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Why isn't health insurance a commodity item like other forms of insurance (ex. auto)?

I could essentially have the same provider for car insurance all of my life. Why is health insurance so heavily linked to one's employer? It would much easier so have the same health insurance for years or decades so no worry about pre-existing conditions when changing employers and health plans. With more competition, rates would be lower. Employers could still offer employees some health insurance money to cover premiums as a benefit. I'm not advocating socialized medicine as I don't believe the gov't is very effecient at running any sort of program.

   








Home Insurance question?
How much is auto insurance for a minor?
Hi I'm 21 and going to buy a 2007 BMW 335i or a 2009 BMW 328xi how much would insurance cost for me I have a clean driving record?
National insurance when drawing pension?
Do you have health insurance?
What type of insurance do I need? I am having my existing home demolished and having a new home built. ?
Is there anywhere I can get antibiotics online? I don't have health insurance?
Are you without Health Insurance?
How much is insurance per year on a E46 BMW M3?
How much would this cost to insure?
Is it necessary to keep a copy of my car registration and auto insurance in my wallet?
What do college students usually do for health insurance?
I was misled by auto insurance company, what are my rights here?
If I was in a wreck and it was the other persons fault will their insurance pay for a rental car?
Do you have to have insurance to register your vehicle in California?
How much is car insurance per month?
If an insured under a life insurance policy owned by an irrevocable life ins. Trust. The policy is 1mil. The aggregate prem.paid hVe been 150k and the cash value is 200k. What is the max. Loan that can be taken out?
Best car for gas and insurance for a 16 year old male?
What is the best car insurance company for a graduate student?
How much would car insurance cost me?
Approximate price of motorcycle insurance?
Anybody could give me a estimated how much money do a 18 years olds would pay for a car insurance a full cover?
Someone explain car insurance to me!?
Can I set up an FSA if I am retired and have medical insurance?
Will paying off my car loan lower my premiums on my car insurance?
If my husband adds me to his medical insurance, willthey run a criminal background check?
What is the cheapest van to insure for a young female driver with 2 yrs ncb?
Car insurance question?
How much would a $1,000,000 liability insurance policy cost?
Medi-Cal california insurance question?
WHat is the best pet insurance company?
How long can you drive on a bent tail pipe?
What is the difference between life, term, and all the other insurance policies that can be bought monthly?
What is the difference between life, term, and all the other insurance policies that can be bought monthly?
A question on car insurance?
How much would insurance be on a red 2001 Toyota Celica?
Car insurance and more than one car?
What's the difference between whole" and "term" life insurance?"
How likely are you to be persecuted if you add hit and run insurance after your hit and run accident and file a claim.?
Need health insurance coverage for pregnancy?
Do you cover towing an automobile?
Which auto insurance company offers non-owner's insurance?
What's a good way to estimate homeowners insurance and taxes?
Car buying/drive test/insurance question.?
Getting Car Insurance for an American?
Does my parents insurance still cover me?
How Full Coverage insurance policy work?..?
Approx insurance cost for group p6?
Insurance Status of a car buyer?
Issued with Fixed Penalty for no insurance, I have got Trade Insurance. Went to Police Station with Notice?
https://frenrajufulvi.wordpress.com/2017/05/14/do-motorcycle-riders-have-to-have-insurance/

https://learphacaldbadvi.wordpress.com/2017/06/01/how-much-would-insurance-cost-for-a-1990-pontiac-firebird/






























































Adding 18 year old non-owner to car insurance.?
I am now 18 years old but have not yet gotten my driver's license because of the rate increase before I turned 18. I have had my learner's permit for 3 years and have a perfect driving record (no tickets or accidents). I do not own a car right now. So, I need to know if A) I need to be added to my parent's policy in order to drive their car once I get my license, and B) if so, how much more will the insurance be? I live in Florida."


Do most car insurance policies forbid you from using your car for commercial use?
Do most car insurance policies forbid you from using your car for commercial use?


If I drive a car that has insurance but not in your name in Florida?
If there is a car accident can I get in trouble? Meaning can I get a ticket if someone rear ends me? A friend of mine was in an accident and they were rearended the car owner had insurance would that cover said friend?


Flashings on the house covered by Home Insurance?
Does Flashings on the house covered by Homeowner's Insurance. I have the whole flashing gone on my house. Is it part of water damage or seperate from the Water damage, Do I need to hire some one to do reinstall the flashing out of my pocket?"


Competition in health insurance will lower cost right?
jacob - it is so nice to believe Adam Smith's theory is still alive in at least the mind of some people. although the facts show a much different picture concerning supply and demand in regards to the insurance industry. The Hmo was Nixon's baby. he signed the bill knowing the end result would be higher cost for the public, and more profit for insurance companies."


