Consumption and Real Estate
If it is mandatory for all who drive to have car insurance, homeowners to have insurance…why should healthc?
Question : If it is mandatory for all who drive to have car insurance, homeowners to have insurance…why should healthc?
with car insurance, for example, everyone who drives is required by law to have it, though the only thing it covers is like if you are in an accident or something major happens. But if you have to have work done on your car, you have to pay for that yourself. On the other hand, if you can’t afford car insurance or to take driving school or fees, no government program pays for it for you; you simply aren’t able to drive. And there are likewise no complaints from people about increased taxes to pay for other people’s car insurance . Now granted this is totally different scenario, but for the sake of argument let’s just compare that to health insurance, and say that health insurance only covered major things like life-or-death surgery, but if you just had a minor problem and wanted to see a healthcare provider, you had to pay for that yourself. If you had a problem with your car and didn’t want to or couldn’t pay to get it fixed, you just wouldn’t do it either, so follow me here. Also as is the case with car insurance, if you could not afford health insurance, you just couldn’t have it and there was no government program to cover the cost. I know how unruly this all sounds, but it is strictly for the sake of argument. The point is, if health insurance was like car insurance then there would be no complaints from people about increased taxes to pay for other people’s health insurance, because they wouldn’t be doing it, primary care costs would be under control, and people could still have affordable insurance to see a specialist in the event of a dire emergency. Has this been considered?
affordable homeowners insurance
Best answer:
Answer by Deb M
Good point! I have wondered about that myself.
-
-
#2 written by tehabwa 1 year ago
Are you under the delusion that, if a person doesn’t have a car they DIE?
Preventative medicine is the most cost effective, AND reduces suffering much more than waiting until people are about to die.
I have medical conditions that, with regular meds, are well-controlled; without them, it’s the emergency room or death (and a huge loss of quality of life).
Besides, insuring the uninsured is only a tiny bit of reform. The biggie is reducing the rate of costs sky-rocketing, and preventing people loosing their homes from medical costs.
- Comment Feed for this Post
.A few points: most likely others have had similar thoughts.
When I moved to DC in the early 19602, there was an “Uninsured Drivers Insurance Pool” that people paid something like $ 95 for 1 year, which they paid for when they renewed their car registration: they either had to prove that they had car insurance OR they paid ‘The Pool’ fee and THEN they got their car registration stickers.
Given the rate of inflation in the past 45 years since then, I’d say that $ 20 per week for an “Uninsured Health Insurance Pool” would be more than fair for an employee to ‘contribute,’ plus an amount of $ 50 to $ 80 per week from the employER, since that would somewhat closely resemble the 30-70 or 20-80 co-payment structure that employers who provide health insurance usually for it. People should be able to go to any hospital at any time for whatever reason, see the doctor of their choice, choose from a menu of options and companies. We already carry a driver’s license, at LEAST one credit card, a car insurance card, a medical insurance card: what’s the big deal about another medical insurance card?
WHAT ARE PEOPLE SO AFRAID OF????????????????
.
That would make, at the high end of revenue for the pool, $ 5,000 per year per employee. And since Workman’s Comp already covers on-the-job injuries, etc., that $ 100/week will likely go unused for the most part. The over-age, or surplus, would accumulate in ‘The Pool’ and keep growing, just as it did in Medicare, because of the vast sums initially collected that were not used much until the system became widespread and functional. THAT’S WHY the Medicare, Social Security and Federal Highway Trust funds have been systematically raided over the past several decades, left with multiple IOUs instead of funds. Otherwise, Medicare would be ROLLING in dough. (SocSec and the Highway Trust would be replete with cash, too: those funds were the ‘lender of last resort’ when bonds didn’t sell or OTHER IOUs had to be paid.)
Car registration and driver’s license fees are too low. It SHOULD be expensive to drive. It SHOULD cost a prospective driver the time and money to take and pass a STRICT driving school course. In Germany, it costs THOUSANDS of dollars for a license, which is granted only AFTER passing strict exams on paper and behind the wheel.
When I lived in Maryland, the State ran its own monopoly of State-inspection stations for emissions. Cars were checked every-other year (There was a LOT of resistance to the yearly checks which was the original plan, so after just a year or two, they went to every two years). I forget the fee, but it was between $ 35 and $ 50, if I recall correctly. It took less than 10 minutes and there were always cars waiting in line to be checked, even with 2 or 3 open-and-working service bays. Without a ‘smog cert’ you couldn’t re-register your car (same with having insurance; that’s where California loses out not only on revenues, but also from increasingly older, less-efficient vehicles on the road: in California, you get the car ‘smogged’ when you buy it. Period. Private, licensed ‘smog stations’ charge $ 50-$ 100 for a smog check. The state gets a few dollars of tax. And there are NO ‘vehicle inspection’ stations in California, private or otherwise; as a result, there are a lot of semi-unsafe wrecks on the road, especially trucks.)
Nobody likes taxes, but at least we ought to be able to have more a tangible feel to the benefits we receive, but they are there, if we think about it: we have the world’s best and one of the biggest Armed Forces in the entire world, very technologically advanced; our mail gets delivered every day but Sunday; firehouses and police stations are well-scattered in most cities and towns; our gas, electric and water are reliable ans safe; courts function relatively well, albeit seemingly heavily weighted in favor of the rich and the famous; our transit systems are mostly adequate and punctual.
Is life perfect and 100% guaranteed safe? No way. Close? I think so. Government isn’t supposed to make money, but I would hope that other than defense, which is a total loss (except to the contractors) monetarily, programs would be revenue-neutral; or in the case of the Bureau of Engraving, which pays about 3 cents to produce a bill of paper money (it costs the same to produce a $ 1 bill as it does to produce a $ 100 bill) and sells them to The Treasury for almost face vale, their over-age goes to pay down the National Debt.
There are many sources of revenue for governments which, in turn, can fund beneficial programs for all citizens while not being unnecessarily burdensome. That’s where our vote comes in. I wonder how many complainers are the ones who just didn’t bother to vote.
.