Free Republic
Browse · Search
News/Activism
Topics · Post Article

Skip to comments.

Health insurers fear young people will opt out
yahoo ^ | 7/5/2013 | KELLI KENNEDY AP

Posted on 07/05/2013 6:12:26 PM PDT by mdittmar

MIAMI (AP) — Dan Lopez rarely gets sick and hasn't been to a doctor in 10 years, so buying health insurance feels like a waste of money.

Even after the federal health overhaul takes full effect next year, the 24-year-old said he will probably decide to pay the $100 penalty for those who skirt the law's requirement that all Americans purchase coverage.

"I don't feel I should pay for something I don't use," said the Milwaukee resident, who makes about $48,000 a year working two part-time jobs.

Because he makes too much to qualify for government subsidies, Lopez would pay a premium of about $3,000 a year if he chose to buy health insurance.

"I shouldn't be penalized for having good health," he said.

Persuading young, healthy adults such as Lopez to buy insurance under the Affordable Care Act is becoming a major concern for insurance companies as they scramble to comply with the law, which prohibits them from denying coverage because of pre-existing conditions and limits what they can charge to older policy holders.

(Excerpt) Read more at news.yahoo.com ...


TOPICS: Crime/Corruption; News/Current Events
KEYWORDS:
Darn Health insurers making young people buy healthcare or be fined,that just not right,maybe obama can fix it.
1 posted on 07/05/2013 6:12:26 PM PDT by mdittmar
[ Post Reply | Private Reply | View Replies]

To: mdittmar
I am going to encourage every young person I know to not buy it.

Come and get me, Federales.

2 posted on 07/05/2013 6:17:12 PM PDT by E. Pluribus Unum (Who could have known that one day professional wrestling would be less fake than professional news?)
[ Post Reply | Private Reply | To 1 | View Replies]

To: mdittmar

Gee, what a selfish jerk, not wanting to subsidize others


3 posted on 07/05/2013 6:17:15 PM PDT by andyk (I have sworn...eternal hostility against every form of tyranny over the mind of man.)
[ Post Reply | Private Reply | To 1 | View Replies]

To: mdittmar

Who would have thunk it? Folks thinking rationally when it comes to spending THEIR money.


4 posted on 07/05/2013 6:19:34 PM PDT by House Atreides
[ Post Reply | Private Reply | To 1 | View Replies]

To: mdittmar

there is no penalty if you juggle
your withholding correctly.


5 posted on 07/05/2013 6:26:47 PM PDT by RockyTx
[ Post Reply | Private Reply | To 1 | View Replies]

To: mdittmar

No!


6 posted on 07/05/2013 6:27:15 PM PDT by Drango (A liberal's compassion is limited only by the size of someone else's wallet.)
[ Post Reply | Private Reply | To 1 | View Replies]

To: mdittmar

Redistributing health insurance money makes it “free” for the parasites who vote correctly. Obamacare is working precisely as planned.


7 posted on 07/05/2013 6:30:04 PM PDT by Oldeconomybuyer (The problem with socialism is that you eventually run out of other people's money.)
[ Post Reply | Private Reply | To 1 | View Replies]

To: mdittmar

My twenty-eight yo absolutely refuses to buy in to BO care.

Says he’d rather pay the penalty.


8 posted on 07/05/2013 6:37:01 PM PDT by KosmicKitty (WARNING: Hormonally crazed woman ahead!!)
[ Post Reply | Private Reply | To 1 | View Replies]

To: mdittmar

You mean if I’m healthy I have to buy health insurance? What about muslims? They say it’s un-islamic to buy health insurance because it’s a form of gambling. You’re betting on staying healthy ...


9 posted on 07/05/2013 6:39:48 PM PDT by SkyDancer (Live your life in such a way that the Westboro church will want to picket your funeral.)
[ Post Reply | Private Reply | To 1 | View Replies]

To: E. Pluribus Unum

Thank you sir!

