If one of the catastrophic events DOES occur
If one of the catastrophic events DOES occur
Insurance companies make money selling you coverage for events that both of you hope will not occur. If one of the catastrophic events DOES occur, then the insurance company is able to pay for it because the rare catastrophic event is effectively subsidized by the vast majority of people paying in and NOT filing claims. The idea that you shouldn’t have to buy health insurance until AFTER a catastrophic medical condition or procedure has befallen you (existing condition) is ridiculous.
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