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That's exactly it. I wonder why people aren't getting that. Doesn't at ALL help people get care, just increased their costs via paying more taxes.
..and now we will have the HHS bureaucrats micromanaging the health care insurance requirements for everyone. ObamaCare has not even kicked in fully, and HHS is demanding free birth control pills. Wait until the the self anointed masterminds really get rolling, there will be no limits to what they will mandate that we must purchase.
I know the left thinks this is only about health care, because they never think anything thru.
Your approach to healthcare may be one of the drivers of the high cost of healthcare for everyone.
You think this is cheaper, and it is in the immediate short term to your pocket book. But many people on these kinds of plans will eschew healthcare until it's a real emergency, which is precisely the recipe for how many preventable things are enabled to turn into major problems - which then produce a much greater cost burden upon the system.
To add to this, many of the high-deductible plans are filled with even more loopholes than regular plan - that's what enables them to be so "bare bones" affordable - and then when you do have a significant problem, it's not covered. For instance, a popular feature of these plans is a cap on lifetime coverage. How do you really know what that will be for you, considering the costs of care? Some also cap doctor's visits, hospitalization costs, and procedures. Obviously, plans vary and you have to check all of them carefully...but high deductible plans are notorious for playing many more tricks.
And when your care ends up not being covered, who pays? Not you, because you probably won't have the money (hopefully you did contribute to an HSA; many don't even do that). And then all of us will take up more of a cost burden for you effectively because you had less of a cost burden.
A high-deductible plan is frequtnyly a bet against yourself that you essentially will remain healthy indefinitely. Getting the insurance you really needed once you're actually sick is far too late. It would be far better for everyone to have decent coverage that they pay into regularly while you're healthy and that places proper emphasis on preventative care, rather than placing more of the burden on emergency rooms.
I always waited to go to the doctor unless I had to so my previous decision to only buy catastrophic health insurance never changed my behavior. I have the money to pay out of pocket when I get sick with anything but the absolute worst (e.g. millions upon millions of dollars worth). By the way, a lot of people in my position do the same and it's actually the well to do that uses this more than the poor. I looked at the numbers, what the policy I needed covered and did not, and it was less expensive for me to go with a catastrophic plan. I just wasn't using the health insurance at all up to that point but paying $14K+ per year for it. I don't get the option to get employer healthcare, I AM the employer.
When I say that I did not use my healthcare, I had years and years of one visit only to the doctor. Last year, I did have a kidney stone that needed surgical removal. Still cost me less. With my plan, I paid only around $5K total because I negotiated with the hospital to pay cash. STILL less than a full Obamacare type plan would cost me.
But it pays more to avoid getting insurance until you need it, right? I would imagine the lower middle income folks will select this option. Makes the most financial sense.
The CBO has already factored that in. If it does turn out the CBO underestimated those that will opt for the penalty then down the line the penalty can be increased, to increase revenues.
We are not paying for your hospital visits anymore.
You may not be able to pay all of it, but if you have a job and income you are going to pay a certain share.
And you'll pay that certain share when you are healthy and not healthy.
You don't get to game they system anymore.
That will teach the late 20's student with 100K in student debts and a 30K job a thing or two!
And those clever youngins' who opt for catastrophic only and pay out of pocket for their doctor who refuses insurance? They're good to go with the mandate too, right?
Nope. They still are going use taxes, europe, and our economy as reasons for not hiring.
Damned people who own things and like to make more money by growing just won't do it. I guess it is sure as hell because they really don't like to make money. Have you a lot of money invested but don't like to make money with it? I say, No.
The CBO has already factored that in. If it does turn out the CBO underestimated those that will opt for the penalty then down the line the penalty can be increased, to increase revenues.
Sounds great. Time to make the 50% who don't pay taxes start paying! I agree with you on that one.
Do you qualify as someone who Romney referred to as free-loaders? Then yes, you do. That was his plan.
No, Like the new 2.3% medical devise tax, as well as 12 others in Obamacare, as well as paying for people on Massheath, so we are Double burdened with 2 heathcare laws in Massachusetts, which is why either Massheath should be dissolved, or our delegation should work to take out Obamacare.
Each family is different and those who have small businesses on paper make over $200,000 . This is going to hurt small business and it will kill jobs as many will not want to have to insure the employees with more taxes or fines. This is unconstitutional and so far reaching it is taking what America was to a socialist country. We will be Greece as the anchor babies numbers grow and get on free insurance. We can't insure the world or another country because we will ALL BE POOR or move to a country that will not tax and take .
The biggest mistake this country ever made was to put Obama in the white house. This is the end of the working class and the democratic party. It is done.
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