money! You’re on your own”. And all the 10s of thousands paid when times were good and there was very little likelihood you’d need help are just gone, and fuck you.
I understand insurance companies only make sense if the risk of paying out heavily is small enough. But still, you paid to be covered when the shit gets bad, they should have to taper down over time or return some premiums or something. Not just “welp thanks for all the money, it looks like we’re gonna have to start giving some out soon so we’re just gonna stop here while we’re ahead”. It’s just a legal scam.
I can’t help but see it this way too. And healthcare before some of the ACA’s protections was similar. “Yes, give us those premiums, everything’s looking pretty safe, we’ve got you covered if something happens! Wink wink, nothing does really, so we’ve got you!”
And then the moment that changes, it’s “woah there, too risky for us, are you crazy? We’re gonna lose money! You’re on your own”. And all the 10s of thousands paid when times were good and there was very little likelihood you’d need help are just gone, and fuck you.
I understand insurance companies only make sense if the risk of paying out heavily is small enough. But still, you paid to be covered when the shit gets bad, they should have to taper down over time or return some premiums or something. Not just “welp thanks for all the money, it looks like we’re gonna have to start giving some out soon so we’re just gonna stop here while we’re ahead”. It’s just a legal scam.
Don’t forget it used to be “We’ve got you covered except for the thing you’re actually sick with.” from when they refused pre-existing conditions.
Wish I could forget my friend. My mother got clipped with that, she ain’t been with us for a while and I finished raising her daughter for her.
Fuck “health insurance” companies. Free Luigi Mangi-mothafuckin-one, too!