James C Chandler Jr said:
[QUOTE]James C Chandler Jr said:
Paul, except in Massachusetts, health insurance is not mandatory, and it should stay thataway. Charity is also not illegal, even in MA. So there's no reason some folks can't get a free ride, regardless if health insurance is mandatory.
I hate to pop the bubble on this idealistic picture, but relying 100% on charity is one of those things that sounds nice in theory but doesn't cut it in real life. 'Coverage optional' only makes sense in countries where healthcare is so undeveloped and cheap that it doesn't matter, or if the person is rich enough to self-insure. Otherwise it makes absolutely NO sense.
Folks have lived productive lives and garnered as much happiness as they could manage without 'free' govt healthcare for only a couple of million years.
Well in those days healthcare likely consisted of little more than laying the patient out as food for the saber-tooths and cave bears. I think we're aspiring to something a little higher now.
It is neither your business or my business whether someone above the poverty line decides to buy insurance.
No. Wrong. It becomes my business when he has an accident and I am coerced to foot his hospital bills, not because he was poor but just because he chose to be irresponsible and 'opt out' and goes bankrupt the first time something happens. Where his 'freedom' takes away my freedom, that's where it becomes my business. I have freedom too, he doesn't get to take all of the freedom and leave none for the rest of us.
I suppose an elegant solution would be for all of us to 'opt out' of health insurance, and then watch all the clinics and hospitals become insolvent.
A fellow of basically good health pays $5000 a year insurance from age 20 to age 60 with minimal doctor visits, then he drops dead from a stroke.
Alternately, the fellow puts $5000 a year into his mattress from age 20 to age 60 and drops dead from a stroke, leaving a much happier grieving widow with $200,000 to help her find some young handsome boyfriend .
Of course in the real, non-idealistic world, he puts $5000 a year into his mattress and trips and gets a head concussion and a broken arm and $200,000 in doctor bills somewhere in the middle of that time span. And heaven help him if he has kids -- you've got baby delivery, ear infections, play injuries, etc. He has a stroke or something, spends 2 weeks in ICU accumulating expensive charges, and dies leaving his wife destitute and bankrupt with bills still unpaid, with you and me paying for it with a higher charge for our next service, all so he could save a few bucks that went up in smoke anyway.
Inexpensive high-deductible Catastrophic Major Medical + Medical savings acct-- The lucky guy ends up with a nice kitty to leave to the missus and kids. The unlucky guy has a wad of money saved up when he starts coughing up blood, so he has plenty of money in the bank to augment his high-deductible cheap insurance.
Actually both of your guys were 'lucky' versions, both in a fairly idealistic and atypical scenario where a person dies quickly with minimal health bills and never has any unfortunate events in a 40-year span. A little far-fetched I'd say.
The fellow who neither saves or buys insurance-- Well, that's just too bad, grasshopper. Sorry bout that!
Too bad for you and me, 'cause that's who pays for it after he gets discharged and goes into hiding. I still don't get how that sort of collective misery equates to 'freedom'.