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What are you driving? For me a half way respectable , safe, reliable car starts $40k and up, except for my Audi A8 Quattro, that starts at $115k for the 12 cylinders. Seriously - have you seen the cars that are 10k? You want to talk about death traps."If the goverment regulates us the price of cars will go crazy and no one will be able to afford them."
Hmmm....seems to me you can still buy many new cars for the $10,000 range.
OK so now the costs go up higher, and even MORE people are uninsured due to cost. Plans with $3k or $5k drug caps sell ALL DAY LONG, the only people that have a problem with them are agents. The consumer could care less because "I am not on that much in drugs" and if they ARE on that amount of drugs - they won't qualify anyhow."Design any plan you want but it can't have drug caps."
If they exceed their drug cap they can likely qualify for their states risk pool, if there is one - or a multitude of government and private programs.
And where does it stop? How about invitro fertilization? Does a 58 year old woman or a MAN need this coverage? What about mental health - should this be covered on an individual policy? What about maternity? Why is the creation of life avoided like the plague in individual insurance? What about hearing aids or glasses - shouldn't you be able to hear and have vision?
We can go on and on but before you know it we would have a BLANKET policy that "covers everything" for $2000 per month (individual). There is a clearly a "balance" - although I think the BEST solution MIGHT be to explore some basic standardization of A-Z so a consumer could at least tell what "level" of policy they are buying instead of relying on the "opinion" of their slime ball agent chasing commissions.
This would NOT be a mandate - but rather a universal GAUGE if policy had NO RX limit maybe it would be a E level policy, etc., etc., You get the point... Free markets still would rule however consumers would be able to have a basic gauge of what they are buying.
I would however support a mandate that a CELTIC thread should not exceed 3 pages...