Monte Python Insurance

On the British comedy show, Monte Python, there was a skit where a customer was trying to file an insurance claim.

The duologue follows:

Vicar: But my car was hit by a lorry while standing in the garage and you refuse to pay my claim.
Devious: (rising and crossing to a filing cabinet) Oh well, Reverend Morrison, in your policy... in your policy... (he opens the drawer of the filing cabins and takes out a shabby old sports jacket; he feels in the pocket and pulls out a crumpled dog-eared piece of paper then puts the coat back and shuts the filing cabinet).... here we are. It states quite clearly that no claim you make will be paid.
Vicar: Oh dear.
Devious: You see, you unfortunately plumped for our 'Neverpay' policy, which, you know, if you never claim is very worthwhile, but you had to claim, and, well, there it is.

Now in many ways the new republican health insurance seems to have the same basic premise.  People who aren't likely to file claims get to pay less.  However people who really need the insurance are going to pay more, in some instances a lot more.

Now the numbers look like an overall reduction because of all those young people who seldom file a claim.  Now the idea of the affordable care act was to make insurance more affordable for all by including the young and the old, the sick and the healthy in one pool. 

Yes this means if you are young you pay more, but since you are likely to be old at some point in time it eventually sorts itself out.  However, being old and sick now means that you are never going to be young and healthy again, so guess the republican solution is that you should hurry up and die.

When you take away the subsidies that made the insurance affordable for poor people, you of course save money.  Take away mandated coverage and you allow insurance companies to offer tailored products.

In other words the "Neverpay" policy is making a comeback.  At least its affordable.