|
|
 |
|
#1
10-29-2013, 12:36 PM
|
||||
|
||||
''I was all for Obamacare until I found out I was paying for it"
Priceless and refreshingly honest quote in this article.
http://www.latimes.com/business/la-f...#axzz2j81tvFbf 
|
|
#4
11-04-2013, 01:31 AM
|
|||
|
|||
|
There is something I don't understand. They say that the penalties for not having insurance are not that high. So it seems like the smart thing to do is to not get insurance. Instead, just wait until you get really sick, then get insurance. Since they can't turn you down for a pre-existing condition, don't get insurance until you are really sick and need it.
What would prevent a person from doing that?
|
|
#5
11-04-2013, 05:24 AM
|
||||
|
||||
|
Quote:
|
|
#7
11-04-2013, 07:26 AM
|
|||
|
|||
|
Quote:
look, if we all knew when everything was going to happen, we wouldn't buy any insurance til we needed it. and when you apply, it doesn't start immediately. those getting into the program now won't be covered til jan 1. the trick is, none of us know any of that. it's just like the koch brothers telling younger people, you're betting off paying the fine. no, you're not. no one is better off not having it, because eventually everyone will use medical care. i'm appalled that anyone would tell anyone 'you don't need it'. hell, many won't need social security-you going to tell people not to pay into that, too? what would that do to ss?
|
|
#8
11-04-2013, 10:01 AM
|
|||
|
|||
|
Quote:
|
|
#9
11-04-2013, 01:10 PM
|
|||
|
|||
|
What they should do to make sure people don't take advantage is to only force the insurance companies to take people with pre-existing conditions for a limited time. For example, they could force companies to take people with pre-existing conditions until 2015 and not after that. That way at least there would be an incentive for healthy people to get insurance while they're still healthy and able to get it.
|
|
#10
11-04-2013, 01:21 PM
|
||||
|
||||
|
Quote:
 You are trolling with this right?
|
|
#11
11-04-2013, 02:19 PM
|
|||
|
|||
|
Quote:
|
|
#12
11-04-2013, 03:26 PM
|
|||
|
|||
|
Does anyone know how this thing works with regard to pre-existing conditions? The only thing I know is that they can't turn you down due to a pre-existing condition. But how much would insurance cost a person with a serious condition? Qould it be way more expensive than for a healthy person? For example, if a person has cancer and they don't have insurance and their treatments cost $80,000 a year, how much would their premium be if they tried to get insurance? How could an insurance company afford to sell this person a policy for $500 a month, if they know the treatments are going to cost $80,000 a year? Insurance companies are businesses. They're not charities.
|
|
#13
11-04-2013, 03:48 PM
|
|||
|
|||
|
the individual mandate was imposed to keep an even keel. it was the compromise to forcing insurers to no longer ask/decline due to pre-existing conditions. presumably adding younger and healthy policy holders will keep insurance companies from going under because they have to take on higher risk customers as well.
another plus-if everyone has insurance, it's felt that hospital bills will decrease, as they won't have to charge huge rates to help pay the bad debt of those with no ability to pay, another positive for insurance companies. far as i know, the only thing they can charge more for is tobacco use. however, the health insurers used to use five different age bands to set rates. now it's only three, which puts the younger at a disadvantage, they won't get a rate break, but will be in with older people than before. of course, many things work in theory, on paper. in practice? that remains to be seen.
|
|
#14
11-04-2013, 04:07 PM
|
|||
|
|||
|
as for just waiting til one gets sick:
http://money.cnn.com/2013/10/09/news...l?iid=obinsite Americans can only sign up for coverage and subsidies on the exchanges during a specified enrollment period. For 2014, it runs through March 31. If a person misses that deadline, they can still get health insurance next year, though they won't be eligible for an exchange policy or a subsidy. so...if you wait til you get sick, you can still get insurance. without help paying for it. i'd recommend that just like i'd recommend trying to buy house insurance when a storm is bearing down. good luck with that.
|
|
#15
11-04-2013, 04:12 PM
|
|||
|
|||
|
and a fix i'd recommend-bare bones policies, without maternity care, office copays, etc. catastrophic coverage type policies. you know, the ones being cancelled--and the type most used to have.
as the average american has demanded more from medical insurers, premiums have skyrocketed. you don't expect your car insurer to cover tune-ups, brake jobs, oil changes and myriad other maintenance costs...but you expect your health insurer to cover a doctor visit, a physical, etc. doesn't make sense. i spend more on a yearly termite inspection on my house then i do on a yearly wellness check up. what would my premium on house and car be if i expected similar care from them?
|
|
#16
11-04-2013, 04:13 PM
|
|||
|
|||
|
Quote:
|
|
#17
11-04-2013, 04:16 PM
|
|||
|
|||
|
Quote:
and it's for everyone, not just those with pre-existing conditions. you have til the end of march to enroll. after that, you have to buy direct from an insurance company, no subsidy, unless you've had a 'life changing event'.
|
|
#19
11-18-2013, 04:17 PM
|
||||
|
||||
Nah, this will blow over and everyone happy
__________________
"If you lose the power to laugh, you lose the power to think" - Clarence Darrow, American lawyer (1857-1938) When you are right, no one remembers;when you are wrong, no one forgets. Thought for today.."No persons are more frequently wrong, than those who will not admit they are wrong" - Francois, Duc de la Rochefoucauld, French moralist (1613-1680)
|
Linear Mode
