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(Slate)   Can't get reasonable health insurance? Start your own insurance company   (slate.com) divider line 33
    More: Spiffy, Sara Horowitz, health insurance, New York Federal Reserve Bank, Robert Wood Johnson Foundation, MacArthur Foundation, independent contractors, fan fictions, North Star  
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8330 clicks; posted to Main » on 31 Jan 2013 at 1:36 AM (1 year ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2013-01-31 12:34:44 AM
Her father worked as a labor lawyer, her grandfather as a vice president of the International Ladies' Garment Workers' Union.

She learned the fine art of screwing people over at an early stage in life.
 
2013-01-31 01:37:59 AM
I called a religious org about a similar program they run.  It wasn't nearly as safe as insurance, but it sounded like a better deal than most people have now.

I mean, shiat.  I have some things I'd love to see a doctor about, but I don't have the cash, so I'll just put it off.  I'm healthy for now, so putting stuff off can't hurt.  Right?
 
2013-01-31 01:43:54 AM
Step #1: Raise $10,000,000.00
 
2013-01-31 01:44:19 AM
Good.  As soon as insurance companies start biatching about needing a bail-out because FartbongoCare made them bankrupt, there will be precedent for their replacement.
 
2013-01-31 01:46:56 AM
Capitalism and entrepreneurship is still alive and well.

The Occupy movement could learn something from this woman.
 
2013-01-31 01:49:49 AM
I think we picked the wrong liberal democrat union supporter to fix the health care system.
 
2013-01-31 01:54:24 AM
It will be funny to see all the whackadoodles clammoring about how great the GOP healthcare reform is when we get to the end of 2014.
 
2013-01-31 02:00:07 AM
Just buy your own insurance FFS.

That's why you get paid more per hour Mr. Contractor Man.
 
2013-01-31 02:01:41 AM
No way to get a yacht, Baby.
 
2013-01-31 02:16:26 AM
Wait...isn't this supposed to be part of Obamacare? The ability to setup up health-care collectives?
 
2013-01-31 02:52:44 AM

AverageAmericanGuy: Capitalism and entrepreneurship is still alive and well.

The Occupy movement could learn something from this woman.


"Be a well-to-do Jewish woman." isn't exactly life on hard mode.
 
2013-01-31 02:55:19 AM

doglover: AverageAmericanGuy: Capitalism and entrepreneurship is still alive and well.

The Occupy movement could learn something from this woman.

"Be a well-to-do Jewish woman." isn't exactly life on hard mode.


It'd be pretty hard for me. I'd miss my junk.
 
2013-01-31 03:19:15 AM

AverageAmericanGuy: The Occupy movement could learn something from this woman.


Gathering funds, taking care of its members financially and rallying against corporations being (now) literally above the law isn't good enough?
 
2013-01-31 03:19:31 AM
Take people's money and give them as little as possible in return? Cause it to be legally mandatory in many cases?

I'm in!
 
2013-01-31 03:52:58 AM

tomcatadam: AverageAmericanGuy: The Occupy movement could learn something from this woman.

Gathering funds, taking care of its members financially and rallying against corporations being (now) literally above the law isn't good enough?


Nope. You have to be a Jewish woman. Or at least a minority of equal or greater presumed ... minoritimidity?
 
2013-01-31 05:25:00 AM

MasterThief: I think we picked the wrong liberal democrat union supporter to fix the health care system.


If you start with the assumption that the best value system still relies on the private, or at least non-profit, sector then sure. But much of the world has a different and in many ways better way.

What's wrong with the government being the insurer? Providing health care on an as-needs basis to its taxpayers? Americans can't handle this idea but it works well in many countries, without the extraordinary duplication that goes with hundreds of providers all doing the same thing. There is still room for private insurance companies to support elective procedures and promote health/fitness programs, or services in private medical facilities (eg with private rooms, higher quality food etc), but the basic safety net is in government hands.

Here in Australia, where our public medical arrangements were largely designed by left-of-centre Labor governments, we had a very conservative government between 1996 and 2007. They slashed funding for public education, slashed and burned conditions and protections for workers, kissed George W's arse at every opportunity, but they pretty much didn't touch our Medicare arrangements. They are just too popular with a large majority of the population.

So get sucked in by your politicians and media who are themselves funded by private health insurance all you want, call Obamacare "socialism" (when its actually well to the right of arrangements in Australia, Europe and as I understand it Canada) but you're losing out when you do so.

csb/ broke my arm one Sunday afternoon near my home in an outer-suburban region of a relatively minor Australian city. Got X-rayed at the local hospital 2 miles away within 2 hours, walked straight past the emergency ward and into a room in the larger regional hospital 10 miles away 2 hours after that, was under the knife 8am the following day getting my wrist pinned, discharged the next day and back at work 9am the day after that. Missed 2 days work. Cost me precisely nothing and no paperwork, arguements or hassles.
 
2013-01-31 05:38:05 AM

david_gaithersburg: I love it!  The humor in this story is so dark one needs a flashlight to properly enjoy it.


Ahhh, another steaming dump from a moron, right in the middle of the page. Listen, obamacare will insure you even though you obviously have many pre-existing mental conditions. Go get some help for those conditions. Really, you'll be happier.
 
2013-01-31 05:56:19 AM

tomcatadam: AverageAmericanGuy: The Occupy movement could learn something from this woman.