I’m 32 and I feel the exact same way. Come collect, BO!


10 posted on 07/05/2013 6:46:02 PM PDT by JCBreckenridge ("we are pilgrims in an unholy land")
[ Post Reply | Private Reply | To 2 | View Replies]

To: JCBreckenridge

Civilization thanks you. And I do too.


11 posted on 07/05/2013 6:48:40 PM PDT by E. Pluribus Unum (Who could have known that one day professional wrestling would be less fake than professional news?)
[ Post Reply | Private Reply | To 10 | View Replies]

To: mdittmar

Except Dan Lopez and guys like him voted for the Marxist.


12 posted on 07/05/2013 6:52:38 PM PDT by BlueStateRightist
[ Post Reply | Private Reply | To 1 | View Replies]

To: mdittmar

“Health insurers fear young people will opt out”

If healthy, they would be fools not to opt out


13 posted on 07/05/2013 6:53:51 PM PDT by Figment
[ Post Reply | Private Reply | To 1 | View Replies]

To: mdittmar

He can pay the $100 dollar fine and if something happens to his health he can buy Obmacare then. When he gets well he can drop it again, and buy it as often as he likes.

Any young person would be foolish to buy insurance when they can buy it if and when they get sick.


14 posted on 07/05/2013 6:54:24 PM PDT by Venturer
[ Post Reply | Private Reply | To 1 | View Replies]

To: Figment

Since they can wait until they are sick, and then buy insurance, why wouldn’t they?


15 posted on 07/05/2013 6:56:25 PM PDT by ltc8k6
[ Post Reply | Private Reply | To 13 | View Replies]

To: Venturer

Hmm,guess that shouldn’t be called insurance then.


16 posted on 07/05/2013 7:01:11 PM PDT by mdittmar
[ Post Reply | Private Reply | To 14 | View Replies]

To: andyk
"Gee, what a selfish jerk, not wanting to subsidize others"

Yea, what the heck? If he is paying for our SS the least he can do is pay to subsidize our medical coverage too. Greedy kid. ;-)

17 posted on 07/05/2013 7:03:12 PM PDT by Average Al
[ Post Reply | Private Reply | To 3 | View Replies]

To: mdittmar

This whole Obama Care train wreck is getting interesting. At the rate it’s being slow walked to it’s death, it is only a matter of time before our overloads decide the only way to fix it is to make it a single payer system, The plan since day one.


18 posted on 07/05/2013 7:05:14 PM PDT by Fzob (In matters of style, swim with the current; in matters of principle, stand like a rock. Jefferson)
[ Post Reply | Private Reply | To 1 | View Replies]

To: Average Al

Could anyone, even someone that’s 62, not buy insurance and wait until they are sick to buy it? I ask because my COBRA has run out and with a preexisting illness (sleep apnea) I can not get an individual policy unless I go through the state high risk group. That would mean going from $362/month to almost $1400/month. Luckily I can afford it right now, but I don’t know for how long.


19 posted on 07/05/2013 7:10:49 PM PDT by burghguy
[ Post Reply | Private Reply | To 17 | View Replies]

To: mdittmar

don’t feel you should pay for what you don’t use?.

funny... I feel the same about 65% of my tax bill


20 posted on 07/05/2013 7:10:55 PM PDT by sten (fighting tyranny never goes out of style)
[ Post Reply | Private Reply | To 1 | View Replies]

To: sten
It seems that Lopez is an Obozo voter who felt like everybody should pay for the parasites, until it bit him in the azz.
21 posted on 07/05/2013 7:36:56 PM PDT by mrsmel (One Who Can See)
[ Post Reply | Private Reply | To 20 | View Replies]

To: SkyDancer

>> You’re betting on staying healthy ...

It’s actually not a bet, because there’s no loss, and therefore no downside.

Get sick? Just go get insurance at that time. They can’t refuse you!

