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this post was submitted on 27 Nov 2023
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No Stupid Questions
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No such thing. Ask away!
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Car insurance ads are bad, but health insurance ads are worse. Every time I see one I wonder whose treatment got denied to pay for it.
It's worse than that even. Most of those ads are for "Medicare Advantage," a criminal scam that Congressional members of a particular political persuasion cooked up to allow corporations to be a middleman between you and your Medicare benefits. When clueless people call and sign up because they think they're going to get free money, they end up getting fucked out of as much of their benefits as the company can extract, up to 20% according to the rules, but who pays attention to if they play by the rules? You probably guessed it. Oh and just as a cherry on top, once you sign up, you can't change your mind and go back, you're off Medicare for good.
Car insurance ads are vastly better for people, for the economy, and even for road safety than health insurance companies are for people.
Health insurance, as a market, is an externality.
Thanks to Obamacare, insurance companies are required to spend a high percentage of their revenue on delivering actual care. There is a limit to what they can spend on everything else. Thanks Obama!
They could still help more people if they weren't buying billboards advertising something people are required by law to have.