Don’t Buy Health Insurance Until You are Sick

From Martin Feldstein:

A key feature of the House and Senate health bills would prevent insurance companies from denying coverage to anyone with preexisting conditions. The new coverage would start immediately, and the premium could not reflect the individual’s health condition.

This well-intentioned feature would provide a strong incentive for someone who is healthy to drop his or her health insurance, saving the substantial premium costs. After all, if serious illness hit this person or a family member, he could immediately obtain coverage. As healthy individuals decline coverage in this way, insurance companies would come to have a sicker population. The higher cost of insuring that group would force insurers to raise their premiums. (Separate accident policies might develop to deal with the risk of high-cost care after accidents when there is insufficient time to buy insurance.)

In an attempt to prevent this, the draft legislation provides penalties for individuals who choose not to buy insurance and for employers that do not offer health insurance. But the levels of these fines are generally too low to cause a rational individual to insure.


63 Responses to “Don’t Buy Health Insurance Until You are Sick”

  1. 1 Melissa Alexander November 10, 2009 at 1:54 PM

    Health insurance is a big joke if you ask me. I pay a real pretty penny every month for my family of 6 to have health coverage. However, this whole….”in your network” thing is ridiculous. So if I take one of my kids to the ER at the hospital IN my network…however the ER doctor is not….i pay SO much more….WELL, where in the hell is the damn sign that lets me know who is and who isn’t. ALso, why are “some” procedures covered and other not….I pay my co-pay….I pay my deductible…and yet…I have to pay more because a certain procedure wasn’t fully covered….AND why in the hell does the billing dept. give a break to the insurance company and not to us…the people who pay their insurance. UGH…I think that no matter which way you try to lower health insurance….we, the people, get screwed either way. That’s my little tid bit for ya.

  2. 2 Kaitlin E November 10, 2009 at 6:55 PM

    Why do the legislators not recognize this key problem that arises when you force insurance companies to insure those with preexisting medical conditions? It seems obvious that many people will then wait to buy insurance until they need it, rather than pay the high costs regularly. I am curious as to what the counter-argument to this article would be, as it brings up a very good point.

  3. 3 Remy Smith-Lewis November 10, 2009 at 7:34 PM

    We all need health care i feel to meany people worked to hard to build this county and we deserv it.

  4. 4 Maria Rogan November 11, 2009 at 1:27 PM

    Health care is very important. Without it, medical bills would be huge. I’m not sure if it is good to wait to get health care until after you are sick. Also, health insurance is expensive and it is hard for some to afford it. My opinion on this article goes both ways. I would think people would want to be prepared with insurance before they got sick. However, this article does bring up a good argument.

  5. 5 Madiha Shahid November 11, 2009 at 6:25 PM

    I absolutely agree with the points mentioned above by the others. And there is no doubt that whatever plans government make and implement, the fact is that at the end of the day who suffered all the consequences for their actions are people, especially in need.
    Just suppose if people can buy insurance right at the moment of need, and imagine how much these insurance companies going to charge us? Its feels like government is quite optomistic in terms of giving benefits to people and its consequences.

  6. 6 Jennifer Tarbell November 15, 2009 at 3:15 AM

    plam and simplw we should have universal free health care. as the riches & mosttechnically advanced country in the world we should be able to offer that to our citizens. its a joke that there are other countries less off than us and have had this emplimented decades ago. although the idea of only paying for helath insurance really urges you to get out the calculator we have to be realistic, it will never happen. as a all or nothing community we will never have that idea agreed upon unamimously/ not ot mention that many medical needs are sudden emergencies and accidents and though it says a penalty price would be determined for such instancesm it would probably be astronomical. considerin they got to get you somewhere. and an insurance company isnt goin to have a 24 hour hotline waiting for you to get sick. but trust me as someone who seemed to be a perfectly healthl\y 19 year old that was diagnosed out of no where with a nerological disorder that its better to have it and not need it than to need it and not have it.

  7. 7 Jennifer Tarbell November 15, 2009 at 3:15 AM

    plan and simple we should have universal free health care. as the riches & mosttechnically advanced country in the world we should be able to offer that to our citizens. its a joke that there are other countries less off than us and have had this emplimented decades ago. although the idea of only paying for helath insurance really urges you to get out the calculator we have to be realistic, it will never happen. as a all or nothing community we will never have that idea agreed upon unamimously/ not ot mention that many medical needs are sudden emergencies and accidents and though it says a penalty price would be determined for such instancesm it would probably be astronomical. considerin they got to get you somewhere. and an insurance company isnt goin to have a 24 hour hotline waiting for you to get sick. but trust me as someone who seemed to be a perfectly healthl\y 19 year old that was diagnosed out of no where with a nerological disorder that its better to have it and not need it than to need it and not have it.

