For a housewife trying to work out her family budget, the course is now clear (salary, health care)
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When your neighbor is struggling with the family budget, trying to figure out how much of what kind of foods to cut to pay for Billy's tuition next year or Sally's dress and shoes, it's now clear what she must do if she wants to minimize expenditures in other areas.
The penalty (sorry, it is now a "tax") for not signing up for Obamacare will be much lower than the premiums she'll have to pay if she does sign up. And Obamacare requires that, if she waits until someone is actually sick or injured before signing up, the insurance company must take the sick person despite what is now a "pre-existing condition".
So, what the struggling housewife should do, is clear: She should drop all health insurance. And simply pay the lower amount, the "tax" for not signing up.
Then, if and when somebody in her household gets sick, she should sign up then. The insurance company must take her and pay for the treatments for the sickness. She will pay their (higher) premiums until the sick person is cured. And then she can drop the insurance coverage, and go back to paying the "lower) "tax" instead.
Repeat as necessary.
Anybody see any holes in this idea? She can definitely feed her family better this way, than by remaining permanently signed up for insurance.
Why do any of us need to be signed up for insurance any more, before we actually need medical treatment?
I hadn't thought of it that way. There must be some rule in place to keep people from doing this. What I'm asking here now I have already asked on other threads without an answer. I want someone to direct me to a link that will give me more detailed information about what it required. I don't think anyone even knows how much coverage we will be required to buy. And yours is also another good question I would now like an answer to.
When your neighbor is struggling with the family budget, trying to figure out how much of what kind of foods to cut to pay for Billy's tuition next year or Sally's dress and shoes, it's now clear what she must do if she wants to minimize expenditures in other areas.
The penalty (sorry, it is now a "tax") for not signing up for Obamacare will be much lower than the premiums she'll have to pay if she does sign up. And Obamacare requires that, if she waits until someone is actually sick or injured before signing up, the insurance company must take the sick person despite what is now a "pre-existing condition".
So, what the struggling housewife should do, is clear: She should drop all health insurance. And simply pay the lower amount, the "tax" for not signing up.
Then, if and when somebody in her household gets sick, she should sign up then. The insurance company must take her and pay for the treatments for the sickness. She will pay their (higher) premiums until the sick person is cured. And then she can drop the insurance coverage, and go back to paying the "lower) "tax" instead.
Repeat as necessary.
Anybody see any holes in this idea? She can definitely feed her family better this way, than by remaining permanently signed up for insurance.
Why do any of us need to be signed up for insurance any more, before we actually need medical treatment?
Comment?
It will work, for a while. Eventually insurance companies will break under the costs and more and more people will simply have to rely on the government for insurance and health care.
Have no fear; they will quickly adjust that penalty / tax so that it's a nice stick to encourage this housewife and others to sign up for the healthcare. And I'm fine with that.
Everyone will be in the healthcare market at some point - it's just a question of timing, frequency, and severity. As such, they should pay in what they can while they are healthy; that's the whole point of insurance. Assuming they can afford to pitch in something, why should they get a free ride at my expense? That's not fair. If their participation can be coupled with other mechanisms to provide decent coverage options that get more people on the path for regular preventative care rather than just relying on emergency rooms once things get catastrophic, that will be much better for the system overall as well.
If people have the money to put in for health insurance and refuse to do so, that's fine - but we should have a law that says they only get the care they can pay for out of pocket, and after that care is cut off and they can be carted away to die.
When your neighbor is struggling with the family budget, trying to figure out how much of what kind of foods to cut to pay for Billy's tuition next year or Sally's dress and shoes, it's now clear what she must do if she wants to minimize expenditures in other areas.
The penalty (sorry, it is now a "tax") for not signing up for Obamacare will be much lower than the premiums she'll have to pay if she does sign up. And Obamacare requires that, if she waits until someone is actually sick or injured before signing up, the insurance company must take the sick person despite what is now a "pre-existing condition".
So, what the struggling housewife should do, is clear: She should drop all health insurance. And simply pay the lower amount, the "tax" for not signing up.
Then, if and when somebody in her household gets sick, she should sign up then. The insurance company must take her and pay for the treatments for the sickness. She will pay their (higher) premiums until the sick person is cured. And then she can drop the insurance coverage, and go back to paying the "lower) "tax" instead.
Repeat as necessary.
Anybody see any holes in this idea? She can definitely feed her family better this way, than by remaining permanently signed up for insurance.
Why do any of us need to be signed up for insurance any more, before we actually need medical treatment?
Comment?
Absolute Rubbish!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
If this so called struggling housewife is earning good money, has a partner, husband etc bringing in money and is doing ok then she\he will pay a tax IF she does NOT get one of the many new health care plans that will be available..... IF she deecides her chidrens heath isn't important or IF she wants everyone else to pay for her ER visits. IF the struggling husewife is earning a low salary and CANNOT afford health care.... the Govt will help her pay for heath care or not make her pay a tax if she really is in hardship. These stupid comments as on here about this law and how it works are just that STUPID.....
In fact, President Obama said in his speech today he does NOT want people signing up for health care just before they get sick or are sick as that RAISES PREMIUMS and that is why he is making sure that we all who can afford it pay up... keep premiums down and help the poorer amongst us......... Listen to what he says NOT what the right want him to say to please their awful agenda!!!!!!!!!!!!!!!!!!!!!!!!
Absolute Rubbish!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
If this so called struggling housewife is earning good money, has a partner, husband etc bringing in money and is doing ok then se\he will pay a tax IF she does NOT get one of the many new health care plans that will be available..... IF she deecides her chidrens heath isn't important or IF she wants everyone else to pay for her ER visits. IF the struggling husewife is earning a low salary and CANNOT afford health care.... the Govt will help her pay for heath care or not make her pay a tax if she really is in hardship. These stupid comments as on here about this law and how it works are just that STUPID.....
In fact, President Obama said in his speech today he does NOT want people signing up for health care just before they get sick or are sick and that is why he is making sure that we all who can afford it pay up... keep premiums down and help the poorer amongst us......... Listen to what he says NOT what the right want him to say to please their awful agenda!!!!!!!!!!!!!!!!!!!!!!!!
The poor already had medicaid.....
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