Why is Health Insurance becoming Mandatory? What's the point?

MonkeyZazu (@monkeyzazu) 8 years, 1 month ago

I’m trying to better understand why health insurance is becoming required? I feel as though it would be a waste if you never go the hospital for anything. Say I pay $100 a month for health insurance, which comes to $1200 for the year. 5 years pass and I never go the hospital. So basically I paid the health insurance company $6000 for nothing? Another thing is what if you can afford your medical expenses? Maybe you go to the doctor once a year for a checkup that cost $50. If you had health insurance it would be cheaper, but you would be spending more money on the health insurance than the actual medical bill. That makes no sense to me.

I understand people who are constantly in and out of the hospital, but why make it mandatory when everyone isn’t like that?

I’ve heard arguments saying that its like car insurance, but its really not. Car insurance isn’t required of you by the federal government, but the by the state. There are one or two states where car insurance isn’t even required of drivers. Plus I think a person has a lot more control over their individual health than the things they encounter while their driving.

Any information on this topic would be helpful and appreciated. This webpage talks about the consequences if you don’t get health insurance in 2014: https://www.healthcare.gov/what-if-someone-doesnt-have-health-coverage-in-2014/

October 18, 2013 at 12:21 pm
Conner J. (1,558) (@connerj93) 8 years, 1 month ago ago

@monkeyzazu, We’re pretty much one of the only countries in the world that goes without universal healthcare. You say you don’t need insurance, but I assure you, you have no idea what could happen tomorrow or even later this day. I woke up one morning with my throat being closed shut by an infection and went to the hospital. . . without insurance it would’ve costed me thousands upon thousands of dollars. It’s necessary, especially when you’re old and dying my friend.

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MonkeyZazu (1,865)M (@monkeyzazu) 8 years, 1 month ago ago

@connerj93,

But thats another thing. You wouldn’t of been able to afford the medical bill so the health insurance helped out, but what if you couldn’t even afford the health insurance? The people who can’t afford health insurance might be the ones who need it the most ya kno. If they go to the hospital for an injury they’re kinda screwed.

I personally would much rather pay a global health insurance bill that helps everyone who needs it so that even the people who couldn’t afford individual health insurance could still get medical attention. I could understand if that was mandatory.

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Conner J. (1,558) (@connerj93) 8 years, 1 month ago ago

@monkeyzazu, I think global healthcare is coming along with global currency, a global country, and among other things. Read up on the law of Obamacare or the Affordable Health Care Act. . . those who are on medicaid will get help paying for it.

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TheSkaFish (962)M (@theskafish) 8 years, 1 month ago ago

@monkeyzazu, because the Insurance Mafia has its tendrils in Congress. I know, I am healthyish myself. I really resent having to pay an extra fucking bill when life is rough enough without it.

Now because of this I will have less money to spend on healthier food choices and fitness equipment. I will have less money to make responsible, healthy choices with my life, I will have less money to do preventative maintenance on my body. I’ll have to buy cheaper, less healthy items, I’ll have to spend more time at work which will stress me out/piss me off/wear me down mentally and physically. Making it more likely that I will have to go to the goddamn hospital. It really pisses me off.

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Josh (213) (@reinvented2012) 8 years, 1 month ago ago

@monkeyzazu, First i think $100 is on the light side if you dont get it through an employer. Second its bullshit to make it mandatory, but my thought is that if it werent then millions wouldnt get it like me and you. They need us healthy people to pay for the sick ones that go to McDonalds and smoke cigs and drink liquor all day. We need to take care of the people who dont give a shit about themselves. Now thats definitely a blanket statement I know but Im sure the people that actually need the care on a regular basis is much smaller than those of us that dont.


@connerj93
, yes we will need it when were sick and dying. Guess what death is a part of life. People are out there trying to live forever when their life choices didnt intend them to, or in for some maybe God didnt intend them to (if you believe in that). So these people are out here praising God saying hes the creator with all the answers, then when their number is called to go they dont want to. Well guess what thats what God wants so if you worship him your whole life you better go when he calls your number. That may have come out more doom and gloom than expected but its the truth.

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Ben (62) (@Mallorn) 8 years, 1 month ago ago

lol remember @reinvented2012, while some people certainly exacerbate their own conditions, many were dealt a simply terrible hand and suffer in pain. you say you’re sure that amount is smaller, with no evidence. And indeed, when those people get healthy, they come to your side and pay for the sick. Because as they were helped, so do they feel inclined to give it. The whole reason for healthcare is to make life just a little easier for all of us, because as you said, we’re all going to die. the essence of give and take in society.

