A lot of people balk at the idea of sharing their personal information with an insurance company. They feel that it is an invasion of privacy and often get quite prickly about this issue.
We often feel that we have a right to insurance, especially medical insurance. Perhaps our government should provide medical or personal care insurance programs for its citizenry. There are pro and cons on universal healthcare but maybe we should all be covered. The debate on Obama’s health care program goes on as we question how much will universal healthcare cost the US.
However, even if the government should cover us, a private insurer has no such obligation. They are in business to make money and expecting them to lose money by insuring people who had serious medical problems BEFORE they purchased insurance from them is like asking a race track to allow people to place bets after the race has been won or expecting a grocery store to give away free food to the poor.
If you are looking for a loan, you will have to share personal information with the bank. If you are looking for home owners insurance in California, want personal medical health insurance in Arizona or are interested in private health insurance plans in New York, you will have to provide the information they ask for to get coverage.
Getting insurance without sharing personal information may be something that is in our future. However at this time we cannot expect an insurance company to insure everyone regardless of medical history. They will go out of business if they did that. We don’t expect Donald Trump to allow the homeless to rent his buildings without a background check. Private businesses should be fair and ethical, but it is the job of the people to cover those in need.