You ust work for a large company. Most of my close friends own small companies. If one employee has an expensive procedure, they often have to change insurance, because the plans become too expensive. They all, fortunately, lack employees with permanent conditions, or they, not the insurance company, would have to consider what to do, and be tempted to drop that employee for outside reasons.Originally Posted by 1bad65
Only large corporations, universities, and such, have reliable policies. If a policy has a small number of people on it, it is only useful in absence of real need. My family mostly work in the medical field, many in insurance claims adjusting, some as doctors, some as nurses, some in accounting for hospitals. They will all tell you exactly what happens to a small policy when you get cancer or a similar condition: they drop you by raising your rates to a degree you won't be able to pay. A working person. The idea that health insurance companies are good for working folk only works for people who don't have real need for health insurance yet.
There could be reform aside from socialist reforms, but if the only possibility offered by ANYONE is socialist, those who offer status quo have little to complain about.
Insurance companies are fleecing the working man, not providing the service he paid for. The current system hurts small business, and has been for twenty years, and makes the only practical choice to be working for larger companies, thus stifling American entrepreneurship. Just as banks that cannot fail underscore the weakening of free trade in the U.S., insurance companies that make money off of small business while doing everything possible to avoid providing service comparable to the money they receive for the promise of service take valuable workers out of small businesses and drive them to the big corporate and government jobs.
Bleh.
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