  8. 8 yvonne November 15, 2009 at 9:03 PM

    I’m for universal health care. Everyone in our country should have the opportunity to have a healthy life. I don’t believe allowing those who have existing medical conditions should matter, saving a life should be. Helping those less fortunate than us is of importance to me and I don’t have much. I just don’t see what everyone is so afraid of. Is it because it will bring those doctors or nurses who are making millions off of us will now have to live below their lavish lives? I thought the whole thing about helping people was within a persons heart not their pockets.

  9. 9 Ruby S November 18, 2009 at 1:45 PM

    I’m not sure how I feel about this. Looking at the big debate over whether we should have universal healthcare, it doesn’t seem that this would solve any problems; people are still going to be charged a ridiculous amount of money when they get sick.

    However, this may be a step in the right direction because it seems that a lot of people are denied healthcare altogether just because they are considered ‘high risk’ patients. If healthcare is offered to everyone, even if they do have to pay, at least people are going to be able to get the care they need.

  10. 10 Samantha Vavricka November 18, 2009 at 2:21 PM

    I would have to agree with the article. What incentive would you have to obtain insurance while you’re healthy when you know you can get it as your health declines. I do believe something needs to be done, since the uninsured are the ones causing the higher medical costs which in turn cause higher premium rates.

  11. 11 Jonathan Walden November 19, 2009 at 9:41 PM

    I totally agree with the point mentioned in the above article. To me, this is just like any other sort of insurance. You cannot buy car insurance right after you get in a car accident and expect it to be covered. I feel that people should rather be safe, than sorry in a situation like this.

  12. 12 Carling November 21, 2009 at 4:22 PM

    I think that issue of “Universal Health Care” is a very complicated matter. No matter if it is passed or not there will always be people unhappy. My father is an anesthesiologist and I have had several talks with him about the pro’s and con’s of Universal Health care and there are numerous things that need to get sorted out.

    But back to the article, I think that any sort of insurance is worthwhile. Jonathan took the words right out of my mouth! “Better safe than sorry.”

  13. 13 Karla Martinez November 21, 2009 at 9:31 PM

    I don’t see how anyone would benefit from this system. If insurance companies are forced to insure people with pre-existing conditions, then the price of the premiums would go through the roof. This would affect the public that can’t afford insurance as it is priced with the current insurance system, so it is highly unlikely that they could afford it in the event that this method were inforced. People with health insurance are more likely to attend regular check-ups, so I would assume that those who would prefer to go uninsured would not still see a physician regularly if they didn’t have an insurance plan at all times that would cover or require these visits.

  14. 14 David Perez November 22, 2009 at 9:27 PM

    This whole health care debate stems down to each individuals ideology. I, myself, am not for any kind of socialist “universal healthcare”, but I acknowledge that people have the right to medical treatment. Nonetheless, this utopian belief that health care should be cheap, free, and available to all is not a burden we should put on our government right now. If universal healthcare was implemented, expect huge waiting lists for care and visitations with specialists, lack of sophisticated medical equipment, and raised taxes.
    I agree with the fact, however, that insurance companies cannot deny coverage to anyone with preexisting conditions. It is not a persons fault for having a disease or disorder at birth. A better way to reorganize the insurance companies, are to grant lower premiums to people who stay healthy (as an incentive). This may encourage more individuals to partake in healthier lifestyles. On the contrary, insurance companies should have a reserve that can go to the elderly and the chronically ill who need it the most.

  15. 15 Ciara Pedroncelli November 26, 2009 at 12:41 PM

    This is a very interesting article. After so much talk of healthcare, sometimes I wonder if there is any solution or way to actually provide healthcare for everyone. What do other countries do, like Canada, who have universal healthcare? I think we need to research other countries to see what we are doing wrong. I agree with this article that it would make sense for families and people not to buy the health insurance because they would be saving money but I am not sure. I feel like there would be a lot of families that would still keep their health insurance, no matter what, to be sure that their families are ALWAYS protected. I feel like issues would arise if they waited until someone got sick. I know if I had the money I would always keep my health insurance because you never know what can go wrong.