Of course, the long view requires analyzing the impact on society of health insurance companies jacking their rates by 3000%, just before they go broke, and there’s no health insurance for ANYONE. And analyzing what happens when you put the squeeze on physicians, until finally no one wants to admit to BEING a physician.

But then, Marxists never really did understand that long view thing.


22 posted on 07/05/2013 7:38:45 PM PDT by Nervous Tick (Without GOD, men get what they deserve.)
[ Post Reply | Private Reply | To 9 | View Replies]

To: Nervous Tick

Thing is with this required healthcare insurance. Now go and find a doctor that will accept it. Good luck with that. Lot’s of them are saying they’re going to refuse Obamacare health cards or whatever they’ll use. And so far there’s nothing coming out saying they have to accept it either.


23 posted on 07/05/2013 7:47:58 PM PDT by SkyDancer (Live your life in such a way that the Westboro church will want to picket your funeral.)
[ Post Reply | Private Reply | To 22 | View Replies]

To: E. Pluribus Unum

Don’t worry. Have you ever tried to get a 20 something to do anything? Good luck. LOL!!!!


24 posted on 07/05/2013 8:00:47 PM PDT by Georgia Girl 2 (The only purpose of a pistol is to fight your way back to the rifle you should never have dropped.)
[ Post Reply | Private Reply | To 2 | View Replies]

To: mdittmar
persuading young, healthy adults such as Lopez to buy insurance under the Affordable Care Act is becoming a major concern for insurance companies as they scramble to comply with the law, which prohibits them from denying coverage because of pre-existing conditions and limits what they can charge to older policy holders.

This underscores the real disconnect between Obamacare and reality. And no one, nobody, has challenged or even questioned the absurdity of the Alice-in-Wonderland endeavor.

Redefining the total language is cool, I suppose, until everyone realizes that in the process, the asses have also redefined reality.

Obamacare may be many "things," but "insurance" it is not.

Since the 17th Century, Insurance has been defined as paying premiums to cover an event, the premiums being fundamentally and inflexibly proportional to the risks involved. Insurance is a for-profit business. Removing that from its definition, makes it something else.

Obviously, forcing the new reality "insurance" totally to ignore the risk-cost link makes it into a new animal, one with an internal contradiction, regardless of having "stolen" the name "insurance." Doesn't take much thought or IQ to accept that if you create a new animal, which has feathers, lays eggs and has six legs, and calling it a goat, doesn't make it a goat, whether the notion is adopted as "legally enacted legislation," or not.

Attempting to destroy reality in the most byzantine manner possible, just to create a new form of welfare, without calling it welfare, and claiming it will save taxpayer money, in the ultimate insanity.

25 posted on 07/05/2013 8:01:32 PM PDT by publius911 (Look for the Union label, then buy something else.)
[ Post Reply | Private Reply | To 1 | View Replies]

To: JCBreckenridge

>>I’m 32 and I feel the exact same way. Come collect, BO!

The IRS will be happy to fulfill your request - and expedite your transition from an employee of public school system into a deeper form of slavery ala another branch of the prison industrial complex.

Or, you could render unto Caesar what is his and ( instead of waving a dull sword at some centurion’s ear ) creatively find a way to render unto God what is His without being perched like a prostitute upon the temple steps of a state-established form of abstract value.


26 posted on 07/05/2013 8:02:32 PM PDT by TArcher ("TO SECURE THESE RIGHTS, governments are instituted among men" -- Does that still work?)
[ Post Reply | Private Reply | To 10 | View Replies]

To: Georgia Girl 2; E. Pluribus Unum

[Have you ever tried to get a 20 something to do anything? Good luck. LOL!!!!]

“Planning to hire Millennials in your office?

This guide will teach you how to co-exist with this challenging new generation of workers.”

http://www.youtube.com/watch?v=Sz0o9clVQu8


27 posted on 07/05/2013 8:05:42 PM PDT by TArcher ("TO SECURE THESE RIGHTS, governments are instituted among men" -- Does that still work?)
[ Post Reply | Private Reply | To 24 | View Replies]

To: mdittmar

Young people, hell. I’m in my 40s and I have no intention of buying into this shi-ite. I’m doing what I can to stay healthy, and when I need a doctor, I’ll pay cash.


