[Bet10Heinekens]

I'm self-employed and don't have health insurance. Is this mandatory for all American to sign up or is it for the poor people. I don't need any government assistant like WIC and Medicare.

[easyliving]

good luck getting the website to load

[Bet10Heinekens]

good luck getting the website to load

Is it true, they will give a fine if you don't have health coverage

[UntilTheNDofTimE]

If your self employed and don't want health insurance you don't need to get it. There is a 1% penalty in relation to your adjusted gross income. If you make 100k it's still cheaper than the premiums you'll pay for insurance since as a business owner you likely would NOT qualify for any of the obamacare subsidies.

[UntilTheNDofTimE]

Is it true, they will give a fine if you don't have health coverage

Yes 1% of AGI. Which for me is very cheap.

[UntilTheNDofTimE]

I'm a relatively healthy young guy. My employer pays me $280 a month if I don't use their health insurance. Insurance would cost me around $80 a month. So that's $360 a month id forfeit for health insurance, or $4300 a year. I'll pay the $400 fine.

[VegasInsider]

I'm with you. I'm 29 and healthy and I'll take the 1% penalty. It's basically like giving back a little bit of your refund check. I'm not getting Obamacare for two reasons. It makes sense for me to just pay the fine and I don't want the gov't telling me when or how to get insurance.

Fukk them.

Also, if I get seriously ill or injured...take me right to the ER. They have to treat you and you'll be charged a much lower rate because you're uninsured. Fukk it. Everyone else in the country has their hands out taking, that's my only recourse.

[Bet10Heinekens]

If your self employed and don't want health insurance you don't need to get it. There is a 1% penalty in relation to your adjusted gross income. If you make 100k it's still cheaper than the premiums you'll pay for insurance since as a business owner you likely would qualify for any of the obamacare subsidies.

I can believe the government is forcing this upon Americans...1st they try to take away my offshore gambling with the internet gaming bill, now they want me to buy health insurance...

[Deuce]

The cost of it is asinine. No one can afford it.

[TheMoneyShot]

This topic to me... is very serious for more than one reason. It's a shame that we have to think "business wise" for a better solution to budget our lives... because of ridiculous penalties for someone non-insured. I don't really understand the purpose to this Obamacare. I hear controversial opinions from the media... only the gov't knows the true meaning to this. Reading these posts... makes me feel vulnerable as fuk. Like you don't have a leg to stand on. This is what our land of freedom really is? I wonder if the day would ever come during this Obamacare when you do go to the ER and you aren't insured... and they start turning you away??? Will that be the next step???

[VegasInsider]

No insurance = go to ER and get fixed up

When you get the bill, tell the hospital you're a broke dick fukk and give them $25/month. They'll get paid eventually and you're all fixed.

[5mike5]

Haven't decided yet

[Deuce]

I opted out of my business insurance for a reason. The few times I go to the docs it $50 and pills I need are anywhere between $10-$25 bucks. If I break a bone going to ER throwing bill in a drawer tossing them some cash here and there. If I get into an auto accident, my insurance covers it. The only catch 22 is I pay $600 more a year on auto insurance because I don't have health converge.

[VegasInsider]

This topic to me... is very serious for more than one reason. It's a shame that we have to think "business wise" for a better solution to budget our lives... because of ridiculous penalties for someone non-insured. I don't really understand the purpose to this Obamacare. I hear controversial opinions from the media... only the gov't knows the true meaning to this. Reading these posts... makes me feel vulnerable as fuk. Like you don't have a leg to stand on. This is what our land of freedom really is? I wonder if the day would ever come during this Obamacare when you do go to the ER and you aren't insured... and they start turning you away??? Will that be the next step???

This is a very sharp post and the end is dead nuts. If we continue to put left-wing whack jobs in the office that want to carry on Obama's healthcare reform then that might be the next step. Eventually, hospitals are going to complain enough to the Federal Gov't and they'll make some changes.

Can you image that? Walking down the street, slip and fall, break you foot. Oh....too bad. Wrap it up with chop sticks and tape and get to work.

Unreal.

[d2bets]

I'm a relatively healthy young guy. My employer pays me $280 a month if I don't use their health insurance. Insurance would cost me around $80 a month. So that's $360 a month id forfeit for health insurance, or $4300 a year. I'll pay the $400 fine.

Isn't the $280 taxable income? So it's really more like maybe $180. So it's maybe 3k a year. How can that not be worth it? One accident or something serious and you're screwed.

[d2bets]

You young kids think you're fukking invincible. You think you're so smart until...shit hits the fan and you realize you're not so smart. Play with fire and you get burned.