  16. 16 Anna Hernandez November 28, 2009 at 8:37 PM

    if only the sick had insurance, the amounts their bills would be and their deductible would probably be incredibly high. the line and criteria to be classified as “sick” would probably be incredibly detailed as the criteria to be classified as “healthy” is today. either way, there will be certain categories patients might fall under and not everyone will be accepted. those who are not accepted will put on a fight. either way, not everyone will be happy with “don’t buy health insurance until you are sick.”

  17. 17 Nubia Cazares November 29, 2009 at 12:37 AM

    I am all for universal health care. I think its a right that everyone should have access to, but people who have pre existing conditions shouldnt be reprimanded either. They should be covered and I do not think that people would be less inclined to get health insurance I think it would overall be a plus for the economy and most importantly for society.
    Many people will always try to find a way of finding a negative for equality for all. But in the long run I think it will be an advantage. I do not think people will not buy health insurance I can see the authors perspective on the issue but health insurance isn’t just for big illnesses it can also help with medications and people are not going to wait until they are dying when they can easily get health insurance and take the medicine, that is the advantage of universal health care.

  18. 18 Hyo Kim November 29, 2009 at 2:15 AM

    Suppose we can buy and use the health insurance at the time that we needed, I am sure the cost will be ridiculously expensive.

    Even if we have the health insurance, it is still costs a lot to
    go to hopital and get checked.

    Before, we determine easily this as a benefit for us, we should consider more for how much it would actually cost if we do it by this way.

  19. 19 Evan Schlinkert November 29, 2009 at 11:44 AM

    I don’t like this idea of paying for insurance only when you are sick. People go through times when they are financially sound, and then they are not, and if you are sick when you are not in the “financially sound” period you aren’t going to be able to pay for that insurance. Overall I feel that in our economy today this wouldn’t be the best course of action, but when we stabilize there is a chance something like this will work.

  20. 20 JoAnn Reynolds November 29, 2009 at 1:30 PM

    I think that the “idea” of health care for all appeals to everyone, however I can also see where this could cause the rest of us who already have insurance to suffer. I am in a unique position in that my little sister has a pre-existing condition that is disallowing the insurance she is trying to get from allowing her into the plan, however she is pregnant and I believe she should be allowed to buy coverage if for no other reason than that. I have coverage through my husbands job and can relate to the pre-authorization and in the “network” comments in some of the other posts. So what is the answer? Who really knows. I think that it will take more than a few months of calculations and planning to figure this one out and that the government should not rush to judgement but eventually do judge.

  21. 21 Kaleen Scott November 30, 2009 at 7:59 PM

    Healthcare is such a depressing topic right now. I just became eligible for insurance through my employer and asked the question whether, or not our coverage was good. My boss assured me it was better than most out there, but what I didn’t know was that it was still terrible. I’m paying over $100 monthly for coverage, but still having to pay the first $1000 of any doctor’s visit bill. I simply cannot afford this, especially right now, and am considering being uninsured until things get better.

  22. 22 Kathryn Koller December 1, 2009 at 1:11 AM

    This is an interesting idea. I am torn on whether to like it or not. I like it because i don’t see why you should have to pay for something when you don’t use it daily. However, if you just buy insurance when you need it then it becomes critical and you have to get whatever is out there at the moment and it may not be what you want. And what if you don’t have enough money when you really need the insurance? I like Europe’s way of just having higher taxes and then everyone gets taken care of. There seems to be benefits of not having to worry about health insurance. Would things take longer to get okayed by the insurance company or would you have to be suggested to get health insurance by the doctor?

  23. 23 Heinrick Devera December 1, 2009 at 8:27 AM

    This is a really interesting topic. Before I used to think that insurance is just people taking more money out of other people’s pockets. Now I see it as a lifesaver, especially when it comes to health care. Yes it can be pricy, but that’s why people manage their money and cut back on other things. Health care is really important, especially those with their own families. You can’t predict the future, but you can prepare for it. If you get into a serious car accident and you have no health insurance, your family will be the ones to suffer not only emotionally, but financially too.

