Posted on Jun 26, 2017
Senate GOP updates health care bill to include 6-month lockout for uninsured
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Edited >1 y ago
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Not sure I understand your question. The point is to encourage everyone to have and pay into medical insurance without forcing it on them. The incentive here is to provide a condition which prevents exchanges from completely denying people based on preconditions, but still places the responsibility of the individual (and encourages them) to retain their coverage. The goal, as it states, is to avoid having people apply for their insurance as soon as they contract a condition. These people would be taking advantage of the system, while the rest of us pay our premiums. At the same time, we also don't have to push a high monetary penalty against the individual, essentially pricing them completely out of ever getting insurance. Since there are no penalties though taxes compelling Americans to purchase insurance, they still have a choice.
Reading the report though, I'm confused as to whether the 6 months starts once you apply or after the 63 days (i.e. 6 months +63 days). The ObamaCare-lite issue comes into the fold by the fact that insurance companies still have to accept pre-conditions (which can drive costs up too), but I see this as a fair compromise if the 6 month lockout applies after the 63 days and the clock starts once the individual re-applies. It sucks that we as a nation have to provide incentives and push penalties to encourage individuals to be responsible, but I'm comfortable in that we would not be forcing it one them as we do through a tax imposed penalty. You want to live life on the edge without insurance? Have at it... But don't wine to me if you get sick and can't be treated through insurance because you took your chances by not getting insured. My advice to them, save your money and be prepared to pay the doctors directly for that 6 month period.
Reading the report though, I'm confused as to whether the 6 months starts once you apply or after the 63 days (i.e. 6 months +63 days). The ObamaCare-lite issue comes into the fold by the fact that insurance companies still have to accept pre-conditions (which can drive costs up too), but I see this as a fair compromise if the 6 month lockout applies after the 63 days and the clock starts once the individual re-applies. It sucks that we as a nation have to provide incentives and push penalties to encourage individuals to be responsible, but I'm comfortable in that we would not be forcing it one them as we do through a tax imposed penalty. You want to live life on the edge without insurance? Have at it... But don't wine to me if you get sick and can't be treated through insurance because you took your chances by not getting insured. My advice to them, save your money and be prepared to pay the doctors directly for that 6 month period.
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SSG Michael Hartsfield
So it's bad to have someone pay a penalty for not having insurance under Obamacare but their own tough luck if they don't have insurance and have to wait 6 months to get it under Trumpcare? Huh?!
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Maj Kevin "Mac" McLaughlin
Wow... You completely ignored my entire statement didn't you? What was bad is to have the government force citizens to buy health insurance. This 6 month requirement is based on a period of time to renew and/or an individual choosing not to apply for insurance in the first place. Once again, the goal is to avoid having those who would cheat the system. If you and I are responsible and pay into the system for several years, why should an individual who paid nothing for years be allowed to decide to come in when he or she gets sick? We've paid thousands and they've paid nothing. In this plan you encourage people to do the responsible thing, you penalize those who decide to instead take risks, and you potentially enable insurance companies to reduce costs for insurance. The Dems also get to take credit for pre-existing conditions as part of the requirement of insurers along with allowing up to 26 year olds to stay on their parent's plan. I'm not a fan of the 26 year old clause, but I'm willing to see it remain if we take more of the government out of forcing citizens to buy insurance.
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Cpl Jeff N.
You don't wait until you have an accident to buy auto insurance. You will not be covered. This is the same principle. People need to get insurance and stay in the system paying premiums for insurance to work. If you don't want insurance, don't buy it but you can be locked out for 6 months. As long as you know that going in, what is the issue?
I have been paying insurance premiums in the private sector for years and have had precious little to claim, thankfully. Insurance works on pooled risk and some will pay more in premiums than they collect in payouts. You seem to think people should wait until they are diagnosed with a disease before deciding to buy insurance. That is not insurance.
I have been paying insurance premiums in the private sector for years and have had precious little to claim, thankfully. Insurance works on pooled risk and some will pay more in premiums than they collect in payouts. You seem to think people should wait until they are diagnosed with a disease before deciding to buy insurance. That is not insurance.
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You mean like once a year (unless you have a QLE)? Also, like an annual fine? Yeah, there's a reason people call it Obamacare Lite.
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