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Old 05-01-2013, 11:03 AM   #26
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If I was single and had no children, I would.
That doesn't change all that much. Pocket the 10k a year. Before anything serious happens, you'll likely have enough to cover a more serious condition for awhile until the wonder of after-the-fact insurance (formerly known as financing) kicks in.

If nothing serious happens, you keep your money. Later on if there's some risk or complication on the horizon, you can always add coverage whenever you want, padded by the 10's of thousands you likely saved.
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Old 05-01-2013, 11:12 AM   #27
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Itís a giant shiate sandwich that everyone is going to have to eat and learn to like, but not the lawmakers and their staff, they said Iím not going to take a bite of that thing.
It's a giant shiate sammich that half the country doesn't even really know anything about yet. The idea that they're going to get a huge block of those people to happily hop through a bunch of complicated paperwork without serious upheaval in the next 6 months is hilarious. Almost as hilarious as thinking the Federal Leviathan is going to be ready to do something with all that paperwork.

In reality a ginormous chunk of people will just do nothing. And won't ever worry about any of it until they need a hospital, at which point they'll buy "insurance." When this happens en masse, that's when things get really really fugly.
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Old 05-01-2013, 11:40 AM   #28
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That doesn't change all that much. Pocket the 10k a year. Before anything serious happens, you'll likely have enough to cover a more serious condition for awhile until the wonder of after-the-fact insurance (formerly known as financing) kicks in.

If nothing serious happens, you keep your money. Later on if there's some risk or complication on the horizon, you can always add coverage whenever you want, padded by the 10's of thousands you likely saved.
I had one son go to the ER last year. It was all of two hours. There goes the ten grand. I work at a hospital. One good heart attack is worth about a quarter million. Save that up.
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Old 05-01-2013, 12:45 PM   #29
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I had one son go to the ER last year. It was all of two hours. There goes the ten grand. I work at a hospital. One good heart attack is worth about a quarter million. Save that up.
Very true but try telling young healthy people that they will be required by law to purchase a healthcare plan and tell them they might need give up their iPhone to help cover the expense......... which one do you think they will choose, healthcare or iPhone?
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Old 05-01-2013, 01:04 PM   #30
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Very true but try telling young healthy people that they will be required by law to purchase a healthcare plan and tell them they might need give up their iPhone to help cover the expense......... which one do you think they will choose, healthcare or iPhone?
That's one reason I prefer the idea of Medicare for everybody. Everybody chips in, and everybody is covered.
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Old 05-01-2013, 01:54 PM   #31
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I had one son go to the ER last year. It was all of two hours. There goes the ten grand. I work at a hospital. One good heart attack is worth about a quarter million. Save that up.
Wow. I've been to the ER with kids/family probably 5 or 6 times over the last decade. I doubt it all-together totaled $10,000. I'm not sure how you could possibly spend that in 2 hours, unless you popped in for some emergency chemo or something.

Oh, and on the heart attack...



Not saying there couldn't be some longer term costs as well. But that's where your preexisting condition get-out-of-jail-free card comes in to play.

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Old 05-01-2013, 02:52 PM   #32
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Oh, and on the heart attack...



Not saying there couldn't be some longer term costs as well. But that's where your preexisting condition get-out-of-jail-free card comes in to play.
Trust me on this one because I've been there seen it and done it ............

According to an article from the National Business Group on Health, the average total cost of a severe heart attack--including direct and indirect costs--is about $1 million. Direct costs include charges for hospitals, doctors and prescription drugs, while the indirect costs include lost productivity and time away from work. The average cost of a less severe heart attack is about $760,000. Amortized over 20 years, that's $50,000 per year for a severe heart attack and $38,000 per year for a less severe heart attack.

Under Obama care if you are diagnose with cancer or some other long term illness you will be able to go out and buy coverage but if you have a heart attack you can't buy retroactive healthcare coverage......... It will be a total cluster f......
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Old 05-01-2013, 03:33 PM   #33
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Trust me on this one because I've been there seen it and done it ............

