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Tennessee Gal

(6,160 posts)
Thu Jun 28, 2012, 08:22 AM Jun 2012

On healthcare -- Is there a good response to this?

Mr. Obama,

I'm NOT going to be penalized for not having health insurance. I can't afford individual coverage or to be added to spouse's insurance ($500+ mo-WTF?!?!) and it's not my fault that I can't find a job that offers benefits. AND we don't qualify for state programs because WE WORK!

~T

****Congress, do your part today and protect us! Shoot it down!!!!****

10 replies = new reply since forum marked as read
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ag_dude

(562 posts)
1. If you really want a response...
Thu Jun 28, 2012, 08:29 AM
Jun 2012

...the only way to bring down that $500/month rate is for everyone to be insured, thus spreading the risk over a larger pool of insured.

Without the mandate, forcing the health insurance companies to cover pre-existing conditions would actually increase the rate even more and make insurance that much more unaffordable for you.

Honeycombe8

(37,648 posts)
2. If you really can't afford it, the govt pays part of the premium for you. Second,,,,
Thu Jun 28, 2012, 08:36 AM
Jun 2012

go to http://www.healthcare.gov/law/features/choices/exchanges/. I have used that site. It's remarkable. There, in one site, is a place for you to put in your data and get pages of insurance healthcare plans. You can sort by price or other criteria. There is a plan for every price point. You can find a GOOD ins. plan for LESS THAN $500 MONTH.

Third, the ACA makes sure that the ins. co. PAYS claims, to the tune of 80% or more of the premiums it charges. So you are protected from having worthless insurance that spends its money on denying you claims.

You CAN find a job with insurance. You just prefer the ones without, possibly for valid reasons. Still, it's FALSE to say you can't find a job w/o ins.

If you can't afford insurance, HOW CAN YOU AFFORD HEALTHCARE, that might well cost you way over $500/mo., after just one medical incident.

If you don't want to pay for your health care, who do you think should? Me? I'm a working person who pays, one way or the other, for my own health care. WHY SHOULD I BE FORCED TO PAY FOR YOUR HEALTH CARE?

ljm2002

(10,751 posts)
4. While the first two responses are excellent...
Thu Jun 28, 2012, 08:53 AM
Jun 2012

...your last three responses are really not good. Not good at all.

You CAN find a job with insurance. You just prefer the ones without, possibly for valid reasons. Still, it's FALSE to say you can't find a job w/o ins.


Besides being condescending and making assumptions ("You just prefer the ones without&quot , it is simply false. People are having a difficult time finding jobs at all, much less jobs with health insurance. I believe the Colorado firefighters are one of the latest examples of jobs without health insurance benefits, and those are usually considered good jobs.

If you can't afford insurance, HOW CAN YOU AFFORD HEALTHCARE, that might well cost you way over $500/mo., after just one medical incident.


Well, yeah, that's kinda the point isn't it? $500/month for an individual is a very high premium. More than half of the typical rent for a small place, and people with low incomes simply cannot afford it. And yes, they will forego health care as well. Of course, even with the $500/month insurance, assuming they can scrape together the money for it, they'll still forego health care due to high deductibles and copays.

If you don't want to pay for your health care, who do you think should? Me? I'm a working person who pays, one way or the other, for my own health care. WHY SHOULD I BE FORCED TO PAY FOR YOUR HEALTH CARE?


Hooh boy, the old canard, "Wny should I be forced to pay for your (health care | food stamps | rent subsidy | big house | etc.)". For one thing, the whole point of insurance is that people pool their money, and only pay those people who need it -- i.e., you are already paying for someone else's health care, or alternatively, they are paying for yours. I could go on at length about this one, but suffice it to say, the old "Why should I be forced to pay for YOUR (whatever)" is a typical kneejerk rightwinger / Teabagger statement and you might want to re-examine your thinking on this.

Just my $.02

Poll_Blind

(23,864 posts)
6. Honestly, I think they snapped on the last three responses. I have no idea why, but that's..
Thu Jun 28, 2012, 09:25 AM
Jun 2012

...how it reads.

PB

Honeycombe8

(37,648 posts)
9. Honestly, I noticed you didn't answer the questions.
Thu Jun 28, 2012, 09:06 PM
Jun 2012

We are not talking about someone who can NOT afford ins., since the govt will SUBSIDIZE that. We're talking about someone who CAN afford coverage, but chooses not to, and yet, expects to get treatment. Who pays for that treatment? I do. You do. Other people who struggle to pay for their own insurance.

Again, we're not talking about aid for a poor person. We're talking about paying for the bills of a middle class person who CAN AFFORD but CHOOSES not to buy insurance but still expects to get treatment paid by others.

Honeycombe8

(37,648 posts)
8. You didn't answer the question: I'm just a working person. Why should I pay for YOUR health care...
Thu Jun 28, 2012, 09:03 PM
Jun 2012

when you can afford it...possibly afford it more easily than I can?

Also...if the person cannot afford $350 month for health care (s/he can get a good ins. plan for that amount...go to the link I provided....esp if s/he is under 50 years old and doesn't smoke)....THE GOVT WILL SUBSIDIZE THE COST.

So what we're talking about is someone who CAN afford $350/month.

Tennessee Gal

(6,160 posts)
3. Good responses. Thanks.
Thu Jun 28, 2012, 08:39 AM
Jun 2012

This was posted on Facebook.

I doubt I will respond there, but wanted a good response in the case of being confronted with this in person.

sinkingfeeling

(51,482 posts)
5. If you took the time to read the actual bill, you would know that it was set
Thu Jun 28, 2012, 09:21 AM
Jun 2012

up to subsidize the working people who can not afford health insurance on their own and it also expands Medicaid coverage to some who work. There is an online calculator that will show you what you and your spouse would have received. So turn off Fox News and learn something.

 

RC

(25,592 posts)
7. What too many do not seem to realize is that the insurance companies ARE the problem!
Thu Jun 28, 2012, 09:36 AM
Jun 2012

Stop talking about fixing anything involving private insurance companies! They are the problem with this countries health care. They need to be gotten rid of. Why does anyone think all those countries that went to Single Payer in the first place, outlawed health insurance companies from covering anything covered by that country's Single Payer system?
That is why the Mandate is bad. It guarantees private health insurance company profits with the force of federal law.
The best way is what EVERY OTHER civilized country and many not so civilized countries, has done decades ago. Government run Single Payer, Universal Health Care. The United States is the LAST hold out.

Everyone is covered. Employment or lack of same is no barrier. Change jobs? Still covered. Where you work goes bankrupt? Still covered. Want to start your own business? Still covered. Your kid wants to move out or reaches a certain age? Still covered.

The one and only answer to our health problems in this country is Single Payer, Universal Health Care. It he answer involves any health insurance company, that is not a workable answer.

So why is it so hard to go with the most obvious, the most humane course of action, which is what every other industrialized nation on the planet has already done? Single Payer, Universal Health Care. The hard work has already been done by these countries. All we have to do is cherry pick what works. What is so hard about that?
The United States pays twice as much for health care than any other country. See chart below
And yet 45,000 people a year are still dying for lack of access to basic health care. People are losing their homes, going deep into debt, going bankrupt for basic health care.

[center]How can we be the Greatest nation on earth,
if we can't/won't even take care of our own citizens?
[/center]
How is it the same people that do not have a problem with two three four five four and a half wars, that are costing us, US, $16.5 trillion so far, have a problem with health care reform that will save us billions?

[center]




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