A Quote by Andrew Tobias
The industry cannot long offer unneeded or overpriced insurance if people will not buy it.
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The fundamental problem of Obamacare is the insurance mandates. When you mandate what has to be insurance, it elevates the price. And when you tell people they can buy insurance after they're sick, they will. And you get what's called adverse selection.
Too many people will die needlessly if we go back to letting people buy junk insurance or insurance that doesn't help people with diseases related to mental illness.
I want to say something in a tough-love kind of way about crop insurance. Let's face it: You don't buy insurance on your house hoping it will burn down. Neither do we want to buy crop insurance and hope our crop fails so we can file.
We can all instinctively understand the idea of life insurance; most of us will feel an instinctive repugnance at the thought of the viatical industry, or 'dead peasants insurance.' As market thinking penetrated the life insurance industry, a moral line was crossed, and the application of market ideas was taken too far.
Who's paying the million bucks? The insurance company. We've been trying for years to get the insurance industry to say to the gun industry, We won't insure you unless you have policies that will reduce the likelihood of guns falling into the wrong hands easily.
We need to level the playing field so that people who buy insurance individually at the same tax rates as those who buy it than get it through work. We need to be able to let people to shop across state lines for better deals with insurance that works for them and their family, not something the government says they have to have.
You can buy a man's time; you can buy his physical presence at a given place; you can even buy a measured number of his skilled muscular motions per hour. But you cannot buy enthusiasm... you cannot buy loyalty... you cannot buy the devotion of hearts, mind or souls. You must earn these.
Providing access to a public option for health insurance would allow all Americans the choice to buy a government insurance plan, much like I buy for my family as a military retiree.
We can make sure that people who don't have health insurance can buy into an insurance pool that gives them better bargaining power.
We confuse insurance with our moral obligation to provide health-care services to people. And what we try to do is finance our moral obligation through the insurance system, which punishes the people who are fiscally responsible to buy insurance.
People won't buy insurance until they're sick. If you can call on your way to the hospital and get coverage, it's not really insurance at that point.
Obamacare is a private mandate that will drive billions to the insurance industry, much like the auto insurance mandate. Hardly socialism. In fact, it was a Republican plan to begin with.
The money in the stabilization fund, $130 billion which I call an insurance bailout, is put in to try to cure the adverse selection that Obamacare created by making insurance too expensive. Healthy people didn't buy it. They tried to fix this by forcing young people to buy it through an individual mandate. Even that didn't work. So the way the Republicans fix it is they don't actually fix it. They subsidize it. So we have to fix what went wrong with Obamacare, not just recapitulate something that's broken.
The best tool today is longevity insurance - they call it income insurance. Most people know the value of life insurance. But what if you live? So instead of trying to guess one or the other, you plan for those 20 years and you get this income insurance. If you live beyond 85, you have money that's guaranteed for as long as you live in the form of an annuity.
The Choose Medicare Act will let people of all ages buy into Medicare as their health care plan, and it would let any business also buy into Medicare and offer it to its employees.
The stock market is overpriced. Everything is overpriced. Junk is king.
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