More Obamacare fuckups

[Warriorbird]

His point was "pay the bill when it happens." How is that being provocative?

Yes, insurance is (typically) a great thing to have. You pay a little in each month and won't get slapped with a huge bill when you need it.

But if you're young chances are you won't need medical attention for a few years, possible even a decade or longer. It that sense it could make more sense to not pay for insurance and if you do need to see a doctor pay for the visit with your own money. I've done this before in the past.

Heck I even shelled at almost 2000 dollars to have one of those fancy xrays done. CT scan? I dunno. It was expensive though but considering I didn't need any other medical care for several years afterwards I actually saved money by not having insurance.

It's not about your lame "stop reform now" anecdotes. It's about the ones that bankrupt people.

[Johnny Five]

His point was "pay the bill when it happens." How is that being provocative?

Yes, insurance is (typically) a great thing to have. You pay a little in each month and won't get slapped with a huge bill when you need it.

But if you're young chances are you won't need medical attention for a few years, possible even a decade or longer. It that sense it could make more sense to not pay for insurance and if you do need to see a doctor pay for the visit with your own money. I've done this before in the past.

Heck I even shelled at almost 2000 dollars to have one of those fancy xrays done. CT scan? I dunno. It was expensive though but considering I didn't need any other medical care for several years afterwards I actually saved money by not having insurance.

Exactly, I paid for the service when I needed it. If I would have been paying the 200 dollars a month for those ten years I would have spent 24000 dollars for the one 188 dollar doctor visit. I saved myself 23,812 dollars over those ten years by not having insurance.

[Tgo01]

It's not about your lame "stop reform now" anecdotes. It's about the ones that bankrupt people.

Are we really going over this bankrupt thing again? Didn't we already establish that most people who file bankruptcy for medical reasons have insurance?

[cwolff]

Are we really going over this bankrupt thing again? Didn't we already establish that most people who file bankruptcy for medical reasons have insurance?

Quality of coverage is also a factor. That's why all those stories "I'M LOSING MY HEALTH PLAN!" weren't telling the whole picture. You're right though. ACA is no guarantee that the uncovered portion gets paid. It will improve collection of payment though.

"A lot of Americans are struggling with medical bills," said NerdWallet Health Vice President Christina LaMontagne.

NerdWallet estimates that households containing 1.7 million people will file for bankruptcy protection this year.

Even outside of bankruptcy, about 56 million adults—more than 20 percent of the population between the ages of 19 and 64—will still struggle with health-care-related bills this year, according to NerdWallet Health.

And if you think only Americans without health insurance face financial troubles, think again. NerdWallet estimates nearly 10 million adults with year-round health-insurance coverage will still accumulate medical bills that they can't pay off this year.
High-deductible insurance plans requiring consumers to pay more out-of-pocket costs are a challenge for many households.

[Johnny Five]

Medical bills ain't shit. Now student loans, they are evil as shit. You can send the hospital 20 bucks a month if you want for good faith payments. Try doing that shit with a student loan.

[Suppa Hobbit Mage]

Medical bills ain't shit. Now student loans, they are evil as shit. You can send the hospital 20 bucks a month if you want for good faith payments. Try doing that shit with a student loan.

Who's fault is it for having a student loan? I have no sympathy at all for graduates with a mountain of debt. Get a fucking job and pay it down.

[Warriorbird]

Are we really going over this bankrupt thing again? Didn't we already establish that most people who file bankruptcy for medical reasons have insurance?

So why exactly do you not want anything to ever improve? I'm far more curious about that.

[Tgo01]

So why exactly do you not want anything to ever improve? I'm far more curious about that.

Where did I say I didn't ever want anything to improve?

Please cite me examples of where I said that before we proceed with any back and forth.

[Atlanteax]

Why can we not allow people the *choice* of forgoing insurance, and paying it when the occasion presents itself, as Johnny-Five has outlined?

In the meantime, why can we not allow people, *who made said choice*, but are unable to afford the requisite healthcare because of no insurance, to die from being ill/sick?

It is the fixation on "life is precious" that has gotten us into this problem of skyrocketing healthcare costs.

When we reach the point with our dogs/cats/etc becoming too old and/or prone to poor health, we let them go ("it costs too much for little improvement" & "poor quality of life" being prevalent reasons in doing so).

We need to embrace the same approach with humanity.

[cwolff]

Why can we not allow people the *choice* of forgoing insurance, and paying it when the occasion presents itself, as Johnny-Five has outlined?

In the meantime, why can we not allow people, *who made said choice*, but are unable to afford the requisite healthcare because of no insurance, to die from being ill/sick?

It is the fixation on "life is precious" that has gotten us into this problem of skyrocketing healthcare costs.

When we reach the point with our dogs/cats/etc becoming too old and/or prone to poor health, we let them go ("it costs too much for little improvement" & "poor quality of life" being prevalent reasons in doing so).

We need to embrace the same approach with humanity.

Hey, It worked in Logan's Run right?

Seriously though, you are not the only person here who has expressed this desire. I encourage you to push this agenda and try to get it as a part of the next election. Until you guys get the country to the point that we're willing to let folks die in the streets you're never going to win this argument. On a side note; this will create a great opportunity for us to have our own American version of Mother Theresa!