Health insurance markets open; succes...

Health insurance markets open; success to be seen

There are 173 comments on the Northern Michigan News story from Oct 1, 2013, titled Health insurance markets open; success to be seen. In it, Northern Michigan News reports that:

Millions of Americans will be able to shop for the first time Tuesday on the insurance marketplaces that are at the heart of President Barack Obama's health care reforms, entering a world that is supposed to simplify the mysteries of health coverage but could end up making it even more confusing, at least initially.

Join the discussion below, or Read more at Northern Michigan News.

Eleanor

Vernon Hills, IL

#70 Oct 4, 2013
barefoot2626 wrote:
<quoted text>
I don't know what you expect a family of 4 making $38,000 a year to do when the father falls off the roof and breaks his leg or their two children are diagnosed with asthma if they don't have health insurance.
I'm not saying people shouldn't have insurance. I'm saying it is TYRANNY for the government to MANDATE it.

There are consequences for not having insurance. Those who don't protect themselves with insurance can experience the consequences of their choice.

Insurance is expensive. Maybe a little less expensive with a subsidy, but still expensive.

HIGH DEDUCTIBES and co-pays make insurance more affordable and yet, LOTS OF MONEY comes out of the pocket before even one medical treatment is performed.

People who run to the doctor for every sniffle are NOT going to benefit from insurance. They'll be shelling out their deductible first.

Insurance is to PROTECT FROM CATASTROPHE, not everyday little cuts, scraps and sniffles.

Since: Feb 11

Location hidden

#71 Oct 4, 2013
Eleanor wrote:
<quoted text>
So, then, expand Medicare.
Or... propose a law that requires people to carry insurance. Talk about the law, have an election, let the people decide... propose the law, take it through Congress and have Congress vote on it... and then have the president decide if he wants it to become law... and have him sign it...

OH.

Right.

We did that already.

I wonder what the Republicans would say if the budget was being hung up on a rider that was passed by Democrats that insisted before the budget was passed that there should be background checks for all guns sales across America?

The ACA is law.

If you don't like it: strike down the law. Don't hold up the country for your pet projects.

Since: Feb 11

Location hidden

#72 Oct 4, 2013
Eleanor wrote:
<quoted text>
I'm not saying people shouldn't have insurance. I'm saying it is TYRANNY for the government to MANDATE it.
Is it TYRANNY for states to require you to have auto insurance if you drive a car?

Have you ever been hit by someone who didn't have insurance?

Since: Feb 11

Location hidden

#73 Oct 4, 2013
Eleanor wrote:
There are consequences for not having insurance. Those who don't protect themselves with insurance can experience the consequences of their choice.
"Qu'ils mangent de la brioche!"

Yes, like one of their kids could die, or they could live with diabetes without insulin.

Do you know how much money this country is spending a a fighter jet that right now has so many problems they won't fly it in inclement weather?

Since: Feb 11

Location hidden

#74 Oct 4, 2013
Eleanor wrote:
People who run to the doctor for every sniffle are NOT going to benefit from insurance. They'll be shelling out their deductible first.
One in five Americans cannot go to a doctor at all.

Imagine holding your kid with a nasty cut on his forehead, bleeding profusely, and you have to decide whether or not you take him to primary care because you know if you do you may not be able to make rent?

Clearly: it's not something you have ever had to deal with.
Eleanor

Vernon Hills, IL

#75 Oct 4, 2013
barefoot2626 wrote:
<quoted text>
Is it TYRANNY for states to require you to have auto insurance if you drive a car?
Have you ever been hit by someone who didn't have insurance?
If you own a home, you must pay property tax to provide governance for your community.

If you own a car, you must pay for insurance to protect others from damage you may cause.

If you ARE ALIVE, you must BUY HEALTH INSURANCE??? For WHAT PURPOSE??

