I ask again. Who on Earth is actually going to pay insurance premiums? | TigerDroppings.com
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ShortyRob
LSU Fan
Madison, AL
Member since Oct 2008
30858 posts

I ask again. Who on Earth is actually going to pay insurance premiums?

I mean, seriously. Even for lefties who support the program, what percentage of not currently sick people will actually pay for insurance in cases where the fine is less than the premium?

I mean, from an intelligent move perpective, that percentage should be 0%. I would pretty much expect nearly every soul who sees fines as less than 75% of their potential premium will choose fines.

I mean, why not? You don't actually NEED insurance when you aren't sick and, if you get sick, you can literally buy it tomorrow. Functionally, how on Earth is that going to work? The program relies upon healthy people paying the premiums.

Would YOU pay the premium? If so, why?
This post was edited on 10/16 at 3:27 pm



JawjaTigah
LSU Fan
South of Tampa
Member since Sep 2003
12432 posts

re: I ask again. Who on Earth is actually going to pay insurance premiums?
quote:

I would pretty much expect nearly every soul who sees fines as less than 75% of their potential premium will choose fines.
So in a really convoluted way, this really is a tax by another name. BTW, does anybody know where the fine proceeds go?


constant cough
LSU Fan
Lafayette
Member since Jun 2007
41405 posts

re: I ask again. Who on Earth is actually going to pay insurance premiums?
quote:

So in a really convoluted way, this really is a tax by another name.



No it's actually called a tax, John Roberts said so.


GumboPot
LSU Fan
Saints Fan
Member since Mar 2009
27672 posts

re: I ask again. Who on Earth is actually going to pay insurance premiums?
quote:

insurance premiums?


What's that?


Seriously, just sign up to avoid the penalty then don't pay.


ShortyRob
LSU Fan
Madison, AL
Member since Oct 2008
30858 posts

re: I ask again. Who on Earth is actually going to pay insurance premiums?
quote:

Seriously, just sign up to avoid the penalty then don't pay.


Hmm. Wonder how they track that? Maybe sign up and pay one month of premium. Then get past the penalty and stop paying.

Rinse repeat the following year ad infinitum. The bureacracy required to chase this shite down is gonna be hilarious!!!


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Zed
Alabama Fan
Member since Feb 2010
8283 posts

re: I ask again. Who on Earth is actually going to pay insurance premiums?
quote:

I mean, seriously. Even for lefties who support the program, what percentage of not currently sick people will actually pay for insurance in cases where the fine is less than the premium?
If the subsidies knock their premiums down to an affordable level, and they're responsible people, they'll get insurance.
quote:

if you get sick, you can literally buy it tomorrow
From what I understand, this isn't the case. Aren't there limited opportunities to enroll each year?


Godfather1
Army Fan
SE Louisiana
Member since Oct 2006
34386 posts

re: I ask again. Who on Earth is actually going to pay insurance premiums?
I plan on keeping my work plan for as long as its tenable. You never know when something will happen.

We're switching from Aetna to Anthem after the first of the year. I guess I'll see what the difference will be.


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Hog on the Hill
Arkansas Fan
New York, NY
Member since Jun 2009
8168 posts
Online

re: I ask again. Who on Earth is actually going to pay insurance premiums?
quote:

if you get sick, you can literally buy it tomorrow.
I thought there were enrollment periods each year and that if you didn't enroll during those periods then you have to wait until the next year. Unless you have a qualifying life event, like marriage or birth of a child, in which case you can change your enrollment. Is that not true?

If it is true, then it would prevent abuse of the system like you mentioned.

This is exactly how it works for my employer-subsidized insurance. If you don't enroll in time, then you get sick, then you have 100% fricked yourself.

edit: It's true. The open enrollment period will be October 15 to December 7. If you want to enroll for 2016, you must enroll between 10/15/2015 and 12/6/2015. If you don't, then get crippled in a car accident and need multiple surgeries, then you have screwed yourself.

Source: LINK /
This post was edited on 10/16 at 3:43 pm


Oenophile Brah
LSU Fan
The Edge of Sanity
Member since Jan 2013
6366 posts

re: I ask again. Who on Earth is actually going to pay insurance premiums?
quote:

I thought there were enrollment periods each year and that if you didn't enroll during those periods then you have to wait until the next year

I believe this to be true.

My question turns to, what happens when someone walks into the hospital without insurance?

Aren't we right back in the same boat????


Five0
USA Fan
Member since Dec 2009
6466 posts

re: I ask again. Who on Earth is actually going to pay insurance premiums?


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JawjaTigah
LSU Fan
South of Tampa
Member since Sep 2003
12432 posts

re: I ask again. Who on Earth is actually going to pay insurance premiums?
quote:

So in a really convoluted way, this really is a tax by another name.

No it's actually called a tax, John Roberts said so.

No kidding? Oh... but that's why I said what I said the way I said it. It was a convoluted ruling by the SCOTUS, and with the fines in lieu of the premiums, it truly amounts to really being a tax. Just by another name.


