Quote:
Originally Posted by Phasad1913
It is the astronomical cost of health insurance that is the problem and the unethical causes of that high cost. People, like me, who CHOSE to get educated, work and follow the strait and narrow STILL are unable to get insured.
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What?
According to 2 different web sites I just surfed, someone my age in your area (25, in Houston, TX) can get health insurance ($1k deductible/20% coins/$25 office visit) through BCBS for between $130-150/mo.
The insurance 'crisis' for the middle class is not the issue here - if anything, the CA plan will hurt the middle class by forcing them to be covered (and pay out of pocket) if they aren't already . . . unless you know many college-educated, straight-and-narrow people making $25k in Houston (that's the CA threshold for assistance for a single person)?
Basically, the real issue is that hospitals can't turn away the uninsured for emergency care, and the poorest of the poor can't afford basic care. The hope is that pooling risk for the first part (which is paid for out of tax dollars, generally, or passed along to the insured in higher hospital costs) will cause enough of a reduction to pay for the latter - and this burden will be felt MOST by the middle class (the lowest class that won't benefit directly from 'free' insurance).
Essentially, I don't think this policy will have the effects you think it will - eventually most of this gets passed down to consumers.
The "unethical" costs associated with insurance that you mention? What are those? Do you really think those just 'go away' here, or do you think they'll be passed up the chain?
Once that happens, think about the marginal utility of each dollar you earn, and wonder: hmmm, who is this really hurting? Helping?