I don't really understand the incredible volume of complaints the individual mandate has generated, to be perfectly honest. Is there some huge population of people out there who CHOOSE not to get health care even though it's available and who feel being required to get it is an unfair burden? Basically anything beyond extremely basic medical care is insanely expensive in this country...are people just gambling that they won't need medical care? Sure, healthy habits can help...but you never know what's going to happen in the future.
Or is the problem more about the principle of the thing than any actual impact? I'm honestly not quite understanding why some people are going so apeshit over the individual mandate. Nobody likes to be told they HAVE to do something. But to my way of thinking, it's mandating something you PROBABLY should have been doing in the first place.
The reason most people don't have health insurance is because of the cost, not because they don't want it.
A decent plan with
low deductibles and good coverage can cost many thousands per year just for an individual.
Now go ask the average person what the difference is between a PPO, HMO, Indemnity plan yet somehow you expect them to go get insurance that is right for them.
Indemnity the cheapest
Indemnity plan may be right for you if:
- You want the greatest level of freedom possible in choosing which doctors or hospitals to visit
- You don't mind coordinating the billing and reimbursement of your claims yourself(have fun with this part)
PPO may be right for you if:
- Your favorite doctor already participates in the PPO (use our Doctor Finder tool to find out)
- You want some freedom to direct your own health care but don't mind working within a list of preferred providers
An EPO is a Exclusive Provider Organization. As a member of an EPO, you can use the doctors and hospitals within the EPO network, but cannot go outside of the network for care. There are no out-of-network benefits.
HMO may be right for you if:
- You're willing to play by the rules and coordinate your care through a primary care physician
- You're looking for comprehensive benefits at a reasonable monthly premium
- You value preventive care services: coverage for checkups, immunizations and similar services are often emphasized by HMOs
Some of the different plans available , I put in zip code 11716 and 90714, put in your own to see rates in different parts of the country,
pay attention to the deductibles (remember most lower income people live paycheck to paycheck) and pay attention to the details of the plan.
http://www.ehealthinsurance.com/ehi/ifp/all-plans?sortOption=PRICE
What I find most ironic is how the Republicans are considered mean and cruel for going after welfare recipients, lower middle classes, illegals, etc.when they promote their personal responsibility and bad choices mantra,
yet the Democrats have acted just the same by pushing a tax on those lower middle class because of supposed personal responsibility and bad choice in not getting health insurance.