18 Reasons the Affordable Care Act Is the Greatest Achievement for the Middle Class

[Danzig]

Originally Posted by jms62

Its only cheap if you have an income and are not facing a 300K college loan. Ateam nailed it.

let's put it this way, it's less expensive than car insurance. than a cable bill. for mark, who smokes, it's less than 60 a month-it's cheaper than his tobacco habit.
and if someone decides to rack up 300k in student loans, health insurance probably isn't their biggest worry. i'd be more concerned about why i opted to get that far in debt if it were me.

[jms62]

Originally Posted by Danzig

let's put it this way, it's less expensive than car insurance. than a cable bill. for mark, who smokes, it's less than 60 a month-it's cheaper than his tobacco habit.
and if someone decides to rack up 300k in student loans, health insurance probably isn't their biggest worry. i'd be more concerned about why i opted to get that far in debt if it were me.

Lovely.. We wonder why our health care system is so ****ed up. Smoker should pay 10 times that.

[Danzig]

Originally Posted by jms62

Lovely.. We wonder why our health care system is so ****ed up. Smoker should pay 10 times that.

yeah, ok...he's 25 and in perfect health and is a very low risk. and that is what premiums are based on. if he didn't smoke, his premium would be half that.
were he 60, obese, still smoking, etc, it would be more than ten times that.
it's all based on math, with actuaries constantly crunching numbers. don't like it, take it up with the math formulas.
and his health premiums were balanced no doubt by his car insurance. but i bet you probably would complain that guys as a group pay more for that, and it's not fair.

[jms62]

Originally Posted by Danzig

yeah, ok...he's 25 and in perfect health and is a very low risk. and that is what premiums are based on. if he didn't smoke, his premium would be half that.
were he 60, obese, still smoking, etc, it would be more than ten times that.
it's all based on math, with actuaries constantly crunching numbers. don't like it, take it up with the math formulas.
and his health premiums were balanced no doubt by his car insurance. but i bet you probably would complain that guys as a group pay more for that, and it's not fair.

So you are critical of a health policy that will guarantee health insurance to your son who WILL develop issues later in life due to his smoking. So I guess it sucks until you need it. Trouble with this country is the complete lack of empathy. No one able to see past their current circumstances as of the current moment. We know how the math formulas worked with the CDO's . Maybe what we need is a little less math and a little more common sense. You smoke and it will cost somewhere down the road.

[Danzig]

Originally Posted by jms62

So you are critical of a health policy that will guarantee health insurance to your son who WILL develop issues later in life due to his smoking. So I guess it sucks until you need it. Trouble with this country is the complete lack of empathy. No one able to see past their current circumstances as of the current moment. We know how the math formulas worked with the CDO's . Maybe what we need is a little less math and a little more common sense. You smoke and it will cost somewhere down the road.

i'm critical of some of the changes made, yes. but i've said all along that they needed to fix things-my cynicism comes in on how well this system will work, and how it will be paid for when you have private companies still needing to turn a profit. seems making it non-profit would be infinitely helpul, which is why i want/advocate single payer. but i'm not sure how you're reading all of the above into what i've written. i thought i was making a point about someone buying his own insurance and that at his age, it's very much affordable. as for whether he WILL develop issues, he may or may not. nothing is a given in this world.

[Riot]

Originally Posted by Danzig

yeah, ok...he's 25 and in perfect health and is a very low risk.

LOL - He's a documented smoker. He now has a pre-existing condition. For the rest of his life, his insurance company can choose to deny or rescind his health coverage for for allergies, colds, sinus infections, asthma, pneumonia, bronchitis, laryngitis, various cancers, heart trouble, esophageal problems, stomach problems, ear infections, hypertension ...

Oh, wait. No it can't. Not any more. The Affordable Care Act consumer protections prevents that now.