Biggest reason rates are climbing is now they HAVE to insure very high risk people. The cannot deniegh based on pre existing conditions. So that means if they sell health coverage they have to insure everyone who wants to buy. You would see big rate increases in home and auto if they passed a law saying no one can be denied, drunks, people who's home are in high risk areas and so on. It's cause they know they are going to have to pay out more with people like my BIL, 41 yo with heart problems who sees the doctor once a week. That cost the insurance company more.
The only option left to the insurance companies is to stop selling medical coverage.
These companies have to make a profit! If they don't they will not be around long. Check out the gross profits from the HMO's, pharmaceutical companies and tort law. That's where most of the money is going, not in the insurance companies pockets.
If we tried to have the government provide healt care everyone would wind up paying taxes to the tune of about 40%.
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Today's Featured Article - Hydraulics - Cylinder Anatomy - by Curtis von Fange. Let’s make one more addition to our series on hydraulics. I’ve noticed a few questions in the comment section that could pertain to hydraulic cylinders so I thought we could take a short look at this real workhorse of the circuit. Cylinders are the reason for the hydraulic circuit. They take the fluid power delivered from the pump and magically change it into mechanical power. There are many types of cylinders that one might run across on a farm scenario. Each one could take a chapter in
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