Health insurance is a necessity
We have had insurance for over 70 years auto, home, life, and health, yet it seems many don’t understand it.
When you buy insurance, your goal is of course to get the most coverage for the least premium. The insurance company is gambling that you won’t have an auto accident, your house won’t be destroyed, you won’t have any major health issues and that you will live to a ripe old age.
If this all works that way for you, you will have paid all of those premiums just to feel secure and others who are not so fortunate will have their car replaced, their home rebuilt, their medical bills paid and a death benefit paid to their survivors.
Now, if you do have all of those terrible things happen to you, the premiums paid by others will be paid out to you or your family. That is how insurance works. All but health are optional, based on ownership and family needs, Health insurance is a necessity for all. Uninsured people are not only a financial burden on their families, but on community hospitals overlapping onto the entire community. We need to improve on the Affordable Care Act and make it into a singlepayer/universal system covering everyone from birth to death.
It needs to be paid into income, based as Medicare and Social Security are. This would work. It would improve the general health of Americans as a whole and by world standards we are behind.
Deborah Mains
Uniontown