quote:Originally posted by Jon:quote:Originally posted by True-Blue:
The more people you have on a policy the cheaper it is.
Wrong, the lower the combined risk factor to the insurance company, the lower the cost. If a group of HIV/Aids patients banded together and negotiated a group plan, I am pretty sure they'd pay higher premiums than a group that had not been ill in many years. With the Exchange or whatever they are calling this, if only those who goto the doctor regularly opt in, the cost will be much higher than it would if the same number of people opted in that didn't regularly go to the doctor
Hmmm....thats a good point! But the more employees a company has to buy into a policy the better the rate they get. If you consider the fact that it is much easier and cheaper to treat bronchitis with an office visit than it is to wait until it becomes pnemonia and you are admitted to the hospital for a week. That doesn't make a whole lot of sense. Besides, preventative care coverage is now mandatory on all insurance.