Wednesday, March 2, 2011

Wouldn't you want everyone to have health insurance?

I mean if we are all forced to have car insurance why not health insurance. Why should people choose to have it or not? What kind of person doesn't want to take care of their body? The thing is every one should have health insurance because sickness has no boundaries. Germs spread when your sick and affects everybody. So no, health should not be a choice to someone because they affect more than themselves....well unless they are willing to live in a big plastic bubble.
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You are not forced to have car insurance, you can choose not to drive. If you have children you do not have to have car insurance for them. Car insurance is required if you CHOOSE to drive, but that insurance is not to protect you, it is to protect others, you are not required to have coverage on your own property though a lending institution may require it to protect their own interests. Why should a young health individual be required to have health care coverage? He is aware of the risks of not having it and then accepts that risk. Why should anyone pay between $300 and $1200 a month for insurance when the probabilities of using it is very low? Wouldn't you be better off saving that money and if you have to go to the doctor you can pay for the visit. Why do so many people support the right of a woman to choose but then want to deny others the right to choose whether or not they have health care. I now view abortion as a method of lowering your health care costs, you can choose to abort rather than to pay higher premiums and your insurance will pay for this choice. Health care will not stop the spread of sicknesses, it is up to an individual to go to the doctor and just having health insurance is no guarantee that they will do so. You seem to be going on the premise that if you have health care insurance, that you will not have to take any money out of your pocket except for the premiums. This is not true, you will have an annual deductible, maybe it is $500 a year, maybe it is $2,000 per year. You have to pay the deductible before the insurance pays anything at all. Even after you pay your deductible you will have to pay anywhere between 20 and 30% of the total bill. Lets say you have an angiogram, I had one so that is why I am using this as my example. The cost of the angiogram is $70,000. If your insurance costs you $5,000 per year and your deductible is $2,000 and has 80% coverage (you pay the other 20%) this procedure would cost you a total of $5,000 + $2,000 + 14,000 or a total of $21,000, assuming of course that this was your one an only usage of your insurance of the year. True, it is cheaper than paying $70,000, but do can you afford $21,000 anymore than you can afford $70,000 ? Now suppose you did not see the doctor at all during the year, do you have $5,000 you can throw away? If you said yes, then please send it to me, Now if you will show me a Federal Law that requires you to have car insurance, I will take back everything I have said.
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