  24. 24 Michelle Benton December 1, 2009 at 1:19 PM

    I don’t think the whole system has to be revamped in order to make it work better. Why not have SOME regulation on all the private health insurance companies. Regulation that helps them do the “right” thing in all cases. Regulation that will even out the costs for everyone but still allowing individuals to have the control over their healthcare…to a point. Americans are in general hypochrondriacs in my opinion. I can’t tell you how many coworkers and friends who have insurance use the crap out of it becasue they don’t see the bill. Yes, if you are paying to have it, use it as often as you need it, but overuse is contributing to the high costs. If you are tired and lathargic, go excercise. If you are having indigestion, quit eating crap. If you are mildly depressed, lighten your stress load and take some time for yourself to figure out why. Why is running to a highly paid busy professional who is going to tell you the same thing going to do more for you than listening to your own body for a time. We as Americans need to become more healthy in general and face our bad health habits instead of going to a doctor to make excuses for every little thing that is wrong with us. Medicine is a business, just like dentistry, and just like pet hospitals. If they can eak another $80 checkup visit out of you, they will. If our insurance wasn’t paying that $80 and it was coming out of our pockets each time, we would use a little more common sense when deciding to go to the doctor.

  25. 25 Jacqueline Guerrero December 1, 2009 at 4:23 PM

    I dont know how to feel about this article. I understand that people dont use there insurance everyday but I think it’s better to be safe than sorry. But in contrast, I understand what the author is trying to convey about health insurance. I feel that if there is going to be some healthcare reform then the government should be cautious about how they go about doing it.

  26. 26 Taylor December 2, 2009 at 10:36 AM

    I am still under my mom’s health plan. I have benefits through my job, but I dont use them because i am fully covered by my mother and step-father’s benefits. I dont really pay too much attention to these health plans, however, i do think they are very important, and should be available to everyone at low costs. someone above mentioned other countries that have free health care, and i agree. our country is advanced enough to implement such a thing, but that wouldnt be the American Way. we are all about our dollar bills!

  27. 27 Nick Pasquale December 2, 2009 at 4:30 PM

    Health Care is basically a lose/lose situation. Hospitals cannot decline service to anyone, so if they give service to a patient that does not have health insurance, it is other people that do have health insurance that are paying for the patient’s treatment.

  28. 28 nicholas joy December 2, 2009 at 7:57 PM

    if allowed to do this then what would keep anyone from canceling and adding insurance as needed. i feel that it should only be able to be added for already sick people as long as they haven’t canceled on previous coverage with in a certain time frame. otherwise people will just add the coverage as needed and then huge loses in jobs would occur in the insurance market.

  29. 29 Nubia Cazares December 2, 2009 at 8:00 PM

    I certainly think that the idea behind universal healthcare is great. It has great intentions. Ideally it would be amazing if everyone had access to healthcare, but the reality of it is unrealistic in a sense. Many times the government promises certain things and yet has a hidden agenda that the public had no idea about. I see healthcare as a human right, everyone should have access to it and nobody should be discriminated, but it will definitely have its flaws. Many speculate that having a government run healthcare will not help the economy at all, that we would benefit ten times more but allowing it to continue in the free market. Others argue that it is a form of socialism. I am on the fence on this issue ideally it sounds great but the details and conditions make it something to definitely think about.

  30. 30 eldiel December 2, 2009 at 10:14 PM

    I’m for universal heathcare as well, execution on this plan on the other hand is just a dream. At least for now. Heathcare as is now, sucks, because somethings aren’t covered even though you have to pay. And since hospitals can’t refuse service what are you supposed to do, since your heath is more important than anything. Universal heathcare would appeal to nearly every aspect of society.

  31. 31 Matthew Abang December 3, 2009 at 2:15 PM

    I disagree with the claim that one should buy health insurance when they are sick. We never know when we will have an accident or become ill. Of course, let us hope that none of those things happen to us. Like the old saying goes, it is better to be safe than sorry. The American system is good in which anyone who needs treatment is not turned away. This, however, can cause higher rates for those with insurance. Everyone should be able to have good care, but the government is not the one to be providing it.

  32. 32 Britany Linton December 3, 2009 at 9:31 PM

    You just never know when something bad is going to happen. You can’t bank on being healthy and then expect to have coverage when you need it the most. even though health care is expensive it is worth every penny if something bad were to happen.

