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It is unethical, immoral, and down right criminal to force another to pay for you regardless of your hardship story.
It is as simple as that. Either you believe in responsibility or you are a leech that expects others should pay your bills. This is the core of the issue here when you expect an insurance company to cover a person they had not previously contracted with.
And I've pointed out that responsible people who have paid the premiums for employer-sponsored health care without fail for years can be kicked out (or charged such high COBRA rates that it leads to interrupted coverage) when they are laid off -- and who among us has not been laid off at least one time in last twenty years? The one thing the AFA has going for it is protection against refusal of coverage for pre-existing conditions when transitioning from one health insurance policy to another. Without that protection, a lot of people, responsible people, are going to find themselves up a creek without a paddle. It does not take long to roll through what seemed to be an ample emergency fund when COBRA payments exceed $2k per month.
And I've pointed out that responsible people who have paid the premiums for employer-sponsored health care without fail for years can be kicked out (or charged such high COBRA rates that it leads to interrupted coverage) when they are laid off -- and who among us has not been laid off at least one time in last twenty years? The one thing the AFA has going for it is protection against refusal of coverage for pre-existing conditions when transitioning from one health insurance policy to another. Without that protection, a lot of people, responsible people, are going to find themselves up a creek without a paddle. It does not take long to roll through what seemed to be an ample emergency fund when COBRA payments exceed $2k per month.
...so therefore it's OK to seize money from your neighbors?
And I've pointed out that responsible people who have paid the premiums for employer-sponsored health care without fail for years can be kicked out (or charged such high COBRA rates that it leads to interrupted coverage) when they are laid off -- and who among us has not been laid off at least one time in last twenty years? The one thing the AFA has going for it is protection against refusal of coverage for pre-existing conditions when transitioning from one health insurance policy to another. Without that protection, a lot of people, responsible people, are going to find themselves up a creek without a paddle. It does not take long to roll through what seemed to be an ample emergency fund when COBRA payments exceed $2k per month.
That is a contract issue. That is not the same as what I was talking about. Contract issues can be better negotiated.
...so therefore it's OK to seize money from your neighbors?
How did you go from protecting paying policy subscribers from denial of coverage of pre-existing conditions when transitioning health care plans due to job change to stealing money from my neighbors? No matter what happens, this is something that needs to be retained from the AFA for the good of all.
How did you go from protecting paying policy subscribers from denial of coverage of pre-existing conditions when transitioning health care plans due to job change to stealing money from my neighbors? No matter what happens, this is something that needs to be retained from the AFA for the good of all.
Because you said COBRA is expensive. So what? The reason COBRA is expensive is if you are racking up huge costs. If you use a lot of insurance -- for anything -- guess what happens? Your rates go up. If at some point they're too high for you ...that's your problem again. There is a mechanism in place to keep you covered, however that doesn't mean it has to be at a rate you choose.
Because you said COBRA is expensive. So what? The reason COBRA is expensive is if you are racking up huge costs. If you use a lot of insurance -- for anything -- guess what happens? Your rates go up. If at some point they're too high for you ...that's your problem again. There is a mechanism in place to keep you covered, however that doesn't mean it has to be at a rate you choose.
Exactly, insurance is something not meant to be used regularly. It exists only in cases of extreme need. Health insurance was never supposed to be used as like a gym membership, it was supposed to only be there for dire need, in extreme circumstances where paying out of pocket was not reasonable in cost.
People today seem to have no concept of what "insurance" is.
To those who oppose the ACA how would you deal with people with pre-existing conditions with your health plan?
It's moot. Pre-existing conditions are going to be covered. Quit with the gloom and doom. It's not realistic. And for the record, many, many Republicans were always for a pre-existing clause before, during and after your guy is gone.
Location: Live:Downtown Phoenix, AZ/Work:Greater Los Angeles, CA
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Quote:
Originally Posted by NxtGen
Exactly, insurance is something not meant to be used regularly. It exists only in cases of extreme need. Health insurance was never supposed to be used as like a gym membership, it was supposed to only be there for dire need, in extreme circumstances where paying out of pocket was not reasonable in cost.
People today seem to have no concept of what "insurance" is.
It sounds like REAL theft, rather than the theft label you apply to taxes, because at least you get things for the money you pay in taxes, like education, internet/phone grid, toll free roads, etc; where with for profit insurance, you just transfer wealth from yourself to the CEO of the insurance company for nothing in return, THAT is theft, not taxes
How are you going to privatize an already public road? Explain that one to me.....
No. Stay on topic.
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