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Old 07-14-2013, 01:16 PM   #198
chiefzilla1501 chiefzilla1501 is offline
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Having worked in private sector insurance, I completely disagree with the premise that people can't afford insurance. The problem isn't they don't think they'll get hurt, so they don't feel like they have to pay for it. The same people who complain about these payments are often the ones buying expensive cell phones, houses they can't afford, etc....

The problem is and continues to be that those who are uninsured can still consume "insured services" like ER and in many cases, they don't pay the full bill. When young people do that, they become freeloaders and everyone who is legitimately paying into the insurance pool suffers. That's a big problem.

Insurance is about spreading risk. Imagine how expensive car insurance would be if you took all the safe drivers out. Why do you think insurnace companies are spending a shitload of advertising dollars to talk about safe driver rewards?


Quote:
Originally Posted by AustinChief View Post
I'm 1000% sure on this.



Nope. For healthy 25-34 year olds this is only adding cost to the system. The vast majority of them get no benefit from the preventative care you are talking about. Yes, we would be better off if they took care of themselves so that they didn't end up with problems as they got older... but please explain to me how Obamacare will force these people to change their diet or exercise more, etc? You have already claimed that they are short sighted ignorant kids anyway... how will giving them free access to doctors visits change that? You are ignoring human nature. As I explained way earlier, in a perfect hippie world where we all hold hands and do what is best... maybe... maybe you have a point. That isn't even close to the REAL WORLD. Unless of course you want Obamacare to MANDATE that these people go to the doctor X number of times a year AND we actively POLICE their behavior.

You are working off a ton of assumptions which go against every statistic we have about these people's behavior and choices. You can rant all you want that these things need to change.. fine... but Obamacare doesn't do a damn thing to make them change.
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