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Why you should have healthcare even if young and healthy
Posted on 12/4/17 at 11:38 pm
Posted on 12/4/17 at 11:38 pm
Last July I had a freak accident. I was camping, changing my clothes, lost my balance, twisted the ankle in the wrong way, and wound up breaking my tibia and shattering my fibula. This wasn't my first time in the woods. I have over 500 miles overnight hiking experience. But on that day fate was against me.
It required 3 operations. I caught a hospital infection and required way more antibiotics than I want to even think of, and I needed extended wound care at one of the incision site. Nearly 4 months on crutches, and now a month of PT and counting.
The total pre discount bill, at last count, was over $120,000. I paid only about 2.5k because I had insurance.
The recovery was very difficult as is. I missed 6 weeks of work and my wife had to delay looking for work to take care of me (was lucky it happened while she was between jobs). I don't even want to think of how much harder it would have been if we had to file bankruptcy on top of it, and it would no doubt be DIY PT.
So if you are young and healthy and think you don't need insurance, think again.
It required 3 operations. I caught a hospital infection and required way more antibiotics than I want to even think of, and I needed extended wound care at one of the incision site. Nearly 4 months on crutches, and now a month of PT and counting.
The total pre discount bill, at last count, was over $120,000. I paid only about 2.5k because I had insurance.
The recovery was very difficult as is. I missed 6 weeks of work and my wife had to delay looking for work to take care of me (was lucky it happened while she was between jobs). I don't even want to think of how much harder it would have been if we had to file bankruptcy on top of it, and it would no doubt be DIY PT.
So if you are young and healthy and think you don't need insurance, think again.
19
Posted on 12/4/17 at 11:40 pm to JJthomson
When my mom finally got out of my grandparents' house and started living on her own, my grandmother made her buy health insurance and stressed the importance of it. And this is back in 1982 when my mom had just turned 21.
All young people should invest in healthcare no matter how invincible you think you are. Because it only takes on accident to bankrupt you and set you back by a decade if you don't have it.
All young people should invest in healthcare no matter how invincible you think you are. Because it only takes on accident to bankrupt you and set you back by a decade if you don't have it.
This post was edited on 12/4/17 at 11:41 pm
Posted on 12/4/17 at 11:41 pm to JJthomson
Thanks Obamacare bot.
Posted on 12/4/17 at 11:42 pm to Dead End
Obamacare is dead. We have Trumpcare now. Good luck.
Posted on 12/4/17 at 11:42 pm to JJthomson
Are you an obamacare bot?
It's not a coincidence you are starting this OP in the middle of open enrollment.
It's not a coincidence you are starting this OP in the middle of open enrollment.
Posted on 12/4/17 at 11:43 pm to JJthomson
I agree everyone really should but Obamacare has made it completely unaffordable for young healthy people
Posted on 12/4/17 at 11:43 pm to HailHailtoMichigan!
Is that what you guys call anyone giving common sense advice? An "Obamacare bot?" That's interesting. Especially considering the removal of the individual mandate means there is no Obamacare. Trump owns this monster now.
Posted on 12/4/17 at 11:45 pm to JJthomson
quote:
Is that what you guys call anyone giving common sense advice? An "Obamacare bot?" That's interesting. Especially considering the removal of the individual mandate means there is no Obamacare. Trump owns this monster now.
No, you don't get to push Obamacare off on Trump. Health insurance is high because of idiots like you that supported Obama.
Posted on 12/4/17 at 11:46 pm to JJthomson
Young and healthy you say?
Were you not on your parents insurance?
Were you not on your parents insurance?
Posted on 12/4/17 at 11:52 pm to JJthomson
That's a great story and all but that can be handled by allowing young people to buy catastrophic health insurance.
So why can't they do that?
So why can't they do that?
Posted on 12/5/17 at 6:32 am to JJthomson
You need to go the exchange and check the rates. Somebody who is 30 years old can get a silver plan for $400-$450 month. That is not insurance that is robbery. If I was a 30 year old I would not pay it either.
Posted on 12/5/17 at 6:34 am to JJthomson
You should have a catastrophic policy and pay cash for the small stuff.
Why should everybody be forced to buy the health equivalent of the idiotic plans where you pay for car repairs up front?
Why should everybody be forced to buy the health equivalent of the idiotic plans where you pay for car repairs up front?
Posted on 12/5/17 at 6:39 am to JJthomson
A very good explanation of why everyone should have an emergency fund of 6 months living expenses.
Start campaigning for the govt to force everyone to have it.
Start campaigning for the govt to force everyone to have it.
Posted on 12/5/17 at 6:51 am to JJthomson
Maybe you should force your propaganda on your neice and nephew instead of spewing it here.
Posted on 12/5/17 at 6:52 am to JJthomson
quote:
Obamacare is dead. We have Trumpcare now. Good luck.
Great. Another mentally ill bot that will spam the board with lies.
Posted on 12/5/17 at 6:56 am to JJthomson
quote:
JJthomson
The only real question here is, whose alter is this?
Oh, and what people "should" do because it's a good choice and what the government should MANDATE people do are completely unrelated topics.
Posted on 12/5/17 at 7:00 am to JJthomson
quote:
was camping, changing my clothes, lost my balance, twisted the ankle in the wrong way, and wound up breaking my tibia and shattering my fibula.
How many strength building and/or ballet classes can $500/month get you? Sounds like some prevention would have been much cheaper.
Posted on 12/5/17 at 7:24 am to JJthomson
OR... Hear me out bud... How about young folks have the ability to purchase high deductible plans that are meant for these situations instead of forcing them to purchase over the top comprehensive plans with high deductibles and high monthly premiums.
Food for thought.
Food for thought.
Posted on 12/5/17 at 7:37 am to Pelican fan99
quote:
Obamacare has made it completely unaffordable for young healthy people
lol, no. It's all about priorities. Stop eating out so much and cancel your cable bill. Don't blame other people for not wanting to pay for your responsibility.
Posted on 12/5/17 at 7:39 am to Chuker
You are wrong. Obama care killed affordable plans for young men.
This post was edited on 12/5/17 at 7:40 am
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