Quote:
Originally Posted by Tiddlywinks
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Nobody forces people to buy this. The tax "penalty" for not purchasing a plan is typically much less than the health insurance premiums are. The tax penalty ends up being, I believe, a max of 1%-2.5% of annual income, whereas the premiums are loosly based around 4-8% of an anual income.
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Is this kind of logic the same as saying income taxes are voluntary, because you can always decide not to pay them and just go to jail and then pay fines instead?
I have health insurance through my job that only costs me like 3% of my paycheck, but even I have thought about just dropping it altogether, as I'm young, healthy, and take good care of my health.
I really just want a plan that covers disastrous and crazy expensive things like getting hit by a car. You know, how every other form of insurance is structured. Unfortunately, Obamacare just adds to the various mandates of little piddly shit that insurance is now forced to cover.
Can you imagine how expensive car insurance would be if it was mandated to cover gasoline, window tinting, and every knick and ding? Not only would you pay more as the insurance company would take a little extra profit on every gallon of gas, but everyone would be going in for every minor little car problem and driving up the cost for everyone.
Seriously, make it legal and tax deductible to hold an insurance plan that only covers the super-rare and insanely expensive events. If I break an arm and need to pay a few hundred $ out of pocket, I'm cool with that.
You know why such plans are not legal? Because then they couldn't fuck over us young people to pay for all the bad health decisions made by the older generations.