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#i don't work in health insurance so I don't have any clarity from the inside of that
thatmartiangirl
·
10 months
Text
Working in the insurance industry and getting a better idea of how it works and it's becoming clearer and clearer how bonkers it is that the healthcare system in this country is insurance based
#martian ramblings
#i don't work in health insurance so I don't have any clarity from the inside of that
#i work in professional liability insurance
#entirely different
#because the way that most insurance works is that the things that are insured are expensive and unlikely
#ie you pay a little money each month to insure your car and probably won't get into a car accident
#but if you do get into a car accident you won't be out tens of thousands of dollars to rectify the problem
#(buying yourself and/or someone else a new car buying a rental or paying medical expenses/time missed from work)
#but health insurance is weird because you will need to go to the doctor
#it's incredibly likely
#its how aging works
#and with stuff like aforementioned car insurance if someone's a riskier insured (ie a reckless driver)
#you up their premium costs
#(or stop insuring them)
#but with medical stuff it's illegal and morally bankrupt to not cover someone for being at a higher risk of medical conditions
#so it really makes no sense for healthcare to be insurance based
#it'd be like if your car insurance also covered car maintenance
#which would just bloat insurance costs and result in car maintenance and repairs not being done promptly
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