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0 pointsmarshray15y ago0 comments

At $50-100/month, they would have to sap you for nearly a decade to make up a single surgery.

How many surgeries per decade do you think typical healthy nonsmoking twenty-somethings are having?

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4 comments · 1 top-level

DougBTX15y ago· 3 in thread

How many decades you expect him to be a twenty-something?

marshrayOP15y ago

Him in particular, 10 years. Probably his risk category may be similar or even better into his 30s though.

But nobody claimed he in particular should have the same policy or the same rate for the rest of his life. The point of insurance is to aggregate risk over large populations.

hoprocker15y ago

How many decades do you expect there to be twenty-somethings, period? (Isn't this also the operating principle behind social security?)

DougBTX15y ago

Isn't this also the operating principle behind social security?

Perhaps I'm mistaken, but I thought that the reason his age was brought up was to justify giving him a lower premium. The principle behind social security (or at least the variation where I live) is that everyone pays, and everyone gets healthcare. His age and his health don't come into it.

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