Obamacare was too late to help me.

[halik]

snip

So you're insinuating that people in their 20s should be subsidizing your healthcare? Essentially what happened is that your small business was undercharging itself for your cost of healthcare and the "profit" you saw in the past was just the money you had to pay back out for the undercharged healthcare.

It's no different than a business not depreciating machinery properly and having an unexpected expense when they have to buy a new one. Your solution here, it would seem, is to have other people help you buy new machinery.

 

[mrpiggy]

You had a heart attack and probably would be dead..
To keep breathing, you had to pay $11,000.00, couldn't get your shiny new car, and business is harder now..
Wahhhhhh..!!

For some reason, I don't feel sorry for you.. Lot's of people "not" having heart attacks are in debt for more than $11K, driving old piece of crap cars, and can't find a job in any business. You got off cheap keeping yourself alive another day so you can keep bitching about how tough you have it now.

Regardless of Obama insurance or not, awful lot of bitching about not being dead. Perhaps you would have preferred being debt free, a passenger in a shiny new Hearse, and no business at all?

 

[WackyDan]

You had to pay that bill immediately before buying a car?

Seems like the lost business would have paid for both. Espeically if it was a cheap / used car. You already lost more than you needed to pay for one.

Bingo...OP shouldn't blame his poor business decisions on the current state of healthcare....

1. He is cheaper than any other service in his area... *You should charge what the market will allow - not heavily discount.
2. Pays the medical bill in full instead of fixing or replacing his car which is what generates a greater amount of income for him...
3. Goes on gov't assistance willingly.

Sounds like a failed business before the health issue sidelined him. Perhaps he can have gov't magically build him another business.

 

[Tom]

Yep getting paid a 6 figure salary without a college degree is really paying the price good health insurance coverage.

its great you have a good job and good health insurance. Good luck keeping it.

There's still a reason you should support reform, possibly including Obamacare.

The current healthcare "system" provides inadequate and expensive healthcare for the uninsured, the cost of which is passed on to everyone else when they can't pay.

 

[sactoking]

its great you have a good job and good health insurance. Good luck keeping it.

There's still a reason you should support reform, possibly including Obamacare.

The current healthcare "system" provides inadequate and expensive healthcare for the uninsured, the cost of which is passed on to everyone else when they can't pay.

The problem is that in the current system the uninsured receive inadequate and expensive healthcare that is ultimately passed on to everyone else when they can't pay in the form of higher taxes. Those taxes are based on income with those making more money paying more.

In the new system those who would have been uninsured will now have coverage but they'll still get expensive coverage and it will be partially passed on to everyone else in the form of premium subsidies and the remainder is passed on to everyone else in the form of premium reforms. The premium subsidies will be paid for by taxes based on income with those making more money paying more and the premium reforms will be paid for by premium increases with the healthier people paying more.

So, in reality, healthcare "reform" still passes on many costs to the taxpayers, but now some of that is apportioned based on income and the rest is based on health, as opposed to 100% being based on income in the current scenario.

 

[momeNt]

So you're insinuating that people in their 20s should be subsidizing your healthcare? Essentially what happened is that your small business was undercharging itself for your cost of healthcare and the "profit" you saw in the past was just the money you had to pay back out for the undercharged healthcare.

It's no different than a business not depreciating machinery properly and having an unexpected expense when they have to buy a new one. Your solution here, it would seem, is to have other people help you buy new machinery.

Healthcare is a right. Machinery isn't yet.

 

[BoberFett]

So you're insinuating that people in their 20s should be subsidizing your healthcare? Essentially what happened is that your small business was undercharging itself for your cost of healthcare and the "profit" you saw in the past was just the money you had to pay back out for the undercharged healthcare.

It's no different than a business not depreciating machinery properly and having an unexpected expense when they have to buy a new one. Your solution here, it would seem, is to have other people help you buy new machinery.

techs, by virtue of owning a small business but wanting others to subsidize his healthcare, wants to privatize his profit and socialize his losses.

 

[momeNt]

 

[Throckmorton]

True, but it's a good excuse to slow down - not a bad idea just after a heart attack.


True. The cost of your insurance is part of your compensation; therefore it is coming from your cut as much as it's coming from your employer.

My biggest problem with single payer is this attitude that there is a free lunch, that "someone else" should pay for our health care. Well, we're all "someone else" to other people. Just like the guy who gives the nice African prince his bank account info because he thinks he's going to get free money, we're going to screw ourselves royally trying to get a free lunch.

By definition, insurance means having someone else pay.


We just think gov makes a better insurer than private companies.

