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Started By
Message
re: Been experimenting with "health insurance" for a year and a half
Posted on 7/31/15 at 9:30 am to PeteRose
Posted on 7/31/15 at 9:30 am to PeteRose
quote:Do your principles include not fricking over people you don't even know? Because that's what you're doing. You're fricking us over.
Like I said, this is the lifestyle choice that I'm comfortable with. It works for my situation. I'm not asking or trying to convince people to live this way. I choose it based on principle.
quote:Not only do I want to live past 60, but I want to live all that time while NOT footing the bill for your "lifestyle choices". Get insurance, jackass.
If I get to 60 and drop dead, I'll be satisfied.
1
Posted on 7/31/15 at 10:51 am to southernelite
quote:
Doesn't carry insurance Doesn't know what an HSA is Possibly evading taxes Yeah, sounds like you make solid decisions.
Dude has to be trolling. I hope so, anyway.
This post was edited on 7/31/15 at 10:52 am
Posted on 7/31/15 at 11:12 am to lnomm34
I've figured it out. Dude is a genius. He has just had everyone highlight for him all the reasons to have insurance and only the really backwards reasons to not.
He is like a sleeper agent for BCBS or something.
He is like a sleeper agent for BCBS or something.
Posted on 7/31/15 at 11:32 am to AUjim
$300/month compounded at 3% (high yield checking) for 14 years (until he turns 50) nets him $62k.
That's assuming he has no issues during this time period. And since he exercises regularly...have fun with that knee surgery at 42. It'll cost way more than the $23k you have in the bank at that time.
That's assuming he has no issues during this time period. And since he exercises regularly...have fun with that knee surgery at 42. It'll cost way more than the $23k you have in the bank at that time.
This post was edited on 7/31/15 at 11:35 am
Posted on 7/31/15 at 1:17 pm to PeteRose
What the OP hasn't answered, is what he plans to do if some sort of thing happens to him that results in a large medical bill that he won't be able to afford to cover.
Let me tell you what he will do. He won't pay it. The rest of us will eat the cost.
This is like those "cut the cord" threads where the poster says he's cut the cord, but "borrows" his friend's access login to Watch ESPN.
Let me tell you what he will do. He won't pay it. The rest of us will eat the cost.
This is like those "cut the cord" threads where the poster says he's cut the cord, but "borrows" his friend's access login to Watch ESPN.
Posted on 7/31/15 at 1:20 pm to LSUFanHouston
quote:
This is like those "cut the cord" threads where the poster says he's cut the cord, but "borrows" his friend's access login to Watch ESPN.
that is a horrible analogy
Posted on 7/31/15 at 1:42 pm to Salmon
quote:
that is a horrible analogy
Yeah that wasn't good. The OP is such a bad idea
. It made me nervous when we had our insurance lapse for about 4 days while switching jobs and I didn't pay for Cobra.
I just told my wife if something bad happens, we're just gonna have to sit in the house until 12:00 AM on the 4th day, hope for the best, and stumble in the ER.
Posted on 7/31/15 at 2:11 pm to PeteRose
quote:
Now, I know this is not for everybody(can't take this risk if you have kids). But I looked at my parents medical history and they are relatively healthy. I exercise 5x a week, eat well, maybe get sick once every 5 years.
Eating and exercising reduces the chance of some illnesses but does not eliminate them. Kidney stones happen. Car wrecks happen. So does cancer. Virus happens. Pregancies happen. Accidents happen. You can't plan for sickness nor accidents thats why insurance is important no matter how "healthy" your lifestyle seems to you.
Posted on 7/31/15 at 2:22 pm to Salmon
quote:
that is a horrible analogy
Why do you say that?
In both cases, the savings is really being created because the person is mooching off of someone else.
Posted on 7/31/15 at 2:25 pm to LSUFanHouston
quote:
the savings is really being created because the person is mooching off of someone else.
one if voluntary, the other isn't
Posted on 7/31/15 at 2:46 pm to Kino74
quote:Personally, I hope he doesn't end up pregnant, and I really don't wanna know how that would happen...
Pregancies happen
quote:This has always been a concern of mine, so if no one minds, I'd like to ask a question. Say Pete Rose goes to the doctor, is told he has cancer. Since health insurers can't deny/raise rates on people with pre-existing conditions (or whatever the term was), couldn't he delay treatment (assuming treatment doesn't have to be urgent) to sign up for insurance, which would then pay for everything? I'm not advocating that method at all, especially since it wouldn't be useful in other situations, but am I understanding the ACA correctly in that regard?