  33. 33 Jorge Clavijo December 4, 2009 at 5:33 PM

    For the poor it will be batter if we have an Universal health care system; for those fortunate ones, who are delighted by their degrees in education, is a minus for their income. Until you don’t decide in which side are you in for, you wont be happy with their decision. However, in my opinion, we all should have universal health care in the United States.

  34. 34 Angela December 4, 2009 at 6:15 PM

    I know health insurance is expensive but if you are sick or have an accident, all the money you were saving while not paying for insurance won’t be enough for medical expenses.

  35. 35 Jordan Premo December 5, 2009 at 11:07 AM

    This health care bill is such a joke. If it passes I really think the government is going to have a lot of angry americans to deal with. For instance my dad works really hard and he receives health insurance through his work, which he pays into, which is about $7,000 a year, through his hourly wage. Because my dad is “privileged” to pay for his own health insurance he will be taxed an extra $8,000 dollars a year to pay for those who don’t get health care. So all together my dad will pay $15,000 a year because of this brilliant bill. People seem to have this sense of entitlement that because they live in America everything should come free. Well the people who actually work and pay taxes are the ones who make it free for all the freeloaders… these people are ruining America.

  36. 36 Francine Zumbo December 5, 2009 at 3:05 PM

    I understand what the author is trying to tell us but I am not sure I agree. I feel it is better to have health insurance just in case their is that one time you really need it. Also if you have kids, it is better to have it especially since kids are always getting sick. I feel health insurance should not be taken lightly. Yes, we have problems with it but we should change it unless it is absolutely necessary. To me it is a basic necessity.

  37. 37 Justin Castro December 5, 2009 at 11:08 PM

    Although it may seem obvious that the worst time to buy health insurance is when you actually need it, this concept is not as clear to some as one might think. It’s always better to be safe than sorry, especially in a situation such as this. There is nothing more important in life than your health, and there should not be a price that you are unwilling to pay to preserve that.

  38. 38 Samantha Fagundes December 5, 2009 at 11:15 PM

    I don’t really agree with this article just because I think it is always good to have insurance and not just when your sick. It’s good to have something covered for you even if your not needing it all the time.

  39. 39 Vince Kaehler December 6, 2009 at 4:07 PM

    I believe the best method of health care is to start a kind of savings account so that you put a certain amount of cash into an account and if you stay healthy, then you don’t need to pay for anything. If you do get hurt you pull the money out of the account and then its there for you. in this way, if you stay healthy, you are able to keep your own money.

  40. 40 Margaret Garbo December 6, 2009 at 8:47 PM

    In the Philippines, health insurance is not exactly a big thing. Not everyone is willing to invest in it or just could not afford their expensive costs. Although this proposal is possible, I think that health care insurance is important for each person to have. It would be more beneficial for the person to be secure enough to have their bills, etc. be covered any time. It would be a hassle to have to pull out everything you have from saved income to your medical expenses. I think it is better to plan ahead and set aside money for it rather than using the money for something else and regret not having it especially when you need it.

  41. 41 Sarah Reddell December 6, 2009 at 11:00 PM

    I feel that buying health insurance only once you are sick is in a way cheating the system. This would cause an increase in the number of unhealthy insured people and would raise the cost of health care. I have always believed that if you consistently take care of yourself than you will be a healthier individual, and if you procrastinate things such as doctors appointments, when it comes time to taking care of your health it will be even worse. The ability to purchase health care coverage despite your quality of health seems like a bad idea.

  42. 42 Lukas Bradvica December 6, 2009 at 11:12 PM

    I am split on this article as health insurance is needed. Everyone should have health insurance, but if your able health insurance when your sick then it could affect the companies. The companies could be negatively affected if health insurance can be bought when you need it the most.

  43. 43 amos mccray-goldsmith December 6, 2009 at 11:38 PM

    the whole idea does not seem like it would work. the issue being that the insurance companies still have major costs that are covered by everyone who pays for the insurance and if half the people stop paying because they are not sick, then the money needed to keep the firms going would be passed onto the peolpe who are pying. this would effectivly double the rate of what people are paying and would not work at all.

  44. 44 Chris Griffiths December 7, 2009 at 1:35 PM

    I have noticed that several people have mentioned that we should have “free universal healthcare”… well i’m sorry but no country in the world has “free” healthcare. Their healthcare is paid for by increased taxes on the general population so that if you want your health care to be “free” like you claim theirs is you can expect to have smaller pay checks due to higher taxes.

