A great friend put it to me this way:
You walk into a health care situation. Unlike a restaurant, where you order, after some thought and questions, in health care the server orders for you, "here's what you want." Ordered, is the most expensive thing on the menu. The $1500 bottle of Petrus, instead of the $40 Pic St. Loup.
In previous years the insurance companies would pay back out in medical care 95% of what they had taken in in premiums charged. Now, the insurance companies pay out about 55% in medical care out of what they take in.
As a worker you pay in for years and years, your whole adult working life, but then when you get sick, they are ready to tell you, 'oh, no, we don't cover that.'
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