Now consider this...you get laid off from your current job and have to work for a small employer or yourself and can't get insurance because the little company does not offer insurance and you have to get it on your own but that is a problem because you have a condition they don't want to insure. Bottomline you are out of luck.
Now because of the mandate to get insurance you don't have to worry anymore because you can get insurance in any situation and no longer have to worry about losing your life saving paying medical bills because you don't have insurance.
Just remember you could be that guy!
EMPATHY - something few on thith forum understand!
Now if you were not and had a preexistion condition you might get off your high horse!
I should be bit@#ing about all the medicare insurance I have to pay so you can get the free ride. Don't tell me that you paid for it while you were working, because you did not pay near enough to cover the cost if you get sick
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First, when I had employer insurance with a small company (about 10 employees, including the owners), I was the one in charge of selecting it. I specifically looked for the group provider that would allow employees to "convert" to private policy if they left this employer. I paid myself, as a self-employed individual, on that "converted" health insurance for 20 years. This was intended, and did, protect ALL the employees from being left without a job and a pre-existing condition that would prevent them from getting private insurance. Since I had been licensed in life/health insurance, I had some background knowledge that some other people might not have had, and maybe some empathy for those I had seen get left without health insurance.
I'd venture that there might be many employer group policies that would allow "conversion" to individual policies. The premium will be higher, yes, but it would help those with pre-existing conditions as their coverage will not be interrupted. Mike would know better if that has become less available since back then.
While it was sometimes difficult to pay that premium over the years, I took responsibility for doing so, and gave up some other things, even though I was fortunate to be healthy and never exceeded my annual deductible.
You may be contributing to Medicare ... as I did since it's beginning and that doesn't stop while you're still working after age 65. I also pay an additional $104/mo for Part B coverage and always will. Those premiums go up each year, even when SS benefits don't. Not much, you might say, but more than many Medicaid recipients may pay. For seniors on SS less fortunate than I am, that is not such a "free ride."
I also carry a Medicare supplement which may not be needed now, but might be if I get a catastrophic illness, not unlikely as I get older. I also carry additional nursing home insurance so I won't be a strain on the Medicaid system if I ever have to spend extended time in a nursing home (the cost of which is astronomical as I learned when my mother was in a nursing home for two years). I started paying on that when I was about 45 since I knew that I could get the better premium the younger I started with it.
Over the years I have done every type of job from washing dishes, to cleaning houses, to retail, to legal secretary, to ultimately being a general manager for a small OTC company later sold to a big-pharma company.
I did take riding lessons in college, but I prefer driving my 10-yr-old Toyota Highlander Perhaps you ride horses more than I do?
"Know in your heart that all things are possible. We couldn't conceive of a miracle if none ever happened." -Libby Fudim
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"For everyone to whom much is given, of him shall much be required." -- Luke 12:48
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The housing market was also reformed in the 90's and this house of cards came crashing down in 2007-2009.
If the ACA does go into complete implementation this, pie in the sky, will also fall to the ground in 10-15 years. Then the current president, not now but then, will get the blame.
The main problem is, with our current level of debt, the intervals between these events are becoming shorter and shorter. Also, the bullets left to alleviate these problems are very few. A world currency is one major bullet left but most refer to this as conspiracy theory thinking.