[HM2Viking]

http://www.commonwealthfund.org/char...ttrib_id=14465

[Woodenpug]

Originally Posted by scottlgarrett

You failed to mention that that drunk driver was in Arizona and is an illegal alien with no insurance and drunk. So now our fisherman is SOL because he bleeds out all over the road from his ruptured spleen before EMS arrives, and national healthcare would not have helped him any how.
This is a fact of life around these parts.

Too true, however which bad decisions did the fisherman make? And perhaps, EMS does arrive on time - let's not overload your student fisherman with too much bad luck.

[HM2Viking]

Originally Posted by scottlgarrett

O.K here is my sob story: I work 2 jobs, I work 7 days a week. Health insurance at job # 1 would cost me 1400.00 dollars per month, thats 700.00 per pay check, at job 2 1000.00 per month or 250.00 per pay check. I insure out of my own pocket my wife and my 2 kids for 150.00 per month with a $ 10,000.00 deductable, my wife has a pre-existing condition which is not covered and I pay for that all on my own. I cannot even deduct the premium I pay off of my income tax. I don't whine about it I just do it.

Those of you who are whining about COBRA, my violins are playing. If you are going to switch jobs and move, perhaps you should think about saving up enough money to cover COBRA while you are in transition, if you think you cannot save the money then you should reevaluate your spending habits. makes sense to me.

You and your family are among the underinsured Americans. As a nurse you probably help your wife avoid exacerbations of her illness but the point remains that you and your family should have access to better and more affordable coverage. One of the primary definitions of insurance is to spread risk across a larger group.

The kind of coverage you have is the kind that forces families into Bankruptcy when an unexpected illness or injury occurs. I don't know what an LPN makes in Az but I would venture to guess that you are betting 25-30% of your annual salary against catastrophic illness or injury. The larger question becomes What would happen to your family if you couldn't work? You are already working 2 jobs to make ends meet for your family.

[HM2Viking]

[Jolie]

Sounds to me like scottlgarrett and his family are doing just fine.

There is nothing wrong with high-deductible health insurance. Millions of us carry it and find it quite satisfactory, for a number of reasons:

1. Premiums are affordable.
2. We are responsible for budgeting for predictible healthcare expenses and for non-catastrophic costs.3. Many providers are willing to negotiate rates for services prior to meeting the deductible, giving us control over costs.
4. We have protection against catastrophic loss.

High deductible health insurance is what insurance was originally designed and intended to be: protection from catastrophic costs. Insurance is not, nor should it be pre-paid healthcare.

[HM2Viking]

[scottlgarrett]

Originally Posted by HM2Viking

You and your family are among the underinsured Americans. As a nurse you probably help your wife avoid exacerbations of her illness but the point remains that you and your family should have access to better and more affordable coverage. One of the primary definitions of insurance is to spread risk across a larger group.

The kind of coverage you have is the kind that forces families into Bankruptcy when an unexpected illness or injury occurs. I don't know what an LPN makes in Az but I would venture to guess that you are betting 25-30% of your annual salary against catastrophic illness or injury. The larger question becomes What would happen to your family if you couldn't work? You are already working 2 jobs to make ends meet for your family.

Well I have a hefty life insurance policy on my wife, so that gives me peace of mind. Her preexcisting condition is hyperthyroid and she does not medicate for it her MD just monitors her TSH T3 and T4. Not much for me to do there.
If there is a catastrophic illness or injury that person will still be treated and cared for with or without insurance, bankruptcy is not the worst thing that can happen to anyone. If I could not work then my family would step in and help out until such time as I die or am able to work again. I still do not want the government giving me anything.
By the way I was not whining when I posted my sob story, I work 2 full time jobs of my own accord, not because I have to. I choose not to buy the health insurance offered by my employers because I feel it is too expensive. I buy the BCBS health insurance with the 10,000.00 deductable because we are mostly healthy. If something big and bad does happen then I am on the hook for 10K.

The 'NANNY STATE" you reffered to last night will come about when all citizens of the Unites States are forced to take healthcare from the NANNY government.

85K 2 jobs my life.

[HM2Viking]

[quote=Jolie;2640320]Sounds to me like scottlgarrett and his family are

[scottlgarrett]

[quote=HM2Viking;2640356]

Originally Posted by Jolie

Sounds to me like scottlgarrett and his family are

Perhaps you could find some statistics from countries with similar populations to the United states.
I just took a look at the website where you are getting your graphs from, and it surely doen not look like there is an agenda.

www.commonwealthfund.org

[HM2Viking]

Originally Posted by Jolie

Sounds to me like scottlgarrett and his family are doing just fine.

There is nothing wrong with high-deductible health insurance. Millions of us carry it and find it quite satisfactory, for a number of reasons:

1. Premiums are affordable.
2. We are responsible for budgeting for predictible healthcare expenses and for non-catastrophic costs.3. Many providers are willing to negotiate rates for services prior to meeting the deductible, giving us control over costs.
4. We have protection against catastrophic loss.

High deductible health insurance is what insurance was originally designed and intended to be: protection from catastrophic costs. Insurance is not, nor should it be pre-paid healthcare.

It is much easier to self insure against a $10,000 loss with a $150,000/yr annual income than a $60,000/yr annual income. A 6.7% loss of income can be absorbed much more easily than a 16.7% loss of annual income.