According to an article from the National Business Group on Health, the average total cost of a severe heart attack--including direct and indirect costs--is about $1 million. Direct costs include charges for hospitals, doctors and prescription drugs, while the indirect costs include lost productivity and time away from work. The average cost of a less severe heart attack is about $760,000. Amortized over 20 years, that's $50,000 per year for a severe heart attack and $38,000 per year for a less severe heart attack.

Under Obama care if you are diagnose with cancer or some other long term illness you will be able to go out and buy coverage but if you have a heart attack you can't buy retroactive healthcare coverage......... It will be a total cluster f......
You can't count indirect costs at all though. No health coverage is ever going to help you with lost wages or productivity.
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Old 05-01-2013, 04:53 PM   #34
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That's one reason I prefer the idea of Medicare for everybody. Everybody chips in, and everybody is covered.
...and everybody will be miserable.

This is all you need to know about Obamacare -

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Old 05-01-2013, 05:14 PM   #35
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That's one reason I prefer the idea of Medicare for everybody. Everybody chips in, and everybody is covered.

so when the government is in complete control of your health insurance, what are you going to do when they have to make cuts to balance the budget?

When you make something part of the government budget it not only has the potential to cause out of control spending, it can also be cut to reduce spending because sooner or later you run out of other people's money.
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Old 05-01-2013, 05:53 PM   #36
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You're afraid of government involvement in health care, but perfectly fine with corporate involvement?


what's is this -

If corporations or insurance companies are in charge of our healthcare, we have choices to go elsewhere or not buy it at all.......but when the government is in charge of it, you'll have nowhere else to go for it.....remember, they fine you if you're not on it, and basically make you get on it....or else.


But don't take my word for it....like Nancy Pelosi said "You have to pass the bill to find out what's in it..."
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Old 05-01-2013, 06:34 PM   #37
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what's is this -

If corporations or insurance companies are in charge of our healthcare, we have choices to go elsewhere or not buy it at all.......but when the government is in charge of it, you'll have nowhere else to go for it.....remember, they fine you if you're not on it, and basically make you get on it....or else.


But don't take my word for it....like Nancy Pelosi said "You have to pass the bill to find out what's in it..."
And when someone chooses not to buy health insurance then gets sick, they get treatment and can't pay for it. Who pays for that treatment? It sure as **** isn't the person who decided not to buy insurance.

How is that a good system?
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Old 05-01-2013, 07:13 PM   #38
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And when someone chooses not to buy health insurance then gets sick, they get treatment and can't pay for it. Who pays for that treatment? It sure as **** isn't the person who decided not to buy insurance.

How is that a good system?

Typical liberal thinking...."too many people can't afford health insurance....so to solve it, we'll make everyone buy health insurance"


Feel free to sign up for it clown.....thanks to your government you now don't have a choice of whether or not you buy it.....buy it or get fined for not buying it.

this is the condensed version....

http://waysandmeans.house.gov/upload...s_1_031313.pdf

Now tell me how lower income people are going to be able to afford the accountant to fill this bull**** out?

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Old 05-01-2013, 08:08 PM   #39
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There is concern in some quarters that the provision requiring lawmakers and staffers to join the exchanges, if it isnít revised, could lead to a ďbrain drainĒ on Capitol Hill, as several sources close to the talks put it.
promise??
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Old 05-01-2013, 08:18 PM   #40
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Old 05-01-2013, 08:49 PM   #41
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Getting exemptions from Obamacare will be the new backroom deal in DC now!
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Old 05-02-2013, 01:19 AM   #42
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You don't feel its a bad sign that when the persons who designed the law don't want them, their families, or the people who work for them to be on the plan? That is a huge huge red flag right there don't you think.

