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According to the latest "released" Health Care bill, why can't I choose to have no coverage?

According to the latest "released" Health Care bill, why can't you choose to have no coverage?

We have been told repeatedly that people will be allowed to keep their current coverage. Choosing not to have insurance coverage and actually save a portion of your income for medical expenses is a level of coverage. For the last 12 years I have never been injured or sick enough that I felt it necessary to see a doctor. It is an unnecessary gamble and I have no use for health insurance at this stage in my life. Over the past ten years, I have saved and wisely invested a lot of money for use in an emergency. This amount actually exceeds 1.5 times my current yearly wage. I am able to afford insurance (make no mistake) but I do not feel it is right for me at this point in my life.

However, in spite of my foresight and responsibility, I am being told that if this bill passes and goes into effect, I will have absolutely no choice about whether I continue to self-insure; I will be forced to purchase an insurance policy from a private insurer prior to the effective date or be automatically enrolled into the gov't plan. In fact, on page 91, Section 202 is named "PROTECTING THE CHOICE TO KEEP CURRENT COVERAGE." But of course, you must have a "qualifying" policy and I'm pretty sure my way of paying for my medical expenses will not be considered qualified. I have no faith in our bureaucratic government to manage this and apparently the government knows this; otherwise, why would they resort to "fines and imprisonment" threats to otherwise peaceful, law-abiding and responsible citizens?

How is this acceptable that I would no longer be able to choose what is best for me?

Update:

@ Lil J: http://docs.house.gov/rules/health/111_ahcaa.pdf enjoy, this is the most recent "released" version of the bill (it takes a while to load)

Update 2:

I understand the case of an emergency medical procedure; that is why I have a very sizable- and growing- amount of money invested for such a scenario. In certain cases, I have a DNR that my father will comply with.

And if I have never received medical attention (Aside from my yearly "turn and cough" that I paid cash for) since I was 9, how have I cost anyone more money?

Update 3:

I would be shocked that virtually none of you actually read what I wrote or answered the questions accordingly, but then again, this isn't on television.

24 Answers

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  • 1 decade ago
    Favorite Answer

    Because, then, if you are ill, you will place an unfair burden on others.

    And you will stop the system from working.

    FACT - Insurance companies in the USA admit to pushing up prices, buying politicians and not paying out claims when they should [1]

    FACT - PER PERSON the USA spends more on healthcare than any other nation on the planet [2]

    FACT - Obama debated his plans before the election for healthcare [3]

    FACT - the chance of a child under five of dying in the USA is greater than industrialised nations with universal health coverage [4]

    FACT - Obama was elected by the American people to bring in change [5]

    FACT - Obama wants to stop insurance companies from screwing American [6]

    FACT - The reforms Obama wants work in the Netherlands and Switzerland [7]

    Let me know if my facts are wrong, but please provide proof.

  • 1 decade ago

    Well, to start off I would like to know the source of your information. The health care bill has gone through many rewritings and your information could be from an older version.

    Also, I think it's actually a provision to start keeping medicaid and medicare costs down. People who do not have health insurance are still treated by hospitals and doctors and if they do not have insurance or the money to pay for it, government assistance programs step in and cover the costs to keep the medical community happy. By making it a law to have health insurance or you're assessed a penalty, then the insurance will cover the costs and medicare and medicaid have their costs reduced and you pay in the end for your health care anyways.

    Another thing not often discussed is if you have insurance at the time of the start date, your coverage isn't affected. It's covered also under section 202, page 91.

    Last, you say you have put aside portions of your income in case of health issues and you keep 1.5 times your yearly salary set aside in case of catastrophic health issues. So you are in effect, denying yourself your own income in case of health problems. Basically I'm not sure what your complaint is. You're arguing that if you have to get health insurance that you won't have some of your income, however you don't have that income anyways because you deny it yourself. So for you, nothing will actually change if you are required to purchase health insurance and more tax money will go to things other than medicaid or medicare.

    I would highly advise checking out the bottom two links to answer any more questions.

