Insurance is all about betting. YOUR insurance company bets you are not going to have any health problem. You bet that you are going to have health problems. IF you are healthy, responsible, young and take good care of yourself, the risk of losing the bet is very low for the insurance company. They accept the bet (and agree to insure you) because they will probably win the bet. And obviously you, being the beneficiary of yourself, will always try to help THEM win the bet (because you do want to be ok and hope to be ok).

But if your grandfather died of Alzheimer’s, you are obese and your mother has heart problems AND is diabetic, no insurance company will be willing to bet with you that you will be ok ten years from now. There is a higher risk that they will lose the bet.

Health costs are very expensive in America. No insurance company who plans to accept high risk bets will stay afloat for long… just like anyone who gambles in a casino regardless of the risks will easily go broke.

So… is insurance is all about bets AND those companies are there to make money (like all others) they must be very careful on the management of risk. So they DO have to try to accept the healthy people (good bets) and try to leave the less healthy people to the competition (the other health insurance companies). The risk is too high… because their business IS taking risks… so they have to be aggressive on the risk management.

Insurance companies are not bad, greedy wolves… but the nature of the business AND the need to have a aggressive risk management leaves millions of Americans with no insurance (or insurances that are too expensive due to the risky bet they represent).

A “good” insurance company would never survive.

Insurance companies are businesses. The government is going to try to force them to make bad business decisions in order to be able to compete with their subsidized, no tax paying option. They will be driven out of business and then Pelosi’s trigger will kick in for single payer insurance. There are already 5-6 nonprofit health insurance providers in the country but I’m not sure if they are allowed to sell insurance across state lines.

There are only 6 health insurance providers in the whole state of CA and each state makes their own rules and sets the policy for the insurance plans they can offer. The government is just going to make it worse. The free market is best for everything because the consumers chose who is doing things right and they support those companies while the others either do better or go under.

This causes so many bad things I can’t believe it’s not attacked more often. This is the true reason we don’t have a free market health care system.

Why isn’t there already an organization in place to keep insurance companies honest? Have you listened to the way some of these people react to the idea of having one? Can you imagine how much money the insurance companies have given to politicians to ensure that there isn’t one and how much they’re spending now on propaganda to try to stop it? This is why an organization was never implemented. The insurance companies have gotten a whole lot worse in the last ten years and that is why public opinion is now in favour of the public option. The USA has the political culture that too much government is a bad thing and that socialism is evil. It’s been carefully woven into the fabric of American life by Republican Administrations during the Cold War.

By every conceivable measure, the health insurance system in this country is the absolute least efficient on the planet.

The tips in this article are good for any workout, not just bodybuilding.