Many "Uninsurables" Marrying, Divorcing, for Healthcare Coverage, NYT says

There is an interesting article in today's New York Times that explores the wave of Americans who are finding that they cannot afford the "fair" prices charged them for individual insurance by private insurers, even in states where "no one can be turned away". (there, typically, individual coverage for those with any kind of illness is particularly expensive)

Many are now marrying or divorcing others (because their spouses have affordable group coverage, or because their spouses make enough to disqualify them from being able to get subsidized low-cost insurance and the cost would bankrupt the ex-couple, respectively).

I have also heard of families putting chronically ill children up for adoption.

Last I heard, Obama's plan was to help insure the healthiest 4/5 of Americans in 2012, and put the rest off for "later". Presumably, this NYT story is about people who are in that unlucky, pesky, uninsurable 20%.

Leading Democrats have cautioned against expecting any dramatic changes on healthcare. "Its too expensive" they say.

"Of course, McCain is even worse"

In another story, they also mentioned that two out of three US corporations paid no corporate income tax in the last few years..


Poll
Is the United States civilized anymore when we treat people like this?
No
Yes

Votes: 5
Results : Vote Link : Polls

Display:


Ah, welcome back (none / 0)

I had missed whatever it is exactly that you do around here.


by Reaper0Bot0 on Wed Aug 13, 2008 at 08:13:13 PM EST

Re: Ah, welcome back (none / 0)

The terminus of his machinations is as illimitable as it is inscrutable.


I come here for the lulz.
by username on Wed Aug 13, 2008 at 09:59:34 PM EST
[ Parent ]

My take. (2.00 / 1)

I think its important that we agree on a few items related to health care.

1)  Health care is often cheaper than getting sick and dying.  This is true both for the individual and for the government.  This is why California gives free pre-natal care to ANYONE legal, illegal whatever because its cheaper for the state to pay it and reduce complications in birth than deal with it later.

2)  Everyone gets sick and eventually dies.  Some people spend more time sick then others and to varying degrees.

3)  Some forms of Health care are expensive and not particularly effective to objective parties.  For example, You can spend $10,000 a day to prolong someones live an extra week which is not likely to be something you and I are wanting to chip in for unless the someone is ourselves or our loved ones.

4)  Government obviously should be providing all the health care that saves them money.

5)  Some form of investment in good health beyond what saves the government money is good policy because it saves tax payers as a whole money.  In other words if saying my life costs $100,000 and I have another $150,000 of earnings beyond my other obligations yet to earn its a good deal for society even if the ~$50,000 tax I would pay on that may not be a good deal for uncle sam without paying for healthcare out of additional taxes.  But the net is good for Taxpayers as a whole.

6)  Its possible to make Health care legislation that is totally about something different.  The Koyoto treaty was about carbon but was also about legislating how much carbon and thus energy and thus economic activity each nation could have relative to other nations.  As such letting China and India have more credits amounted to a massive virtual shift of future wealth from the USA to China and India causing some people who oppose global warming to also oppose Koyoto.

Likewise health care can become about socialism if we try and give everyone access to this highest level of Healthcare regardless of cost and tax all tax payers to pay for it the result can be a very profound shift in the flow of wealth if for example every person was entitled to $1,000,000 of  healthcare on their death bed for example there may not be much money left over to do anything else with.

To me personally its clear that the poor will never have the same access to Health care that Billionaires have and that thats ok.  On the other hand its bogus that hard working people are dying for lack of basic cheap health care and that needs to change.


by dtaylor2 on Wed Aug 13, 2008 at 08:33:22 PM EST

Re: Many Uninsurables Marrying, Divorcing, (2.00 / 1)

You're back!!!

It's crazy the hoops we all have to jump through in order to keep ourselves insured.

Until we have universal health coverage in this country, I think all single people with employer provided health insurance should take it upon themselves to marry an uninsured person.


by LakersFan on Wed Aug 13, 2008 at 08:36:35 PM EST

What about married people who are sick and (none / 0)

married to employed people who don't have insurance, making them ineligible for help with bills.

Should they get divorced?

In Sicko, they showed a woman who married a Canadian guy and moved to Canada and the medical care is completely free for everybody there. Most OCED countries have universal healthcare.

McCain wants to lock us in to the private insurance model by inviting foreign firms to enter the US healthcare market "to foster competition".

What he doesn't tell us is that then, extracting ourselves from the WTO restrictions on healthcare will be impossibly costly.


Health Care: WHY do we pay MORE and GET LESS?
http://content.healthaffairs.org/cgi/con tent/full/hlthaff.28.1.w1/DC1
by architek on Wed Aug 13, 2008 at 09:11:38 PM EST
[ Parent ]

Re: What about married people who are sick and (none / 0)

Yes. They probably should get divorced. I hate to say it, but our current health care system pretty much forces people to ditch "family values" in order to survive.

Actually, I fall into both categories. My spouse and I got legally married two weeks before our wedding just to avoid a lapse in health care coverage. And I'm fully aware that we may have to divorce if we reach the lifetime maximum on my employer provided health insurance. It's a lovely world we're living in.


by LakersFan on Wed Aug 13, 2008 at 09:30:32 PM EST
[ Parent ]

Re: Many "Uninsurables" (none / 0)

With regards to corporate taxation, as the article notes, the study does not explain why those corporations failed to pay taxes - whether for legitimate or illegitimate reasons.


by rfahey22 on Wed Aug 13, 2008 at 09:10:15 PM EST

Presumably it was "legitimate" (2.00 / 2)

The business of America and its government is business.

Did you know that 14,000 of the 70,000 US corporations that are supposedly based in the Cayman Islands, have their headquarters in one small five story building that is typically deserted after noon every day? (a few people show up in the mornings..)

It's called "Ugland House".


Health Care: WHY do we pay MORE and GET LESS?
http://content.healthaffairs.org/cgi/con tent/full/hlthaff.28.1.w1/DC1
by architek on Wed Aug 13, 2008 at 09:18:40 PM EST
[ Parent ]

Heck, (none / 0)

People already do this for immigration purposes.  I was thinking of doing it to get into married student housing, but the University thought of it first.  Curses, foiled again!


I come here for the lulz.
by username on Wed Aug 13, 2008 at 10:00:38 PM EST

Re: Many "Uninsurables" (none / 0)

So, what I hear you saying is:

If you like uninsured people so much why don't you marry one!


"But not me personally were those cheers for"
by QTG on Wed Aug 13, 2008 at 10:43:40 PM EST

You just don't get it... (none / 0)

This situation is barbaric.

Every other developed country (except for Mexico) has universal healthcare.


Health Care: WHY do we pay MORE and GET LESS?
http://content.healthaffairs.org/cgi/con tent/full/hlthaff.28.1.w1/DC1
by architek on Fri Aug 15, 2008 at 06:58:25 PM EST
[ Parent ]


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