Young adults are faced with risky decision to get health insurance

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  • lost in DC West Jordan, UT
    Dec. 13, 2013 1:33 p.m.

    Obamacare won't fail because of people being selfish, it will fail because it is unworkable and fatally flawed.

    I do not for one minute contend that I know the thoughts and intents of others' hearts, or if they are trying to be true disciples of Christ. Perhaps that is why I don't claim they have an attitude of "other people aren't my problem".

    And you talk about something being morally codified into public policy. I thought liberals were diametrically opposed to legislating morality. But then, like I said, I don't know the thoughts and intents of their hearts - I guess, from your comment, that liberals DO want morality legislated.

    May I ask, who's morality do you want codified into law?

  • 10CC Bountiful, UT
    Dec. 13, 2013 12:23 p.m.

    Lost in DC:

    You misconstrued the point I was making.

    I'm healthy, but I don't mind being in a larger pool of people with health problems. I'm of the mindset that we're all in this thing together, that people do better when we're looking out for each other.

    When society devolves into individuals who seek their own interests first and foremost, with a distant consideration given to charity (if at all), we're moving toward a more explicit Survival of the Fittest ethos, which is exactly what Jesus was not teaching.

    If Obamacare fails because people want to be selfish, we're moving toward Darwinism.

    Most Republicans are Christian, which is the supreme irony in moving to a "other people aren't my problem!" mindset, not just in attitude, but morality codified into public policy. Doing charity for others will basically amount to donating to the homeless shelter and buying some boots for impoverished children... pretty much what we have right now, which is simply not enough (otherwise people wouldn't appear at the ER with serious problems that should have been caught earlier by a primary care physician).

  • lost in DC West Jordan, UT
    Dec. 13, 2013 9:41 a.m.

    If Obamacare were as wonderful as the liberal would have you believe, why do they have to work so hard to convince people to sign up, especially young people who are supposed to be BO supporters?

    Why would a person under 26 sign up, when they can be on their parents’ plan?

    For most young people, it’s probably cheaper to pay the fine (SCOTUS said it’s a tax) AND pay for any medical expenses than buy insurance.

    Be glad you paid for those young people’s education. Somebody paid for yours!

    Obamacare REWARDS the for-profit health care system. Your attack is misguided.

    Blame Obamacare for your not being able to get into a low-risk pool. Obamacare prevents risk-grouping by requiring coverage for all.

  • trueblue75 USA, NC
    Dec. 13, 2013 8:31 a.m.

    reading through some comments, it appears to me that either the old way or the "imposed/forced way" will amount to pretty much the same...Those who are working and healthy will bear the expense. So why on earth have this forced on us? We're already paying. We're getting ourselves deeper and deeper into 'big brother' dependency. Where have we lost the personal responsibility for ourselves??? There will always be those who need at one point or other in their lives and yes we help them; but, it should not be a life-style attitude.

  • 10CC Bountiful, UT
    Dec. 12, 2013 5:30 p.m.


    You're getting very close to the moral tensions inherent in applying the free market to health insurance. When I worked in health insurance, the game was about how to attract young, healthy employees of an employer client, while letting the *other* insurance companies get the older, less healthy, more expensive employees. Younger, healthier employees cost less money, and as the insurance company, that's pure profit for us. Older, less healthy employees, or people with problem family health issues, were to be avoided, very costly, a loss to our bottom line.

    If we push the auto-insurance model too far, we'll see tiered insurance offerings and thereby (by a process of elimination in selecting preferred clients) punish people with less "desirable" genetic backgrounds, as I satirically described above.

    This would be a free market solution, it would eliminate cost shifting from healthy people toward unhealthy people, and would be a strong move toward Darwinism... survival of the fittest by tiering the population based on healthcare expenditure risk.

    This would be a utopia for the Darwinist model of thought, but I'm pretty sure this would be a nightmare scenario, from a "What Would Jesus Do" perspective.

  • RedShirt USS Enterprise, UT
    Dec. 12, 2013 11:54 a.m.

    What risk? Thanks to Obamacare, the young adults can pay a small fine for not having health insurance, which is less than actually buying insurance. Now, if they get hurt, they cost to get a cast put on is less than what they would have paid in premiums. However, if it is something that is going to require surgery, no problem. Sign up for insurance the day they diagnose you with a problem and now the insurance company has to take you and pay for your care. Then when your treatment is over, stop paying for your insurance and wait until you need care again.

    We have removed risk from equation. It is now a game about how to get the young and healthy to sign up to support the older people.

  • Say No to BO Mapleton, UT
    Dec. 12, 2013 11:39 a.m.

    How are they going to handle a $6,000 deductible?
    These pitchmen would do better to hype the birth control benefit, which is a disgusting ad campaign.

  • JimInSLC Salt Lake City, UT
    Dec. 12, 2013 11:37 a.m.

    The fine for not having insurance is relatively small the first year. The second year fine is greater and the third year fine is fairly substantial. Not sure, but I think it can increase to 10 percent of earnings. Since the only way the fine can supposedly be collected is from IRS withheld taxes this might drive a lot of youth into starting their own businesses so that they can control how much money is sent for taxes. Or, maybe just claim more deductions so less taxes are withheld

    I have heard reports that the govt. can suspend driver privileges and put leans on property to collect the fine, but according to what I have heard that is not in the bill.

    The purpose of Obamacare is to destroy the current system and I think that it will accomplish that.

  • 10CC Bountiful, UT
    Dec. 12, 2013 11:32 a.m.