How much would insurance be on this car for a 17 year old?
Here's the link to that exact car: http://www.autotrader.co.uk/classified/advert/201311220077283/sort/default/usedcars/page/9/price-to/5000/onesearchad/used/model/astra/radius/1500/postcode/g214ef/price-from/2000/make/vauxhall?logcode=p I'm from the UK btw, it will be kept at my house obviously haha."


Please help with auto insurance?
I want to buy a WRX for my first car. I am 16. The car I want is a hatchback. It would be a 2002-05. Would auto insurance be a lot more than a Civic Si?


6 math questions help needed asap please?
44) A health plan costs $5,200.00 for each employee . Your employer will pay 80 % of this cost . What will you have to pay ? 45) Annual Premium per $1,000 of Life Insurance: 5 year Term Age Male Female 50 $ 5.84 $4.82 55 $ 8.81 $6.60 60 $13.22 $9.71 You are a 50 - year -old male . You want to purchase $400,000.00 of term life insurance . What is the yearly cost ? 46)Annual Premium per $1,000 of Life Insurance: 5 year Term Age Male Female 50 $ 5.84 $4.82 55 $ 8.81 $6.60 60 $13.22 $9.71 You are a 60 - year -old female. You want to purchase $400,000.00 of term life insurance. What is the yearly cost ? 48) You paid the bank $142,560.00 over 20 years . You borrowed $90,000.00 . How much interest did you pay ? 49) A new car sticker shows a base price of $29,999.00 and options totaling $4,999.00 . The destination charge is $325.00 . Your research shows you that the dealers cost is 90 % of the base and 85 % of the options . What is the dealers cost ? 50) You have rented a truck . You are paying $49.99 a day for seven days. You are paying $0.99 a mile . You drive the truck 765 miles. You pay $85.00 to fill the tank with gas when you return the truck. What is your total cost for renting ? 2 hours ago - 4 days left to answer."


What is the best company for mobile home insurance?
Need full replacement policy on mobile home over ten yrs old


Can you get car insurance only for few months?..?
Can you get car insurance only for few months?


How is auto insurance (a contracted business service within a capitalist economy) legally enforceable?
How can a government, who supposedly stays as far out of a capitalist economy as possible, enforce that you purchase auto insurance? Isnt that a consumers right to buy or not buy? One could argue that the privilege to drive at all is granted by the government, and you should abide by their requirements. But by that logic, wouldnt having insurance first be a prerequisite before you could get licensed?"


"RSX Owners - Too sporty for first-time, nervous, female driver??
Do you think certain things about the RSX (base not Type S) are too sporty for a nervous still-learning driver?? I LOVE the RSX but I dunno if I can handle it..


Cars that are cheap to insure?
want to spend around 1500ish at most on the car


In the state of Florida do I still need insurance if i'm wearing a helmet on a motorcycle.?
My friend said if i'm wearing a helmet on my motorcycle I am not required to have motorcycle insurance. Is this true? If it is, are there any other rules to this or something?"


Car insurance switching cars after 2months?
Bought a car from auction and got it insured ( my first car) but not liking it so looking to re-sell at auction. Just wondering how the insurance will work if i wan tto change it to a new car after such a short time??? willl it cost me alot to change ] thanks


Why isn't health insurance a commodity item like other forms of insurance (ex. auto)?
I could essentially have the same provider for car insurance all of my life. Why is health insurance so heavily linked to one's employer? It would much easier so have the same health insurance for years or decades so no worry about pre-existing conditions when changing employers and health plans. With more competition, rates would be lower. Employers could still offer employees some health insurance money to cover premiums as a benefit. I'm not advocating socialized medicine as I don't believe the gov't is very effecient at running any sort of program.


Car insurance question?
I know it could be inaccurate I just want a general answer. So my brother is 18, has a 2000 celica, he has liability on my dads insurance plan and his cost $100 a month.. If I was to get a 1998 323ci bmw with liability and im 16 years old, will it also cost $100 a month? Or would it be a bit higher cause its a BMW.. if so how much higher do you think"


Is car insurance cheaper for a 2 seat car?
I heard a 2 seater car has cheaper insurance. Does anyone know how true this is?


