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28 May 2010We have been told that insurance companies deny treatment and are only concerned with their profits. Why is it now law to buy their insurance?
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13 Responses to Why does the Health Care Reform Bill mandate that everyone must buy health insurance?
Guess Who?
May 28th, 2010 at 8:26 pm
why is it law to buy car insurance?
Bethy
May 28th, 2010 at 9:02 pm
Because it spreads the pool around
If you have say 15 million of that 40 million that dont have insurance but they do so as their CHOICE now they have to buy it under penalty of law
That spreads risk out and cuts cost
It also destroys the freedom of this country
§§pecial Unicorn™
May 28th, 2010 at 9:35 pm
Easiest way to first, control you, second, redistribute your paycheck to special groups that aren’t forced to live under the same mandate–you know, unions and Congress.
Randy B
May 28th, 2010 at 9:38 pm
Because now they won’t be able to deny treatment and they must price the insurance so that people can afford it.
You work hard, you have insurance and then you have a baby born with some condition/deformity and the insurance company says that they wont cover the baby and you are on the hook for all of its treatment. OR, they will cover the child but it will cost you $950 a month in premiums which you just cannot afford no matter how hard or long you work.
These are the kinds of situations the bill is intended to stop.
Mixed nuts
May 28th, 2010 at 10:04 pm
The democrats tried to make them unprofitable, so this was the compromise. Millions of new customers should assuage their losses. I think the whole thinks wreaks past Jupiter.
Beond The Grave
May 28th, 2010 at 10:05 pm
Its also law that the health care companies cannot deny you now based on preexisting conditions. Therefore, without a mandate that everyone MUST buy insurance, itd be possible for you to only buy it when your sick, get treatment, then drop your insurance till the next time you get sick, or in other words, it helps to prevent health insurance fraud.
JustinL
May 28th, 2010 at 10:25 pm
Because a handful of conservative Democrats (i.e., corporate whores) were opposed to the public option, and the Republicans’ obstructionism meant that 60 votes (i.e., the votes of every single Democrat) were required to pass the Senate bill.
Kingfish
May 28th, 2010 at 10:45 pm
Why do we have to pay income tax when there is no law for that? The government does whatever it wants now with no regard for the constitution, otherwise known as that “G-damn piece of paper” according to George Bush.
Until people turn off the TVs and XBoxs and really demand “change”, next thing will be we will have to pay the carbon tax to the International Monetary Fund Bank, for just breathing and everything else we do that you can think of.
Fillup Spase
May 28th, 2010 at 11:24 pm
….uber radical conservatives were going to burn down america if universal health care had passed ….they bullied a watered down H.C. Bill onto Americans….
Madison
May 28th, 2010 at 11:31 pm
The answer is the risk pool has to include everyone in order to make it work. Think about it. Everyone wants all prior conditions to be covered. This means than no matter how unhealthy you are or how bad a condition you are in you will be able to get insurance at a reasonable cost. Secondly everyone wants to end the insurance company practice of cancelling policies when someone who has insurance gets real sick. This means everyone, including the most unhealthy people and people who later get real sick need to be covered. Health insurance means nothing if you can’t get it because you are too sick or you will lose it if you get sick. Therefore the new law says these practices have to stop. Everyone can get coverage and everyone can keep coverage at a reasonable affordable price. Now to do this we can not just have the sickest people paying for it. The premiums would be out of sight and no one could afford it. The whole purpose of insurance is to give everyone the security of have coverage if needed. If young healthy people are allowed to opt out of the plan until they get sick that wont work either. Therefore everyone needs to be in the pool of people paying premiums so if you do have a catastrophic health problem you will be covered.
Edward B
May 29th, 2010 at 12:18 am
Did you know medicare denies more claims than any of the private insurance companies do?
The mandate is not about whether or not you have health insurance, it’s about going toward a single payer system the government controls. When everyone is in the pool, and medical records are no longer private, the government has the power to control your medical care.
I fear there will be more of the denials going on than ever before, once this all gets enacted.
As to the point another person posted in response to this question. Car insurance is mandated by the states, and NOT the federal government. You must at least protect the interest of the other drivers you share the road with. That is part of your driving privilege. You do not have the right to drive, that is a privilege that must be paid for.
U.N. Charter is Marx Manifesto!
May 29th, 2010 at 12:29 am
The tea party people have been trying to tell everyone that Obama lies, but the propaganda machine does nothing but attack republicans so that hopefully, no one will pay attention to the communist takeover.
historiational
May 29th, 2010 at 12:34 am
Well, it does and it doesn’t. It mandates that everyone buy health insurance in the same manner that the Ten Commandments mandates not taking the name of the Lord in vain. It says don’t do it, but provides no penalty (at least, in this life).
I have read the entire Bill…I don’t have a life!
It is being bandied about that the Bill ‘forces’ people to buy something, i.e., health insurance. Supporters of the Bill will say that this is so, because one of the ways it is supposed to cut down costs is that it supposedly forces the young and healthy–who usually do not get sick and often never need health care until they are much older–to buy health insurance that statistics confirm they will probably not use. If people who are not likely to make a claim are made to buy insurance, it strengthens the insurance companies and–theoretically–drives down costs for individual policies.
The opponents of the Bill are screaming that it is somehow unconstitutional to ‘force’ anyone to buy anything, in the face of the Interstate Commerce sections of the Constitution which the government has always used to do just that, and has always been upheld by the Supreme Court–try not paying your SS payroll deduction if you’d like to test the theory.
The joke on both the supporters and the opponents–and this is where actually reading the bill comes in handy–is that the penalty portion of the Bill is purposely unenforceable. In other words, there is no mechanism in the law to extract the so-called penalty one is allegedly liable to pay if one does not buy insurance. In the drafts there was an enforceable penalty, but it was so watered down that, in effect, there is no way to collect said penalty.
The supporters don’t want you to know that this cost-cutting provision is not enforceable because that would mean that the actual cost-cutting is problematic at best. The opponents don’t want to mention this either, because it negates their ‘it is unconstitutional’ talking point.
There are, of course, a number of very good provisions; getting rid of the pre-existing conditions, lifetime cost caps, the ability of the insurance companies to drop you if you get sick, etc. But there is much nonsense also.
The reality is: very few supporters or opponents have actually read the Bill they are fighting about. They are merely trading talking points.
Having read the Bill myself, I know. Do you wonder why I am so cynical?
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