[UntilTheNDofTimE]

Isn't the $280 taxable income? So it's really more like maybe $180. So it's maybe 3k a year. How can that not be worth it? One accident or something serious and you're screwed.

I don't plan to have a heart attack or stroke in the next 15 years. When I'm around 40 i will most likely enroll in health coverage. My car insurance covers medical costs and i don't see how I'm going to get injured any other way. Get hurt at work, my employers pays for it. Over 15 years that 45,000 in savings is more like 100,0000 with a 6% annual yield and dividend reinvestment. I really doubt I'll have 100k in medical expenses over the next 15 years. And if i do, well obamacare covers people with pre-existing conditions. Any other medical procedure like a poster said above you can pay $25 a month on the bill for 20 years. I know many that do this.

[VegasInsider]

You young kids think you're fukking invincible. You think you're so smart until...shit hits the fan and you realize you're not so smart. Play with fire and you get burned.

I hardly think I'm invisible. I've just done the math and it doesn't make fiscal sense right now for me to buy Obamacare or any healthy insurance. I recently lost my job (and benefits) and at 29 years old, I can wait it out until I find another career with health benefits. I'm not being stubborn or cocky, the numbers simply don't work (which is the problem with Obamacare as a while...the numbers don't work!!)

[Deuce]

Isn't the $280 taxable income? So it's really more like maybe $180. So it's maybe 3k a year. How can that not be worth it? One accident or something serious and you're screwed.

Right now I would pay roughly $130 a month (not obamacare) with a $2k deductible. Would never come owe it hitting it. So I pay $4160 a year for what to get an X-ray and a cast?

[VegasInsider]

Fukk that. X-Ray and a cast at the ER without insurance probably cost you $2,000 and you ship a twenty every 30 days.

Done.

[Deuce]

Fukk that. X-Ray and a cast at the ER without insurance probably cost you $2,000 and you ship a twenty every 30 days.

Done.

I had an X-ray recently on my knee. $120 w/o insurance. I'd imagine plaster doesn't cost $1880 but with gouging of medical costs like $30 for an asprin in a hospital room, you never know.

MRI w/o anywhere from $300-500. With insurance they gouge the fukk out of you which is why hospitals and doctors are so pissed off about obamacare.

[The Kraken]

VI, your math is flawed because your logic is flawed. You are being short sightef and have no real concept of medical care.

Assuming you only need to go to the ER and get an Xray, by all means, forfeit the insurance.

That's not usually the case. Wait until you break a bone or get sick enough to need admission and follow up care. Seeing as they may not be emergencies, you can be denied those sedvices. $25/month won't cut it my man.

The choice is obviously yours, your just playying a dangerous game.

[UntilTheNDofTimE]

VI, your math is flawed because your logic is flawed. You are being short sightef and have no real concept of medical care.

Assuming you only need to go to the ER and get an Xray, by all means, forfeit the insurance.

That's not usually the case. Wait until you break a bone or get sick enough to need admission and follow up care. Seeing as they may not be emergencies, you can be denied those sedvices. $25/month won't cut it my man.

The choice is obviously yours, your just playying a dangerous game.

How do you think INSURANCE companies make money? By providing coverage at discounted premiums? All insurance companies are for profit. If they didn't profit, they wouldn't be selling insurance. I'll take the risk that I never break a bone because I never have in my life and I don't ski, play contact sports, or do anything in my daily life that would be considered a risk.

[VegasInsider]

VI, your math is flawed because your logic is flawed. You are being short sightef and have no real concept of medical care.

Assuming you only need to go to the ER and get an Xray, by all means, forfeit the insurance.

That's not usually the case. Wait until you break a bone or get sick enough to need admission and follow up care. Seeing as they may not be emergencies, you can be denied those sedvices. $25/month won't cut it my man.

The choice is obviously yours, your just playying a dangerous game.

Well, Kraken...I'm sorry to inform you that I'm not just some dumb schmuck and I absolutely understand how the medical industry works. I studied Economics in college and my first internship was at Rhode Island Hospital. I saw first hand how it works and it's a main reason why I didn't pursue anything in the Health Economics area. I have never seen or heard of anyone turned down at the ER. We used to have uninsured cases of strep throat walk through the door, 10x a day, and every single one was treated and sent on their way with their antibiotic of penicillin or amoxicillin

[dick johnson]

What's this 1% shit? It's a $95 penalty if you don't have insurance. Be informed and vote Republican.