Should I cancel my parents whole life insurance policy?
@Ryanjw - Thanks for the information! @Mbrcatz - Thanks, my goal when I purchased the LI was to be able to pay for my parents funeral arrangements should they pass before I do. Having said that, as I previously stated, I bought the LI (10) years ago, when I was younger and not well informed, hence, why I bought a $2,000 policy. At the time, I thought $2,000 would be (if not enough) at least helpful to me, since I am an only child. Now, ten years later, I am more informed and I am trying to figure out whether I should continue it or if I am better off canceling it, taking whatever money I will get from it (if any) and putting in into a savings account in which at least it accrues interest and I can continue to add to it going forward. So that when the time comes (hopefully not for a very long time) I am (at least) financially prepared to deal with the situation."


I just to new jersey how long do i have to live in this state to get health insurance?
I just move to new jersey, how long do i have to live in this state to get health insurance?"


Will Home Insurance replace roof in new home?
We just moved into our home on December 7, 2009. Tonight the wind was blowing really hard and it started to rain a little. Anyway, when I came out of the shower I noticed that there was a water drip next to the ceiling fan on the roof in the bedroom. Will my insurance pay for this or do we have to come out of pocket for it. Also, since we have been in this home, we have had to have the plumber come out and unstop the sewer twice. I feel like we made a bad choice in getting this home now. However aren't stuck with it??"


How do i get a cover note for my car instead of insurance for my car?
By that i mean ive heard theres such a thing called a cover note wich acts like insurance documents but the only diffrence being you dont pay insurance for the car and you pay all the costs if you have and accident. Please anyone give any feedback please. Many thanks.


how our health insurance companies get away with it?
ok i just watched the movie Sicko"" and i can for the life of me figure out how our health insurance companies get away with the stuff they do! can some one explain this."""


If my house i going thru foreclosure do i need to get rentals insurance ?
when my home owners insurance lapses?


Can I borrow a car from someone if I don't have insurance coverage under their policy as a 19 year old?
This is more of a situational question than the main question suggests. So here goes: I live with my mom and am listed as an occasional driver on her car insurance policy. I am 19 years old and have a full G license. I go to my dads house on weekends and some days during the week. During these times, I sometimes use the car to run miscellaneous errands for him or myself. These errands are not at all part of a routine and are truly random events. My dad and his girlfriend have insurance coverage but I'm not listed under their insurance policy as an occasional driver simply because my driving of their car isn't routine and it's not worth the extra expense. So technically, this would be considered as me borrowing their car. Because I don't have my own personal insurance coverage (other than the occasional insurance with my mom), does that make it illegal to drive my dads car or is it perfectly legal for me to borrow his car at random times? This is causing a sort of feud that can occur between divorced parents while putting me in the middle so a solution to this problem, one way or the other, is much appreciated"


Car insurance quotes??
i have no idea how to read my insurance quotes from Esurance.. Why doesn't it just say liability, or full coverage..? i don't even know which one i'm paying now!? How do i read it?"


Is my car insurance too expensive?
$700 a month


Insurance quote for first car?
Hey guys I've been saving up for a while and have come to a conclusion of what i want for my first car 2006 Porsche cayman s iam16 at the moment and am making just a smudge under $900 a month and from my calculations i should have enough money by the time I am 20-21 so i was wondering how much my insurance would cost. I have my g1 and am getting my g2 in November and will be a occasional driver and would be driving my brothers car an Acura rl and would be getting a cayman as soon as i have enough money. My family is insured by TD and BMO so a quote from them would be preferred but if i can get a quote from another place that is cheaper but still provides full coverage it would be nice plus i will be going to uni and working so it will be daily driven and garage parked 50% of the time (other fifty will be my brothers/dads/moms car) and will NOT be winter driven I live in Brampton On thanks


How can I lower my insurance rate?
I got a speeding ticket back in july of '04. My insurace went up recently. I am past the traffic school time. I live in CA. Is there anything I can do to lower my rate increase


How does car insurance work?
I'm a 17 year old girl and I recently got my license. Yesterday my dad bought car insurance for me, but I don't have a car. So i'm assuming that this insurance is for his car, but can that same insurance be transferred if I get my own car? Or did my dad just put my name on his insurance? I don't really understand."


Approximately how much would insurance be a month for a 17 year old driver with drivers ed in New York City automatic10% off your insurance)?
Older model car will be purchased. Will be under my parents car insurance


Why isn't health insurance a commodity item like other forms of insurance (ex. auto)?
I could essentially have the same provider for car insurance all of my life. Why is health insurance so heavily linked to one's employer? It would much easier so have the same health insurance for years or decades so no worry about pre-existing conditions when changing employers and health plans. With more competition, rates would be lower. Employers could still offer employees some health insurance money to cover premiums as a benefit. I'm not advocating socialized medicine as I don't believe the gov't is very effecient at running any sort of program.


