You should educate yourself on human nature through simple self interest. Sadly you will not, same reason why folks don't go to the doctor for routine visits. Assuming humans to be rational actors who behave in their own self interest is ridiculous. I know many very poor people who vote against their own interests all the time as an example. This is not out of some noble goal, but because they are easily misled.
Regular doctors visits are the first time many people find out they have a medical problem like high blood pressure, Type 2 diabetes and many other slow killers. There are negative health consequences to not finding out you are ill as well.
While your idea is interesting, many people simply cannot do that. They cannot get coverage for less money than they make in a year. Without group policies they are essentially uninsurable. I have a chronic condition that is highly correlated with a form of cancer. I doubt any non-group insurer would take me without some form of exclusion.
I have turned down jobs since the premium increase would be more than my increase in salary. The time this last happened it would have been more than $500 per pay period in insurance premium increase.
What you are indicating more states that the HSA is the least bad deal. Very likely HealthNet has simply done this to drive people to that plan.
Coverage for those things can be limited to their value. For health insurance it would have to be in the 10s of millions to even be close to reasonable.
The problem that this conversation illuminates is that you think only for yourself.
I am fine with money, I could easily handle a high deductible plan. It simply was not the deal I got when hired. Nor does everyone who is pushed into those plans make enough to even pay that deductible.
The idea that insurance companies should actually pay out once in a while is not political as far as I understand. Insurance companies have not paid out all dollars taken in for a long time. Investments are not needed for a great many to make huge profits.
I have no life insurance outside of what work provides. My significant other would have that and a paid for house and two paid for cars. As she has a job she would be fine.
A high deductible plan is no better or worse for those who plan. Can I pay the out of pocket? Sure, should I have too? No, that was not the fucking deal when I was hired.
Because it was part of the deal when they hired me. If you want to remove benefits I want a new deal.
A single illness can change that, or a single broken limb. Granted it depends on how high the deductible is and what your total out of pocket is. Never forget that many of these plans only pay 80% even after the deductible is reached until you have spent a good bit of change.
Just wait until you actually get sick. Then it will seem far less of a great deal.
These plans are a scam, they are attempting to move the cost of healthcare onto the worker while still claiming to provide coverage. I would rather get no coverage and a raise so I can buy my own. Mind you that raise would need to be $1000+/month.
No, I am giving them grief for spending tons of money on avoiding taxes thus making everyone else pay more. They have found a marginally legal way to cheat.
Effort is not something to be rewarded, only outcome.
I can fault them all I like. They are attempting to cheat. Legal is not the same as moral or ethical.
I enjoy the civilization my taxes provide for. If we all got to pick and choose we would not get this outcome. Instead we would all have to carry stout logs due to lack of bridges.
I have no tolerance for spending 20 minutes to get a 2 minute thing done. VZW's system is terrible. I want to pay the bill, it even offers to let you pay before you hear about your account if you select that it then tells you about your account before letting you pay. It was designed by a crazy person.
Which is why 90% of the time support for something is totally worthless.
Verizon wireless was rejecting some of the SMS we send our own employees. There is no one we could talk to who had any idea what to do. No customer facing person had any ability to tell us why they started doing this or if there was a process around it.
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100% of new ones.
You should educate yourself on human nature through simple self interest. Sadly you will not, same reason why folks don't go to the doctor for routine visits. Assuming humans to be rational actors who behave in their own self interest is ridiculous. I know many very poor people who vote against their own interests all the time as an example. This is not out of some noble goal, but because they are easily misled.
Citation please.
Regular doctors visits are the first time many people find out they have a medical problem like high blood pressure, Type 2 diabetes and many other slow killers. There are negative health consequences to not finding out you are ill as well.
What exactly is wrong with the NHS providing chronic care?
Insurance in nations with that sort of system is a whole different beast.
While your idea is interesting, many people simply cannot do that. They cannot get coverage for less money than they make in a year. Without group policies they are essentially uninsurable. I have a chronic condition that is highly correlated with a form of cancer. I doubt any non-group insurer would take me without some form of exclusion.
I have turned down jobs since the premium increase would be more than my increase in salary. The time this last happened it would have been more than $500 per pay period in insurance premium increase.
