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(CNN)   More and more twenty-somethings are entering the workforce and eschewing health insurance entirely because it's too expensive   (money.cnn.com) divider line 281
    More: Scary, Commonwealth Fund, doctor's visit, credit card debts, debts, health care  
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8288 clicks; posted to Main » on 09 Jun 2012 at 3:42 AM (2 years ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2012-06-08 11:01:05 PM
that's not bright kids. Get the catastrophic coverage that only kicks in after 5000 has been spent. I'ts under 100/mo if you're under 30
 
2012-06-08 11:45:18 PM
There's absolutely no way in hell this can end well
 
2012-06-08 11:59:55 PM
Good thing we won't have an individual mandate to force these freedom-loving kids to buy health insurance. This will never come back to bite them in the ass, or the people that will eventually have to pay for their medical treatment when they will eventually need it.
 
2012-06-09 12:09:20 AM
i.imgur.com
 
2012-06-09 12:20:07 AM
Me: Universal care, single-payer.

Them: We can't do that! That's SOSHLIZMS!

Me: And?
 
2012-06-09 12:22:56 AM

aiiee: that's not bright kids. Get the catastrophic coverage that only kicks in after 5000 has been spent. I'ts under 100/mo if you're under 30


Should be a heck of a lot cheaper than that.
 
2012-06-09 12:23:51 AM
How much do you want to bet that after SCOTUS follows their rightward tilt and strikes down HCA, that bankruptcy rules will be quietly changed so that medical debt joins student loans as "unable to discharge" in bankruptcy?
 
2012-06-09 12:46:16 AM

Lando Lincoln: Good thing we won't have an individual mandate to force these freedom-loving kids to buy health insurance.



That's exactly right, we don't, not for two more years.

We do have a law that allows anyone up to the age of 26 to remain on their parent's insurance, of course, which I'm sure you will now express support for.
 
2012-06-09 01:54:19 AM

Grand_Moff_Joseph: How much do you want to bet that after SCOTUS follows their rightward tilt and strikes down HCA, that bankruptcy rules will be quietly changed so that medical debt joins student loans as "unable to discharge" in bankruptcy?


You realize Debtors prisons have started...

If corporations could get away with it, they would pay people very, very little.
 
2012-06-09 02:21:30 AM

Darth_Lukecash: If corporations could get away with it, they would pay people very, very little.


*cough*
Link

1) Bring in foreign students for a work exchange program
2) Pay them as little as you legally can
3) Charge then 99% of what you pay them for absolute shiat housing and forbid them from living anywhere else
4) ...
5) Profit!
6) Pretend you're not Foxconn West by playing the victim when the students strike
 
2012-06-09 02:30:32 AM
I did it.
 
2012-06-09 02:35:55 AM
If Boomers would start dieing or retiring, I'd be more than happy to get a better job and buy health insurance.
 
2012-06-09 03:27:08 AM

Snarcoleptic_Hoosier: If Boomers would start dieing or retiring, I'd be more than happy to get a better job and buy health insurance.


This.
 
2012-06-09 03:45:21 AM

aiiee: that's not bright kids. Get the catastrophic coverage that only kicks in after 5000 has been spent. I'ts under 100/mo if you're under 30


this is what I have. $78 a month
 
2012-06-09 03:46:13 AM
As a Canadian who recently broke his wrist and had it fixed for free as opposed to the $20K I would have paid as an American, I'm getting a kick out of this...
 
2012-06-09 03:47:47 AM
when i started my job two years ago, I was told "the only way my place of employment would offer health insurance was through obamacare"

/still waiting
//stupid twentysomething
 
2012-06-09 03:48:41 AM
Mandates are what's making insurance so damned high. My wife absolutely cannot have any more kids yet Idaho has it mandated that she be covered for pregnancy. WTF? $300 a month more for a medical impossibility? Fark you I hope they all get ass cancer in airport bathrooms.
 
2012-06-09 03:49:10 AM
America! Can put a man on the moon, but cannot solve basic issues that every other country has solved.
 
2012-06-09 03:49:37 AM
Too bad the public option was killed by the Republicans.
 
2012-06-09 03:49:56 AM
count me in. 30+. no insurance for years. making startup now, hope that makes enough to pull it off (the tech contract jobs I've done with no benefits didn't help!)
 
2012-06-09 03:50:19 AM

aiiee: that's not bright kids. Get the catastrophic coverage that only kicks in after 5000 has been spent. I'ts under 100/mo if you're under 30


$100 a month/$50 bi-weekly is a lot of money. what is the math about how much of one's net income one should take home before it's feasible to spend $100 a month on health insurance?
 
2012-06-09 03:53:10 AM

farkityfarker: As a Canadian who recently broke his wrist and had it fixed for free as opposed to the $20K I would have paid as an American, I'm getting a kick out of this...