Gathering funds, taking care of its members financially and rallying against corporations being (now) literally above the law isn't good enough?


Yes, yes, Occupy has done quite enough, thank you.  No further exertion is expected.
 
2013-01-31 06:01:17 AM
Lotta unexplained snark about Horowitz.  I wonder why.

Anyone have experience with her insurance?  Is it good and affordable?
 
2013-01-31 06:43:11 AM

BarkingUnicorn: Lotta unexplained snark about Horowitz.  I wonder why.

Anyone have experience with her insurance?  Is it good and affordable?


Yeah. From TFA it seems she's doing exactly the right things.

Maybe the way she handles adverse selection (she must handle it some way or she'd be out of business) ruffles feathers.
 
2013-01-31 07:44:11 AM

david_gaithersburg: Insatiable Jesus: No way to get a yacht, Baby.

Oh she won't get a yacht, but she'll have access to a yacht owned by a subsidiary of a subsidiary of a subsidiary of her not for profit insurance company.  This woman is a genius!


The mega rich own nothing, but have everything.
 
2013-01-31 07:53:56 AM
"I have blah blah insurance, so person come help..."
 
2013-01-31 08:59:26 AM

TomD9938: Just buy your own insurance FFS.

That's why you get paid more per hour Mr. Contractor Man.


That's Ms. Contractor Man to you.

Plus I do buy my own, thanks to the AHCA, as I've discussed far too many times...at $26k per year for a family of four because I have RA.  I don't make *that* much more per hour that I can continue to afford that.  Plus, before AHCA, health care wasn't an option until after at least six months without healthcare for everybody, and then my option was to hope like hell I got into a high-risk state-run pool after that six months was up.  I live in Florida, so yeah...wasn't going to happen.  My COBRA ran out just as AHCA was passed.

Plus, I think she had a brilliant idea -- good on her!  Wish I lived in NY, or that the insurance were available here in FL.

Also, we are seriously looking into moving away from FL so we can continue to afford health care.  Friggin Rick Scott, the crook.
 
2013-01-31 09:55:52 AM
I thought Obamadon'tcare took care of everything/everybody


Afffordability glitch
 
2013-01-31 10:00:09 AM

TomD9938: Just buy your own insurance FFS.

That's why you get paid more per hour Mr. Contractor Man.


You didn't bothered to read the article, didn't you?
 
2013-01-31 10:13:02 AM
I am my own insurance company... I'm a US citizen and a proprietorship of one.
 
2013-01-31 10:48:18 AM

ALC59: I thought Obamadon'tcare took care of everything/everybody


Afffordability glitch


You're an idiot.  Here, let me tell you why that talking point is crap.  Obamacare provides tax credits for taxpayers with employer-based coverage if your premiums are above a certain level of your income.  Congress made those tax credits available based on the premiums for individual worker coverage instead of family coverage.  So, while your individual worker coverage might be less than 10% of your income, your family coverage most likely is higher, and if your employer doesn't subsidize your premiums, you might not be able to afford to insure your kids.  The administration tried to change this with an IRS rule, but it will take (the Republican-controlled) House to actually put through a legislative fix.

Now, how the hell does that have anything to do with an insurance company that was founded to tailor its insurance plans to independent contractors?  This insurance company DELIBERATELY is not employer-based, so your link has nothing to do with them.  TFA makes NO MENTION of a difference between single employee and family plans, so your link has nothing to do with that, either.  Or are you just dropping today's talking point like a turd into any remotely punchbowl shaped thread?
 
2013-01-31 10:50:04 AM
There's nothing new here. This has been done many times. A lot of businesses self-insure and contract with a health insurance provider for administrative services only claims processing. It's actually rather common.
 
2013-01-31 11:59:21 AM
Why does it cost $10 million dollars for the license to sell insurance in NY? I understand administrative costs and regulators and that but .. I mean other than to prevent the small guys from competing with the big corporations ... well it looks like I have answered my own question.  Good day sirs and madams.
 
2013-01-31 12:11:42 PM

moefuggenbrew: Why does it cost $10 million dollars for the license to sell insurance in NY? I understand administrative costs and regulators and that but .. I mean other than to prevent the small guys from competing with the big corporations ... well it looks like I have answered my own question.  Good day sirs and madams.


It takes $10M to START your own insurance company, because if you're issuing policies, people are going to have claims, and you have to have enough capital to pay those claims.  Otherwise, it's a Ponzi scheme.
 
2013-01-31 12:44:33 PM
I'm a Freelancer's Insurance company member and am getting a kick out of these replies.

/Hit by a bus insurance: Family of 4 for $965/month.
//No, there's no prescription coverage aside from generics.
 
2013-01-31 04:57:10 PM

BarkingUnicorn: Lotta unexplained snark about Horowitz.  I wonder why.

Anyone have experience with her insurance?  Is it good and affordable?


I smell a rat when this article about the great not for profit health insurance company has zero details about the costs or coverage.

I'm going to bet it's a stones throw from no coverage at all when it comes to routine care.
 
2013-02-02 12:50:41 AM
If you're interested in Freelancers Union insurance, you can check out their rates here https://www.freelancersunion.org/benefits/index.html (assuming you're in a state where they provide coverage).

Also, note that freelancers need to have minimum incomes.
 
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