So does cancer.
Posted on 7/31/15 at 2:52 pm to Salmon
quote:
e if voluntary, the other isn't
If I don't pay for cable, and mooch off my friend's internet access... I'm not paying for it, someone else is.
If I don't buy health insurance and don't pay my medical bill, the hospital has to eat the bill, which raises costs for all of us.
In both situations, you are saving money by passing the cost onto someone else. Yes, both are voluntary.
Posted on 7/31/15 at 3:08 pm to LSUFanHouston
quote:
Yes, both are voluntary.
I meant the one footing the bill...if my friends gives me their login, that is voluntary
Posted on 7/31/15 at 4:10 pm to PeteRose
Another option: if your income is location-independent (a lot of IT, consulting, etc) , you could live somewhere that the healthcare-industrial complex hasn't jacked up the prices astronomically beyond their free market value.
...then you actually *could* pay for damn near anything, even catastrophic stuff.
...then you actually *could* pay for damn near anything, even catastrophic stuff.
Posted on 7/31/15 at 5:19 pm to Omada
ACA has indeed eliminated the pre existing condition foolishness, but it has also regulated when and how you can get covered. Open enrollment is Nov 1 - Jan 31st. This applies to the self employed as well, unless you've recently left a job, lost health insurance thru a job, etc.
So theoretically, you could have a major diagnosis Feb thru Oct and then get a policy that would kick in for 2016. But you're still gonna pay a tax penalty for your refusal to get coverage in the uncovered year.
Look, no one plans to get a dreadful disease. OP must have a charmed life to know no one personally who's had a horrible out of the blue diagnosis....that upended their careful financial and life planning. Leukemia, ALS, MS, early onset Alzheimer's: I can name someone in my life facing each one of those conditions at 35, 45, 55. Stuff happens, and I'd rather have options.
So theoretically, you could have a major diagnosis Feb thru Oct and then get a policy that would kick in for 2016. But you're still gonna pay a tax penalty for your refusal to get coverage in the uncovered year.
Look, no one plans to get a dreadful disease. OP must have a charmed life to know no one personally who's had a horrible out of the blue diagnosis....that upended their careful financial and life planning. Leukemia, ALS, MS, early onset Alzheimer's: I can name someone in my life facing each one of those conditions at 35, 45, 55. Stuff happens, and I'd rather have options.
Posted on 7/31/15 at 5:30 pm to hungryone
quote:Thanks. That theoretical situation has been in my head the past few years, but it was really over whether I could get a better insurance plan for cancer in the event that I thought I or a loved one might be/was diagnosed.
ACA has indeed eliminated the pre existing condition foolishness, but it has also regulated when and how you can get covered. Open enrollment is Nov 1 - Jan 31st. This applies to the self employed as well, unless you've recently left a job, lost health insurance thru a job, etc. So theoretically, you could have a major diagnosis Feb thru Oct and then get a policy that would kick in for 2016. But you're still gonna pay a tax penalty for your refusal to get coverage in the uncovered year.
Have an upvote for the help.
This post was edited on 7/31/15 at 5:31 pm
Posted on 7/31/15 at 7:26 pm to PeteRose
quote:
I travel the world and I've seen hundred of millions of people who are doing fine without health insurance.
No you haven't.
quote:
I've accepted death as a part of life. I can't live forever and wouldn't want to. If I get to 60 and drop dead, I'll be satisfied.
Only a lonely soul would say something like this.
Posted on 7/31/15 at 8:05 pm to PeteRose
When did insurance become a payment plan? Of course your ROI is going to be good as long as nothing bad happens. That's pretty much the definition of insurance--covering your arse in the case of the worst possible scenario.
Posted on 7/31/15 at 9:02 pm to PeteRose
If I didn't have health insurance when I had to get part of my lung removed, we would have owned 500k plus.
Once you stay in the hospital for multiple weeks and deal with MRIs and specialty doctors, that 5k is nothing.
Plus being self employed, when your arse is in the hospital where is the money coming in for bills?
Once you stay in the hospital for multiple weeks and deal with MRIs and specialty doctors, that 5k is nothing.
Plus being self employed, when your arse is in the hospital where is the money coming in for bills?
This post was edited on 7/31/15 at 9:11 pm
Posted on 8/1/15 at 6:27 pm to PeteRose
quote:
But I can cover most operations at my own expense. It would suck, but I never had such operation my whole life and I like to take my chances.
You dont know what you are talking about.
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