Insurance companies screw people because it makes them more money. Ironically, they're not in the business for their health - or yours.
And you can't trust them in the slightest. Before 'Obamacare,' you could pay your insurance company for years, but they would still dump you if you got sick with something expensive (cancer, for example). And that's if it was covered at all. (The fine print in their policies is written by lawyers.)
Furthermore, they risk nothing by denying coverage. Even if you're in the right, it takes a lot of money to go to court over such things. For you, I mean. Insurance companies already
have lawyers.
If they lose, they're not out anything, because they just have to pay what they should have paid in the first place. So why not deny expensive coverage? There's no downside for the insurance company, none at all.
Unfortunately, you don't find out if you've got a crappy insurance policy until you get sick. At that point, the company
wants to get rid of you. Again, the only downside is for you.
'Obamacare' - originally the right-wing Republican health care plan, before the Democrats agreed to go along with it, too - is a very modest step forward, and it was like pulling teeth to get even that much. Not a single Republican in Congress ended up voting for
their own health care plan, and even Democrats - like Nebraska's infamous Sen. Ben Nelson - had to be courted and bribed to support it.
At the very
least, we need a public option - like opening up Medicare for everyone. (Younger people would have to pay premiums, of course.) But that's
completely out of the question in our current, dysfunctional political system.
The Republican Party is why we can't have nice things. Until they crash and burn - and that's going to take progressives who actually bother to
vote - we're all screwed.
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