I maintained insurance for over 20 years, totally self-paid, $5000 deductible. No prescriptions or mammograms. It had a million dollar cap. Never really used it, so I guess that the over $200,000 I paid in premiums helped to keep the insurance industry thriving.
Finally, at the end of 2008, my premium were so outrageous that I just couldn’t keep it going. The percentage of rate increases was increasing exponentially. I tried to have faith that the government would step in and limit the extent of premium increases. Surely, I’d be able to find a different insurance company. Didn’t even get a courtesy call or card, thanking me for my past business.
Wouldn’t you know it, as soon as I canceled, I truly needed it. EVen at the exorbitant cost. An aggravation that I’m sure many experience, is the stress that not having insurance brings.
It will be interesting to see whether there is a place for me in this whole healthcare deal. I have decided that I am not going to bankrupt the family to pay for tests and treatment. I just couldn’t do it. Maybe something reasonable will develop…or, maybe I’ll be another one who slips through the cracks.
I don’t expect, and never have, anything free. What I do expect, is a system that is not fraught with fraud…with premiums that can go up as much as nearly 20-percent within a 6-month period.
While I agree that we must help those less fortunate than ourselves…after having to forfeit my own coverage, I’m not happy paying (as but one example) for an illegal’s healthcare. There’s much that I could say here, but, I’ll leave it at…that one fact, is a large bone of contention for many Americans. It’s a divider among us…a very unfortunate one.