Obama Care

[12thMan]

[QUOTE=firstdown;677942]Thats the I'm a looser clause in the bill because full time students can allready stay covered under their parents policy until they are out of school. So these are probably the kids who are not going to school and are not working because if they had a job their employer would have to pay for their health coverage and play mommy and dady. Just think of those anti drug comercials and the mom yelling up for the guy to get a job while he is smoking a joint in his bed room.[/QUOTE/

Well it's not that cut and dry. This is one of the largest segments of uninsured in the country right now. I believe it's about a third; that's a lot of people. In fact, many of these kids are working full time jobs, they just can't freaking afford health insurance. Especially the ones who have recently graduated from college. Currently the age limit will vary from state to state, but for most states the cut-off is 18/19 yrs old.

So this provision will take a huge chunk of the uninsured that show up in emergency rooms or that need medical care and provide them coverage almost immediately.

[mlmpetert]

[quote=12thMan;677952]

Originally Posted by firstdown

Thats the I'm a looser clause in the bill because full time students can allready stay covered under their parents policy until they are out of school. So these are probably the kids who are not going to school and are not working because if they had a job their employer would have to pay for their health coverage and play mommy and dady. Just think of those anti drug comercials and the mom yelling up for the guy to get a job while he is smoking a joint in his bed room.[/QUOTE/

Well it's not that cut and dry. This is one of the largest segments of uninsured in the country right now. I believe it's about a third; that's a lot of people. In fact, many of these kids are working full time jobs, they just can't freaking afford health insurance. Especially the ones who have recently graduated from college. Currently the age limit will vary from state to state, but for most states the cut-off is 18/19 yrs old.

So this provision will take a huge chunk of the uninsured that show up in emergency rooms or that need medical care and provide them coverage almost immediately.

The reason for forcing young people to have health care insurance is to supplement the cost of providing health care insurance to old people. The reason why so many of them dont have health care insurance has a lot to do with the lack of need (or perceived need). Its one thing to risk it when your 25, single, no dependents, no possessions, all the while at a greatly reduced risk, versus taking the risk when you have a family, things to loose and are at a much higher risk. Its a gamble but its one that pays off for the vast majority of young people.

[mredskins]

[quote=mlmpetert;677979]

Originally Posted by 12thMan

The reason for forcing young people to have health care insurance is to supplement the cost of providing health care insurance to old people. The reason why so many of them dont have health care insurance has a lot to do with the lack of need (or perceived need). Its one thing to risk it when your 25, single, no dependents, no possessions, all the while at a greatly reduced risk, versus taking the risk when you have a family, things to loose and are at a much higher risk. Its a gamble but its one that pays off for the vast majority of young people.

Why should anyone have to take that gamble? If you lose you jeopardize having a family, things to lose, etc... because you are so buried in debit.

[firstdown]

[quote=mredskins;677984]

Originally Posted by mlmpetert

Why should anyone have to take that gamble? If you lose you jeopardize having a family, things to lose, etc... because you are so buried in debit.

So I'd like to set an appintment for you in my office so I can sell you maybe 7 to 10 different policies so you don't take any gambles in your ins needs. My point is everyone takes gambles of some kind when it comes to ins protection. Maybe the goverment should now provide dental, life ins. long term care, disability, retiment account, etc... because we dont want anyone to take any risk. Man I just wished everyone was like you and purchased every type of ins. Oh, I forgot cancer coverage, or how about gap ins, and lets not forget mortgage protection. Please bring your check book when you come because this will get pretty expensive nad you might want to take out a second job.

[mredskins]

[quote=firstdown;678014]

Originally Posted by mredskins

So I'd like to set an appintment for you in my office so I can sell you maybe 7 to 10 different policies so you don't take any gambles in your ins needs. My point is everyone takes gambles of some kind when it comes to ins protection. Maybe the goverment should now provide dental, life ins. long term care, disability, retiment account, etc... because we dont want anyone to take any risk. Man I just wished everyone was like you and purchased every type of ins. Oh, I forgot cancer coverage, or how about gap ins, and lets not forget mortgage protection. Please bring your check book when you come because this will get pretty expensive nad you might want to take out a second job.

Health Insurance is a necessity a lot of the other insurances you mentioned are luxuries. Do you think a baby or child should have to gamble on their health care because their parent can't find affordable health insurance?

And why the F do you care all it means to you is that you have to get rid of one of your 4 workers and the other 3 will have to pick up the slack of the .5 person worth of work left. Maybe and here is a thought you could cut into your profit or basically your paycheck from your businees and retain that person and give everyone the chance at health insurance in your office. Here are some thoughts on saving money: sell your boat, take fewer fishing trips, don't cut out early to play golf (green fees), or cut back on those business trips you keep telling the govt. you are going on.

In reality the 4th person that you need to layoff should be on here bitching not you, they are the ones getting kicked in the nuts.

[firstdown]

[quote=mredskins;678027]

Originally Posted by firstdown

Health Insurance is a necessity a lot of the other insurances you mentioned are luxuries. Do you think a baby or child should have to gamble on their health care because their parent can't find affordable health insurance?