28 posted on 07/05/2013 8:32:41 PM PDT by fr_freak
[ Post Reply | Private Reply | To 1 | View Replies]

To: mdittmar

You don’t need insurance as long as you don’t have income or assets and Medicaid is available for the poor.
Meanwhile, young people should consider shielding assets in anticipation of a medical illness that results in qualifying for Medicaid. A mattress will do quite well or this purpose.


29 posted on 07/05/2013 8:48:16 PM PDT by grumpygresh (Democrats delenda est. New US economy: Fascism on top, Socialism on the bottom.)
[ Post Reply | Private Reply | To 1 | View Replies]

To: mdittmar

The only chance a lot of these uninsureds had to get covered was the employer mandate and that is probably gone for good.


30 posted on 07/05/2013 9:10:57 PM PDT by Mike Darancette (Fight the culture of nothing.)
[ Post Reply | Private Reply | To 1 | View Replies]

To: mdittmar
Health insurers fear young people will opt out...of course they'll op out if they can - they were a large part of the fifteen percent of Americans who didn't have insurance to begin with, the supposed problem that started this Obamacare fiasco originally - not the brightest bulbs in the chandelier, but eventually they'll come to understand that they're being forced into the system to provide funding for the healthcare they don't need now for others who do need it now - wonder how long Obama will remain their Golden Boy once that hits......
31 posted on 07/05/2013 9:11:37 PM PDT by Intolerant in NJ
[ Post Reply | Private Reply | To 1 | View Replies]

To: ltc8k6
Since they can wait until they are sick, and then buy insurance, why wouldn’t they?

It is is going to be like Medicare where you have specified enrollment periods. Enroll Oct 15 - Dec 7 for the next year. The rest of the year you are out of luck.

32 posted on 07/05/2013 9:14:47 PM PDT by Mike Darancette (Fight the culture of nothing.)
[ Post Reply | Private Reply | To 15 | View Replies]

To: burghguy

This will work out for you, they must cover you with a price based on your age in 2014 but you’ll have to change plan as of Jan 1.


33 posted on 07/05/2013 9:18:15 PM PDT by Mike Darancette (Fight the culture of nothing.)
[ Post Reply | Private Reply | To 19 | View Replies]

To: burghguy
Could anyone, even someone that’s 62, not buy insurance and wait until they are sick to buy it?

Yes, but bear in mind you might be too sick/injured to do the paperwork, even online, even with help, and it would not take effect until the first of the next month anyway.

Without insurance and after your money runs out you will get life-sustaining treatment in an emergency and not all that much else.

Your premium should be way less than $1400 at the first of the year assuming you aren't working between now and then.

34 posted on 07/05/2013 9:21:59 PM PDT by steve86 (Acerbic by Nature, not Nurture™)
[ Post Reply | Private Reply | To 19 | View Replies]

To: Mike Darancette; burghguy

I believe they are going to end up waiving the limited open enrollment periods because the system is going to be so starved for subscribers. Even as of now the state exchanges have the option to create additional open enrollment periods. The real problem for many is going to be the rule that prevents you from enrolling outside of an open enrollment period unless some qualifying event occurs (loss of job & insurance, etc.). I did not know about that rule until right now. If they actually enforce all this stuff they are going to end up with 3 or 4 subscribers.


35 posted on 07/05/2013 9:33:42 PM PDT by steve86 (Acerbic by Nature, not Nurture™)
[ Post Reply | Private Reply | To 32 | View Replies]

To: Mike Darancette

I do know the first open enrollment period is going to be October 2013 through March 2014. Then it is going to be just October through December.


