Despite what insurance companies would like you to believe, it doesn’t cost you more when someone else is doing something that isn’t healthy. The insurance companies have been propagating this myth that you have to pay more because they have to cover unhealthy people. It simply isn’t true.
Insurance companies pulled this same scam in relation to insurance fraud a number of years ago. Back then they aired a commercial telling people to report insurance fraud because if they don’t, then the cost of their insurance would go up. Their claim was that because they lose money, they have to pass that loss on to you the consumer. The thing is that they don’t!
If they lose money, than it is a sad day for them. It isn’t a sad day for you. They lost money. They don’t have to pass that lose on to you. They pass that lose on to you because they are greedy fucks.
If person A does drugs and/or eats bad food, it does NOT cost person B. It costs the Health Insurance companies! The Health Insurance companies are greedy fucks who don’t want to deliver the services that were paid for by their customers (person A and person B). So they charge both person A and person B more. But they don’t have to do that. It isn’t person A’s fault that person B was charged unfairly. The insurance companies are just using this stuff as an excuse to raise rates and make even more money in profits.
The fact is that in business, there will be good years and bad years. Some years you make less money than you did the previous year. But that isn’t the case with insurance companies. No, if they are having a bad year, they just charge you more and then buy politicians to enact laws to make sure that you have to pay. There is never a bad year and every year is guaranteed to be much more profitable than the year before.
I’m a big fan of The Young Turks, but even they get brainwashed by the insurance companies to think that if someone costs the insurance companies more, that cost must be passed on to them. At the end of this video, Ana talks about how someone else’s habits impact her health care costs:
The Young Turks are no fans of insurance companies and Ana is extremely intelligent. The fact that she bought into this idea shows just how much the insurance companies have brainwashed us all into thinking that it is okay for them to pass on their losses to their customers in order to maintain or raise their profits.