Skip to comments.What if I don't want health insurance?
Posted on 07/21/2009 6:23:32 AM PDT by jmcenanly
New York I'm one of the nearly 50 million Americans who don't have health insurance. I don't want it, either.
But the bill the House of Representatives is debating would force me to buy it. How good can any product be if Congress compels me to purchase it?
Politicians and interest groups have been trying virtually all my life to foist medical insurance on me. But their proposals rest on mistaken and even insulting assumptions.
First, they presume that everyone wants, needs, and should have abundant medical attention. But I come from a long-lived and healthy family, I've been a vegetarian since childhood because I've never liked the way meat tastes, I don't smoke, and I love to hike the more miles the better.
I am disgustingly healthy, so much so that the only doctors I see or try to: I'm near-sighted are ophthalmologists. Could I be hit by a bus tomorrow when I head out for my daily walk? Possibly. But that's such an unlikely disaster that I've chosen to spend my money on more personally pressing needs than medical insurance.
On the other hand, unlikely disasters do happen. So I might purchase catastrophic coverage if it were reasonably priced just as I might visit doctors for lesser complaints if their care were reasonably priced.
(Excerpt) Read more at news.yahoo.com ...
You don’t have the moral or intellectual ability to make that choice for yourself -
so sayeth the elitists.
Buy some damn insurance BEFORE you get sick or injured, so you don’t end up being some democrat poster child for the heartless US healthcare system
Hopefully she’s well healed enough that if she comes down with cancer etc she can pay for it out of her own pocket.
Becky could probably get a decent policy on her own for less than $100 a month, but it’s her choice. We pay $384 for a family of four with a 5K deductible.
What will happen to Christian Scientists who deny the existence of disease, and have set up a parallel system of treatment using Christian Science practitioners....and Jehovah's witnesses who refuse to accept blood transfusions?
How about those whose religion dismisses medical practice? Isn’t it somewhere in the Federalist papers about the separation of church and state?
well, there is the erroneous assumption built in that people that don’t have health insurance don’t have it because they can’t get it. The jerkoff Congressmen don’t even ask why the people don’t have it. Maybe they are self insured. A lot of companies are. Surely there are some who choose to be irresponsible and let it be someone else’s problem same as not wearing a seat belt. My mom used to pay my neice’s because her parents were too busy smoking dope to worry about health ins for their daughter. There are tons of people like that. The Democrats would like you to think those folks are worried sick about not have health insurance and they are working 2 or three minimum wage jobs just trying to get to where they can afford their house trailer, their used car payment and qualify for affordable health insurance, but that is a steaming load of delusion. many of them are “partying” “finding themselves” running through spouses, avoiding child support, trying to get over, etc.
Congress cannot compel you into entering a contract. 13th Amendment. United States v Reynolds. It’s “settled law”.
Christian Scientists will have the IRS on them. Get the popcorn.
I’m dying to know what they plan to do with the Amish, who are exempted from Social Security because their religion prohibits the owning of any type of insurance whatsoever.
Love to see the heavy hand of gov’t going after people in buggies.
I am so tired of news sources, including this one, who consistently repeat the faked statistic about the “uninsured!” Even if I support the Christian Science position on insurance WHY say there are “nearly 50 million!” IT’s totally false!
Becky, what happens when you have an accident (of your fault)and you are paralyzed from the neck down-who pays for your treatments and for future care?? What happens if you should have a stroke at age 48?? or need a transplant?
Oh I know, the taxpayer and other insured people who end up paying for your care when you declare bankruptcy
I bet I miss-read your post...popcorn for the battle, the loser, or the winner? Christian Scientists are not all celebrities......Their beliefs are as valid as any religious affiliation.
Then you will be killed.
I think obama adminstration did away with settled law- where have you been for the past 6 months when GM shareholders bit the big banana and banks were compelled to swallow debts and nullify employee pay contracts?
and again, I am sick of yuppies and muppies who pay more for cell phone service than a health policy and then- when the unplanned happens- they show up as “uninsured Americans” who think healthcare is their right when they get sick or injured and convince stupid voters we all have to pay for their shortsightedness.
They annnoy me as much as uninsured drivers...speaking of compelled contracts...
Soylent Green ring a bell?
This disgusts me.
The government should put poison in all the fruit and vegetables and the antidote in meat.
Why should she? She's rebelling against the sky-high costs which are directly related to Gov't intrustion in the health system.