Also for the first time i heard a first hand account of Obamacare costing a friend hours. A person I know who is an xray tech was just told they are retiring one machine but not buying a new one. Why? Because they would have to pay 3% tax on it and they crunched the numbers. They will save more by cutting 2 xray techs to 20 hours a week and just scheduling less patients a day. Obamacare destroys productvity.
That 3% tax is a direct result of the ACA? It didn't exist before the ACA was passed?
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Old 05-02-2013, 01:25 AM   #43
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Under Obama care if you are diagnose with cancer or some other long term illness you will be able to go out and buy coverage but if you have a heart attack you can't buy retroactive healthcare coverage......... It will be a total cluster f......
Can you buy retroactive coverage now? Do the republicans have a plan that allows you to buy retroactive coverage?

What a ridiculous argument.
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Old 05-02-2013, 01:30 AM   #44
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Feel free to sign up for it clown.....thanks to your government you now don't have a choice of whether or not you buy it.....buy it or get fined for not buying it.
Good. You need to wake up and smell the coffee. We already have universal health care. Everybody uses the hospital whether they have insurance or not.

The way to prevent the rest of us for paying for the treatment of the uninsured is to mandate everybody to have insurance.
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Old 05-02-2013, 12:30 PM   #45
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I've said it before, and will again: Treating health care as an "insurable" thing is the root of the crazy of the system.
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Old 05-02-2013, 12:42 PM   #46
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My more Conservative friends and collegues are already blaming the Afforable Care Act for problems that exist before it is implemented.

Waiting for a Specilist? I ask them if the ACA that created that problem.... they always say hell yes, that is what socialist medicine is all about!!!

... I am up for a debate about the ACA as much as anybody, but this just makes them look bad....
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Old 05-02-2013, 12:46 PM   #47
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I've said it before, and will again: Treating health care as an "insurable" thing is the root of the crazy of the system.
Its interesting, we like to make the parrallel comparison to Auto Insurance.... but when was the last time AllState paid for your tires, breaks, oil changes, timing belt, heck even transmission... right, ther never have.

Take the Insurer OUT of the system until people hit big time health issues and injuries.

Some people will pay for an annual exam, some won't. Just like some people will change the oil every 5K, other haven't since they bought the car 36 months ago... lets leave it up to the individual how much they want and how important it is to them...
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Old 05-02-2013, 12:51 PM   #48
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Typical liberal thinking...."too many people can't afford health insurance....so to solve it, we'll make everyone buy health insurance"


Feel free to sign up for it clown.....thanks to your government you now don't have a choice of whether or not you buy it.....buy it or get fined for not buying it.

this is the condensed version....

http://waysandmeans.house.gov/upload...s_1_031313.pdf

Now tell me how lower income people are going to be able to afford the accountant to fill this bull**** out?
Your premise is incorrent. Most people can't qualify for health insurance no matter what they pay, the ACA creates provision to get those peple insured.

And you know darn well those who pound they're chest about not buying/ needing insurance are the first signing up for free care when cancer is eating their pancreas.... the notion that people would skip health insurance and decide to die if they got sick is a sliver's sliver of Americans... most just don't want to pay for anything but then feel entitled to it when they get sick.
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Old 05-02-2013, 12:56 PM   #49
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That's one reason I prefer the idea of Medicare for everybody. Everybody chips in, and everybody is covered.
Medicare as a National Risk Pool, Deductibles for everybody, and HSA for everyone. Take the extra 16% saving of Medicare over Private Carriers and bank it in the risk pool of credit it back to people's HSA's that are in need. Let hospital's finally devise a pricing schedule that is in line with actual cost, and require that they publish the cost of any test on their website.
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Old 05-02-2013, 12:57 PM   #50
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Its interesting, we like to make the parrallel comparison to Auto Insurance.... but when was the last time AllState paid for your tires, breaks, oil changes, timing belt, heck even transmission... right, ther never have.

Take the Insurer OUT of the system until people hit big time health issues and injuries.

Some people will pay for an annual exam, some won't. Just like some people will change the oil every 5K, other haven't since they bought the car 36 months ago... lets leave it up to the individual how much they want and how important it is to them...
You don't think annual exams help prevent big time health issues?

Why not just get rid of all PC physicians and send everyone to the ER then?
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