Nothing is free. You paid for it in other ways, and other people helped you pay for it. Is there a pie chart comparing taxes for Canadians and Americans versus government spending for Canadians versus Americans?
 
2012-06-09 03:54:03 AM

farkityfarker: As a Canadian who recently broke his wrist and had it fixed for free as opposed to the $20K I would have paid as an American, I'm getting a kick out of this...


Bullshiat man... We all know that it takes 5 years for you Canadians to actually SEE a doctor. Because, that's what Republicans say. You know - the ones that still believe the Bible is real.
 
2012-06-09 03:54:11 AM
Old motherfarkers made it too expensive, so I guess they're going to be paying the motherfarking bills when any of these kids go bankrupt.
 
2012-06-09 03:55:38 AM

Smeggy Smurf: Mandates are what's making insurance so damned high. My wife absolutely cannot have any more kids yet Idaho has it mandated that she be covered for pregnancy. WTF? $300 a month more for a medical impossibility? Fark you I hope they all get ass cancer in airport bathrooms.


They can't adjust that price for risk like they can in upping the price for a smoker to cover lung cancer?

You're getting hosed, but it's not the fault of the healthcare bill. They're forced to provide the coverage, they don't have to charge extra. If they know it's an impossibility, they don't have to charge anything. Your insurance company is dicking you around.

\Single payer really is the only solution.
\\It's simply an issue of patient motive versus profit motive.
 
2012-06-09 03:56:32 AM

Darth_Lukecash: Grand_Moff_Joseph: How much do you want to bet that after SCOTUS follows their rightward tilt and strikes down HCA, that bankruptcy rules will be quietly changed so that medical debt joins student loans as "unable to discharge" in bankruptcy?

You realize Debtors prisons have started...

If corporations could get away with it, they would pay people very, very little.


Great. Combine this practice with private, for-profit prisons and you have a perfect storm of corporate totalitarianism.
 
2012-06-09 03:59:52 AM
just add boot-strappiness - it ALWAYS works

/f00kin sad
 
2012-06-09 04:00:20 AM

Lando Lincoln: Good thing we won't have an individual mandate to force these freedom-loving kids to buy health insurance. This will never come back to bite them in the ass, or the people that will eventually have to pay for their medical treatment when they will eventually need it.


the cost of medical treatment for the young and healthy is in the aggregate significantly less than what they would have to pay in premiums for full cost insurance.
to forgo insurance at this point is absolutely a rational decision by the vast majority of them.
that is why healthcare *reform* bill will very soon force these very people to buy full priced insurance (cheap catastrophic insurance which is basically all a young person really needs is being prohibited in the future, the only choice will be full cost insurance), because they will be made to take the loss so that the private insurance industry can reap windfall profits, and in turn will be willing to insure less profitable patients.

these young people are the grist for the mill whose sacrifice the for profit insurance industry demanded.
 
2012-06-09 04:04:22 AM
meh.

I didn't have health insurance until I got married, and had kids. Didn't need it. Wasn't going to pay for it. If something bad happened, all I needed to do was go to Wishard and tell them I was broke.

That's called free medical care. Shove that up your libtard, single payer bullshiat sphincters.
 
2012-06-09 04:05:27 AM

ExperianScaresCthulhu: farkityfarker: As a Canadian who recently broke his wrist and had it fixed for free as opposed to the $20K I would have paid as an American, I'm getting a kick out of this...

Nothing is free. You paid for it in other ways, and other people helped you pay for it. Is there a pie chart comparing taxes for Canadians and Americans versus government spending for Canadians versus Americans?


upload.wikimedia.org

Sorry it's not a pie chart, but it was quick and dirty from Wikipedia.

/hot
 
2012-06-09 04:05:27 AM

Grand_Moff_Joseph: How much do you want to bet that after SCOTUS follows their rightward tilt and strikes down HCA, that bankruptcy rules will be quietly changed so that medical debt joins student loans as "unable to discharge" in bankruptcy?


That would be a groovy way to kill off the population, actually. However, that would also change how the ambulance and emergency system works, wouldn't it? if a person is unconscious in an accident and is taken into emergency, did they make that decision to make those expenses, which is now unable to be discharged?

It would also change how insurance itself works, since some medical debt is because the insurance companies decided not to cover a condition after all? Or the paperwork got lost?

What happens to the person who pays their premiums, is told everything is taken care of, then six months later they're battling their insurance company's lawyers? or five years later they're getting 'that call' for a zombie medical debt?
 
2012-06-09 04:06:48 AM

ExperianScaresCthulhu: farkityfarker: As a Canadian who recently broke his wrist and had it fixed for free as opposed to the $20K I would have paid as an American, I'm getting a kick out of this...

