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    Theoretical Question

    If there is no government mandate to have health care insurance, and insurers can not deny coverage for pre-existing conditions, why should anyone pay for health care insurance until you actually need health care services?

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    Re: Theoretical Question

    Quote Originally Posted by Guisslapp View Post
    If there is no government mandate to have health care insurance, and insurers can not deny coverage for pre-existing conditions, why should anyone pay for health care insurance until you actually need health care services?
    First of all Obamacare is not "insurance". If the government mandates a person to have it, it is just another government program.

    Many healthy people were not buying Obamacare due to the premiums. They chose instead to pay the fine which was very easy to be exempted from.

    This program was a failure in year one. Hillary was supposed to have "single pay" in place by now.

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    Re: Theoretical Question

    Ok, but I don’t think you answered my question. Why should I pay for it now?

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    Re: Theoretical Question

    Quote Originally Posted by Guisslapp View Post
    Ok, but I don’t think you answered my question. Why should I pay for it now?
    I would not pay for it. I never sold or attempted to sell one to any person at any income level.

    People at some income levels are able to get the government subsidy that offsets the premiums. For the most part, a family of four making over $60K/yr has a premium well over $2K per month. Obviously that it not affordable and was never intended to be.

    You either should not pay or chances are good you can't afford to pay.

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    Re: Theoretical Question

    Cause if I don’t have to worry about health care coverage, I am also questioning whether I also really need to keep a job.

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    Re: Theoretical Question

    Quote Originally Posted by Guisslapp View Post
    Cause if I don’t have to worry about health care coverage, I am also questioning whether I also really need to keep a job.
    Having group coverage through employment has always been considered a benefit. Now it is considered a luxury.

    Before Obamacare people had options if they could not afford individual full coverage. In an attempt to work toward a single pay system, Obamacare took away those options.

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    Re: Theoretical Question

    Quote Originally Posted by PawDawg View Post
    Having group coverage through employment has always been considered a benefit. Now it is considered a luxury.

    Before Obamacare people had options if they could not afford individual full coverage. In an attempt to work toward a single pay system, Obamacare took away those options.
    Having a job is a drag, not a luxury.

    Being able to get subsidized health care only when you need it sounds like a nice government benefit.

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    Re: Theoretical Question

    I think HC providers, such as hospitals and even ERs, should deny services to anyone who can't pay for it. Period. Then, you either have HC insurance, or some other means, or you die. This will eliminate the freeloaders who seem....according to everyone.....to be the cause of our problems.

    That's all we've heard for decades, I guess really forever! That without mandated HC insurance the system gets swamped and WE ALL END UP PAYING FOR IT. Right? Hasn't that been the drum beat? Well, no more free services. Now, NONE of us end up paying for it. I suppose those who have been causing this national crisis will simply die and go away. No more HC problems!

    Then....you have these over-priced HC providers with their $60 Tylenol and some bimbo who charges $600 to show some sap how to use crutches, and procedures that "cost" $120,000 but miraculously gets covered if the insurance company pays $3,200 and the patient pays $100 co-payment, upon which the very financial existence of the facility wholly depends!!!

    It is all BULLSHIT!

    But nothing a true free market can't fix......

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    Re: Theoretical Question

    i think i'm with guisslapp on this one (except for the ridiculous "why should i get a job" part). if you only got rid of the individual mandate, you didn't fix anything -- you just made it harder to pay for a system that was already unsustainable. we need to change the way health insurance is done.

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    Re: Theoretical Question

    But nothing a true free market can't fix......

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    Re: Theoretical Question

    Quote Originally Posted by arkansasbob View Post
    i think i'm with guisslapp on this one (except for the ridiculous "why should i get a job" part). if you only got rid of the individual mandate, you didn't fix anything -- you just made it harder to pay for a system that was already unsustainable. we need to change the way health insurance is done.
    I am asking the question in earnest because I am evaluating my options.

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    Re: Theoretical Question

    Quote Originally Posted by dawg80 View Post
    But nothing a true free market can't fix......
    Which is why I have come around to accepting a universal system - a Medicare for all. It goes against my political idealogy, but it seems like the most straight forward pragmatic solution when we as a society have already decided that we are unwilling for people to go untreated because of inability to pay or due to pre-existing conditions.

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    Re: Theoretical Question

    Quote Originally Posted by Guisslapp View Post
    Which is why I have come around to accepting a universal system - a Medicare for all. It goes against my political idealogy, but it seems like the most straight forward pragmatic solution when we as a society have already decided that we are unwilling for people to go untreated because of inability to pay or due to pre-existing conditions.
    You? A proponent of a universal health care system? Who'd have ever thought that? By the way, another name for it is SOCIALISM.

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    Re: Theoretical Question

    Quote Originally Posted by brtransplant View Post
    You? A proponent of a universal health care system? Who'd have ever thought that? By the way, another name for it is SOCIALISM.
    Are public roads socialism? What about the US Armed forces?

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    Re: Theoretical Question

    Quote Originally Posted by arkansasbob View Post
    i think i'm with guisslapp on this one (except for the ridiculous "why should i get a job" part). if you only got rid of the individual mandate, you didn't fix anything -- you just made it harder to pay for a system that was already unsustainable. we need to change the way health insurance is done.
    The individual mandate has NOTHING to do with the success or failure of Obamacare. It did not get harder to pay for. That is a socialist-liberal talking point that you've gone sheeple on. Getting rid of the mandate was another unconstitutional part of Obamacare that, if important to success/failure, would have been part of the legislation.

    Quote Originally Posted by Guisslapp View Post
    I am asking the question in earnest because I am evaluating my options.
    I told you in another thread what your next option is if you decided to become self employed.

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