Re:Frail Older Patients Struggle After Even Minor Operations
by kube-system on Monday December 16, 2019 @04:17PM
(#21807297)
Many people do think like that, and it is likely a significant contributing factor to the cost of health insurance.
I do pay for my insurance personally. Health insurance law is somewhat different than most other forms of insurance in that the premium cannot be increased no matter my frequency or magnitude of previous claims. [0]
My marginal use is a merely a rounding error in the context of my health insurer's outlays. Nothing I could do would personally affect my rate. The aggregate of many thousands of people's use determines my rate, and for that, the tragedy of the commons is fully in charge.
I do pay for my insurance personally. Health insurance law is somewhat different than most other forms of insurance in that the premium cannot be increased no matter my frequency or magnitude of previous claims. [0]
My marginal use is a merely a rounding error in the context of my health insurer's outlays. Nothing I could do would personally affect my rate. The aggregate of many thousands of people's use determines my rate, and for that, the tragedy of the commons is fully in charge.
[0]: https://www.healthcare.gov/how-plans-set-your-premiums/