Nothing is free. You paid for it in other ways, and other people helped you pay for it. Is there a pie chart comparing taxes for Canadians and Americans versus government spending for Canadians versus Americans?


if taxes have to go up so thousands of people don't either go bankrupt because of medical bills or flat out die because they don't get treatment, then they farking should go up

anyway, total health care expenditure per capita is by far the highest in the US out of the whole world and our system sucks balls
 
2012-06-09 04:06:52 AM
As it happens, I was well covered (health-wise) from the age of 20 to 28.

shiat wages but good bennys.

Started my own company in 98 and went eleven years without buying health insurance and never needing it either (Praise Him!).

A savings of around $66,000 over that time.

I have catastrophic coverage now, and would have to be pretty much at death's door to have my deductibles climb to those heights over a given decade, so I'm calling it a win at this point.
 
2012-06-09 04:07:03 AM

aiiee: I'ts under 100/mo i


UNDER 100 a month!? farkin' half the people I know can't afford 100 bucks a month that isn't going directly towards food, rent, tax, or something.


Health insurance should be free for people who make less than a certain amount of money.
 
2012-06-09 04:07:12 AM
i739.photobucket.com
 
2012-06-09 04:07:59 AM

Tumunga: That's called free medical care.


If everyone obtains "free medical care," then what?
 
2012-06-09 04:09:42 AM

sat1va: ExperianScaresCthulhu: farkityfarker: As a Canadian who recently broke his wrist and had it fixed for free as opposed to the $20K I would have paid as an American, I'm getting a kick out of this...

Nothing is free. You paid for it in other ways, and other people helped you pay for it. Is there a pie chart comparing taxes for Canadians and Americans versus government spending for Canadians versus Americans?

[upload.wikimedia.org image 562x479]

Sorry it's not a pie chart, but it was quick and dirty from Wikipedia.

/hot


Thank you. Everyone's numbers look the same. The dollar amounts are different, but the increases look the same. But I'm not sure what I'm looking at here. Is this how much individuals spend, or how much the government spends?
 
2012-06-09 04:10:08 AM
Yeah... Socialized medicine isn't always great, though. I think we need reform, but we need to be careful about what we do... Systems like the Canadian one seem great, but it blows over here in Japan. I'm a 25-year-old, fit, non-smoker and I pay 200 bucks a month (using a 100yen to 1dollar exchange rate). 200 a month and I still have to pay 30% of whatever my hospital bill is.

Plus, the doctors blow... Man, do I have some stories, boy. I tell you what, kid.
 
2012-06-09 04:12:00 AM

doglover: aiiee: I'ts under 100/mo i

UNDER 100 a month!? farkin' half the people I know can't afford 100 bucks a month that isn't going directly towards food, rent, tax, or something.


Health insurance should be free for people who make less than a certain amount of money.


everyone earns a paycheck`or racks up a capital gain should pay for national healthcare through fica, and coverage should be cradle to grave.
 
2012-06-09 04:14:12 AM
I have health insurance with my current job, but it's totally worthless, and I keep seriously thinking of dropping it. It covers so little, like seriously will barely cover one doctor's visit for the entire year, and even then I get an overage bill between $50-$100. But as one of my co-workers tells me, it may not cover anything, but it gets you in the door, while the people without insurance are stuck in the lobby waiting longer.

I don't know if that's really true about them waiting longer.

/American healthcare sucks.
//Trying to find that better job with better insurance.
///Slashies are strange.
 
2012-06-09 04:15:36 AM

ExperianScaresCthulhu: sat1va: ExperianScaresCthulhu: farkityfarker: As a Canadian who recently broke his wrist and had it fixed for free as opposed to the $20K I would have paid as an American, I'm getting a kick out of this...

Nothing is free. You paid for it in other ways, and other people helped you pay for it. Is there a pie chart comparing taxes for Canadians and Americans versus government spending for Canadians versus Americans?

[upload.wikimedia.org image 562x479]

Sorry it's not a pie chart, but it was quick and dirty from Wikipedia.

/hot

Thank you. Everyone's numbers look the same. The dollar amounts are different, but the increases look the same. But I'm not sure what I'm looking at here. Is this how much individuals spend, or how much the government spends?


that's how much money is spent on healthcare each year on a per capita basis for each country listed. it doesn't matter if medicaid paying the bills or if it is you paying a $20 copayment while your insurance picks up $90 for an office visit, it all counts.
 
2012-06-09 04:16:15 AM

cptjeff: Smeggy Smurf: Mandates are what's making insurance so damned high. My wife absolutely cannot have any more kids yet Idaho has it mandated that she be covered for pregnancy. WTF? $300 a month more for a medical impossibility? Fark you I hope they all get ass cancer in airport bathrooms.

