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cementor · 03-19-2010, 03:20 PM

First the question is if there really are 30+ million, without insurance, who WANT insurance and I believe this is highly questionable.

I was unemployed for 7 months then started my own business which I netted 40K last year and somehow I prioritized healthcare coverage for my family of 4. This really becomes a question of desire. I know a number of much younger (healthy) folks who absolutely do not want insurance period. Nor do they want to pay for every one elses insurance and I'm pretty sure they don't want a government mandate that they must spend their money this way.

The point is we have a percentage of Americans, probably much less than the 10% of the population media would have us believe, who want insurance. This is the problem and segment that we should be immediatly addressing.

Just a quick Math Exercise

For 30M folks (using your number) At $1200/ month buys a family of 4 roughly a $1000 deductible policy (for reference, more expensive better coverage than I carry). Lets assume 2.5 people per family unit (just for aurgument). If you do the math we can buy insurance on the open market for 17.3B$ annually. That leaves us (94B CBO for reform annually for the current plan - 17.3B (30mln folks coverage)=76.7 B / year to go fix the real problems. Starting to sound like our government "oh its only a couple 10's of Billions"
How do we do it, eliminate pre-existing conditions. Oversimplification, but if your primary goal is to provide access to all who want insurance, this is the first step. Premiums will likely rise across the board, but what's new about that?

03-19-2010, 03:20 PM	#57 (permalink)
cementor Crazy Location: Denver	First the question is if there really are 30+ million, without insurance, who WANT insurance and I believe this is highly questionable. I was unemployed for 7 months then started my own business which I netted 40K last year and somehow I prioritized healthcare coverage for my family of 4. This really becomes a question of desire. I know a number of much younger (healthy) folks who absolutely do not want insurance period. Nor do they want to pay for every one elses insurance and I'm pretty sure they don't want a government mandate that they must spend their money this way. The point is we have a percentage of Americans, probably much less than the 10% of the population media would have us believe, who want insurance. This is the problem and segment that we should be immediatly addressing. Just a quick Math Exercise For 30M folks (using your number) At $1200/ month buys a family of 4 roughly a $1000 deductible policy (for reference, more expensive better coverage than I carry). Lets assume 2.5 people per family unit (just for aurgument). If you do the math we can buy insurance on the open market for 17.3B$ annually. That leaves us (94B CBO for reform annually for the current plan - 17.3B (30mln folks coverage)=76.7 B / year to go fix the real problems. Starting to sound like our government "oh its only a couple 10's of Billions" How do we do it, eliminate pre-existing conditions. Oversimplification, but if your primary goal is to provide access to all who want insurance, this is the first step. Premiums will likely rise across the board, but what's new about that? __________________ Cementor If I was any better I'd have to be twins!