Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
Our insurance cost for a policy with a $12,000.00 deductible is $1143.00 a month. Our mortgage is $1100.00 a month. Insurance cost more and we have to pay $12,000 before the insurance pays anything! This is the cheapest I could find that meets our needs.
Where the heck do you live, that sounds really high. In Sacramento a Gold plan with no deductible for 2 40 year old people is $840 a month, a bronze plan for 2 40 year old's A bronze plan with a $12,000 family deductible if $540 a month. Maybe you have a lot of kids or something?
The idea that government can force individuals to buy from private industry is probably as invasive into individual Liberties as is allowing Carte Blanche surveillance of telephone calls.
It would be easy to call Obama a crazy guy for breeching Constitutional Liberties has he has so many times during his ignominious term in office, but he is not a crazy, just a puppet for Wall Street and Big Business, both of which love the idea of forcing individuals to buy from private industry. Obama's is undoubtedly the biggest traitor to the working person that ever sat in the White House.
You don't have to buy anything you can pay a penalty instead, in 2015 it's a whopping $325. The system can't function by not having some penalty for not participating. The biggest problem is a 21 year old who thinks he/she is immortal and has a motorcycle accident and ends up with 250k in medical bills, they can't pay it so without insurance it falls on the hospital, which in turn raises the rates for everyone.
You don't have to buy anything you can pay a penalty instead, in 2015 it's a whopping $325. The system can't function by not having some penalty for not participating. The biggest problem is a 21 year old who thinks he/she is immortal and has a motorcycle accident and ends up with 250k in medical bills, they can't pay it so without insurance it falls on the hospital, which in turn raises the rates for everyone.
The penalties go up and keep going up to support the corrupt system.
The biggest problem is the insatiable appetite of the medical industry which is now consuming 18% of the GNP which is almost double other developing countries while delivering WORSE RESULTS. The marketing pitch of the industry is "listen to the doctor or YOU WILL DIE! Nice pitch and Americans blindly follow the industry pitchman - the physicians.
Insurance is suppose to guard against unexpected and huge losses. It has now morphed into a industry so strong that it can get government laws passed that force private citizens to purchase their broken product.
I repeat, the U.S. medical system produces some of the worse results, if not the worse results, in developed nations while costing twice as much. Thank you Obama for making us slaves of private industry whims.
The penalties go up and keep going up to support the corrupt system.
The biggest problem is the insatiable appetite of the medical industry which is now consuming 18% of the GNP which is almost double other developing countries while delivering WORSE RESULTS. The marketing pitch of the industry is "listen to the doctor or YOU WILL DIE! Nice pitch and Americans blindly follow the industry pitchman - the physicians. Insurance is suppose to guard against unexpected and huge losses. It has now morphed into a industry so strong that it can get government laws passed that force private citizens to purchase their broken product.I repeat, the U.S. medical system produces some of the worse results, if not the worse results, in developed nations while costing twice as much. Thank you Obama for making us slaves of private industry whims.
Is it right to make having health insurance the law? Things like home insurance or car insurance can be avoided by not owning them, however, your health is not something you can disown.
Furthermore, for those who's jobs do not provide this benefit this puts a huge strain on their budget, sometimes often costing as much or more then most peoples mortgages.
Thoughts?
Just like you cannot "disown' your health insurance, you cannot "disown" your own human body!!!!
It WILL fail you at some point for reasons listed below:
You ARE quite correct, you can avoid auto insurance by not owning a car, but you will then never have an car accident either, unless it is car/pedestrian or bicyclist!
You can avoid homeowner's insurance by not owning a home {ONE SHOULD, however, get RENTER"S insurance as the land lord's insurance does NOT cover tenant's property in case of any losses to the landlord due to flood, storm, fire, or even theft. The Renter's insurance WILL cover that for about a whole $125 a year!}
There are BOUND to be things to go wrong with your body, HOWEVER!!!
You may be young and strong now, but things WILL go wrong with your body!
You will: get allergies/develop them over time to things in the environment.
You WILL: get things like colds, viruses or pneumonia.
You WILL: AGE! Getting older takes it's toll on your body.
You WILL: likely need surgery somewhere over time.