They can't adjust that price for risk like they can in upping the price for a smoker to cover lung cancer?

You're getting hosed, but it's not the fault of the healthcare bill. They're forced to provide the coverage, they don't have to charge extra. If they know it's an impossibility, they don't have to charge anything. Your insurance company is dicking you around.

\Single payer really is the only solution.
\\It's simply an issue of patient motive versus profit motive.


Fark that I want no mandates and the option to purchase across state lines. The free market will provide better options than a one size fits all ass raping. The government can't even run a goddamned whorehouse let alone provide decent health care.
 
2012-06-09 04:20:21 AM

ExperianScaresCthulhu: sat1va: ExperianScaresCthulhu: farkityfarker: As a Canadian who recently broke his wrist and had it fixed for free as opposed to the $20K I would have paid as an American, I'm getting a kick out of this...

Nothing is free. You paid for it in other ways, and other people helped you pay for it. Is there a pie chart comparing taxes for Canadians and Americans versus government spending for Canadians versus Americans?

[upload.wikimedia.org image 562x479]

Sorry it's not a pie chart, but it was quick and dirty from Wikipedia.

/hot

Thank you. Everyone's numbers look the same. The dollar amounts are different, but the increases look the same. But I'm not sure what I'm looking at here. Is this how much individuals spend, or how much the government spends?


From the wikipedia article here:

In 2004, government funding of health care in Canada was equivalent to [US$] 1,893 per person. In the U.S. government spending per person was US$ 2,728.
It is important to note that the Canadian healthcare system is actually composed of at least 10 mostly autonomous provincial healthcare systems, and a federal system which covers veterans. This causes a significant degree of variation in funding and coverage within the country.
 
2012-06-09 04:22:09 AM
I haven't had insurance since my last job that offered it...6 years ago. I cannot afford even the $5000 deductible policies (pre-existing condition).
If it WAS affordable, I would have been paying into a pool for 6 years. But $500+ a month for crap?
All of my savings would be used up by now.

But I figure, as it gets worse and more people have to give it up..then maybe single payer may come to pass. Just have to hope I don't die first.
 
2012-06-09 04:24:09 AM

strangeluck: I have health insurance with my current job, but it's totally worthless, and I keep seriously thinking of dropping it. It covers so little, like seriously will barely cover one doctor's visit for the entire year, and even then I get an overage bill between $50-$100. But as one of my co-workers tells me, it may not cover anything, but it gets you in the door, while the people without insurance are stuck in the lobby waiting longer.

I don't know if that's really true about them waiting longer.

/American healthcare sucks.
//Trying to find that better job with better insurance.
///Slashies are strange.


if it is a big insurance company, like a name we would all know, then even if they aren't paying much of anything, at the very least it is serving the function of negotiating a fairly significant discount for you from the provider. you won't ever be paying retail rates if something really bad happens to you. those undiscounted prices will knock you on your ass if you have never seen them.

more importantly if you develop a chronic condition while you are without insurance that will be deemed to be a preexisting condition, and depending on how good the insurance is at your next place of work they might not pick it up. but if you have maintained insurance constantly then the new employer will have to pay for the condition.
you should keep it if you can stand to.
 
2012-06-09 04:24:50 AM
soo glad we are running this country down the crapper. can't wait till i explain to my children why it's better to not try at life and get everything from the govt rather then try to actually earn a living in the workforce
 
2012-06-09 04:25:05 AM
Fark insurance.

Every citizen should get free healthcare. Doctors should be paid like (possibly by) the military.

Proof of citizenship and you get free healthcare. Then for an added bonus, elective surgery subjects get a few grand extra in their accounts for trying out some experimental procedures to add more HGH and extra livers and such. And for every brainwashing session you sit through, a free case of craft beer. And then we give them the bolters and power armor ..

3.bp.blogspot.com
 
2012-06-09 04:26:22 AM
Some people aren't realizing that many of us twenty-somethings just don't give a flyin' fark anymore. Our parents and grandparents wiped their asses with this country and told us "good luck!" while they collect the last retirement checks anyone will ever get.

So forgive me if I'm not exactly wild about tossing gobs of cash at men in suits on the off chance it might prolong my stay in this world.
 
2012-06-09 04:26:54 AM
How about mandating all employers above a certain size provide top shelf insurance, actual insurance not PPO or HMO crap, with employees picking up no more than 5% of the premium?
 
2012-06-09 04:27:33 AM

MassAsster: soo glad we are running this country down the crapper. can't wait till i explain to my children why it's better to not try at life and get everything from the govt rather then try to actually earn a living in the workforce


Oh, you should try. Try for Emperor Doglover! Hallowed be his name! By the way, Canada is unclean. PURIFY IT!
 
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