How long can you go without car insurance in Michigan before becoming high risk?
I just got screwed by my insurance place, and i want to cancel my policy immediately, but i won't be able to get car insurance again for at least a week. How long until i would become high risk in Michigan?"


What are departments before and after an actuarial department in an insurance company? Thanks!?
What are departments before and after an actuarial department in an insurance company? Thanks!?


Inexspensive insurance for a first time under 21 car buyer?
I'm 18, plan on purchasing a car soon. Honestly, which car I purchase is based off my monthly insurance payment. Im young & back in November I recieved my first speeding ticket, I paid it instead of going to court.. Worst choice ever. Anyways, Does anybody know good cheap insurance for a driver like myself? Below are a list of cars that are on my list.. 1. 2004 BMW 745LI 2. 2002-2003 BMW M3 3. 2004-2005 Audi A8L 4. 2007 Jeep Wrangler (4-Door) Please help. Thanks!"


Do you need to give a vin number in order to receive a quote on your cor insurance?
My mom called the insurance company to get a quote for adding me onto the insurance. The woman on the phone told her that you need the vin number of the car in order to get the quote. Is this true if the car was going to be new and we knew the exact model and year that we were getting?


What is the cheapest health insurance for low income people?
my kids father had a stroke two days ago and i am trying to help him find health insurance. he is having a hard time getting any insurance because he is unemployed and receives unemployment payments but they won't see him at the clinic because he has too many assets. He owns a trailer and has two cars. If any one can help i really would appreciate it. He also has high blood pressure, high colesterol, and diabetes. He had a stroke because he couldn't afford to buy his medications for his high blood pressure and colesterol.please help . i dont want anything bad to happen to him."


Teen Car Insurance for 18 year old male?
What is the best way about going to insure a car cheap for an 18 year old male. What is the cheapest car to insure? Is it better to be a named driver on parents policy or own car because I do't want to pay more than 2000.


Should your auto insurance cover adult family members?..?
Should your auto insurance cover adult family members?


"I got in a accident, how much will my insurance go up?"
I am 19 years old, i have a completely clean record, no tickets and never been in an accident. I just got in a accident for the first time and it was my fault. I basically went during a red light when i thought it turned green, i had a panic attack and a car that was coming my way hit me. My car is completely fine, just a few scratches and a piece of glass fell out. Her car has dents on the side of her car and looks repairable. Nobodies car was totalled. I have farmers insurance, i am 19 years old and I have a clean record. How much would my insurance go up? also, how does this affect my record and how long would it take to get off my record? Thank you"


Does anyone know how to get cheap car insurance in the bronx ?
Does anyone know how to get cheap car insurance in the bronx ?


Can anyone get a home warranty? Or do you have to be buying or selling a home??
I know they are usually designed for buying and selling a home that is who uses them most. I have lived in my home for 4 years and had to let our warranty lapse while I was on unpaid leave. But our home is old and I think it would be in our best interest...since homeowners insurance doesn't cover AC/Heating and those costly things.


Do i need a insurance policy at age 17?
So Im turning 17 this November and getting a new car on my birthday. Specifically the 2011 BMW 335is. My question is, how much will the insurance be? Since i am not legally considered an adult, do i need my own insurance or will my parents insurance cover me too?"


If I find a health insurance agent to hire now will they help me with last years claims?
Unfortunately, which I still find very bizarre, I couldn't get any health insurance agents to return my calls last year to obtain health insurance. What's more baffling is mine would have been real easy as I do not qualify for a subsidy. I have had some major problems with Anthem Blue Cross & it's difficult dealing with them on my own. I'm just curious if I can ever get an agent to call me back if they will also help me with the problems in claims with Anthem? I think they're a bad company, but my choices for an individual plan are very limited UNFORTUNATELY. I feel people on these plans not getting it for free or getting a subsidy are taken more advantage of with billing matters."


Best and Cheapest Car On Insurance For a 17 Year Old?
Best and Cheapest Car On Insurance For a 17 Year Old?


Scooter Insurance Cost.?
Who are you with. What company.?


Is motorcycle insurance normally cheaper than car insurance?
For example if I wanted a Kawasaki Ninja 250,compared to a Toyota Corolla?"


Why isn't health insurance a commodity item like other forms of insurance (ex. auto)?
I could essentially have the same provider for car insurance all of my life. Why is health insurance so heavily linked to one's employer? It would much easier so have the same health insurance for years or decades so no worry about pre-existing conditions when changing employers and health plans. With more competition, rates would be lower. Employers could still offer employees some health insurance money to cover premiums as a benefit. I'm not advocating socialized medicine as I don't believe the gov't is very effecient at running any sort of program.