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ROO (0) (@jdavey23) 8 years, 1 month ago ago

@monkeyzazu

While I agree whole heartedly that it is a bit of a nuisance to be forced to pay, keep in mind that no one can predict the future and all it takes is one accident, and then who will save you? I go along with your global healthcare idea in that I would be willing to pay a bit extra a month for those who can’t afford it to have that ability to see a doctor. I believe that is one of my duties as a human who has been blessed thus far with good health and great opportunities.


@theskafish

From what it seems, we have similar lifestyles. I go to a gym to workout before work and try to eat healthy throughout the day and will do most of my shopping at whole foods. However, my opinion on this is that we never know what can happen tomorrow. I am in great shape physically, yet something could change and alter my life tomorrow and I need to be ready for that. I also think it’s good to note that a lot of Obamacare, which is the same exact thing as the Affordable Care Act, won’t add a heavy burden financially on what you are already paying for simple healthcare.

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TheSkaFish (962)M (@theskafish) 8 years, 1 month ago ago

@jdavey23, when i was working last, it was like $20 out of every paycheck. This will be like $100 a month…if I can’t get coverage through a job, then it will have to come from somewhere – food which will negatively affect my physical health and then mental, enjoyment or savings which will affect my mental health and eventually my physical as well. I see what you mean, we don’t know what the future could bring. But when you are making less than $1K per week, an additional bill of $100 is really bad. At that point, you can pretty much forget about having any kind of fun at all, investing in anything, going back to school or any kind of paid lesson , or saving. You can forget about buying anything other than gas and food. You are just screwed, a slave in all but name. How do you get out of the gutter then? You can’t go to school. You can’t get a better-paying job, if there is nothing you are qualified for. You don’t have money to invest in your own skills or in any business you may think of. Obama seems to be doing a fine job of making sure those who are poor, stay poor.

Idk. I feel that at the end of the day, all Obamacare will do is fuck over the healthy people who are working but who can’t buy insurance through work – in other words, people who couldn’t afford to go to the doctor anyway, who now will have to cut back on preventative maintenance which helped keep them out of the doctor’s office in the first place. Then these people won’t be able to buy anything but the bare essentials, slowing economic growth and prolonging the recession.

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Ben (62) (@Mallorn) 8 years, 1 month ago ago

the problem is situations like @theskafish, for every person who can now begin treatment for a serious condition, someone like you has to pay more than 300% than what they were.

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Anonymous (46) (@) 8 years, 1 month ago ago

@monkeyzazu, i understand your point of view, but as a european we don;t really understand your american point of view. We are a community, take care of eachother, the weak the bold the bad, no matter who, we take care of each other.

A health insurance is something you might not need now, but remember that 1 moment you whished you had one. It is about the insuarance, making sure nobody falls and everybody takes care of each other, it is a global community that should be inspired with these thoughts.

Why not,- the purpose of a state is to care, nothing more nothing less, so if you have a country where people create enormous debth, do not take care of each other, think about the most powerfull should rule, is it not the most powerfull thing in the world for a power person to say,- ok,- everybody should be insured. Cause he cares!! it is abouth caring..

Republicans about the money, well if the world is run by republicans 50% of the world population which it is though cannot provide, not find that they need to provide.. A society should be based on caring,- this is a small step for a world change… I salute this idea and think this is necessary for a country overrun with itself and there illusion to save the world, save yourself first, this is a good idea that americans should embrace and for once look outside there borders, be kind, be a light, be a hero ..

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TheSkaFish (962)M (@theskafish) 8 years, 1 month ago ago

@mallorn, I guess, but the thing is, I’m poor. I don’t have anything to give. I’m educated but I can’t afford to go back and get more qualifications. I’d love to develop talent that can command a high price but that takes time. I’m trying to figure out how to take care of myself, let alone actually enjoy this one life I’ve got, cause I can’t even do that yet – and now I’m forced at gunpoint to take care of others. It’s so nerve-y. That’s what pisses me off. This isn’t charity, it’s a fucking shakedown. The slimebag insurance companies now have free reign to use the government’s muscle to essentially rob people who are already struggling. They love this….they, like car insurance companies, now have a huge captive customer base. Shooting fish in a barrel.

Who the hell will save people like me who will now need saving, when these government SOB’s block off every way people can save themselves that they find? No one, that’s who.

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TheSkaFish (962)M (@theskafish) 8 years, 1 month ago ago

@spiraltouch, this won’t make America any more of a community though. Giving lots of people another bill, who don’t have it to give in the first place, is going to make them even poorer. It’s not going to be where everyone helps each other out, if you can’t take care of yourself in the US and you don’t know anyone who can help you out, you’re screwed, simple as that. This is only going to make that problem that much worse.