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Hog on the Hill
Arkansas Fan
New York, NY
Member since Jun 2009
8168 posts
Online

re: I ask again. Who on Earth is actually going to pay insurance premiums?
quote:

My question turns to, what happens when someone walks into the hospital without insurance?

Aren't we right back in the same boat????
The hospital has to evaluate and stabilize your condition but they aren't obligated to do everything that would benefit you. For instance, they might have to set your broken arm, but they don't have to go to any great length to make sure you fully recover from your injury. If you need physical therapy, you're shite out of luck.

edit: and ERs are only required to take action for emergency conditions. That doesn't mean you can use them for any old thing.
This post was edited on 10/16 at 3:44 pm


Oenophile Brah
LSU Fan
The Edge of Sanity
Member since Jan 2013
6366 posts

re: I ask again. Who on Earth is actually going to pay insurance premiums?
quote:

The hospital has to evaluate and stabilize your condition but they aren't obligated to do everything that would benefit you

Not sure where you're getting that info but I'll play along.

Who pays for that?

What if someone is has terminal illness and no insurance? Left to die on the street?


Zed
Alabama Fan
Member since Feb 2010
8283 posts

re: I ask again. Who on Earth is actually going to pay insurance premiums?
quote:

My question turns to, what happens when someone walks into the hospital without insurance?
With the tax penalty they'll be paying every year without insurance, they will have at least provide some funds towards their inevitable emergency room visits.


SquatchDawg
Georgia Fan
Cohutta Wilderness
Member since Sep 2012
2642 posts

re: I ask again. Who on Earth is actually going to pay insurance premiums?
quote:

Would YOU pay the premium? If so, why?


The only way this whole thing would actually work is if you get turned away at the hospital/doctor for not having insurance. Then everyone would sign up. We as a country though are morally ready to do stuff like this (not yet anyway).

Otherwise, it's jsut a very clever way to data mine the bottom 30% out there via the Obamacare Enrollment site for fundraising purposes.


SpidermanTUba
LSU Fan
NAWLINS
Member since May 2004
32277 posts

re: I ask again. Who on Earth is actually going to pay insurance premiums?
quote:

I mean, seriously. Even for lefties who support the program, what percentage of not currently sick people will actually pay for insurance in cases where the fine is less than the premium?

I mean, from an intelligent move perpective, that percentage should be 0%. I would pretty much expect nearly every soul who sees fines as less than 75% of their potential premium will choose fines.

I mean, why not? You don't actually NEED insurance when you aren't sick and, if you get sick, you can literally buy it tomorrow. Functionally, how on Earth is that going to work? The program relies upon healthy people paying the premiums.

Would YOU pay the premium? If so, why?



You should ask this question of the people of Massachusetts who already liver under such a system.

You should also google "preventive medicine"
This post was edited on 10/16 at 3:47 pm


Hog on the Hill
Arkansas Fan
New York, NY
Member since Jun 2009
8168 posts
Online

re: I ask again. Who on Earth is actually going to pay insurance premiums?
quote:

Not sure where you're getting that info but I'll play along.

Who pays for that?

What if someone is has terminal illness and no insurance? Left to die on the street?
Like cancer? Yeah pretty much, ERs are not required to provide cancer therapy to anyone, as far as I know. If you go in with superior vena cava syndrome (tumor growing that is compressing the superior vena cava, a painful and eventually fatal condition) then they will probably have to help you, but I don't know to what extent they are obligated to treat you. I strongly doubt they are going to put you on chemo if you can't pay for it. They might have to give you emergency radiation therapy, which would delay the inevitable.

I could be wrong because I am not an ER professional, I work in oncology, and I only deal with patients once they've already consulted with their oncologist.

edit: and I'm posting from my office when I should be going home for the day, so I'm about to head out
This post was edited on 10/16 at 3:49 pm


Oenophile Brah
LSU Fan
The Edge of Sanity
Member since Jan 2013
6366 posts

re: I ask again. Who on Earth is actually going to pay insurance premiums?
quote:

With the tax penalty they'll be paying every year without insurance, they will have at least provide some funds towards their inevitable emergency room visits.

I'm sorry but this is laughable.

You think the tiny tax the government is levying will cover that tab? Not a prayer.


wickowick
LSU Fan
Head of Island
Member since Dec 2006
26776 posts

re: I ask again. Who on Earth is actually going to pay insurance premiums?
quote:

If the subsidies knock their premiums down to an affordable level


Who is paying the deductible?


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SpidermanTUba
LSU Fan
NAWLINS
Member since May 2004
32277 posts

re: I ask again. Who on Earth is actually going to pay insurance premiums?
quote:


The only way this whole thing would actually work is if you get turned away at the hospital/doctor for not having insurance. Then everyone would sign up. We as a country though are morally ready to do stuff like this (not yet anyway).


Please tell me you understand that if you incur emergency medical expenses today, buying insurance tomorrow isn't going to cover those expenses. PLEASE tell me you get this. Pre-existing conditions are covered, not pre-existing expenses.


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