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Why do people live without insurance?

Aren't there already programs in place that help the poor get health insurance?

 
lovinangels

Asked by lovinangels at 10:44 AM on Jul. 11, 2010 in Politics & Current Events

Level 39 (112,638 Credits)
This question is closed.
Answers (60)
  • Wow, to ask this question, you must be out of touch with the current state of the US right now..

    Or she had a point and you missed it.

    No, the health care reform will not fix the current situation. There will still be millions of people who cannot afford insurance but will not qualify for medicaid. They will instead pay a fine in the form of a tax, and if they can't afford that will be prosecuted for tax evasion.
    NotPanicking

    Answer by NotPanicking at 12:10 PM on Jul. 11, 2010

  • Alot of people don't qualify for medicaid because they make over the cutoff wage limit,but cannot afford insurance through a company. For example,if we were to pay out of pocket for ours,we'd be paying $300 a week for coverage! Alot of folks cannot afford that much.
    butterflyblue19

    Answer by butterflyblue19 at 10:47 AM on Jul. 11, 2010

  • My sister and her husband are self employed, while they make good money and can't qualify for medicaid, health insurance (taken out privately) would cost way more than they can afford.
    SmileyMoo

    Answer by SmileyMoo at 10:48 AM on Jul. 11, 2010

  • Because no matter what people' think', it's not affordable to everyone everywhere all the time, so some people pay out of pocket as needed, thats their perogative, if you own a home you must be able to afford healthcare...no

    Stefono

    Answer by Stefono at 10:49 AM on Jul. 11, 2010

  • Some people do not have a choice. Insurance is expensive and if people do not work at a job that offers benefits and they don't qualify for any assistance, then they are just out of luck. I have been there. It has been a long time though, and thankfully my husbands job has insurance for us now, but it is insanely high.
    KTMOM

    Answer by KTMOM at 10:49 AM on Jul. 11, 2010

  • when people are self employed it is VERY hard to get any insurance. a lot of insurance companies do not think you're a good credit risk and the medicaid/state insurance a lot of times will not take "home book-keeping" as proof of income. they want you to take your paper work to a CPA and make sure everything is legal. when you're self employed, that CPA is not always affordable.
    fairy_fan

    Answer by fairy_fan at 10:54 AM on Jul. 11, 2010

  • Medicare, Medicaid and health insurance is not affordable for everyone. And jobs nowadays employ workers part-time so they dont have to provide health insurance.
    supermom2005

    Answer by supermom2005 at 10:56 AM on Jul. 11, 2010

  • I understand that it's not as affordable for some people, but what do you thin kis going to change with ObamaCare?! Anyone have cost estimates or "sliding scale" breakdowns as to hiw much it will cost? And what you will get in return--limited access and treatments?! Isn't that what you have NOW?!

    So many people have been cheering about it's passage, but has anyone stopped to think that when all is said and done there will STILL be some 30+ million that will NOT have insurance?! Is turning the entire health insurance system upside down, forcing some of the companies out of work along with THOUSANDS of employees, really the answer?! Especially when insurance company and tort REFORM would have made more sense?!

    It's not ObamaCare itself that's so worrisome, it's the ginormous expense, the fiscal mismanagement, and bureaucratic red tape that will ensue, for a few people, whose needs could have been handled DIRECTLY!
    LoriKeet

    Answer by LoriKeet at 10:59 AM on Jul. 11, 2010

  • Also another problem for people is the whole "Why pay for something I'll rarely use" $300 a month for insurance for a healthy person that only goes to the doctor once a year is a total waste of money. Some people feel that if they only do that, it's better to pay out of pocket instead of having coverage.

    ***
    See, THAT'S going to be the shocker for the healthy 20-somethings, who rarely see a doctor--having to pay THOUSANDS of dollars annually into "the system" that they are never going to use (and it will be automatically deducted from your paycheck--you won't have the option)! And yet they were among the most vocal about supporting Obama in his endeavors!!! If one has a problem with being able to afford health insurance NOW....just wait until it's "free!!!"

    Just like insurance companies do now...ObamaCare is going to RELY on the healthy young people to FUND the program and not make claims against it!
    LoriKeet

    Answer by LoriKeet at 11:05 AM on Jul. 11, 2010

  • They make youget car insurance. Why not make you get health insurance. I have a pre existing condition and owe so much in medical bills. I could never pay it all back. Even when I had insurance they denied paying for things.

    ***
    And if you DON'T want a car or don;t drive ...are you FORCED to buy a car or insurance anyway?! No.

    And I'm sorry about your pre-existing condition--but ObamaCare isn't going to bte the answer either. Depending on what your condition is...you will be viewed as a liability (cost), and since this plan will rely on the taxpayers (who due to double digit unemployment are becoming fewer and fewer), so WHO is going to continue to fund the program to give people the health insurance they need?

    Nothing will change with ObamaCare--it'll just be HARDER to get the care, treatments, and ACCESS you are seeking--and it will cost MUCH MORE than any plan you can purchase now!
    LoriKeet

    Answer by LoriKeet at 4:23 PM on Jul. 11, 2010

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