 

[CPA]

Actually its a subsidized insurance program for low income people that is in place temporarily until we go to a single payer universal health care plan.

And yes I am turning down some business. I have lost even more by not having a car.

So you've turned down some by choice. Got it.

 

[CPA]

Eh, not all hospitals are that forgiving when it comes to setting up payment plans. There's likely something else at work here.

In Texas, it is law that a hospital must allow payment plans for any bill greater than $200. and most hospitals due this interest free. I suspect it's that way in many states.

 

[MovingTarget]

In Texas, it is law that a hospital must allow payment plans for any bill greater than $200. and most hospitals due this interest free. I suspect it's that way in many states.

Hmmm...I was unaware of that Texas law. Thanks for the info. :thumbsup:

 

[shadow9d9]

Nothing backfired. The ignorant rightwingers came in... that is all.

 

[halik]

healthcare is a right. Machinery isn't yet.

trollololololol

 

[Nebor]

techs, by virtue of owning a small business but wanting others to subsidize his healthcare, wants to privatize his profit and socialize his losses.

Well played.

 

[momeNt]

trollololololol

Just wait :sneaky:

 

[werepossum]

By definition, insurance means having someone else pay.


We just think gov makes a better insurer than private companies.

That's just leftist simplicity. Insurance companies do not have a big pile of cash and a burning need to serve others. Any insurance company must at least break even, so on average, we can get back only what we pay minus the cost of administration and in the case of a for-profit, minus the profit as well.

 

[werepossum]

Nothing backfired. The ignorant rightwingers came in... that is all.

Dude, seriously. If you think MomeNT and Perknose are "ignorant rightwingers" you're insane.

 

[JD50]

What a bunch of bullshit. The OP claims to have good credit, yet he somehow can't manage to get an auto loan?

 

[JD50]

So, the OP tanked his business by spending more than he could afford, when he could have easily arranged to make payments to the hospital? I have trouble believing that anyone smart enough to run their own business is this stupid, therefore, I'm calling shens.

+1

 

[Tom]

So you're insinuating that people in their 20s should be subsidizing your healthcare? Essentially what happened is that your small business was undercharging itself for your cost of healthcare and the "profit" you saw in the past was just the money you had to pay back out for the undercharged healthcare.

It's no different than a business not depreciating machinery properly and having an unexpected expense when they have to buy a new one. Your solution here, it would seem, is to have other people help you buy new machinery.

The issue isn't so much younger people subsidizing older people. Acturial tables mean that older people are going to pay more than younger people, even with Obamacare.

Its healthy people who take a chance on no healthcare, and then get sick or injured.

That can and does happen to young people and the cost of taking care of those people is paid for by everybody else.

So contrary to your selfish point of view, there's plenty of old people who are subsidizing the cost of a young person who wrecks their motorcycle, od's on drugs, gets pregnant without insurance.

 

[JD50]

lol, this thread...

 

[pcgeek11]

Mid 50's,
you own your own business
you cannot afford a car
an 11K bill puts you on medicaid
because you will not work full time
so you can leach off the government.

As you stated above. WOW! You've been doing it wrong.

No wonder you had a heart attack.

 

[nobodyknows]

Damn, techs, that is terrible. I hope that you get back to feeling better and working soon. Do you see yourself picking things up again after a while? (Say, after you obtain a reliable vehicle at a later date?)

On another note, the ACA came just in time for me and my wife. She has epilepsy, which would be considered a preexisting condition. If I ever changed jobs, got laid off, or decided to start our own business, we would have been capital "S" screwed. This is one area that the ACA did not go far enough in...detaching healthcare insurance from employment as its primary avenue. It is hung as an albatross around the entrepreneurial spirit of the US. Many people work for other companies simply because obtaining insurance through an employer is the only way to have it be affordable, or cover conditions that insurance companies would otherwise reject you or overcharge you for in the individual market. Having our companies provide it is also a competitive disadvantages to other nations without primarily employer-based systems.

Imagine that, being able to afford good health insurance and not having to work for a large corporation., It sounds like the American Dream to me.

 

[halik]

The issue isn't so much younger people subsidizing older people. Acturial tables mean that older people are going to pay more than younger people, even with Obamacare.

Its healthy people who take a chance on no healthcare, and then get sick or injured.

That can and does happen to young people and the cost of taking care of those people is paid for by everybody else.

So contrary to your selfish point of view, there's plenty of old people who are subsidizing the cost of a young person who wrecks their motorcycle, od's on drugs, gets pregnant without insurance.

Well, yeah "plenty" being the keyword. On average people in their 20s subsidize older policy holders, just because you tend to have higher medical expenditures when you're older.