[ridik01]

This is a very sharp post and the end is dead nuts. If we continue to put left-wing whack jobs in the office that want to carry on Obama's healthcare reform then that might be the next step. Eventually, hospitals are going to complain enough to the Federal Gov't and they'll make some changes.

Can you image that? Walking down the street, slip and fall, break you foot. Oh....too bad. Wrap it up with chop sticks and tape and get to work.

Unreal.

I have some family members pretty high on some health care boards and this may happen sooner than you think. Hospitals lose a substantial amount of money from people that don't have health insurance and force the hand of hospitals. It even comes down to every hospital fighting each other and interchanging patients that don't have insurance. I won't be surprised to turn on the news and see a patient turned away from multiple hospitals. This is a major reason why healthcare is becoming so expensive.

[VegasInsider]

Dude, it's $95 for 2014.

In 2016, the penalty is $695 per uninsured adult.

[UntilTheNDofTimE]

What's this 1% shit? It's a $95 penalty if you don't have insurance. Be informed and vote Republican.

How the ObamaCare Tax Penalty Works


Your tax penalty (shared responsibility fee) for not having insurance is paid on your taxes at the end of the year. If your taxable income is below 133% of the FPL you are exempt from this tax.


2014 = $95 per person per year or 1% of your Income
2015 = $325 per person per year or 2% of your Income
2016 = $695 per person per year or 2.5% of your Income
2017 = Tax Penalty will increase by the rate of inflation going forward, or 2.5% of your Income



http://obamacarefacts.com/obamacare-...al-mandate.php

[dick johnson]

How the ObamaCare Tax Penalty Works


Your tax penalty (shared responsibility fee) for not having insurance is paid on your taxes at the end of the year. If your taxable income is below 133% of the FPL you are exempt from this tax.


2014 = $95 per person per year or 1% of your Income
2015 = $325 per person per year or 2% of your Income
2016 = $695 per person per year or 2.5% of your Income
2017 = Tax Penalty will increase by the rate of inflation going forward, or 2.5% of your Income



http://obamacarefacts.com/obamacare-...al-mandate.php

Good lord. I think the chance of this law actually standing by the mid-term elections is about as good as Obama's approval ratings approaching 50% at any point during the remainder of his term, but still.

Can anyone think of a worse or more harmful piece of legislation (besides amnesty)?

[The Kraken]

Well, Kraken...I'm sorry to inform you that I'm not just some dumb schmuck and I absolutely understand how the medical industry works. I studied Economics in college and my first internship was at Rhode Island Hospital. I saw first hand how it works and it's a main reason why I didn't pursue anything in the Health Economics area. I have never seen or heard of anyone turned down at the ER. We used to have uninsured cases of strep throat walk through the door, 10x a day, and every single one was treated and sent on their way with their antibiotic of penicillin or amoxicillin

I know what your degree is in VI and that you passed your series 7. That's no easy task. I certainly didn't mean to imply that you were dumb, obviously not the case.

You are correct that everyone that presents to an ER has to be seen and examined by a physician. That's state law everywhere. You are not guaranteed treatment unless it's a true emergency. Most ER's will treat you simply because that's their job and economically, it's a great way to get new patients for the hospital. It's not in the best interest of the hospital to be sending people away.

With thy that said, my main point is that ER's provide a very, very limited form of medical care. Strep throat, flu, migraine? Save yourself more money and go to an urgent care clinic. Or better yet, save even more money and go see a PCP. Having worked in ER's as an RN for quite sometime, I just think there's a misconception as to the scope of ER's and what they can do. The care provided in ER's is actually quite limited, by nature it has to be. If you have anything more than strep, the flu, a splinter or back sprain, you're likely going to need follow up care with a specialist. This is of course if you can pay. Because specialists unlike ER docs, don't have to see you. And they won't, if you can't pay. If you don't think you'll ever need care for anything more than strep, then I guess the ER is a fine backup plan. Still not the most budget friendly option but you'll get your amoxicillin.

It's just a dangerous game. I could go on and on with anecdotal stories but they would simply be in vain.

[VegasInsider]

Very well stated. Thank you for the response. I'm no expert on ER's but I think you made an important point that an ER cannot fix everything (and that's not what it was designed for). Most of the time the ER will do what they can and then refer you to a specialist, you're correct.

[tony_come]

Drink water daily you be fine

[Smoke]

The cost of it is asinine. No one can afford it.

Speak for yourself you broke dikk obese fukk

[I/O]

If you can, stay clear of that website until they get their act together. It's open season on anyone putting their personal info into that broke joke.

[dink]

Medicare