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There's lots of debate over whether the Fed Govt should take over Health Care, and to what extent, etc.
Well, suppose it does happen. What do we do then?
Several proposals are out there. Most seem to have several things in common:
1.) Health care insurance will now be mandatory for everyone. If you don't want to sign up, you will be assessed a fine, maybe around the level of $700 per year.
2.) Employers will also face a similar choice. It might depend on how many employees they have. They can either provide insurance for their employees, or they can pay a similar fine to the government for each employee they DON'T insure.
3.) All insurance companies will be required to offer insurance that complies with new government standards, including to anyone who has a pre-existing condition. People who want to sign up, who already have a condition the insurance must pay for (broken arm, diabetes, cancer, other long-term chronic condition etc.), cannot be refused coverage due to that pre-existing condition.
Everyone wants, naturally, to minimize the costs they have to pay, while maintaining sufficient security in case bad things happen.
With these factors in mind, it becomes clear what companies must do, and what each individual should do.
A) We should each drop our present health insurance, as soon as possible. It will cost less to simply pay the annual fine. If you're getting your health insurance thru your employer, negotiate with them to start paying the amount they spend on your policy, directly to you in your paycheck instead. You might find that your employer is soon dropping ALL insurance policies, since it will cost them less to pay their fine too.
B) If/when you incur some major medical problem, THEN go to an insurance company and sign up. The problem you came down with, is now a pre-existing condition... but under the new rules, the insurance company cannot refuse you. They will sign you up for the normal coverage, on the spot, and most of your expenses will be paid for. You will pay the normal premiums during the time they are paying for your medical care, which are far less than your paying for the care yourself.
C) When your condition is cured, drop the insurance, go back to paying only the annual fine (which is much less than the premiums) and wait for the next major malady to come along. If one comes, then sign up for insurance again, after it's diagnosed. Again, they cannot refuse you.
This will get you the security of being able to have insurance pay for anything bad that comes along, while minimizing the amount you have to pay. A win-win situation all around, wouldn't you say?
Of course, how this system will be able to support itself, with basically nobody paying premiums (except the relatively small fine) until they have a condition where they will draw out much more than they pay in, might be a problem. But it's not YOUR problem. Government is handling it. You're obeying all rules and laws, to the letter. Let them worry.
The 80% of Americans that had good health care, will find that the level has dropped down to match the 20% that were too lazy to buy it, or here illegally.
There will be nothing good from it. Other than War and collection of taxes, the Federal Government screws up just about anything they get involved in one way or another.
1. Make friends with doctors who will treat you outside of Obamacare.
2. Stay healthy or get healthy
3. Elect those who are willing to recind Obamacare and other large government entitlement programs as well as cutting overall government spending.
4. Demand a balance budget amendment to the Constitution to keep Congressional spending in check.
5. Demand a Constitutional amendment to deny US citizenship to anyone who's parents are not US citizens. i.e. drastically cut the flow of illegal aliens by cutting the anchor-baby citizenship entitlement. The cost to our heath-care system from illegal aliens is astronomical!
There's lots of debate over whether the Fed Govt should take over Health Care, and to what extent, etc.
Well, suppose it does happen. What do we do then?
Several proposals are out there. Most seem to have several things in common:
1.) Health care insurance will now be mandatory for everyone. If you don't want to sign up, you will be assessed a fine, maybe around the level of $700 per year.
2.) Employers will also face a similar choice. It might depend on how many employees they have. They can either provide insurance for their employees, or they can pay a similar fine to the government for each employee they DON'T insure.
3.) All insurance companies will be required to offer insurance that complies with new government standards, including to anyone who has a pre-existing condition. People who want to sign up, who already have a condition the insurance must pay for (broken arm, diabetes, cancer, other long-term chronic condition etc.), cannot be refused coverage due to that pre-existing condition.
Everyone wants, naturally, to minimize the costs they have to pay, while maintaining sufficient security in case bad things happen.
With these factors in mind, it becomes clear what companies must do, and what each individual should do.
A) We should each drop our present health insurance, as soon as possible. It will cost less to simply pay the annual fine. If you're getting your health insurance thru your employer, negotiate with them to start paying the amount they spend on your policy, directly to you in your paycheck instead. You might find that your employer is soon dropping ALL insurance policies, since it will cost them less to pay their fine too.
B) If/when you incur some major medical problem, THEN go to an insurance company and sign up. The problem you came down with, is now a pre-existing condition... but under the new rules, the insurance company cannot refuse you. They will sign you up for the normal coverage, on the spot, and most of your expenses will be paid for. You will pay the normal premiums during the time they are paying for your medical care, which are far less than your paying for the care yourself.
C) When your condition is cured, drop the insurance, go back to paying only the annual fine (which is much less than the premiums) and wait for the next major malady to come along. If one comes, then sign up for insurance again, after it's diagnosed. Again, they cannot refuse you.
This will get you the security of being able to have insurance pay for anything bad that comes along, while minimizing the amount you have to pay. A win-win situation all around, wouldn't you say?
Of course, how this system will be able to support itself, with basically nobody paying premiums (except the relatively small fine) until they have a condition where they will draw out much more than they pay in, might be a problem. But it's not YOUR problem. Government is handling it. You're obeying all rules and laws, to the letter. Let them worry.
Comments/questions?
Why not move to Costa Rica with Rush Limbaugh? Then you'll have a public health insurance plan and not have to worry about it?
I will drop insurance for myself and my family. I will then pay my employees a difference in salary based on the premiums they were previously paying to obtain what ever coverage they want. I will pay the penalities to go without insurance and put the money into a money market or CD over time and only pull it out if I need healthcare. If I need more than what I have saved, Ill sign up for government insurance until I no longer need the treatment and continue saving.
Screw the nanny-state for trying to tell me I have to pay for myself (private insurance) and pay higher taxes for everybody else. I am done with the free loaders.
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