In her mind (a very astute one judging from the article) to buy insurance now is to support the corrupt system.
Becky is choosing to live life the way SHE wants and it is no different than what you or I choose to do with ours.
Anne Coultler nailed it. If we want to by insurance, we should be able to buy what we need, when we need it, from whomever we like.
What's more, I should be able to accrue health benefit credits on a pro-rated system for what I do not use. Good grief, my car needs maintenance, I take it in to be fixed. I pay for it.
The problem with this whole facade is that for some reason, people have the notion that health insurance is the impossible dream. It should not be, and realistically, it is not.
It could be better than it is granted. My thoughts only
My workplace offers, as I suspect most of others offer, special cancer policies for extra $$$$$. Meanwhile, if I choose to have a drug problem by stuffing cocaine up my nose, treatment is 100% paid for-- even though I needed to pass a drug test to get the job.
Why such lunacy? Because the government mandated maximum drug addiction treatment but minimal cancer treatment for our workplace policies. And why did they issue such asinine mandates? I can only imagine it is because the druggie lobby is bigger and more powerful than the cancer patient lobby.
“Congress cannot compel you into entering a contract. 13th Amendment. United States v Reynolds. Its settled law.”
From what I’ve been reading, the way they compel you to get the government healthcare is that this healthcare bill not only sets up it’s plan but also dictates what Insurance Co. can & cannot do from here on out. For example you won’t be able to change your policy or add anyone, gov’t will dictate what will & won’t be covered etc. Just basically weeding out any competition so that eventually everyone will be on the gov’ts plan.
If you don’t get health insurance, you will be fined. Apparently you can opt out of having health insurance, you just can’t opt out of the re-distribution of wealth that’s built into the government plan.
I would like to buy catastrophic coverage but it is not available since I am self-employed and have Type 2 diabetes.
“I don’t want it, either.”
But, but...that’s completely unAmerican. /s/
keep lookin, there’s got to be somebody willing to take your money
I’m not Christian Science, but have not been to a doctor in decades, and hate the idea of being forced into Obama’s program.
Last week I fell off a ladder and crushed my left thumb. Now I have plates, screws and wires holding all that together. Providentially, I had one of the best hand surgeons in the country. I actually burst into tears thanking the surgeon for the medical care we receive in this country, and for the wonderful care I am receiving.
In these times I have contemplated what would happen to me under Obama care. You can’t wait a year to fix these things, and I am 61 years old, probably not worth repairing under his plan.
Oh, and it had nothing to do with good health!
Do you know what kind of debt we would have without insurance?
Every one has a cell phone. Even those living in the hood and drawing unemployment.
I wonder how the Amish are going to come out in this? They don’t believe in accepting anything from the government. Up around Smicksburg, PA they have a kind of festival every summer where they sell food and baked goods and auction of furniture and other stuff. They put the proceeds into a fund that they use to cover their health costs for their entire community for the year.
Oh please, She’s just a rebel against “the system”?
A healthy rebel.
How much do you want to bet that in her “very astute mind” if she gets breast cancer or gets disabled by a drunk driver, she’ll expect it is her right to stay alive at any cost and “the government” (you and me) should “do something” about what it will cost
Many of the people democrats use as poster children for the “problems” with our healthcare- are people just like Becky who have the money- they just don’t make health planning a priority. Then become martyrs when the unexpected happens. I’ve had it with them.
People’s “right” to not buy health insurance ends at my wallet. In this society, when they get sick (surprise) they either get treated and don’t pay the bill (which costs me more) or they demand healthcare as an entitlement (which costs me more)
Auto insurance is also very expensive. Should drivers be allowed not to buy it? Or just the ones who plan to be in an accident?
Noting your screen name, I can't help but wonder if you've so informed Mitt Romney and the MA legislature . . .
> The government should put poison in all the fruit and vegetables and the antidote in meat.
(giggle!) Now *that* is funny!
In New York, insurance costs about 8x more than just about anywhere else, do to some very idiotic laws in that state.
Many go without, or wait until something happens. Then, they buy insurance. This is routine in NYS.
But this is America, where we believe people can make choices, regardless of what WE who know better, would like them to do. Instead of nationalizing health insurance, or having a health insurance mandate, as you, tc65a, would seem to prefer, why are there no INCENTIVES to insure, eg tax credits or deductions, and why is health insurance tied to employment, instead of being portable?
