Quote:
Originally Posted by JD Barleycorn
and I must point out that insurance companies are private and you can always walk away. The government insists (strongly) that you remain with them and you really have no choice to walk away for something better....unless you are the president or VP or the CEO of some companies. So if you know about your insurance company's "death panel" then you choose to find another company.
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There is no health insurance company that doesn't make decisions on whether to pay or not on patients who are needing any treatments, much less expensive ones. That's just the way their business model works - to try and pay out as little as possible since everything else is profit.
If you walk away, you're still stuck with a huge bill for treatment so I don't see how you're better off.
Finally, as has been stated in many other threads, the fine for not having health insurance is a scaling one but will always be less than the actual cost of health insurance (and if you are poor enough, will be waived).
At some point in their lives, everyone is going to require health care, whether they can pay for it or not. The ACA is attempting to help keep costs down by preventing (or at least penalizing) those who selfishly choose not to get any health insurance from driving up the cost for everyone else.
But back to my original point - if you have any health insurance, you're going to have to deal with someone making a determination if your treatment will be covered. That's how things are currently.