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Anonymous (46) (@) 8 years, 1 month ago ago

@theskafish, i see your point again, but try to stand still for a moment. Sure at this moment it is extra money that needs to be paid. But a next generation will grow acustomed to such ideas and will incorperate in there minds. As i have from the age of 18,- it is not solution i’m not saying that, sure the best thing should be a fund that can provide but these things need to be build first. It is up to a government to be honest in such matters, but def. it is a step in a direction that is nescesary in coming years.

I reckon people should think about the idea,- not for themselves but for the childeren, grandchilderen… allow it to grow.

I can say from experience that i’m happy with a mandatory health insurance, I have never needed to use it for almost 8 years, and then i got struck by lightening and sure without health insurance i was not writing these sentences.

I agree with points where you mention the greedy corporates, but leave that idea for a moment, sure they are bad, people that become greedy are bad, it is simple as that. But soley the idea can grow for years to come and eventually i truly believe it benefits a society.

in europe we have boxes of health insurance, meaning that if you earn a certain amount of money you pay a sum and when you earn more you pay more. BUt as long as everybode is saved should be a start point with a nation screaming in god we trust… ;-)

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Linds (71) (@linds) 8 years, 1 month ago ago

@monkeyzazu – The point is so that the government can be in control. They want us to depend on them.

For everyone: http://www.youtube.com/watch?v=IsVqOe07cdY

@spiraltouch , how is it fair that “if you earn a certain amount of money you pay a sum and when you earn more you pay more” HOW is that fair? lol

I’m a middle-class American, I live simple, I don’t have the latest phone, I grow most of my own fruits and veggies, I do things for myself, etc., etc. and if my next door neighbor was like “hey, I’m having a tough time financially and I can’t afford my health insurance.” Yes, I would do whatever I could to help them but I do not like the idea that I will basically be paying my hard earned money into a system that helps people I don’t even know (and a consensus would say the majority of these people are lazyf*cks sitting on their couch collecting welfare checks) when I could be helping my own family, friends, and community that are struggling. I also don’t agree that just because someone is wealthy and makes well over 50% of what most American’s make that they should have to share their cash. That’s ridiculous. Here is another issue: http://poorrichardsnews.com/post/64309797136/obamacare-levies-fines-on-non-profit-hospitals-that

EDIT** I don’t mind paying extra taxes to help others get medical care but since I work and do my own thing, I should be given the opportunity to choose my own insurance. Not be forced to have terrible healthcare. If you want to know what your “obamacare” healthcare will be like ask a US Veteran that goes to the VA.

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Conner J. (1,558) (@connerj93) 8 years, 1 month ago ago

@reinvented2012, wait, you mean I have to die. . .? WHEN THE FUCK DID THAT COME A FACT? Oh let me see, when I was old enough to understand the world D: I’d rather die in a ditch in the forest alone and cold than laying in an uncomfortable hospital cot where people around could give a fuck if I live or die and my family weeping by my side creating undeniable attachment upon my psyche, and fucking up my whole death journey. Sorry Im high.

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Anonymous (134) (@) 8 years, 1 month ago ago

@linds, “when you earn more, you pay more” How does that not make sense? If you earn more you can afford to pay more. If you earn less, your tax is less. It keeps the system functioning. It makes me so frustrated to see people getting mad at those receiving welfare. I don’t know about you, but I fucking love that I live in a country where if I need help, I know I have help accessible. It’s so fucking privileged to look down on those who have put up their hand and admitted that they’re having a hard time getting by. I don’t mind paying nearly a third of my pay in order to ensure a basic living standard for those in my country with me and to know that if I need it one day the government is in a position to help me out. If you’re able to help, why wouldn’t you… This essentially is the huge difference between America and the rest of the developed world. Americans tend to have the “each man for himself” mind-set and the results kinda speak for themselves.

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TheSkaFish (962)M (@theskafish) 8 years, 1 month ago ago

@spiraltouch, “in europe we have boxes of health insurance, meaning that if you earn a certain amount of money you pay a sum and when you earn more you pay more. ”

That’s more fair than what Obamacare would be, I will give you that. The thing I hate about Obamacare though is that it seems like if you’re already poor, this will only make sure you stay poor. Paying $100 out of a $1000 bi weekly check is a real kick in the balls – it’s not like rent, food, utilities, and taxes are going anywhere. Between all that, you pretty much can’t save if you make less than $40K/year, or unless you live so painfully frugal that existence isn’t enjoyable at all. And if you can’t save or invest, you can’t really improve your life situation. You’re stuck being poor.

