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View Diary: Abbreviated pundit roundup: The NSA, the ACA and more (63 comments)

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  •  You can't self-insure for medical catastrophes (1+ / 0-)
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    If your car is totaled and you don't have comprehensive insurance, you have to pick up the tab for a replacement car. Or you might do without a car.

    If you are totaled and you don't have decent insurance, your fellow citizens wind up paying the bill, because we have decided that we don't want people dieing in the streets.

    It really doesn't matter if you wind up in the emergency room or if you get regular health care that your insurance denies payment for: the cost will be incurred and if you don't pay, we do. And if our hypothetical person can barely afford a $98 per month premium, they don't have the scratch to pay for even a short hospital stay.

    So the health insurance requirements in ACA are a bit like that auto liability coverage. It's what you need to keep from passing costs onto everyone else. (Which, in a way, is ironic, since passing the costs on to others is the basis of insurance in the first place.)

    "The problems of incompetent, corrupt, corporatist government are incompetence, corruption and corporatism, not government." Jerome a Paris

    by Orinoco on Tue Oct 29, 2013 at 11:41:29 AM PDT

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