  • Pascha
    Lv 7
    1 decade ago

    Americans should not be forced to pay an insurance company money for something they neither want nor need. Such a provision, if it does pass in the final bill, would be draconian, and I hope that it would cause people to go to the polls in record numbers to vote out those forcing that on them.

    But, as you can see from some of the answers here, there are people with health insurance who want people like you to subsidize theirs. They don't care if you will never use the health care, regardless of whether you stay healthy, use alternative means, or know basic self care.

    If you are forced to buy health insurance, it will not cover catastrophic risks anyway. Health insurance companies just don't like to do that. Self insurance like you are doing is much more effective. That money won't be squandered away on insurance for all the little run to the doctor stuff people who have health insurance paid by an employer are used to.

  • 1 decade ago

    While you "say" you're self-insuring and I'd like to think you and others would be honest about your intentions...others would have second thoughts when handed a 20K bill for that ruptured appendix. You'd have to actually put a chunk of money in escrow or something. Too complicated. You know, I hate paying for the US Military, I find their weapons of war and their deployment to the middle east to be an abomination, but I have to pay for it, the preservation of the US is paramount and the beast must defend itself from agressors whether I like it or not.

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  • 1 decade ago

    Because you not having health insurance greatly increases the likelihood that you will default on health insurance bills, which increases the bills of everyone else. It's the same idea as required auto insurance.

  • 1 decade ago

    Link?

  • 1 decade ago

    Because the second someone that choose to go without coverage gets sick they will run straight to the government program crying for help.

    You know damn well that is what will happen.

    Your "savings" mean jack in the case of something big. Because for all your talk, I doubt very much you have several hundred thousand dollars tucked away.

    You are one car accident away from bankruptcy.

  • Daniel
    Lv 7
    1 decade ago

    You have no right to assisted suicide and if you were to choose no coverage I think the hospitals should turn you down when you get that lump in your breast or the cyst on your ovary or a problem where you need surgery. While we are at it lets just go back 2000 years and have NO healthcare.

    People today are so stupid, if you do not have healthcare coverage you are making someone else PAY FOR YOU, and that is why it is mandatory to have car insurance. Are you fighting against that and making a stand against the government.,

    It is hypocrisy

    That is what this question really is all about

    HYPOCRISY

  • Boss H
    Lv 7
    1 decade ago

    Nobody is taking away your decision on where to get health insurance.

    You can still get it through your employer, pay for it out of your own pocket, or use the public option.

    That was what the whole "Grandfathered policy" clause was about that right-wingers still fail to comprehend. How do you get a "grandfathered policy" if you can't decide to keep what you have??

    But keep up the good work. Right-wing irrationalism and misinformation never ceases to entertain.

  • 1 decade ago

    This is from Pelosi's House Bill. They will jail you if it passes.

    I recall the Liberals quoting Franklin and "giving up liberty for security" Where are they now.

    Criminal penalties

    Prosecution is authorized under the Code for a variety of offenses. Depending on the level of the noncompliance, the following penalties could apply to an individual:

    • Section 7203 – misdemeanor willful failure to pay is punishable by a fine of up to $25,000 and/or imprisonment of up to one year.

    • Section 7201 – felony willful evasion is punishable by a fine of up to $250,000 and/or imprisonment of up to five years.” [page 3]

    When confronted with this same issue during its consideration of a similar individual mandate tax, the Senate Finance Committee worked on a bipartisan basis to include language in its bill that shielded Americans from civil and criminal penalties. The Pelosi bill, however, contains no similar language protecting American citizens from civil and criminal tax penalties that could include a $250,000 fine and five years in jail.

    “The Senate Finance Committee had the good sense to eliminate the extreme penalty of incarceration. Speaker Pelosi’s decision to leave in the jail time provision is a threat to every family who cannot afford the $15,000 premium her plan creates. Fortunately, Republicans have an alternative that will lower health insurance costs without raising taxes or cutting Medicare,” said Camp.

    According to the Congressional Budget Office the lowest cost family non-group plan under the Speaker’s bill would cost $15,000 in 2016.

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