I wouldn’t mind giving if I had it to give. But I really don’t, and this is going to make it that much harder for me to climb out of poverty. It’s not a greed thing for me or hating those on welfare, it’s just that I really don’t want to go through the rest of my years, especially my young healthy years, being poor – cause being poor means being pissed off 24/7, 365 days a year.

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YHVH (462) (@spaceghost) 8 years, 1 month ago ago

I will not be paying for it or the fine. It won’t come to that anyway. While I’m declaring things, I will die before I get a chip willingly implanted in me.

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Linds (71) (@linds) 8 years, 1 month ago ago

@francina I’m not saying I’m not willing to help those in need but in MY experience, THE PEOPLE I KNOW that are on welfare are LAZY. They are on welfare because they don’t WANT a job, they find ways around the system and THAT is what makes me mad. I agree, if people who really do need the extra help, great. No problem, I would love to help and give you my every last penny but if you have the newest phone and drive a escalade, no I’m sorry that’s not right. AND YES those people are out there.

The way I understand it is like this… Say you and I both live in the same apartment complex. We both live in a 2 bedroom and say the rent is $900 but you make 80K and I make 50K in what dimension does it make sense that just because you make 30K more than me that your rent should be more??? Help me understand how you see it. I don’t see why the person that makes more money should have to pay more just because they have a better job than their next door neighbor… Just because someone can afford something doesn’t mean they should have to give it up to the “affordable healthcare act”… Maybe I want to give my extra money to a women’s shelter or buy school supplies for kids. What’s wrong with that?

Here I am paying my taxes and doing everything the government wants me to do and little johnny next door gets to sit on his ass, watching premium cable while I’m at work! He at least should have to put in volunteer hours or something that will benefit the community/society! Sorry, sitting at home watching TV is NOT doing anything for anyone.

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TheSkaFish (962)M (@theskafish) 8 years, 1 month ago ago

Welp, guess I better get a full-time job by January, because if I’m working a job just to give everything I make to the fucking insurance companies I will be madder than hell. I seriously might burst a blood vessel. Just thinking about this….laksjd;flajskl;df

Someone needs to tell this to Obama.

“What you’re hired for, is to help us. Does that seem clear to you? To HELP us, NOT to fuck us up!”

http://youtu.be/GbcfyLfPdlc

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Adam (118) (@moonglade) 8 years, 1 month ago ago

@theskafish, Obama’s trying to help you by making sure that when you get sick or a relative of yours gets sick that he or she don’t have to pay a fortune to get better. I live in Canada where healthcare is universal and it works wonderfully in our country. I feel that it is a necessary that at the very least your government can keep you healthy. Honestly the whole fight against Obamacare is baffling to us Canadians. Taxes are not a new thing and as it stands Americans barely pay any compared to other of the countries. Just let it happen your health and the health of your family is a worthwhile investment plus the economy will adapt.

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TheSkaFish (962)M (@theskafish) 8 years, 1 month ago ago

@moonglade, probably because most Americans can’t afford any more taxes. With this extra expense that’s going to be forced on people who are already weak, I just don’t see how those of us who can’t buy coverage through work will be able to pull ourselves out of poverty. You can’t invest in anything, take any more schooling or training, learn a hobby or skill from a teacher (unless you are able to find one who will teach you for free) or even gamble if you don’t have any money to do anything with. What can you do when you can’t go back to school and can’t teach yourself anything because you don’t have access to anyone with expert knowledge? Join the army and kiss all your dreams for your life goodbye? Even if you survive, by the time you’re able to afford to get out you’ll be an old, broken-down husk of a person, too old to start living the life you wanted. Become a drug dealer and risk death or prison, daily? Marry rich and possibly never have a real love life? I mean, when you’re down to the point where it costs you at least as much as you make just to exist, what can you even do?

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JonH (1,139)C (@IJesusChrist) 8 years, 1 month ago ago

It is of the belief that universal healthcare trickles down to a happier more productive society.

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JonH (1,139)C (@IJesusChrist) 8 years, 1 month ago ago

@theskafish, You act as if this is going to cost an arm and a leg… lol

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TheSkaFish (962)M (@theskafish) 8 years, 1 month ago ago

@ijesuschrist, it will, on top of everything else. Your average person already has to deal with rent, food, utilities, car insurance, car maintenance, gas, cell phone bill, and last but not least, taxes. And that’s with no children. How can one get out from under all that shit? You could ditch the car, but you’re really hurting yourself by sacrificing your independence and a significant chunk of your free time traveling by slow-ass public transportation. How is it even possible, barring waking up tomorrow morning with the idea for the next Microsoft or Facebook? Now it’s one more thing on top of it all. Before I die, I’d like to feel that life is awesome again. This is one more thing that says it ain’t gonna happen.

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