>>>We should have known that a hospital stay that cost $300 when we started working would cost over $10K when we retired.
>>>Given our incomes in those days - a teacher's pay was about $4K/year- we'd have needed to pay our entire annual wages and then borrowed several thousand more to fund things properly.
>>>Do you really want to keep suggesting that????
>
>If you mean underwriting, then yes it is expected.

Let's get this straight. You're a mythical underwriter of health insurance in 1955 (there was virtually no health insurance in 1955 - medicare came along in the mid 1960's) and you're talking to a 21 year old elementary school teacher who's making about $4K year and thinks that she's really doing well.

The dialogue goes something like this:

Underwriter: So, Millicent, I know you're a good person and all that, but that salary you're making.. you'll have to pay all that and more in order to fund obscene future health care costs that you can't possibly control.

Millicent: %@####!!

So, Millicent is milking the system???

Are you serious, John?