From: hrubin@skew.stat.purdue.edu   
      
   On 2012-04-02, George Conklin  wrote:   
      
   > "Herman Rubin"  wrote in message   
   > news:slrnjnjoid.q7i.hrubin@skew.stat.purdue.edu...   
      
   >> As I have said many times before, what we have is not   
   >> insurance, but prepaid care.  Insurance covers rare events,   
   >> not common ones.  My "insurance" coverage covers much of   
   >> my medical and prescription costs; I would not have it, but   
   >> would have better major medical coverage, if it was not   
   >> provided by my employer, with a "use it or lose it" situation.   
   >> But because of it over the years, I am now "high risk".   
      
      
   >   You are at a very high risk right now Herman due to one factor;  YOUR AGE.   
   > You are a very old man.  You will never be low risk again.  You had that as   
   > a very young man.  If you get thrown back into the free market, you will   
   > have no insurance again and when you need that heart surgery again, you will   
   > simply do without and die.  A libertarian death, but does it matter?   
      
   I might very well have it; I have financial resources, mostly   
   form "retirement savings".  But if there was real insurance, I   
   would have purchased that, as well.   
      
   There is a possibility that I will be denied care I can pay   
   for because of regulations.   
      
      
   --   
   This address is for information only.  I do not claim that these views   
   are those of the Statistics Department or of Purdue University.   
   Herman Rubin, Department of Statistics, Purdue University   
   hrubin@stat.purdue.edu         Phone: (765)494-6054   FAX: (765)494-0558   
      
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