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Part of "forcing" everyone to have health insurance (or to pay a tax if they choose to forgo) is a concession to the health industry.

Posted by: Paul2k on Jun 29, 19:27 in response to MontyBurnz's post Yes, my employer provides insurance. But why should...

Currently, health insurance companies can turn away people who want/need insurance on the grounds that they have a pre-existing condition. Why? Well, it's bad business for them. The companies would prefer to have healthy people who never use the doctor's services like your friends, so that the companies get paid the insurance premiums but never have to pay out for any medical care. Which, you know, great business model, but a lousy way to handle something that's supposed to be looking out for the health of humans, IMO.

Anyways, one of the provisions of the Affordable Care Act is to tell these companies that they can no longer reject people for pre-existing conditions. "Well, if we have to accept people with pre-existing conditions, that means we'll have to actually pay OUT for their services, and we'll be losing profits!" they scream. "Help us continue to make money!" One method for allowing them to "afford" to take on these pre-existing condition patients is by creating more customers, ie. forcing people to get health care or pay the tax/penalty. Generating millions more health insurance customers will help mitigate the onerous costs that the health insurance companies will take on with those dang pre-existing patients.

And, as Moviesnob points out, you can't plan for when you'll need medical attention. Are the people that you know who don't go to the doctor young-ish, or generally in good health? What happens if they get older and their bodies start to go south? What happens if they get in an accident, or go traveling and get some foreign disease? If they're covered by health insurance, great! They don't have to pay out the wazoo for treatment. And if they're not? Can they afford the thousands, tens of thousands, hundreds of thousands that medical care might cost them?

Usa Supreme court Require every american citizen must Health insurance mike255 Jun 29, 15:04

Horrible. It will be done through a tax which means we'll be paying. Why should I have to pay for other people to get health insurance? {nm} MontyBurnz Jun 29, 15:28

you do now; ever been to an ER at a county hospital? {nm} daveart Jun 29, 16:11

No no no...You do not get it. If you choose not to buy insurance, the penalty is higher taxes. If you have, or buy health insurance, in BUY StarBondFund Jun 29, 17:25

Yes, my employer provides insurance. But why should people be forced to pay for something they don't use? MontyBurnz Jun 29, 19:11

needing medical attention is not something you plan for {nm} Moviesnob Jun 29, 19:15

Part of "forcing" everyone to have health insurance (or to pay a tax if they choose to forgo) is a concession to the health industry. Paul2k Jun 29, 19:27

With more people on insurance, good luck getting into see a doctor when you need to. MontyBurnz Jun 29, 20:46

Also, it is going to allow the government to outlaw any food item they want, such as further regulation of sweet items soda, candy, etc. MontyBurnz Jun 29, 22:20

Movie theatres will go out of business when the products they sell in order to stay in business are outlawed because they're not healthy {nm} MontyBurnz Jun 29, 22:24

This will not/ can not happen (and I think you know that). PRodNano Jun 30, 10:06

Supply will always meet demand. If this is the case, it will create more jobs. {nm} PRodNano Jun 30, 09:58

Also, the bill also stipulates that doctors will start getting paid on how effectively they treat their patients, not by how many they see. PRodNano Jun 30, 10:08

There's a wrinkle in that supply/demand logic. You can't just churn out more doctors. It takes years and lots of money to create a doctor. Paul2k Jun 30, 10:48

Good points Paul. However, I was more refering to allowing more students into medical schools. I believe the amount that they let in PRodNano Jun 30, 12:31

This is true. In Canada, we have a hard time getting find a general practitioner. It's easier to go to a clinic. But specialists are elchan Jun 30, 14:32

In your life time, there's a high probability that you *will* use health insurance. Most likely you will need it when you are older elchan Jun 30, 07:53

I'm not disagreeing with the verdict, but the problem is, the court decided it wasnt a tax when it agreed to hear the case Moviesnob Jun 29, 19:17

basically, the court said its not a tax for purposes of the anti-injunction act, but is a tax that congress can levy it. pretty weird {nm} Moviesnob Jun 29, 19:23

I agree with universal health care. This is what separates us from animals. The social pact. elchan Jun 30, 07:57

+1 :) {nm} Jane_Citizen Jun 30, 14:20

For those who don't know what the bill is about and don't want to read all the literature, inside is the logic: PRodNano Jun 30, 10:12

Not sure that's any better than what we have now. Actually, sounds worse. Here's why... MontyBurnz Jun 30, 10:25

Medicaid/Medicare isn't going away with the ACA, so that local aid you got should stay in place. I'm not entirely sure on the workings of Paul2k Jun 30, 10:40

I didn't have MedicAid or Medicare. What I had was called Medical Assistance (MA). I believe it's different than those you mentioned. {nm} MontyBurnz Jun 30, 11:39

It's possible that Medical Assistance is just the local/state name for Medicaid. Medicaid is the federal name, but the funds from it are Paul2k Jun 30, 12:05

Does the new law require employers to offer health insurance to every employee, regardless of whether they're full or part time? {nm} MontyBurnz Jun 30, 12:25

Business with over 50 full-time employees must offer coverage to those employees or pay a fine. Not sure about part time. {nm} PRodNano Jun 30, 12:39

Is there a certain standard employer-offered insurance must meet that is part of the law? {nm} MontyBurnz Jun 30, 13:07

I'm not sure, but I assume it has to be at least as good as the coverage that the government offers. {nm} PRodNano Jun 30, 13:10

I played Russian roulette once and didn't get killed. Thus, banning Russian roulette games for people's safety is not logical? PRodNano Jun 30, 12:46

If it doesn't work for you, you probably make too much money yet don't have a job that offers health insurance, a pretty rare occurence. MontyBurnz Jun 30, 12:55

That's actually quite hilarious, because that doesn't describe any one of our situations :) {nm} PRodNano Jun 30, 13:03

i've worked four jobs in the past seven years that rendered me ineligble for Medicaid but did not offer health care benefits to me {nm} mickpix Jun 30, 13:58

More in depth (yet still bulleted) info on the bill PRodNano Jun 30, 12:38





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