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Originally Posted by willravel
This $1000 per year number assumes equal distribution, and reliable numbers. I think the interesting thing, though, would be to ask if these uninsured people can afford $1000 a year for health insurance. I am of the opinion, based on numbers from other countries with universal healthcare (cept France), that universal healthcare will actually save money for everyone. $83 a month is a rather small bill for insurance, agreed?
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I agree that we pay one way or the other. I also agree if everyone were forced to buy coverage average costs for the coverage would go down, based on the principle of adverse selection. For example a 25 year-old healthy single male may choose not to spend money on coverage because they may no perceive that the benefits outweigh the cost. Should they have that choice? In reality, forcing that person to buy coverage is like a tax. When I was 25 I had coverage because I had a wife and a child, if I had been single I would have spent the money on other things, and $83 would have been a big expense (but that was about 22 years ago).
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And for getting the benefits of the health care, I disagree. In my own experience, I know that just because you have insurance does not mean you will get proper care
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I agree. The reason is because of our system of having third parties buy our coverage. Our employer's incentive is different than the incentive of the individual regarding coverage. If you buy your own coverage you would select the things most important to you, your employer picks a plan based on what is important to them. The insurace company, paying the bills will focus on cost savings and profits. It is up to the consumer to play an active role, or they get screwed. We can certainly make our system more consumer friendly and more efficient even without universal coverage mandated by the government.