We pay the middlemen, yes. I don’t see how we pay for other people’s healthcare. The private insurance that I’ve experienced takes many factors into account (age, quality of health, pre-existing conditions and so on). Thankfully because I’m both young, and don’t have pre-existing conditions, I pay less insurance premiums than a kid born with diabetes.
Remember, we’re talking about technicality here. We aren’t talking about ethics. Strictly from a money standpoint, we’re not paying for other people’s insurance.
If you pay for insurance you are paying for other people’s Healthcare. The whole reason to do insurance is that you have the ability to use more money from it than you ever put in, but will hopefully never need to. Otherwise it would make more sense to just have a health savings account.
What about the premiums though? Say the insurance premiums for x amount of coverage are 100 dollars. Doesn’t matter if I’m a billionaire or if I’m homeless. The premium stays the same.
In a single payer universal healthcare system however, the premium would be a percentage of my income (collected via taxes). Suddenly, the 100 dollars becomes hundreds of thousands of dollars. Therefore, from my perspective, I am “paying for someone else’s healthcare”. This is the technicality that I’m talking about.
Now of course, fuck my perspective because fuck billionaires. This however, is out of scope of the discussion.
You also have to consider that the healthcare is worth a lot more money to the billionaire than the homeless guy. Just like the roads and the protection of the armed forces worth more money to him. I’m sure the billionaire is a fan of price discrimination too, conveniently enough!
Yes you are. The insurance company takes money from healthy people, scoops some off the top for themselves, and then distributes the rest to pay for grandmas hip replacement.
Unless you use the same or more than what you paid into insurance, you are subsidizing someone elses healthcare.
We pay the middlemen, yes. I don’t see how we pay for other people’s healthcare. The private insurance that I’ve experienced takes many factors into account (age, quality of health, pre-existing conditions and so on). Thankfully because I’m both young, and don’t have pre-existing conditions, I pay less insurance premiums than a kid born with diabetes.
Remember, we’re talking about technicality here. We aren’t talking about ethics. Strictly from a money standpoint, we’re not paying for other people’s insurance.
If you pay for insurance you are paying for other people’s Healthcare. The whole reason to do insurance is that you have the ability to use more money from it than you ever put in, but will hopefully never need to. Otherwise it would make more sense to just have a health savings account.
What about the premiums though? Say the insurance premiums for x amount of coverage are 100 dollars. Doesn’t matter if I’m a billionaire or if I’m homeless. The premium stays the same.
In a single payer universal healthcare system however, the premium would be a percentage of my income (collected via taxes). Suddenly, the 100 dollars becomes hundreds of thousands of dollars. Therefore, from my perspective, I am “paying for someone else’s healthcare”. This is the technicality that I’m talking about.
Now of course, fuck my perspective because fuck billionaires. This however, is out of scope of the discussion.
You also have to consider that the healthcare is worth a lot more money to the billionaire than the homeless guy. Just like the roads and the protection of the armed forces worth more money to him. I’m sure the billionaire is a fan of price discrimination too, conveniently enough!
Yes you are. The insurance company takes money from healthy people, scoops some off the top for themselves, and then distributes the rest to pay for grandmas hip replacement.
Unless you use the same or more than what you paid into insurance, you are subsidizing someone elses healthcare.