    Moderate makes a great point - if the youth want to skip out of paying into the insurance pool, let's have them reimburse society for their K-12 education, first.

    As for those whining about youth having to cover the costs of maternity care, we can take that line of thinking a few steps further:

    My family has basically no history of cancer or heart disease in our family. Why shouldn't we be able to join a "preferred" health insurance pool, just like is done with auto insurance, since we present a lower risk of incurring expensive healthcare problems.

    Sure, it's illegal for insurance companies to factor in a person having a genetic predisposition to certain expensive health issues, but why couldn't healthy people voluntarily submit their own DNA to qualify for greatly reduced health insurance premiums?

    This will make insurance a lot more expensive for those people who have cancer, heart disease and diabetes in their families, but hey, life isn't fair.

    For that matter, just like how employers check the credit history of potential employees, people who are dating can check what health insurance their dates have, so they can assess their potential financial burden.

  • Beverly Eden, UT
    Dec. 12, 2013 10:13 a.m.

    The only lipstick smearing on a pig is done in support of a profit driven health care system. Just imagine no drug commercials on TV, no drug sales people bugging the heck out of doctors, and no insurance companies trying to scare people into buying over priced policies. Our Country's health care is changing for the better and conservatives, as with Social Security and Medicare in the past, will eventually understand and catch up.

  • AT Elk River, MN
    Dec. 12, 2013 10:10 a.m.

    The best financial decision for young people in good health is to skip the insurance and pay the fine. The fine will cost them less, considerably, than the insurance. They no longer need to worry about having "what if" insurance because they can always sign up for the insurance when their health expenditures exceed the cost of the difference between the insurance cost and the penalty.

  • Moderate Salt Lake City, UT
    Dec. 12, 2013 8:26 a.m.

    Even though I do not have children, for years I have beed forced to pay for the education other people's children. Ironically, people with children receive a tax break, so I pay a greater share of tax dollars to education.

    If a young person feels put out about subsidizing my primary health care, let's call it even. I paid for your primary education.

  • RBB Sandy, UT
    Dec. 12, 2013 6:25 a.m.

    Yes you are taking a risk by not being insured. However you are also taking a risk by being insured. If you are struggling to make ends meet, spending $3000-4000 per year is also taking a risk which could cause a bankruptcy. Over a ten year period, the odds that a 20 year old is going to rack up $40, 000 in medical bills is pretty low. Thus many may decide to self insure. Why should a single guy pay for maternity coverage and birth control? If it were not for all of the mandates, a young person could get a pretty inexpensive policy to cover against a major loss. Now they have to buy a bunch of stuff they do not need to subsidize older people who likely have higher incomes and more assets.

    I am from a great generation. We have learned how to borrow from our children and grandchildren ($17, 000, 000, 000, 000 so far) and tell them it is for their benefit. Now please understand thay it is for your benefit to subsidize our health care.

  • Laura Ann Layton, UT
    Dec. 11, 2013 11:50 p.m.

    I was a healthy 27 year old when one day, I started having trouble seeing in one of my eyes. I had MS. I didn't even know what the disease was. Thankfully, I had a full-time job and was insured. I hope young people do get insurance. I'm pretty sure, we, as a country, are going about it the wrong way. Guess we'll see.

  • wYo8 Rock Springs, WY
    Dec. 11, 2013 10:22 p.m.

    10CC are we not asking the young to bear the cost for others with obamacare what is the difference.

  • JayTee Sandy, UT
    Dec. 11, 2013 8:51 p.m.

    Evidently, the liberals figure that if they just continue to smear enough lipstick on this pig, nobody will ever recognize it as an actual pig. What they don't seem to realize is that all the major components of the law are totally wrong and unworkable, and represent strong evidence that those drafting the legislation obviously don't understand the realistic basics regarding government, economics, "health" care, or insurance. They just figure that if they point fingers elsewhere and keep singing the scripted praises, somehow it will all just work out wonderfully at some point. Never gonna happen.

  • 10CC Bountiful, UT
    Dec. 11, 2013 7:43 p.m.

    It's very odd that conservatives, in their zeal to hammer Obama, are encouraging young people to not engage in "inter generational subsidies", ie, not be responsible and insure themselves.

    Apparently the mentality is to avoid buying insurance, and then depend on Reagan's law that requires Emergency Rooms to provide treatment regardless of the patient's ability to pay, thereby shifting the cost onto others.

    Yet we're lectured by conservatives that Obamacare is socialism, and sends erroneous signals to people that healthcare is free.

    Which way is it? You can't claim it's an onerous financial burden for individuals and families, and then moan about free healthcare ruining the incentive for people to take their health and fitness seriously.

    I'm starting to think we need to submit a missing persons report on conservatives, those people who encouraged self reliance, and being responsible. Who are these imposters? Oh yeah, I forgot - they hate Obama more than they support their own principles.

    Strange times...

  • patriot Cedar Hills, UT
    Dec. 11, 2013 6:50 p.m.

    young adults will be forced to buy - you watch. They will be forced to buy or be penalized big time. Its the Obama way. Any fool who thought that ANYTHING Barack promised is actually going to come to pass gets what they get. The man is a liar and 100% of the things he promised concerning Obamacare are outright lies....and we fell for it. Can you imagine - young healthy college kids are going to be FORCED to buy expensive insurance for maturity and mental heath and on and on... These are kids that are living off of Mac n Cheese and peanut butter sandwiches. Socialism destroys every single civilization it touches and shame on America for not being smarter and more informed back in 2009. Ignorance more than anything else leads to a loss of freedom.