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Old 10-16-2013, 05:15 PM   Topic Starter
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Who Approves Of Obamacare?

Blacks: 91%
Hispanics: 61%
Whites: 29%


Source: Pew Research Center and USA Today survey conducted Sept. 4-8




http://www.bloomberg.com/news/2013-0...ical-edge.html
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Old 10-16-2013, 05:38 PM   #2
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Old 10-16-2013, 05:48 PM   #3
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Free stuff rules
What's free about Obamacare?
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Old 10-16-2013, 06:00 PM   #4
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Originally Posted by Deberg_1990 View Post
What's free about Obamacare?
Many people's care, if you're young and/or healthy you're getting ****ed. The single most offensive bit is the limit that says the most expensive premium can be no more expensive than 3X the cheapest one. So if you'd normally have an expensive premium then you're getting a deal in many cases.

If you were young and/or healthy you now have to pay MUCH more for your policy because the sickest are now paying much less. So the healthiest are now subsidizing the sickest.

That frankly is not how the system should work and honestly isn't scalable. Why would the young/healthy pay to subsidize the sick? The ONLY reason to do so is if you have significant assets that you can't afford to lose in bankruptcy.

If you've got nothing you're better off telling the system to go pound sand and pay the fine. Basically the best model for most people is to not buy healthy insurance when they are young and take their chances. Only when they get old enough or sick enough should they consider buying healthy insurance. AND since you can't be denied for preexisting conditions there's really not much downside to rolling the dice.

If you get sick you'll still get treated, you just may have to declare bankruptcy if you get really unlucky when you're young. But if you can put off treatment for a few months(or manufacture a life event like a job loss), you can then buy insurance when you get sick and you're all good to go.

Hell get really sick....quit your job(or get married)....have a 'life event' that allows you to now buy insurance from the exchanges and bam you're covered the next day. Why should the young and generally healthy buy insurance off the exchanges again? Because it's the 'right' thing to do?
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Old 10-16-2013, 07:10 PM   #5
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Originally Posted by CrazyPhuD View Post
Many people's care, if you're young and/or healthy you're getting ****ed. The single most offensive bit is the limit that says the most expensive premium can be no more expensive than 3X the cheapest one. So if you'd normally have an expensive premium then you're getting a deal in many cases.

If you were young and/or healthy you now have to pay MUCH more for your policy because the sickest are now paying much less. So the healthiest are now subsidizing the sickest.

That frankly is not how the system should work and honestly isn't scalable. Why would the young/healthy pay to subsidize the sick? The ONLY reason to do so is if you have significant assets that you can't afford to lose in bankruptcy.

If you've got nothing you're better off telling the system to go pound sand and pay the fine. Basically the best model for most people is to not buy healthy insurance when they are young and take their chances. Only when they get old enough or sick enough should they consider buying healthy insurance. AND since you can't be denied for preexisting conditions there's really not much downside to rolling the dice.

If you get sick you'll still get treated, you just may have to declare bankruptcy if you get really unlucky when you're young. But if you can put off treatment for a few months(or manufacture a life event like a job loss), you can then buy insurance when you get sick and you're all good to go.

Hell get really sick....quit your job(or get married)....have a 'life event' that allows you to now buy insurance from the exchanges and bam you're covered the next day. Why should the young and generally healthy buy insurance off the exchanges again? Because it's the 'right' thing to do?
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Old 10-17-2013, 04:34 PM   #6
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Quote:
Originally Posted by CrazyPhuD View Post
Many people's care, if you're young and/or healthy you're getting ****ed. The single most offensive bit is the limit that says the most expensive premium can be no more expensive than 3X the cheapest one. So if you'd normally have an expensive premium then you're getting a deal in many cases.

If you were young and/or healthy you now have to pay MUCH more for your policy because the sickest are now paying much less. So the healthiest are now subsidizing the sickest.

That frankly is not how the system should work and honestly isn't scalable.
Why would the young/healthy pay to subsidize the sick? The ONLY reason to do so is if you have significant assets that you can't afford to lose in bankruptcy.

If you've got nothing you're better off telling the system to go pound sand and pay the fine. Basically the best model for most people is to not buy healthy insurance when they are young and take their chances. Only when they get old enough or sick enough should they consider buying healthy insurance. AND since you can't be denied for preexisting conditions there's really not much downside to rolling the dice.

If you get sick you'll still get treated, you just may have to declare bankruptcy if you get really unlucky when you're young. But if you can put off treatment for a few months(or manufacture a life event like a job loss), you can then buy insurance when you get sick and you're all good to go.

Hell get really sick....quit your job(or get married)....have a 'life event' that allows you to now buy insurance from the exchanges and bam you're covered the next day. Why should the young and generally healthy buy insurance off the exchanges again? Because it's the 'right' thing to do?
I'm not sure why you say that's not how the system should work. It seems to me that the whole point of insurance is for the healthy to pay more than they need to so that the sick can get care they otherwise couldn't afford.

I enthusiastically agree with some of your other criticisms though.
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Old 10-17-2013, 04:39 PM   #7
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Quote:
Originally Posted by patteeu View Post
I'm not sure why you say that's not how the system should work. It seems to me that the whole point of insurance is for the healthy to pay more than they need to so that the sick can get care they otherwise couldn't afford.

I enthusiastically agree with some of your other criticisms though.
That's the way all insurance works, of course. See the Progressive "ratesucker" commercials about car insurance, where they make fun of the bad drivers driving up everyone else's rates.

The problem is this system was sold to us with unvarnished lies that it would drive costs downward, when for the vast majority of people, it will drive them significantly upward.

They took the delicate balance that already existed where the healthy subsidized the chronically ill, and pushed it over the breaking point.

Before, the sick couldn't afford to pay for their coverage, now the healthy can't afford it either.
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Old 10-16-2013, 07:12 PM   #8
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Originally Posted by Deberg_1990 View Post
What's free about Obamacare?
For some people, it's a great deal. Like any govt program there will be payors and beneficiaries.
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Old 10-17-2013, 07:35 AM
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Old 10-16-2013, 06:36 PM   #10
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Free stuff rules
I got my fool stamps and my bama fon.
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Old 10-18-2013, 11:45 AM   #11
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Free stuff rules
Obamacare is free? Sign me up!
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Old 10-18-2013, 11:46 AM   #12
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Obamacare is free? Sign me up!
Just quit your job and it is....also free money and an ebt card with no limit at participating wal marts.
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Old 10-16-2013, 06:05 PM   #13
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Old 10-16-2013, 06:22 PM   #14
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It makes perfect sense why blacks and most Hispanics would favor it.
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Old 10-16-2013, 07:02 PM   #15
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It makes perfect sense why blacks and most Hispanics would favor it.
why?
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