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In what world does a healthy man aged 50-60 pay $40 per month for health insurance?
If you are a healthy man aged 50-60 buying catastrophic coverage on the market in California today (where we have had tort reform for some time) you pay $300 a month. That's for hospital coverage only after a yearly $1,000 deductible and 20% co-pays--no lab or other diagnostic tests, no doctor's visits, no prescription coverage, etc. Let's at least get the numbers right. Your scenario is pure fantasy.
Could you, as a presumably healthy man, a lifelong nonsmoker with 2% body fat and no preexisting conditions, afford that kind of coverage?
The scenario was just an example; plug in any numbers you want, but the point is that when you incentivize cost savings, you get cost savings. Fortunately, the rest of the US is not California.
It's a serious question, 510. I'm plugging $300 into the blank in your example. The rest of the country is far closer to my example than your fictional $40 per month.
$300 per month for catastrophic coverage with a $1,000 deductible for a healthy man age 40-60 is a pretty competitive price. This is in a state that has very strict tort reform, and there are no requirements for catastrophic coverage to cover anything but basic medical--no prescriptions, no doctor's visits, no diagnostic tests, no vaccinations, no contraceptives, etc. Please give me some examples of what basic medical coverage would cost a healthy 40-60 year old man in your state (and tell us what your state is).
I think you're dreaming.