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by VMI77
Fri Oct 04, 2013 1:00 pm
Forum: Off-Topic
Topic: Just Lost My Insurance
Replies: 122
Views: 20867

Re: Just Lost My Insurance

cb1000rider wrote:
MeMelYup wrote:CB1000 how is taxing the healthy to pay for the sick ethical?
Consider the alternative: We let the sick die because they can't afford to pay. Which way is more ethical?

For the sake of argument, let's say that we keep things the way that they are today as most people seem to like that idea. You have an accident and you can't afford a single life saving surgery, what happens? In most cases it gets paid for. Who pays for it? You and I do. We pay for it through taxes and we pay for it through ridiculous "non-negotiated" rates on health care expenses.

Obamacare changes that somewhat. It makes us pay up front to subside people who are sick and the people that can't afford it. On the basis of who is paying, nothing changes... We're just slightly more aware of what is going on.
Wow....so, because of decisions other people make, I have to expend my labor for their care and existence --making me, in essence, their slave? So, money should be taken from me at gunpoint and used to treat some gang banger that got shot in a drive-by? That's your idea of ethical? What you propose is not only evil, but counterproductive. There are a substantial number of human beings on this planet and in this country who are not going to work and make themselves afford things like medical care when they can get it for free. It's a law of the universe: when you pay for something you get more of it. When you pay people not to work you get more people not working.

You've totally bought into the notion that the government solves problems. There never has been such a government on this planet, and never will be. The government creates problems...and outside of a functioning justice system (which we no longer have), and a military to defend our borders (which it no longer does), that's all it does...create problems and make life worse for the majority, while enriching the elites who rule over us. That's all any government has ever done. Henry David Thoreau could already see it over 150 years ago:
This American government,—what is it but a tradition, though a recent one, endeavoring to transmit itself unimpaired to posterity, but each instant losing some of its integrity? It has not the vitality and force of a single living man; for a single man can bend it to his will. It is a sort of wooden gun to the people themselves. But it is not the less necessary for this; for the people must have some complicated machinery or other, and hear its din, to satisfy that idea of government which they have. Governments show thus how successfully men can be imposed on, even impose on themselves, for their own advantage. It is excellent, we all must allow. Yet this government never of itself furthered any enterprise, but by the alacrity with which it got out of its way. It does not keep the country free. It does not settle the West. It does not educate. The character inherent in the American people has done all that has been accomplished. For government is an expedient by which men would fain succeed in letting one another alone; and, as has been said, when it is most expedient, the governed are most left alone by it.
by VMI77
Fri Oct 04, 2013 12:30 pm
Forum: Off-Topic
Topic: Just Lost My Insurance
Replies: 122
Views: 20867

Re: Just Lost My Insurance

rotor wrote:It's not "insurance" if the rates are the same for everyone no matter what their condition. All real insurance is based on risk adjustment. You own an expensive car you pay a higher rate. You own a Yugo you pay a lower rate. You don't expect to pay the same for a $250,000 house versus the guy down the street with a $100,000 house. The ONLY way you can charge everyone the same rate is to overcharge everyone. So, the healthy individual is not rewarded for being healthy- he/she will be overcharged to make up for the 3 pack a day smoker down the block. And why buy insurance at all. Pay the stupid fine, when you get sick you buy insurance because they can't deny you and they can't charge you more. Everything is free- why worry- they will take care of you- your taxes will go down and you will have the same medical care that Obama gets. Sure!
Exactly. I just wish I could save on home and car insurance too by only buying it AFTER the fire or the accident. After all, if I buy insurance after my house burns down, it's a "per-existing condition."
by VMI77
Fri Oct 04, 2013 12:21 pm
Forum: Off-Topic
Topic: Just Lost My Insurance
Replies: 122
Views: 20867

Re: Just Lost My Insurance

cb1000rider wrote: I'm sorry if I'm on the slow side of the learning curve here. I'm certainly not out to bankrupt you or anyone else. Just hold your horses so I can run the numbers myself - for my situation - and I'll be 100% forthcoming about how they turn out. If it's a bad deal all the way around, I'll stand beside you, trust me....
So then, if you're good, tough luck for everyone else?
by VMI77
Fri Oct 04, 2013 12:17 pm
Forum: Off-Topic
Topic: Just Lost My Insurance
Replies: 122
Views: 20867

Re: Just Lost My Insurance

cb1000rider wrote:
Kythas wrote:My company just held a meeting in which we were just informed we are all going into the Obamacare exchange.
I'm curious - how big is your company? These exchanges are supposed to actually benefit in terms of bang/buck companies that have under 50 employees.

I take it that your employer will be providing you money to pay into the exchange?

No one likes the change here... How many of you have had increasing health insurance rates over the last 5 years? I'm not talking about just your portion (if your employer pays part of it) - I'm talking about total cost for the same coverage. Personally, I don't like Obamacare either, but if I'm honest, if I project what that cost will be to me and my family in the future before obamacare - assuming best case that I'm very healthy - it's a massive amount of money that the "average" joe isn't going to be able to afford.

I've heard that the health exchanges will take the cost of healthcare even higher. It's definitely forcing insurance on those who are otherwise healthy, which is, effectively, socialism...

I'm for tort reform. We could regulate the free market, but that's just as socialist...

*sigh*
It's basic arithmetic....a fixed supply of medical resources plus 30 or more million newly insured and not paying the full price, means prices have to rise for everyone else. And they will have to rise more than they would have otherwise.

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