Phoenix32890 wrote:Green Witch- Before I went on Medicare (which sucks, big time) I had to pay my own individual health insurance. It cost me $10,000 a year for 5 years. So you may say that I could afford it. Maybe so, but that meant that I could not afford something else with the money that I paid for the insurance.
I put a high priority on health insurance, maybe because my past experience with medical bills have made me aware of how important being insured is. I would rather do without some luxury, than leave myself open to medical bills that I can't pay.
Hmmm which "luxury" should I eliminate - basic food (I grow 1/3 of my own), heating fuel oil or business liability insurance? My husband and I togther spend less than $500 a year on clothing, we almost never eat out or go on vacation. We lived on $35,000 last year and $6,500 went to property and school tax. Another chunk went to auto insurance (we have two trucks for our business and young men who drive them), another chunk went into solar panels to replace our 1940's hot water system (we did the installation work ourselves). We don't do luxury. Some days giving it up and going to work for Target looks good.
I have a health savings plan and pay my doctor in cash and trade, but I rarely go for even the most basic care. I know hospitals can't turn me down, but I also know everyone with insurance is paying for the uninsured with high rates (that's why asprin costs $8 in a hospital if you have insurance). Ironically, I am better off not to have insurance with our system because the hospital will just charge bigger rates to those with insurance and send me home with a $10 a month payment plan.
I don't believe in "the free lunch" system, but that is what our system currently ends up giving. I would rather pay my share into a national plan that covers everyone fairly. Sure the rich will have more options, but I would rather have basic options than what I currently deal with.