Insurance is to PROTECT FROM DAMAGES, like the costs incurred in catastrophic illnesses. It is NOT HEALTHCARE. It is PROTECTION. Just like LIFE insurance and HOMEOWNERS insurance it is for one's OWN protection. The government is MANDATING that we protect ourselves FROM ourselves, while all along, the insurance industry has guaranteed clients and hospitals have guaranteed PROFITS.
Emerald

United States

#76 Oct 4, 2013
barefoot2626 wrote:
<quoted text>
One in five Americans cannot go to a doctor at all.
Imagine holding your kid with a nasty cut on his forehead, bleeding profusely, and you have to decide whether or not you take him to primary care because you know if you do you may not be able to make rent?
Clearly: it's not something you have ever had to deal with.
Neither has anybody else.
Eleanor

Vernon Hills, IL

#77 Oct 4, 2013
barefoot2626 wrote:
<quoted text>
One in five Americans cannot go to a doctor at all.
Imagine holding your kid with a nasty cut on his forehead, bleeding profusely, and you have to decide whether or not you take him to primary care because you know if you do you may not be able to make rent?
Clearly: it's not something you have ever had to deal with.
Same thing happens when there is low cost affordable insurance with a LARGE deductible.

EVEN with health insurance, taking your kid to the doctor is still going to cost a lot of money. And it is going to KEEP COSTING to visit the doctor, until the deductible is paid.

So, how is this insurance going to help? It is NOT GOING TO HELP. It only helps in the event of a catastrophic event, like if surgery is required. And even with that they'll have to PAY at least 20% of the bill.

So the person who couldn't afford to go to the doctor with a sick kid is NOW not only going to PAY a monthly premium, they are still going to have to come up with the money to pay the doctor until the deductible is met.

So, how does the rent get paid???
sheepleloveroyal ty

Pottstown, PA

#78 Oct 4, 2013
barefoot2626 wrote:
<quoted text>
Is it TYRANNY for states to require you to have auto insurance if you drive a car?
Have you ever been hit by someone who didn't have insurance?
Actually many mandatory state auto insurance policies and prices are draconian.

I know people hit by uninsured drivers and yes they did get their medical bills paid for but they could not sue and didn't get squat for car repairs. They got the minimum, they couldn't turn their accident into a beach front condo. It sucks.

In some respects auto insurance and health insurance are the same because it always seem to come down 'the uninsured'. Since the states and federal government are basically taxing those with insurance why not just impose a single flat fee tax for bare minimum coverage. But make it an option. You carry uninsured motorist coverage your state tax is waived. You don't buy it you pay the state tax. The INSURANCE industry now has incentive to beat the state price if they want. Government backed INSURANCE should be an option, not a mandate. Cheaper alternative government INSURANCE and CARE programs should be available as an alternative or choice.

But to make it cheaper that means you can't provide the 'same' services an insured patient might get. Everybody talks about how great other countries health care systems are. And I'd bet you go to the doctor in many of these countries their health care is administered clinic style by hourly or salaried doctors not billing by the procedure. That means first come first serve with no appointments which means you have to wait. But for cheap or cheaper health care you have to cut somewhere. You pay for the privilege of appointments. I'd only charge 100 dollars for cash patients even though you could use insurance if you wanted. Point being yes there should be cheap/cheaper alternatives or choices but NOT mandates.

Since: Feb 11

Location hidden

#79 Oct 4, 2013
Eleanor wrote:
<quoted text>
If you own a home, you must pay property tax to provide governance for your community.
Nope.

But you skipped over the same question twice:

Is it TYRANNY for the state to require car insurance for people who drive cars?

Since: Feb 11

Location hidden

#80 Oct 4, 2013
Eleanor wrote:
EVEN with health insurance, taking your kid to the doctor is still going to cost a lot of money.
Is it going to cost more money or less money if you have insurance?

If you know it is going to cost you $1000 to take the kid to the hospital when he is bleeding from the forehead are you going to think harder than if you know it is going to cost you $100?

Pretend you have kids and that you never had to make this decision before.

Since: Feb 11

Location hidden

#81 Oct 4, 2013
Eleanor wrote:
So, how is this insurance going to help? It is NOT GOING TO HELP.
So know we know without a doubt that you don't mind telling lies.

Do you have health insurance?
Far Away

Anchorage, AK

#82 Oct 4, 2013
barefoot2626 wrote:
<quoted text>
Nope.
But you skipped over the same question twice:
Is it TYRANNY for the state to require car insurance for people who drive cars?
You are not required to drive; that's a choice, but you do have to breathe.
Eleanor

Vernon Hills, IL

#83 Oct 4, 2013
barefoot2626 wrote:
<quoted text>
Nope.
But you skipped over the same question twice:
Is it TYRANNY for the state to require car insurance for people who drive cars?
No.

