wrote in message news:3s2a1oFltm9lU2@individual.net...
> Individual insurance is nearly worthless because you'll
> get dropped or your rates will be raised to $3000.00/month if you develop
> a chronic condition.
Bullshit. I have individual insurance and it does NOT work like car
insurance. I pay the same as everyone else in my age group and health level
regardless of what I develop after I have the policy. While the premiums
increase each year at my annual renewal due to my age, it is against the law
in my state for them to penalize me for making claims. All they can do is
put people in a riskier level for pre-existing conditions. For example:
when I first purchased my policy, I was a level 3 due to an injury within
the past 12 months. A year later, I renewed as a level 2 at a cheaper
premioum (injury within past 24 months) and again 2 years later as a level 1
(even lower premium) since I had no problems in that time. Now that I am a
1, they cannot downgrade me if I renew each year regardless of what
problems I develop - even chronic ones.
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