In article 
,
 lizardgirl  wrote:

> On Dec 24, 12:14 am, 26  wrote:
> > In article
> > ,
> >
> >  lizardgirl  wrote:
> > > is there any cash value for consumers when they transition from
> > > private to state insurance?  with FDIC my money is the covered asset.
> > > the insurance is to keep customers like me from dragging
> > > the bank down during a panic.  what's mine that's being protected
> > > here?
> >
> >     Your healthcare dollars, at least in theory. Taking a big risk and
> > spreading it over a much larger group.
> 
> not my risk, the insurers risk.  the deal is between them and the
> reinsurer.  my healthcare dollars are unaffected.

    That is exactly what insurance companies do.  They take your risk 
for something (appendectomy, fire, auto accident, etc) and spread it 
among others in similar circumstances. Although technically it is 
supposed to take a risk for which there is a low risk but a expensive 
outcome (not everyone has their house burned down quite often). Using 
that definition, I would submit we haven't had health INSURANCE since 
the demise of the old major medicals. 

>
> 
> not a good model then for what ails healthcare at the people level,
> access and availability to quality care from preconception thru death
> (and beyond should i choose to become an organ/tissue donor or leave
> my body to science.)

    Most of what ails medicine isn't really addressed by much of what is 
happening in Congress either. But that is yet another loooooonnnnnggg 
thread. 

>
> i hope there'll be fireworks.  thanks for playing.  have a great
> holiday and happy, healthful new year :^)
> 
> g
  You too. It is nice be able to talk to this in a normal tone as 
opposed to what passes as "debate" any more.

-- 
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