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Oh, so a healthier person like me should pay for someone like you? How very socialist of you. And a single payer system like England has is bad how again?
I don't have health insurance because its pointless. The insurance at work is okay at best. I'm sulfite sensitive and the main reason I'd end up in the hospital is because I would need treatment for breathing problems due to my sensitivity. The insurance at work doesn't cover nebulizer or albuterol, my coworker who ended up with pneumonia found that out the hard way. Why pay for something that won't cover the bills when I need it? I could put the money to other uses. Like new glasses or a visit to the dentist or the new tires my car needs.
When I need healthcare I go to the urgent care clinic and pay out of pocket. Its much more affordable than paying $200 a month and still having copays on the rare occasion I have to visit the doctor.
I do not agree with the idea that someone such as myself should be paying for geezers or fat people who stuff their faces full of twinkies should be paying insurance for "those that need it." Nor do I think it is appropriate that I should have to pay insurance when I do not need it via government coersion.
You're way off base because, while I believe in the basic premise of insurance, I beieve it should be voluntary and that companies should be alowed to sell various levels of coverage.
I also believe you should be free to not buy insurance....................................as long as there was some process in place that insured you would be totally responsible for the consequences of not having any.
What your current policy pays for is beside the point and up to your employer to select.....when we had private coverage Albuterol was covered.
Actually, you're complaining about something that many of us object to with the ACA and that is that it mandates coverage for many many things that many people will not use.
A lower cost policy that covered your co-woorker for the big bill...the hospitalization but not the medicine.
That is what insurance should be and what would go a long way towards keeping prices down.
You don't want to pay for me.....rightly so....and I don't want to pay for some young woman's pregnancy
So, just to clarify, the same people that are so worried about so called "Death Panels" are fine with insurers denying coverage to those with pre-existing conditions, who probably need it most? How is that not a death panel?
So, just to clarify, the same people that are so worried about so called "Death Panels" are fine with insurers denying coverage to those with pre-existing conditions, who probably need it most? How is that not a death panel?
Oh, but to them it's okay, because the free market can decide whether you live or die. The other name for "free market" in Republicanspeak is "God".
Yes. People very near and dear to me. I have even payed for their care myself. But I don't expect any republicans.......to know what that means
The saddest, A good friend got laid off, lost health insurance,kidneys got burned out because he could not afford HBP medicine. He had got a new job when it happen but the damage had been done. He had the job two weeks or so and I was in the hospital with him when they called and told him they had to let go for missing work He is now on dialysis. So instead of paying taxes like he was before,now he get disability
These republicans make me sick
Your post is just sad.........sad that you think only Dems have issues with their loved ones and take care of others, so naive of a statement. This same hate was shown by the left when they spoke about Palin's child.......... yeah the left has a total grip on taking care of people.
The Risks and Perils of Obamacare
What is coming our way......... according to a recent survey, nine out of ten physicians currently dissuade their children from pursuing a career in medicine. The desirability of a medical career is nowhere better reflected than in the plummeting number of applications to medical school during the last generation. The quality of medical education will undoubtedly decline and the AAMC (Association of American Medical Colleges) predicts that by the year 2025, there will be a physician shortage of 160,000.What that means is that nearly one of five people will have insurance coverage but no access to health care. The reality is probably even bleaker, as disillusioned physicians, by then all employees, will have cut their hours, become less efficient and less productive, lost their desire for excellence and taken early retirement.
I'm not sure the statement about the plummeting number of medical school applicants during the last generation. Most med schools have far more applicants than they can accomodate, and you don't apply to med school unless you have a near-perfect GPA and high MCAT scores. In any event, a generation spans 30 years (roughly), so that sort of disproves that even if true, it's not b/c of Obamacare. Does the author of this piece have a crystal ball or something, to predict what physicians will be doing in 2025, 13 years from now? I can make a prediction, too. They'll be doing the same things they're doing now.
So, just to clarify, the same people that are so worried about so called "Death Panels" are fine with insurers denying coverage to those with pre-existing conditions, who probably need it most? How is that not a death panel?
How is that not a death panel?
Wrong question.
The question is why are you incapable of understanding what insurance is?
A better question might be how is it that you don't understand how insurance works?
And my question to you is why are you spreading disinformation/misinformation?
Black's: Insurance is a contract whereby for a stipulated consideration, one party undertakes to compensate the other for loss on a specific subject by specified perils.
That is not my definition of insurance. That is Black' [Law Dictionary] and the definition used by the United States Supreme Court (I'm hoping you all know what that is).
Going back to the definition, you pay for a certain amount of coverage based on statistical risk. For example, a 1600 sq ft house valued at $180,000 would cost ~$550/year based on certain statistical risks.
So if your home burns down, the insurance company gives you how much? Anyone? Bueller?
$180,000.....right.
The insurance company doesn't give $500,000 or $1 Million or $5 Million, it gives you $180,000 because that is what you paid for based on your statistical risk.
If you want home insurance for $250,000 then it will cost you more than $550/year because the loss is higher.
Does anyone not get that? So the only correct answer to the question....
Do you know anyone without health insurance?
....is "Yes, I know 314 Million Americans don't have health insurance."
If you don't have insurance, then what do you have?
You have a medical services cost-sharing plan.
A cost-sharing plan is not the same thing as insurance.
