While it might seem a bit lopsided, older individuals do tend to pay more for Illinois health insurance.
Paying more for Illinois health insurance if one is older may seem to be discriminatory, but on reflection, it actually isn't. It's very simply attributable to the fact that being older usually brings with it medical conditions that need more care. Older people also tend to need an Illinois health insurance plan that gives them more coverage.
Younger individuals happily don't really need the extra care and attention some older individuals do. Current statistics, the cost of insurance policies, and our common sense all support that point.
While it might on the surface sound like it’s a punitive move, it actually has more to do with the realities of life for an older person. Of course, even as we age one of our major priorities needs to be taking care of ourselves, a key to a longer, healthier life. Unfortunately, many people don't take care of their health and this choice is reflected in the increased price for Illinois health insurance premiums.
Providing health care to people who neglect their health comes in at an astronomical cost. This is one of the major reasons why the health system in America is really in trouble and has been for quite a long time.
If we don't participate in our own health care, how do we expect others to take care of us? No one can make that decision for us – to do what we can to be and stay healthy. The health system is only able to pick up the pieces once the consequences of our not so wise choices come home to roost.
While age is a differentiating factor in Illinois health insurance costs and likely needs to match the realities of life, the bottom line is how a person takes responsibility for their own care, prior to using a system originally designed for major life illnesses.
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