  45. 45 Josh Highness December 7, 2009 at 1:51 PM

    This seems it would only be once facet of the Obama’s health care reform plan. After a period of time private insurers would suffer considerably and hopefully by that time there would be a centralized health care system that operates a little more effectively. The in between time period of private and public insurers however would put people who constantly need coverage at a disadvantage (like myself a type I diabetic) since the premiums for health insurance would go up to try to buoy out the “pay as you need it” population.

  46. 46 Anita Haas December 8, 2009 at 9:19 AM

    There seem to be some flaws in this health care bill. If insurance companies have to cover people with preexisting health problems, who is footing the bill? People that arent sick will not want to pay for health insurance if they dont have to and will most likely drop their coverage which will in turn make health care rates rise to cover the people that are sick.

  47. 47 wallacej December 8, 2009 at 4:47 PM

    Health care seems to always come up in debates. i believe everyone needs health care. Some countrys provide free heath care.You must pay for insurance in order to be insured. I dont really know how to solve the problem of health insurance but it is interesting to see other peoples ideas.

  48. 48 Alejandro Plascencia December 8, 2009 at 6:50 PM

    There is nothing more important than your health and if you can afford health insurance but don’t have it then you dont look out for your own future. Having medical health insurance for everyone is a great idea but it is not realistic. And there are people who can’t afford it and I think health insurance should be free and not reject people because of not having it.

  49. 49 Stephen Cassinelli December 8, 2009 at 7:32 PM

    When dealing with health care there should be no debate, everyone should have it. I disagree with the idea that people should only get health care when they are sick. Earlier, someone made a interesting comment about health care and ones own finances. If someone who struggles with money is not able to afford health care until they are sick, is a much bigger risk because it is better to be safe than sorry and always be prepared.

  50. 50 Vina Giang December 8, 2009 at 8:06 PM

    Your own well being is very important, one of the necessities in life is your health, soo of course people are willing to spend big bucks on it, so i think it is good that they are making health insurance companies take people even they are in a bad health condition.But i still think everyone should be provided with free health insurance, i mean how can one of the richest countries be so cheap in providing health’s just a sad thing to hear.

  51. 51 JamieB December 8, 2009 at 9:13 PM

    I agree with Stephen. Too many lives are ruined each year because they don’t have health care and they have to spend their life savings on the hospital bill or in some cases even die because they can’t afford it. Health insurance SHOULD NOT be about making money. It is not right for health insurance companies to put prices on people’s lives as if they were an object to make money. This article makes me sick, the fact that the bigger problem is facing larger premiums. I think the larger problem is people not having health insurance in the first place.

  52. 52 Kyle Ray December 9, 2009 at 12:26 AM

    This is why a compromise-hybrid plan wont work. If you want to have universal or socialized healthcare you’ve got to go all the way. If the government was providing healthcare to everyone than this problem wouldn’t even arise. The problem comes when the government tries to make it so everyone has healthcare– but wont do it themselves. That being said I completely agree with JamieB– “Health insurance SHOULD NOT be about making money”

  53. 53 Nubia Cazares December 9, 2009 at 10:03 AM

    I think that the idea of universal health care is great. Everyone should have access to at least basic health care but I also think it should be a choice. The government shouldn’t force people to get it and they should not penalize people who don’t want it. This is completely ridiculous and getting out of hand. As I mentioned before I think that everyone should have the opportunity to get health care but not like this. And just to add on top of that the government has been promising many things and has not really followed through with it there fore I think that the way that this health care reform is going to be administered and dealt with is just going to lead to bigger problems in the long run.

  54. 54 Kirstie Scott December 9, 2009 at 4:46 PM

    I am going to have to respectfully disagree with this notion of only buying healthcare when you are sick. Maybe it is because I am not a risk taker, maybe it is because my parents are doctors, maybe it is because of something else, but doesn’t that defeat the whole purpose? Isn’t healthcare for before you get sick? I don’t think that people take their bodies seriously enough. Everyone wants to drive the newest cars and buy the nicest clothes but does not want to shell out that extra money for their health.

  55. 55 Broderick Nickelberry Jr. December 11, 2009 at 2:10 PM

    Health care is really important. However how they are doing things is weird to me. If they are giving out free health care to people that don’t have it and tell the people with it to keep paying what they are for it. I just believe that’s wrong. If you are giving out free health care why not be fair and give it to everyone? Then there would be no problems like Canada.