That sounds dangerously libertarian. We can't have the serfs talking about the "freedom" stuff. We let them say it on July 4, but that's it.
Dr. Jeffrey Anderson recently wrote in Investor's Business Daily, "Since 1970 even without the prescription drug benefit Medicare's costs have risen 34 percent more, per patient, than the combined costs of all health care in America apart from Medicare and Medicaid ."
Is that per year or lifetime costs? Lifetime costs might be explained by better ability to treat a patient of an otherwise fatal disease to keep them alive for another disease. A heart attack which would have killed can now be treated so you live ten more years and get cancer.
Also, there are more treatment options. What used to be an untreatable death sentence where the doctor told you to go home and not excite youself or you'll die of a heart attack, can now be treated with bypasses and stints. Would you rather save money by going back to the "go home and die" treatment? Younger people may get a MRI instead of an x-ray, or get athroscopic surgery for a joint where the 1970s doctor would hand them a cane, but a lot of treatment is focused on diseases of aging.
Insurance is a method of shared risk.
As it currently is composed, the system is voluntary.
The left LOVES the idea of “shared risk, shared rewards”,
but they also despise the whole concept of “voluntary”.
This is the essence of 0bama’s plan - FORCED shared risk, instead of voluntarily joining a risk sharing system.
“The Democrats would like you to think those folks are worried sick....”
You hit the nail on the head. I know there are some out there, through no fault of their own who do not have health insurance. My own personal experience has been they don’t have it because they are irresponsible. We know a couple from church who moan all the time because they don’t have health coverage. It didn’t stop them from purchasing a new vehicle, or having 2 cell phones or taking a vacation to the beach. I truly don’t mind helping someone in need. My faith requires it. I do have a problem supporting the irresponsible and people who don’t carry their own weight.-—JM
I was going to say that you are forced to have auto insurance,
but of course, you could choose not to drive.
You cannot choose not to live and have that choice make any sense.
It does not work that way. He has a condition that is an automatic decline under individual health insurance. The only plans that are available to him are cheap discount only-which are not true health insurance or hire more employees and start a group plan.
Mitt Romney's Obama's world...
Fine, but don’t demand that taxpayers cover your medical expenses in the future.
I've got health insurance, but I agree that it is a giant scam. I only go to the doctor for things like a ruptured appendix or broken leg. One of the main reasons health care is so expensive is that people watch too many of these medical soap operas on TV. Then they want to get attention from some doctor or nurse themselves. I work as a firefighter and we see people all of the time who are on three dozen different meds who probably had nothing wrong with them to begin with before they whined until six different doctors each prescribed them five different meds. Then they become lab rats.
One thing Obama care will do is create long waiting lists so that it will take six months to even see a specialist. This will be good for the typical system abusing hypochondriac. Maybe they will get some fresh air and exercise instead of wasting some medical professionals time. It will suck eggs if you actually have some type of life threatening disease. Or if you are old and the government won't pay for any expensive procedures because they don't think your life is worth as much as some young deadbeat's life.
The only way the libertarian approach works with this is if people are allowed to die on the street, in their homes, etc. or have to suffer the consequences of their decisions. As long as they can fail to handle their medical emergencies or conditions and still get help or relief nothing’s going to change.
Let's say I don't smoke, I don't drink, I don't speed or disregard traffic laws, I work to keep my blood chemistry in good shape, etc. It takes a conscious effort on my part to do all the things that I feel are good for me, and I really have to work at resisting all sorts of temptations, but then someone comes along who's done none of these and has problems as a result. I still have to pay for it just as though I had made no effort to avoid the costs of poor choices.
I don't know the answer except to thank God, literally, that I am in a position to help those who can't or won't help themselves.
The (no number, not finished, the Lord only knows its final form) House Bill has a religious exemption.p. 170.
On the other hand, Becky is irresponsible if she doesn’t at least have catastrophic, high deductible insurance. She assumes the rest of us will pay for her. And so, she validates the mama-totalitarians who will force this hyper-complicated “insurance” (really State mandated, pre-paid medical care — I’m not ready to call it “health care.”)
What if I want and have a health sharing ministry?
It’s not insurance but it accomplishes the same goal — it pays in the case of accident or illness.
My family and 13,000 other families will be shut down in our sharing ministry.
It works and costs less than half of that of an actual insurance company.
Individual health insurance in now 100% tax deductible-it used to be only 25%.
Many states have now make insurance portable once an employee leaves a job.