What you people are doing through your employer is pooling money together and then praying that no one uses up more money than you collected through the employer pool........and if you do, then who comes and saves your ass? Um, that would be the 1% that all of you hate so much. Yes, the 1% loan money to health plan providers by purchasing stocks or bonds so that the health plan providers have money to pay for the cost of your health care.
And this cost-sharing plan is grotesquely unfair, because single people subsidize the cost of married couples w/o children and for families by paying more in premiums, just as married couples w/o children pay more money to subsidize the cost of health care for families by paying more in premiums and then the government subsidizes both you and your employer through tax breaks.
So you're paying, what, $3,000 per year in "premiums" (snicker) for "health insurance" (snicker) and you want $5 Million in coverage?
Sorry, it doesn't work that way. If you want $5 Million or more in health care services then you're going to have to pay a helluva lot more than $3,000 per year. If you want more than $500,000 then you're going to have to pay more than $3,000 per year.
If you had real, genuine, true, actual bona fide health insurance, instead of a cost-sharing plan, then you wouldn't have to worry about death panels or pre-existing conditions.
I don't suppose any of you sees the irony in that.
You drank the Kool-Aid and bought into the lie that you have "health insurance" when in fact all you have is an incredibly expensive cost-sharing plan, and then you can't understand why health plan providers limit coverage or payments or have death panels or deny pre-existing conditions, when in reality if you had real insurance there wouldn't be any issues.
The question is why are you incapable of understanding what insurance is?
A better question might be how is it that you don't understand how insurance works?
And my question to you is why are you spreading disinformation/misinformation?
Black's: Insurance is a contract whereby for a stipulated consideration, one party undertakes to compensate the other for loss on a specific subject by specified perils.
That is not my definition of insurance. That is Black' [Law Dictionary] and the definition used by the United States Supreme Court (I'm hoping you all know what that is).
Going back to the definition, you pay for a certain amount of coverage based on statistical risk. For example, a 1600 sq ft house valued at $180,000 would cost ~$550/year based on certain statistical risks.
So if your home burns down, the insurance company gives you how much? Anyone? Bueller?
$180,000.....right.
The insurance company doesn't give $500,000 or $1 Million or $5 Million, it gives you $180,000 because that is what you paid for based on your statistical risk.
If you want home insurance for $250,000 then it will cost you more than $550/year because the loss is higher.
Does anyone not get that? So the only correct answer to the question....
Do you know anyone without health insurance?
....is "Yes, I know 314 Million Americans don't have health insurance."
If you don't have insurance, then what do you have?
You have a medical services cost-sharing plan.
A cost-sharing plan is not the same thing as insurance.
What you people are doing through your employer is pooling money together and then praying that no one uses up more money than you collected through the employer pool........and if you do, then who comes and saves your ass? Um, that would be the 1% that all of you hate so much. Yes, the 1% loan money to health plan providers by purchasing stocks or bonds so that the health plan providers have money to pay for the cost of your health care.
And this cost-sharing plan is grotesquely unfair, because single people subsidize the cost of married couples w/o children and for families by paying more in premiums, just as married couples w/o children pay more money to subsidize the cost of health care for families by paying more in premiums and then the government subsidizes both you and your employer through tax breaks.
So you're paying, what, $3,000 per year in "premiums" (snicker) for "health insurance" (snicker) and you want $5 Million in coverage?
Sorry, it doesn't work that way. If you want $5 Million or more in health care services then you're going to have to pay a helluva lot more than $3,000 per year. If you want more than $500,000 then you're going to have to pay more than $3,000 per year.
If you had real, genuine, true, actual bona fide health insurance, instead of a cost-sharing plan, then you wouldn't have to worry about death panels or pre-existing conditions.
I don't suppose any of you sees the irony in that.
You drank the Kool-Aid and bought into the lie that you have "health insurance" when in fact all you have is an incredibly expensive cost-sharing plan, and then you can't understand why health plan providers limit coverage or payments or have death panels or deny pre-existing conditions, when in reality if you had real insurance there wouldn't be any issues.
Clarifying...
Mircea
Well, thanks for the detailed explanation, but I do know how insurance works, and I understand that the amount of your premiums are based on statistical risk. (A friend of mine was an actuary for an insurance company, and had some interesting stories to tell about it) What I don't understand is how people can be so cavalier about access to affordable healthcare as long as they don't have to worry about it themselves.
I have a pre-existing condition that completely prevents me from purchasing health insurance privately, so I have to depend on the "cost sharing plan" provided by my wife's employer. I am very fortunate to have decent coverage. Were she to lose her job, or were we to have a go at being self-employed, or somesuch, I would be unable to get insurance, and should I require, say, another open heart surgery, it would likely bankrupt me.
You'd think with all of this "cost sharing" the actual cost of healthcare would go down, but as it is, the insurance companies and the health providers rake in the cash and pass outrageous costs on to the consumer.
I've seen you, in other threads, break down the differences between the American "Hospital" model, and the European "clinic" model, which is probably why socialized medicine is able to work in those places. Personally, I would rather see us pursue that kind of healthcare model than the abominable compromise of Obamacare, which still puts loads of cash in the pockets of insurance companies (via the mandate) & healthcare providers, while sticking it to the consumer.
Also, I have shown nothing but respect for you on this forum, even though I often disagree with you, so I would appreciate the same in return. I find your posts informative, but would it kill you to dial back the condescension a notch?
Discussing
quigboto
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He is now on dialysis. So instead of paying taxes like he was before,now he get disability
