Quote:
Originally Posted by will76
you told me you were on your wife's group plan, so you wont have to give up the cigs ;) If you really didn't have health insurance you shouldn't have to make the govt force you to get it. If you don't have much in assets and you feel like fuck it, what do i have to lose, I wont pay for health care and take that money and blow it on a nicer apartment, or booze, or cigs ;) then why not if that is your mentality, you really don't have anything to lose. You end up in the hospital with no insurance and a 100K bill and you just dont pay. If you have no assets then what can they take from you.
BUT if you do have assets, like a house then you crazy not to have health insurance. (see my link in sig) If you try to build wealth (home, investments, anything of substantial value) then the first thing you need to do is make sure you protect those things. Its like driving 100K car with no car insurance. Would you do it? Remember, you don't need to get sick to end up in the hospital, some drunk idiot can crash into you on the highway. Also, if you have a family, (wife and kids) with no insurance, but have assets, those people are even more crazy, because their exposure is a lot higher. Lot better chance with 3,4,5 people of one of them getting sick or into an accident.
The govt will bail you out if you are irresponsible and poor, but if you are just irresponsible and you have money (assets), they wont help you until every last penny of yours is gone, then they might help you.
Health insurance is not THAT expensive, I just helped a family of 5 (3 kids under 15) get a high deductible plan for less than $350 a month. It is very expensive if you go low/no deductible, but IF you were to get hurt/ill as long as you could pay the deductible you at least can cap your medical bills at say 10K instead of it potentially being millions and bankrupting everything you worked for.
I'm familiar with the donut holes, there is a gap if you spend between say $2,000 and $7,000 on prescription meds on medicare then you pay 100% but over the $7,000 or so you pay zero.
I don't know how they come up with this shit, 90% to this amount, then 0% to this amount, then 100% from that point on...
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Yeap thought i was too till after we had our many nightly discussions and went digging into things. Alot of things you got me thinking about and made some very good points.
But think about it for a sec it took our conversations about protecting my assets,family and such and this bill to make me see the light. Im really surprised you are against this. I mean i understand no one like to be forced into things i know i sure the hell don't.
But this is actually better for me and my family...
Not all people who get assistance are irresponsible. I mean don't get me wrong there are ones that abuse the system. There are ones that will abuse any system that's out there for that matter.
You say health insurance is not the expensive. Let me ask you this if you are making $15 a hour you really think you can afford to kick up $350 a month for heath insurance and provide for a family? no way whats taxes are like 20% or so. So 20% of $600 a week is $120. Then you got to take another $87.5 out to cover you health insurance. So now you have brought home $392.50 a week home and $1570 a month. Can you live of of $1570 a month? I know i sure cant my bills run $2700 a month. Buy the time you buy gas,food and rent you broke so were is the American dream? Thu good incomes for folks like you and myself its a reality cause we live it, For most folks its a dream they will be chasing for a life time. guess what my point is the system is setup for you survive and not for you to live like you want.
To actually get ahead in life you need to be in the right place at the right time, Know the right people, learn from the right people and associate with the right people and have serious luck if you wanna really get ahead. I keep my network of people i associate with
to a minimum. You are one of only 7 i believe i have met in person in the last 10 years of doing this and we became good friends. Alot of people don't and wont ever have the chances we had.
Just asked the wife here company just moved the donut hole up to $2830 then the next $4k the patient has to pay. After that they are considered catastrophic and they are covered once again.
So if i can live the American dream i have no problem paying a little more so someone out there has a better chance at life. We as Americans care more about a value on a dollar then we do human life and that's a shame
Also why is it that's its mostly folks who live in the rural area are opposed to this bill the the inner city people? But that's a conversation for another thread
