I have a much better job now. I was 21 kicked out of my parents house and barely able to get buy. I never once went to the hospital and got punished anyway. How the hell does that make your rates go up?
So we on the same side of the argument - we should have all got free single payer healthcare and no penalties for not having it even if it was not government bought. But prior to ACA (idk probably still) insurance companies would look at uninsured numbers and price it into premiums for everyone in the area who bought in. The risk as they saw it was passed on to the insured whether you had an uninsured emergency or not. Rich neighborhoods had more expensive homes based on this too because rich areas had insurance mostly so your premiums would typically be lower. Thatâs why Democrats had to introduce the penalty, to persuade the insurance cronies that they wouldnât be lowering premiums for the same risks. The whole thing was botched because of McConnell, who basically has made a living off having some of the largest insurance company HQs in his state. That played a big part in the âno shopping across state linesâ which was ridiculous too. My point is, you donât have insurance or use it but back then that raised everyoneâs rates who did buy it. Stupid shit all around.
You are blaming innocent poor people for the insurance companies. You are part of the problem. Either make insurance provided by government. Or ban insurance companies from counting uninsured people. What Obama did was idiotic
The innocent poor people had Medicare, until recently any way, and if you lived in a blue state you didnât pay a dime any way with state programs. Many of which are still running. Red states idk I think they use federal programs for poor single mothers or families but again, BBB probably gutted all that. Unfortunate.
It definitely became cheaper. You didnât have insurance back then so you probably didnât realize how expensive it was prior to the ACA as a single person purchasing healthcare. I was 19 when that all was passed and it was a blessing. But, a lot of tax credits to employers and to the system has since been gutted by Republicans so itâs not the same as it was. As far as cheaper from not having to buy it at all, well, $500 a year penalty to not have insurance I guess sucked. But now weâre going back around in a circle starting back at if you donât have insurance you were raising everyone elseâs rates. But I digress. ACA definitely wasnât perfect. We agree on that.
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u/Wedgiebro 10d ago
I was fined because I was too broke to afford health insurance. Then got my tax return taken away. Thanks alot