  56. 56 Charles McNeil December 12, 2009 at 8:07 PM

    Haha… I’ve thought about this before. I was working a job for a few years & was supposed to be getting health insurance, but for some reason was being made to wait. My employer was offering some subpar insurance in exchange for a decent portion of my meager paycheck. I had been healthy for a long time, so I declined. But I was on high alert for illness, just in case I could sneak myself into a policy in the nick of time.

  57. 57 Hayden Scott December 14, 2009 at 1:41 PM

    I agree with the first poster in that the idea that health care must be handled through insurance is a joke. Insurance has always been best for unexpected catastrophic failure. Almost all economists I have heard talk about the subject point out that there are a few problems with it: the ability to predict health failure, the greater likelihood of failure at old age, the fact that unlike cars and homes, which have tiered insurance schemes for pricier products, one is stuck with whatever body they have, and the difficulty of human psychology to respond to the abstract incentives that having a physically healthy body might entail in comparison to the more sensitive understanding one has of pricing and private property damage.

  58. 58 TTS06 December 17, 2009 at 3:25 PM

    if you wait until you are sick to buy health insurance most likely you won’t get it, or you will be charged if they can prove you were sick before the policy went into place.

  59. 59 Econ Consumer February 3, 2010 at 6:01 PM

    I can’t believe all the controls of health care are given to the insurance companies, what about the people paying for the premiums or monthly health costs. I blame not only the insurance companies and healthcare services although the insurance companies charge them ridiculous prices to insure their facilities and liability. The outrageous prices the hospital charges. Hospitals I am sure received discount on their quantity of ordering of supplies but continue to bill with high prices. What happened to the way we used to have insurance where people paid the premium and received service from whoever they wanted. I hope Congress does pass a bill to help the people. Stop the insurance companies from denying individuals medical insurance coverage.

  60. 60 Tiffany Hagewood May 2, 2010 at 9:59 PM

    Geez…. because of my current financial situation I am not able to afford health insurance. That’s just the way it is. I don’t think I qualify for government aid either. I have just learned to live with it. Luckily I don’t have any pre-existing medical conditions so I’m able to reaply for coverage and receive coverage when I can afford it. I can’t imagine not being able to ever receive coverage again due to a “pre-existing” condition. I don’t think that all American’s would abuse the new health care system. I think that the kinds of people that would abuse it would be the type of American’s who continue to live off of unemployment insurance and SSI just because they are lazy and in no better words do not want to go look for a job.

    Having said that I think ALL employers should be fined that don’t offer health insurance. (I’ve never worked for one that actually did offer it!) The fact that I could be potentially fined for not paying for health insurance is outrageous! I can’t afford it for a reason and no matter what fines the government threatens me with, I’m still not going to be able to afford the fines or insurance for that matter. Just add it on the top of my debt and see when you get your money.

  61. 61 Jessica Opperman May 3, 2010 at 6:25 PM

    I don’t agree with this article I think we all need health insurance. Health care is very expensive and insurance helps a lot when needed. I think we should all have health insurance because you never know what could happen. For instance if you are in a car accident or suddenly ill, you have no time to get health insurance or would you be able to predict something unexpected would happen.

  62. 62 Melissa Moylan May 6, 2010 at 7:49 PM

    This article is ridiculous. Everyone needs health insurance because no one knows what will happen in the future. Health care is extremely important in my opinion. Most employers offer health insurance and if they dont they should be fined.

  63. 63 Colette Whitney May 18, 2010 at 5:37 PM

    I don’t like this article because i feel like it is missing a lot of facts. Like somebody said before I would like to see the counter argument, I think it would blow it out of the water. What makes this argument very weak is that if you don’t have health insurance and get in an accident you can just snap your fingers and get health insurance that day. It is a lot more complicated than that. The company will also see what you did and charge you a lot of money. People that do not want to spend the extra money on health care show that they are cheap and uneducated. The author gives an example of a married couple that makes $75,000 if they do not have health insurance they save $11,500 a year. Ok well we are dealing with 2 people here and lets say that one or both get in a car accident, they will be paying a lot more without insurance, and even if they do buy it, if it is bad enough they will still be paying a lot more. Obamacare’s goal is for everyone to have good healthcare because it is something that everybody needs. The person who wrote this article should get more facts, and look at opposing situations before he decides to publish another article.

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