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Why is unemployment insurance so cheap and health insurance so expensive?

Health Insurance topics including Obamacare & Health Insurance quotes

Why is unemployment insurance so cheap and health insurance so expensive?

Postby eleazar » Fri Dec 14, 2012 11:38 am

The government deducts my unemployment insurance but I have to pay health insurance out of earnings? Seems like the government takes less. Conservatives hate low prices only profits. We need to take health care out like unemployment.
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Why is unemployment insurance so cheap and health insurance so expensive?

Postby ittamar » Fri Dec 14, 2012 11:42 am

Health insurance is about LIVES.
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Why is unemployment insurance so cheap and health insurance so expensive?

Postby forester » Fri Dec 14, 2012 11:45 am

To many people with bad behavior. Eat too much and don't exercies = diabetes. Screw around or be gay = HIV. Failures = expensive insurance because the cost gets spread out to everyone.

We should have separate insurance for unhealty people. smokers, couch patatoes, gays, adulterers = high rate. Normal people = low rate.

Note, you can't really compare the two. Unemployment is a temporary condition that is easily fixed. Medical conditions can last a lifetime, and cost millions of dollars to treat. By forcing insurance companies to accept people with pre-existing conditions, the price should go up for everyone.
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Why is unemployment insurance so cheap and health insurance so expensive?

Postby braddford18 » Fri Dec 14, 2012 11:46 am

When you buy health care insurance you are insuring yourself and unemployment insurance is paid forward in the event that you become unemployed.

Also even a minor procedure such as an angiogram would cost you $40,000 (where I live) so costs for insurance are based on anticipated payouts.. Your State unemployment taxes only pay for 6 months of coverage anything beyond this is paid by the federal government. Since you only get 6 months of coverage the is cheaper because liabilities are far less
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Why is unemployment insurance so cheap and health insurance so expensive?

Postby kosumi59 » Fri Dec 14, 2012 11:54 am

You have to have a job before health insurance can be deducted from your earning. You clearly have never worked a day in your life.
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Why is unemployment insurance so cheap and health insurance so expensive?

Postby mat93 » Fri Dec 14, 2012 12:04 pm

lmao! why don't you start a health insurance company that guarantees the rates are lower than unemployment insurance rates.
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Why is unemployment insurance so cheap and health insurance so expensive?

Postby yoel90 » Fri Dec 14, 2012 12:06 pm

We need to take out house insurance as well, also auto insurance, and what the heck, earthquake insurance
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Why is unemployment insurance so cheap and health insurance so expensive?

Postby dai » Fri Dec 14, 2012 12:17 pm

Keeping a healthy person alive is cheaper than keeping a sick on alive which is cheaper than keeping a sick old one alive.
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Why is unemployment insurance so cheap and health insurance so expensive?

Postby sutherland » Fri Dec 14, 2012 12:22 pm

Unemployment insurance is paid by the employer.

How is the government deducting yours?
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Why is unemployment insurance so cheap and health insurance so expensive?

Postby lorenz » Fri Dec 14, 2012 12:35 pm

competitive market... open up the market across state lines and see the market compete...
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