If I owned an insurance company I think it would only make sense to charge accordingly. People that do not exerciser or take care of themselves cost more to insure, that's it end of story. People that down hill ski for a living should pay more, it is dollars and cents. I also should be able to insure who I want, when I want. I should be able to charge whatever I want. But a deal is a deal. when i insure you and you make a claim I should honor that deal and pay out. I should't try and find every sleazy way to get out of the contract.
Now the issue of being charged $38 for a band aid or $1,487.00 for Tylenol should be adressed.
if you go to a hospital for anything that can be solved by a bandaid or tylenol you SHOULD be raked over the coals.
last time i went to the ER (9 years ago) i waited next to kids with the sniffles, idiots with minor cuts and scratches, dipshit junkies trying to get vicodin, and a dumbass with gas pains.
i sat there for 4 hours waiting, while dumb bitches demanded antibiotics for their kid's cold, gasbag finally let off his massive fart, and dumbasses with minor cuts were given bandaids, until finally i saw a croaker, who, upon hearing my symptoms, shit a brick, started ordering cat scans x-rays and blood tests, and began arguing with the desk nurse about how triage is supposed to work.
it turns out people who appear to be having a stroke should be seen before kids with the sniffles and junkies trying to get a fix.
our medical system is fucked up, but how it is paid for is the LEAST IMPORTANT ISSUE.