It is not TYRANNY to require that if you use something has the potential to kill or injure another person (a vehicle), that there be a requirement to PROTECT OTHERS from the costs associated with the damage that you may cause (insurance).

Additionally, in the case of automobile insurance, the government is not using your tax money to subsidize other people to buy the same insurance at a lower rate.

Plus, it is not EXEMPTING others from complying with the same law.
Eleanor

Vernon Hills, IL

#84 Oct 4, 2013
barefoot2626 wrote:
<quoted text>
Is it going to cost more money or less money if you have insurance?
If you know it is going to cost you $1000 to take the kid to the hospital when he is bleeding from the forehead are you going to think harder than if you know it is going to cost you $100?
Pretend you have kids and that you never had to make this decision before.
It will ONLY cost $100 to take a kid to the emergency room ONLY AFTER first having paid the MONTHLY PREMIUM, AND having satisfied a deductible of AT LEAST a few hundred dollars.

You are only looking at the $100 and not all the other costs in purchasing and maintaining insurance.

The $1,000 MIGHT be a BARGAIN, rather than the THOUSANDS one will have to pay in the long run.
Eleanor

Vernon Hills, IL

#85 Oct 4, 2013
barefoot2626 wrote:
<quoted text>
So know we know without a doubt that you don't mind telling lies.
Do you have health insurance?
I have ALWAYS had insurance, whether while working or while unemployed.

Anyone who has assets to protect will insure oneself against catastrophe.

The insurance I had while unemployed was just that; CATASTROPHIC insurance. Reasonable monthly payments, HUGE DEDUCTIBLE.

I would have had to be pretty darn sick to even BENEFIT from the insurance.

Having cheep insurance isn't like waiving an insurance ID card and paying a small fee. It is FIRST SATISFYING the deductible BEFORE getting ANY insurance benefit.

Since: Aug 13

Bozeman, MT

#86 Oct 4, 2013
conservative crapola wrote:
<quoted text>
They're all going to be red state teabagging cons.
hahahahahahahahaha
Actually the analysis suggests that the uninsured under Obamacare will be heavily low-income, Obamaphone using, food stamp receiving, democrat voting "victims."
conservative crapola

“Hicksville Hootenanny”

Since: Sep 13

Kornfield Kounty

#87 Oct 4, 2013
barefoot2626 wrote:
<quoted text>
I don't know what you expect a family of 4 making $38,000 a year to do when the father falls off the roof and breaks his leg or their two children are diagnosed with asthma if they don't have health insurance.
The teabagging tribel thumpers think jesús will take care of them.

“have seen the years,”

Since: Mar 10

and the slow parade of fears"

#88 Oct 4, 2013
Robert wrote:
<quoted text>
I can tell you have not have had any of these test, the do a colonoscopy and snip a polyp which they have on every one of mine it is no longer considered preventative, the test is only preventative when they don't find anything. What's more there is not free lunch, insurance companies have raised rates to pay for these so called free test.
You are wrong. I've had a colonoscopy, 2 mammograms and 2 PAP smears in the last 2 years, and they were all covered as mandated by the ACA. My husband has had 2 PSA screenings and a colonoscopy over the last 2 years and they were also covered by our insurance. Perhaps your practitioners are a little knife happy?
As far as insurance companies raising their rates to cover the mandate on them to provide preventative care, there are a multitude of random checks throughout the entire program year to make sure the insurance companies are NOT 'raising rates to pay for these so-called free (your words, not mine)tests'. They are also required to return the funds collected that aren't used for what is required under the law, to their customers.
You take a lot of license making all of these statements about me and the ACA when obviously, you know nothing about either.

Since: Feb 11

Location hidden

#89 Oct 4, 2013
Far Away wrote:
<quoted text>
You are not required to drive; that's a choice, but you do have to breathe.
Breathing and the ACA have nothing to do with each other unless you are saying people with asthma can afford to get health care now that insurance companies cannot discriminate against them for their existing condition.

PS: if you drive, you do have to meet the requirements of the state- for most, meaning they have to have insurance.

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