36 posted on 07/05/2013 9:35:48 PM PDT by steve86 (Acerbic by Nature, not Nurture™)
[ Post Reply | Private Reply | To 32 | View Replies]

To: KosmicKitty
My twenty-eight yo absolutely refuses to buy in to BO care.

Oh you kid! I have a 28 year old grandson, who won't be buying it either.

37 posted on 07/05/2013 9:44:24 PM PDT by Graybeard58 (_.. ._. .. _. _._ __ ___ ._. . ___ ..._ ._ ._.. _ .. _. .)
[ Post Reply | Private Reply | To 8 | View Replies]

To: burghguy
That would mean going from $362/month to almost $1400/month. Luckily I can afford it right now, but I don’t know for how long.

$1400 X 12 months = $16,800 per year, that'll buy a whole lot of CPAP supplies.

I'm 68 years old and see a doc twice a year for a check up. I have medicare (required by my former employer), which is my secondary insurer, to whom I pay about $425 per month as my premium.

I'd tell both to take a hike if I could but my former employer is the primary insurer for my wife and two minor children. The premium is for a "family plan", no matter how many are on it.

I know, I'm blessed, it's just that I don't cost them much at all and I'm old.

38 posted on 07/05/2013 9:58:52 PM PDT by Graybeard58 (_.. ._. .. _. _._ __ ___ ._. . ___ ..._ ._ ._.. _ .. _. .)
[ Post Reply | Private Reply | To 19 | View Replies]

To: Mike Darancette

Got a link for that?


39 posted on 07/06/2013 12:24:02 AM PDT by ltc8k6
[ Post Reply | Private Reply | To 32 | View Replies]

To: TArcher

Matthew 10:28


40 posted on 07/06/2013 1:06:56 AM PDT by JCBreckenridge ("we are pilgrims in an unholy land")
[ Post Reply | Private Reply | To 26 | View Replies]

To: Mike Darancette
http://www.mahp.org/federalreform/ahip/AHIPSUmmaryofExchangerules(3-14-12).pdf

http://www.healthpocket.com/affordable-care-act/open-enrollment-period#.Udgewju1EWY

41 posted on 07/06/2013 6:43:12 AM PDT by Mike Darancette (Fight the culture of nothing.)
[ Post Reply | Private Reply | To 32 | View Replies]

To: steve86
I do know that there is to be enrollment periods for Exchange plans, I do not know about private plans. Imagine if all health insurance could only be sold in the Oct 15 - Dec 7th window. If this enrollment period does not apply to private plans then I guess you could get them as needed (if individual private health insurance plans continue to exist).

Scary Obamacare factoid. Washington DC is banning all new sales of non-exchange individual health insurance.

42 posted on 07/06/2013 6:55:28 AM PDT by Mike Darancette (Fight the culture of nothing.)
[ Post Reply | Private Reply | To 35 | View Replies]

To: ltc8k6
ttp://www.mahp.org/federalreform/ahip/AHIPSUmmaryofExchangerules(3-14-12).pdf

http://www.healthpocket.com/affordable-care-act/open-enrollment-period#.Udgewju1EWY

43 posted on 07/06/2013 7:03:05 AM PDT by Mike Darancette (Fight the culture of nothing.)
[ Post Reply | Private Reply | To 39 | View Replies]

To: JCBreckenridge

Not with a bang but a whimper

The Horror


44 posted on 07/06/2013 8:16:04 AM PDT by TArcher ("TO SECURE THESE RIGHTS, governments are instituted among men" -- Does that still work?)
[ Post Reply | Private Reply | To 40 | View Replies]

To: mdittmar

$3000 a year premium? Hell, that’s a BARGAIN!


45 posted on 07/06/2013 2:59:24 PM PDT by SuziQ
[ Post Reply | Private Reply | To 1 | View Replies]

Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.

Free Republic
Browse · Search
News/Activism
Topics · Post Article

FreeRepublic, LLC, PO BOX 9771, FRESNO, CA 93794
FreeRepublic.com is powered by software copyright 2000-2008 John Robinson