What you are indicating more states that the HSA is the least bad deal. Very likely HealthNet has simply done this to drive people to that plan.
Coverage for those things can be limited to their value. For health insurance it would have to be in the 10s of millions to even be close to reasonable.
The problem that this conversation illuminates is that you think only for yourself.
I am fine with money, I could easily handle a high deductible plan. It simply was not the deal I got when hired. Nor does everyone who is pushed into those plans make enough to even pay that deductible.
The idea that insurance companies should actually pay out once in a while is not political as far as I understand. Insurance companies have not paid out all dollars taken in for a long time. Investments are not needed for a great many to make huge profits.
I have no life insurance outside of what work provides. My significant other would have that and a paid for house and two paid for cars. As she has a job she would be fine.
I was attempting to educate you on why insurance covers regular visits. I was attempting to do so using you own analogy. Clearly you did not notice.
No insurer would want to insure someone who did not go to regular doctors visits. Most medical conditions are far cheaper to treat if caught early.
A shorter version that pretty much sums up all political discourse from the right in the USA is "Fuck you, I got mine!".
Lets see a citation for that.
Sounds like BS, I say that as someone who lived in such a system in the past.
Wow, you are dense.
I agreed to some benefits when hired, any changes to those means I need changes to my salary. Not because of some contract, but because I would quit.
Pushing costs onto me is simply not something I will accept.
If health insurance did not cover normal visits, no one would go. Prevention is cheaper.
My car warranty is voided if I do not get oil changes.
Sadly my only option was an FSA, which means they keep the money anyway so I might as well just pay for the more expensive insurance.
How that is legal I cannot understand.
On top of all that, this means only the young and well off can afford coverage and woe be to the underprivileged or the elderly.
People cannot make a sane argument against it.
They will however make greedy short sighted childish arguments against it.
What plan has a $1000 MRI copay?
That sounds like another scam.
Yearly and lifetime limits should be illegal. They go against the very notion of insurance.
Honestly I would be fine with a simple we pay nothing until $X, then we pay everything. Somehow that does not seem to be available at all.
A high deductible plan is no better or worse for those who plan. Can I pay the out of pocket? Sure, should I have too? No, that was not the fucking deal when I was hired.
Because it was part of the deal when they hired me.
If you want to remove benefits I want a new deal.
A single illness can change that, or a single broken limb. Granted it depends on how high the deductible is and what your total out of pocket is. Never forget that many of these plans only pay 80% even after the deductible is reached until you have spent a good bit of change.
Just wait until you actually get sick. Then it will seem far less of a great deal.
These plans are a scam, they are attempting to move the cost of healthcare onto the worker while still claiming to provide coverage. I would rather get no coverage and a raise so I can buy my own. Mind you that raise would need to be $1000+/month.
I already have a PS3 and if this sort of BS continues I might get a PS4.
For the other stuff I use a HTPC since hulu blocks non PC devices from their free site.
No, I am giving them grief for spending tons of money on avoiding taxes thus making everyone else pay more. They have found a marginally legal way to cheat.
Effort is not something to be rewarded, only outcome.
I can fault them all I like. They are attempting to cheat. Legal is not the same as moral or ethical.
I enjoy the civilization my taxes provide for. If we all got to pick and choose we would not get this outcome. Instead we would all have to carry stout logs due to lack of bridges.
No, why?
Netflix has no advertising. I play it on my PS3 with no subscription to any sony product and there are no ads.
I will consider it when I can play netflix on it without any sort of subscription.
What color is the sky on your world?
This is exactly what H1-B is used for all the time. Call up infosys and ask. They will be more than happy to replace your current helpdesk with H1-Bs.
I would then stop dealing with them.
I have no tolerance for spending 20 minutes to get a 2 minute thing done. VZW's system is terrible. I want to pay the bill, it even offers to let you pay before you hear about your account if you select that it then tells you about your account before letting you pay. It was designed by a crazy person.
Which is why 90% of the time support for something is totally worthless.
Verizon wireless was rejecting some of the SMS we send our own employees. There is no one we could talk to who had any idea what to do. No customer facing person had any ability to tell us why they started doing this or if there was a process around it.
Why does this never happen?
Heck, can I sue for defamation if they use a DMCA take down against me for posting this movie?