YOU WILL: need health care should you be involved in any kind of accident...like a bus accident while taking the bus... a storm accident, a plane crash, a car-pedestrian accident while crossing the street!
YOU WILL: maybe cut yourself with a knife, saw or other sharp instrument while doing something and need stitches.
Any Children you have WILL: Injure themselves, NEED "well baby" checkups, develop allergies, grow up, etc.
There are things like, but not limited to: cancer you can develop over time; age-related complications like bad back, bum knee; a HOST Of OTHER diseases!!!
Health care IS EXPENSIVE, THAT is why you have Health insurance!!! BECAUSE YOU CANNOT TRUST YOUR BODY!
Good luck to you and the penalties you will pay if you DOn't get health insurance!
Where the heck do you live, that sounds really high. In Sacramento a Gold plan with no deductible for 2 40 year old people is $840 a month, a bronze plan for 2 40 year old's A bronze plan with a $12,000 family deductible if $540 a month. Maybe you have a lot of kids or something?
MOH {My Other Half} had a High deductible plan but pays only $50 per pay period {bi weekly} to have it. That is not the hard part....The deductible is $5700/year, then coverage only covers 80% of ANYTHING over that amount.
Last year MOH had surgery, among other medical things, like an infusion for a bone disease...
The surgery was $15K, plus the infusion was $2500- for just those two alone! we paid OUT OF POCKET $5700, then had only 80% coverage for the amounts due over that {$2360} SO for those two things ALONE, we paid out of pocket $8060.00!
Then, MOH had to pay co-pays for the OTHER health issues, and with my health care costs of $325/m for my coverage {another $3900/yr} we were up to $11,960 and we paid a LOT in prescription coverage co-pays {mine are supposed to be $575/m but I whittled it down to $220/m or $2640 a year}, now being $14,600 out of pocket.
Add in MOH's other medical issues and MOH's co-pays alone of $92.50/m {another $1110}, we were up to $15,710 OUT OF POCKET + {I don't remember the exact total without looking it up for the other medical co-pays {$50 per Doctor office visit for MOH}
BUT: I DO know this: We paid out 52% of our GROSS income in health care costs last year!!!!
Since MOH and I have insurance through work, as I understand it, we cannot buy on the health care market place, and we are not so sure that is going to be cheaper over all either...
Nor can we afford the monthly premium if we both went on either plan {$750/month for "family plan" on MOH's for instance, for the two of us!! That is almost 95% of MOH's Gross pay!!! It is to DISCOURAGE people other than employees to be on it.} PLUS we'd STILL have that darned high deductible....My plan for "family" isn't much better.
Darned if you do, darned if you don't!
makes my head hurt thinking about it all over again!
The penalties go up and keep going up to support the corrupt system.
After 2016 the penalties increase only based on inflation - so you're right only up to that point. It's not like a fine when you actually break a law that can go up based on how many times you've not followed the law before - with the Obamacare penalty it's the same whether it's your first year without health insurance or you've gone without every year since it took effect in 2014. The best "fine" analogy is with library fines (with a much greater magnitude of course) - the fine is not dependent on your history of returning items on time, it's not a "crime" that goes on your record, and at most libraries (except for out-of-print books or other irreplaceable materials) you can't be fined more than the retail price of the book/item (like how with Obamacare the fine is capped at the national average cost of a bronze plan).
I am in favor of FOOMP!
The Federal Office Of Medical Payments.
Yes, another Federal Bureaucracy, but a severely limited one. The employees of FOOMP would be authorized to do one thing, and one thing ONLY: write checks to pay the medical/dental/vision etc. bills for UNITED STATES CITIZENS ONLY!
NO other "health care" insurance policies would be allowed in the United States or the territories thereof.
The citizen would never see the bill. ALL bills would be sent to the nearest FOOMP office for payment. There, a clerk would open the bill, note the amount, and pay the bill. It would be the responsibility of the medical provider to verify that the patient is a citizen of the U.S. FOOMP inspectors would make random checks of bills to verify citizenship.
No bills from other countries would be paid. Medical insurance policies for travel to other countries would be legal for insurance companies to write.
How would all this be paid for? Why, the same way all other such programs are paid for! That should be obvious!
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
