Do you love your health insurance?

[mcginnisc]

We have great coverage through Dh's company.

[Msprekteacher]

Yes! We pay very little for family coverage through the teachers union. Our pharmacy copays are reasonable. Our deductible is only $1000. Even our dental is really good!

[Deleted User 876]

I don't necessarily want to debate the merits of M4A but one of the points detractors make is that it will cause you to lose the health plan you love. I've had several different health plans in my adult life and the best I can come up with is "it's fine". I say that with the added caveat that I and my kids are fortunate enough to be relatively healthy and we haven't needed to utilize it beyond yearly check-ups and an occasional quick care visit. But im curious if people genuinely love their insurance.

Medical insurance is a socialist scam. You're not paying for medical insurance, you're paying for the insurance company employees to have jobs and insurance of their own. That's a big part of the reason it costs so much.

You cannot "insure" health. People who are healthy should not be forced to pay for something they don't need so that people who aren't healthy can get medical care for "free". M4A is also a socialist scam - it forces people who dare to do well for themselves to pay more than what they ordinarily would so that those who have not done as well don't have to pay as much. Why should John Doe who worked his way through medical school so he could get a well-paying job have to pay five times as much for the same thing as Jane Doe, who chose to start popping out kids at 14 and through her own actions now has no marketable skills by which she can earn a living for herself and her spawn? It's not John Doe's fault that Jane Doe made the choices she did and it should not be his responsibility to compensate her for her IRresponsibility.

[Deleted User 670]

No. We pay almost $1400 a month for the premium and the deductibles are ridiculous.

[Francee89]

I don't necessarily want to debate the merits of M4A but one of the points detractors make is that it will cause you to lose the health plan you love. I've had several different health plans in my adult life and the best I can come up with is "it's fine". I say that with the added caveat that I and my kids are fortunate enough to be relatively healthy and we haven't needed to utilize it beyond yearly check-ups and an occasional quick care visit. But im curious if people genuinely love their insurance.

Medical insurance is a socialist scam. You're not paying for medical insurance, you're paying for the insurance company employees to have jobs and insurance of their own. That's a big part of the reason it costs so much.

You cannot "insure" health. People who are healthy should not be forced to pay for something they don't need so that people who aren't healthy can get medical care for "free". M4A is also a socialist scam - it forces people who dare to do well for themselves to pay more than what they ordinarily would so that those who have not done as well don't have to pay as much. Why should John Doe who worked his way through medical school so he could get a well-paying job have to pay five times as much for the same thing as Jane Doe, who chose to start popping out kids at 14 and through her own actions now has no marketable skills by which she can earn a living for herself and her spawn? It's not John Doe's fault that Jane Doe made the choices she did and it should not be his responsibility to compensate her for her IRresponsibility.

This is a fascinating perspective - if insurance of all kinds is a socialist scam, what’s the ideal situation to you? How should people pay for things like serious illnesses, devastating injuries or chronic conditions that could bankrupt even the most financially responsible and stable people within a few months or years?

As to your second example, I think it’s also in John Doe’s interest to live in a society in which Jane isn’t too sick to work and effectively raise her children, in which Jane isn’t showing up in the emergency room where she’ll have to be treated in the later stages of an illness that would have been much cheaper to treat preventatively/earlier and in which there aren’t outbreaks or high rates of disease because people can’t afford to treat them.

[Deleted User 203]

We are blessed to have health-care coverage finally and after several years of not doing so.

It covers all of our needs with very few limitations.

So far.

[Della]

We are blessed to have health-care coverage finally and after several years of not doing so.

It covers all of our needs with very few limitations.

So far.

Medicaid?

[Smarties]

I'm okay with mine. It was better ~5 years ago but its still mostly okay now. I've also learned to navigate the medical system better to find better rates for tests and imaging since I started having to pay for more of that out of my pocket since it changed 5 years ago.

[Deleted User 203]

We are blessed to have health-care coverage finally and after several years of not doing so.

It covers all of our needs with very few limitations.

So far.

Medicaid?

Along those lines.

With Dh having congestive heart failure along w/newly discovered squamous cell carcinoma on two areas of his body of which he will be having THIS procedure....https://www.skincancer.org/treatment-r ... -surgery/ ...after he gets approval from his cardiologist to do so since he's on both two different blood thinners that he'll have to be off for a total of twenty days, we feel very blessed that he can have the procedures he needs along with any medications and even physical therapy covered.

Youngest Dd has neurological problems along with other health issues and again, things are getting covered. They found a 6mm lesion on the front right lobe of her brain over a year ago. This coming Tuesday, she'll be having another MRI and there is suspicion (depending on the results of this new MRI) that she might be sent to an MS specialist.

So yes, we love the insurance. More, we are grateful for it.

[Della]

We are blessed to have health-care coverage finally and after several years of not doing so.

It covers all of our needs with very few limitations.

So far.

Medicaid?

Along those lines.

With Dh having congestive heart failure along w/newly discovered squamous cell carcinoma on two areas of his body of which he will be having THIS procedure....https://www.skincancer.org/treatment-r ... -surgery/ ...after he gets approval from his cardiologist to do so since he's on both two different blood thinners that he'll have to be off for a total of twenty days, we feel very blessed that he can have the procedures he needs along with any medications and even physical therapy covered.

Youngest Dd has neurological problems along with other health issues and again, things are getting covered. They found a 6mm lesion on the front right lobe of her brain over a year ago. This coming Tuesday, she'll be having another MRI and there is suspicion (depending on the results of this new MRI) that she might be sent to an MS specialist.

So yes, we love the insurance. More, we are grateful for it.

There's no shame in accepting Medicaid to take care of your family members health. That's what it's there for. I'm glad it's available..

I wish you all the best.