And why the F do you care all it means to you is that you have to get rid of one of your 4 workers and the other 3 will have to pick up the slack of the .5 person worth of work left. Maybe and here is a thought you could cut into your profit or basically your paycheck from your businees and retain that person and give everyone the chance at health insurance in your office. Here are some thoughts on saving money: sell your boat, take fewer fishing trips, don't cut out early to play golf (green fees), or cut back on those business trips you keep telling the govt. you are going on.

In reality the 4th person that you need to layoff should be on here bitching not you, they are the ones getting kicked in the nuts.

You really seem to take account of everyting I post. Thank You.

[Slingin Sammy 33]

[quote=mredskins;678027]

Originally Posted by firstdown

Health Insurance is a necessity a lot of the other insurances you mentioned are luxuries. Do you think a baby or child should have to gamble on their health care because their parent can't find affordable health insurance?

And why the F do you care all it means to you is that you have to get rid of one of your 4 workers and the other 3 will have to pick up the slack of the .5 person worth of work left. Maybe and here is a thought you could cut into your profit or basically your paycheck from your businees and retain that person and give everyone the chance at health insurance in your office. Here are some thoughts on saving money: sell your boat, take fewer fishing trips, don't cut out early to play golf (green fees), or cut back on those business trips you keep telling the govt. you are going on.

In reality the 4th person that you need to layoff should be on here bitching not you, they are the ones getting kicked in the nuts.

I don't want to interrupt the back and forth with you and fd, but just wanted to share a couple of things to think about.

1) There are already state programs in place to provide health insurance for children (SCHIP). No new gov't program is needed here.

2) Why should fd or anyone who owns a small business have to cut into their business profits to provide health insurance for someone? If fd choses to offer health coverage it makes it more attractive to employees to work at his company, if he choses not to, that's his choice. He should not be mandated by the government to provide health insurance coverage.

My wife and I own a small restaurant (as a side business, I have a full-time job). Due to the economic downturn, we are working several more hours per week to keep "above water". Can I go to the federal government and have a mandate that my employees have to work for less money per hour so I can cover all the expenses? Will my employees cover the rent for April? Of course not. Keep in mind the financial risk small business owners take before you suggest they just "cut profits".

[saden1]

Originally Posted by Slingin Sammy 33

I don't want to interrupt the back and forth with you and fd, but just wanted to share a couple of things to think about.

1) There are already state programs in place to provide health insurance for children (SCHIP). No new gov't program is needed here.

2) Why should fd or anyone who owns a small business have to cut into their business profits to provide health insurance for someone? If fd choses to offer health coverage it makes it more attractive to employees to work at his company, if he choses not to, that's his choice. He should not be mandated by the government to provide health insurance coverage.

My wife and I own a small restaurant (as a side business, I have a full-time job). Due to the economic downturn, we are working several more hours per week to keep "above water". Can I go to the federal government and have a mandate that my employees have to work for less money per hour so I can cover all the expenses? Will my employees cover the rent for April? Of course not. Keep in mind the financial risk small business owners take before you suggest they just "cut profits".

By not providing healthcare to his employees FD is silently passing on the cost of covering his employees to the tax payers.

[firstdown]

[quote=12thMan;677952]

Originally Posted by firstdown

Thats the I'm a looser clause in the bill because full time students can allready stay covered under their parents policy until they are out of school. So these are probably the kids who are not going to school and are not working because if they had a job their employer would have to pay for their health coverage and play mommy and dady. Just think of those anti drug comercials and the mom yelling up for the guy to get a job while he is smoking a joint in his bed room.[/QUOTE/

Well it's not that cut and dry. This is one of the largest segments of uninsured in the country right now. I believe it's about a third; that's a lot of people. In fact, many of these kids are working full time jobs, they just can't freaking afford health insurance. Especially the ones who have recently graduated from college. Currently the age limit will vary from state to state, but for most states the cut-off is 18/19 yrs old.

So this provision will take a huge chunk of the uninsured that show up in emergency rooms or that need medical care and provide them coverage almost immediately.

Getting kicked off the parents policy at 18 to 19 is if they are not full time students. Premiums for a 19 yr old range from $50 to $140 depending on the type of policy they purchase. They sure seem to be able to afford cell phones which would by them a policy. I'd say most are like I was back when I was younger and feel they don't need health ins. because they don't have health issues.

I have a sales person who sells supplemental ins policies to employees of different businesses (think Aflack the duck but our product is better and cheaper). She will tell me right up front if its a business where most employees are under age 30 don't waist our time because they just don't buy these products. She then explains that most if they have the choice to either pocket the money or have the employer provide health ins. a large % put the money in their pocket. She has 25 yrs in the supplimental and health ins. field working on the front line so she knows what she is talking about. Yes there are some who just cannot afford it but that % is low.

Now that I think about it when my oldest was born back in 1985 I had no health ins and paid the doctors and hospital in cash/check. I had it all paid $2,000 before she was born but my X need a C section which cost another $2,000 which I paid the hospital in payments.