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Originally Posted by Orruar
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Is this kind of logic the same as saying income taxes are voluntary, because you can always decide not to pay them and just go to jail and then pay fines instead?
I have health insurance through my job that only costs me like 3% of my paycheck, but even I have thought about just dropping it altogether, as I'm young, healthy, and take good care of my health.
I really just want a plan that covers disastrous and crazy expensive things like getting hit by a car. You know, how every other form of insurance is structured. Unfortunately, Obamacare just adds to the various mandates of little piddly shit that insurance is now forced to cover.
Can you imagine how expensive car insurance would be if it was mandated to cover gasoline, window tinting, and every knick and ding? Not only would you pay more as the insurance company would take a little extra profit on every gallon of gas, but everyone would be going in for every minor little car problem and driving up the cost for everyone.
Seriously, make it legal and tax deductible to hold an insurance plan that only covers the super-rare and insanely expensive events. If I break an arm and need to pay a few hundred $ out of pocket, I'm cool with that.
You know why such plans are not legal? Because then they couldn't fuck over us young people to pay for all the bad health decisions made by the older generations.
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I mean, these already are going to exist. They're referred to as "catastrophic plans". Basically you pay a much lower amount, and instead you get a higher deductible, but still get preventative care, and coverage in case of some crazy high medical expense.
http://obamacarefacts.com/obamacare-...ance-rules.php
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Catastrophic plans have lower premiums, protect against high out-of-pocket costs, and cover recommended preventive services without cost sharing—providing affordable individual coverage options for young adults and people for whom coverage would otherwise be unaffordable.
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http://www.cnn.com/2013/09/26/health...ent/?hpt=he_c1
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Catastrophic insurance covers three doctor visits per year at no cost and preventive care such as screenings and vaccines. This plan will carry a higher deductible.
All plans bought through the exchanges must offer the same coverage benefits. All offer free preventive care. Nearly all cap out-of-pocket costs to $6,350 and $12,700 per family. No one can be turned away. No one will be penalized because of their gender (women often paid more in the old insurance system). Only smokers may be penalized in some plans and some older people may pay more.
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They're essentially targeted at young individuals who don't need to spend thousands of dollars a year for health insurance they may, or most likely will NOT need to use.
A good site with comparison info to the other lowest plan (the bronze tier) can be found here:
http://health.usnews.com/health-news...alth-insurance