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#1
11-30-2007, 08:11 PM
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Re: Require health insurance assistance
[ QUOTE ]
[ QUOTE ] $1000 per year (if that is an accurate figure) is more than affordable. I find it hard to believe that you couldn't find $3 a day to trim from your budget. [/ QUOTE ] It's not. What's affordable got to do with it? Is there any value? For healthy individuals who have no health insurance, health insurance premiums are a ripoff. It's not the rich subsidizes the poor. It's the healthy subsidizes the sickly and all health care middlemen. For healthy people it would be cheaper to pay for health care when we need it. [/ QUOTE ] This is not really true, as I recently found out. I'm nearly 30, been healthy my entire life up until this year and recently went in to check out a problem I was having. I ended up having outpatient surgery with a bill over $20,000. With great insurance, it cost me only the $20 copayment for the first office visit and nothing else beyond my deductible. I just checked my paycheck and I pay around $90/mo for medical. It would take me 18.5 years of working to pay $20,000 on deductibles at that rate. I'm basically coming out way, way ahead on the "pay as you need it" plan. I can't imagine going through life knowing 1 accident can mean tens of thousands of dollars out of my pocket. 
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#2
11-30-2007, 09:47 PM
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Re: Require health insurance assistance
[ QUOTE ]
[ QUOTE ] [ QUOTE ] $1000 per year (if that is an accurate figure) is more than affordable. I find it hard to believe that you couldn't find $3 a day to trim from your budget. [/ QUOTE ] It's not. What's affordable got to do with it? Is there any value? For healthy individuals who have no health insurance, health insurance premiums are a ripoff. It's not the rich subsidizes the poor. It's the healthy subsidizes the sickly and all health care middlemen. For healthy people it would be cheaper to pay for health care when we need it. [/ QUOTE ] This is not really true, as I recently found out. I'm nearly 30, been healthy my entire life up until this year and recently went in to check out a problem I was having. I ended up having outpatient surgery with a bill over $20,000. With great insurance, it cost me only the $20 copayment for the first office visit and nothing else beyond my deductible. I just checked my paycheck and I pay around $90/mo for medical. It would take me 18.5 years of working to pay $20,000 on deductibles at that rate. I'm basically coming out way, way ahead on the "pay as you need it" plan. I can't imagine going through life knowing 1 accident can mean tens of thousands of dollars out of my pocket. [/ QUOTE ] It's a simple EV calculation. Since you *needed* the insurance, you qualify as one of the "sickly" in the other poster's definition. In any case, aren't you going to work 18.5 years anyway? If you end up working 25 years without another expensive incident, you'll be behind again.
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#3
11-30-2007, 09:52 PM
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Re: Require health insurance assistance
[ QUOTE ]
It's a simple EV calculation. Since you *needed* the insurance, you qualify as one of the "sickly" in the other poster's definition. In any case, aren't you going to work 18.5 years anyway? If you end up working 25 years without another expensive incident, you'll be behind again. [/ QUOTE ] The whole point is I had no idea I'd need any insurance for anything, but something suddenly came up. The same thing happens with "healthy" people all the time (like cancer), especially as you get older. Plus, everyone is constantly running the risk of hurting themselves via car accident, random household accident, etc. Also, if could get to 55 without needing any medical attention, I would be probably in like the top 5% of healthiest people on the planet.
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