An individual mandate has been a hardy perennial of health-care reform proposals since HillaryCare in the early 1990s. President Barack Obama defended its merits before Congress last week, claiming that uninsured people still use medical services and impose the costs on everyone else. But the reality is far different. Certainly some uninsured use emergency rooms in lieu of primary care physicians, but the majority are young people who forgo insurance precisely because they do not expect to need much medical care. When they do, these uninsured pay full freight, often at premium rates, thereby actually subsidizing insured Americans.
Just because people write or say things, they aren't necessarily true. A young person who chooses to go without health insurance, because they don't think they'll need it, may well not be able to afford it. Certainly, young people are not at their peak for earning potential. In fact, most young people are just getting started and have very little as far as savings or assets go. So if they get sick or hurt, they can't pay, especially not at a premium price. This argument doesn't even begin to make sense.
On top of that, young women get pregnant. Even a normal delivery will run around $10,000. What about problem pregnancies? Both my boys were born premature. One was born ten weeks early and was in NICU for 47 days. Any idea how much that costs?
It's almost as if you are saying that young people shouldn't carry health insurance because it's a waste of money. I guess this is the problem between idealism and reality.