Biggest reason rates are climbing is now they HAVE to insure very high risk people. The cannot deniegh based on pre existing conditions. So that means if they sell health coverage they have to insure everyone who wants to buy. You would see big rate increases in home and auto if they passed a law saying no one can be denied, drunks, people who's home are in high risk areas and so on. It's cause they know they are going to have to pay out more with people like my BIL, 41 yo with heart problems who sees the doctor once a week. That cost the insurance company more.
The only option left to the insurance companies is to stop selling medical coverage.
These companies have to make a profit! If they don't they will not be around long. Check out the gross profits from the HMO's, pharmaceutical companies and tort law. That's where most of the money is going, not in the insurance companies pockets.
If we tried to have the government provide healt care everyone would wind up paying taxes to the tune of about 40%.
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Today's Featured Article - Sunday Drives - by Cowboy. Summer was finally upon us here in Northern Maine. We have two types of industry up here, one being "Forestry" (Wood Products) and the other "Farming" (Potatoes). There is no shortage of farm tractors and equipment around here! I have been restoring old Farm Tractors for the past 6 years, and have found it easier and less expensive to hit all the auctions and purchase whole tractors for parts needed. My wife who works at a local school, and only has weekends and summers off, while on t
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