We don't need auto insurance either, but they have pretty damn good lawyers to destroy anyone that hits us so that almost has a return value - those bastards are expensive. As for the medical for our accident, wrote a check to the ER for $13k that night, then there were xrays and useless lab work shit that floated in later, maybe $2ish. Figure $15k for the ER visit. Lets break that down under the presumption that we had ACA coverage:
With ACA: Insurance costs $12,000/y Deductible is $10,000/y
Cost of hitting a moose and breaking neck $15,000 ish
Cost out of pocket total: $22,000 ish
The amount ACA ultimately would have paid out $5,000
Without ACA: Cost of hitting a moose and breaking neck $15,000 ish out of pocket - done.
Now agreeably this just happened to work out that way because of my well off financial situation, but the reality is that with these $10k deductible's in ACA you pretty much have to be rich to get anything out of it anyway. $10k deductible + the monthly cost of the insurance, that people have to have before the insurance pays a penny. Do you have thousands of dollars of non-allocated cash laying around? Then pay your own doctors bills without the middle man expenses, duh.
For the sake of argument, lets say your insurance is cheaper than mine, lets go with the average (
$328: Average Monthly Health Insurance Cost Under the Affordable Care Act) So the average annual cost for ACA insurance is roughly $4 grand a year for the silver plan (
Silver Health Insurance Plans) which has a $3k deductible on individual and $6.5k deductible on the family. Straight off the bat we're looking at $7-9.5k before ACA does anything at all for you.
Let's say that you go to the doctors say twice a year, doing those tests and shit ya'll seem to think are vital to human survival (and yet I'm still fucking here to tell you how utterly stupid you are wanting ACA without them \o/) Lets be crazy and say that costs a grand ($500 a visit. National average last year was $240/visit + like $75 for lab work, just to put this amount into perspective.) With ACA Silver you pay a $26 co-pay for a visit. So basically you've paid $4,050 for medical services that cost a grand. You are a fucking idiot.
Let's say you get into an accident and have to go to the ER, average cost is $17k there. $4k cost for the ACA coverage, $3k deductible = automatic $7k out of pocket for $17k worth of coverage. Say your kid ends up in the ER: $4k/y + now $6.5k family deductible = automatic $10.5k out of pocket for $17k worth of coverage. So this looks okay on paper. Except for the fact that you have to go to the ER every year to come close to making it /look/ like its worth it.
I mean seriously, are you such a fuck up that you end up in the ER every year? I suggest stop being such a fuck up then... Just in general, I've been around for 43 years and I've only been to the ER three times in my fucking life, and only once for myself. I raised 3 boys to adulthood and went to the ER for them once. The bottom line is that health insurance really isn't cost effective, it is a complete waste of money these days unless your life is so fucked up that you end up in the ER every year.
Even stepping outside the reality that ACA and health insurance as a whole is flushing money down the toilet. Why is this /my/ problem, even if you are NOT a fuck up that ends up in the ER every year? I don't give a shit if you keel over a die to be completely honest. If you are so worthless that you can't come up with a few hundred bucks to pay for your own /optional and unnecessary/ preventive medical care, then you are a drag on this nation and you're obviously not putting in jack shit. NO! I don't want to contribute toward /extending/ your worthless life for an extra 30 years or whatever it is that "preventive" visits claim to give you.
Why the hell would, or should, I feel in any way obligated to help you continue to rape the system? What are you doing in life that you can't come up with a few hundred bucks for medical care you want and don't need? Waiting tables at a restaurant? Like that's some kind of an important job that couldn't be easily done by someone else? Really, anything above that kind of puke job, and you would be able to pay for your own preventive medical shit. Are you sitting on your butt [aka unemployed] while going to college for a liberal arts degree? Talk to your fucking parents. Oh that's right, you're so fucked up that you cry for ACA to cover your lazy ass until your 26 (also, holy shit did the insurance companies scam the /fuck/ out of you stupid people by getting that into the "we want it culture." - hint: look at the deductibles on the plans dip shits.)
You are unable to scrape together a few hundred dollars a year to pay for medical tests you want in order to extend your worthless drag on society a few more years - I have zero desire to fund your stupidities continuance, zero. Frankly, it should be fucking illegal to make me do so. Even worse though, you dumbass mother fuckers want to steal my money to give it to insurance companies who have crafted up a scam specifically designed to rip off dumbasses like you who are stupid enough to fall for it. No fucking shit I don't want any part of the money pit scheme you idiots fell for...
The argument of society is that "we all put in and we all get out" except I'm putting in, and not only are you dolts /not/ putting in, but you're not even getting anything out of it. You /think/ you are, but you're not, you're just too god damn stupid to understand that you're not. I'm supposed to be "happy" to fund your stupidity draining on the nations economy for 70-80 years? I think fucking not.
Ya'll woof shit about unpaid visits increasing costs and blah blah blah then you stick an even /more/ expensive band aid on the problem instead of fucking educating the dumbass mother fuckers using the ER as a doctor visit. Not only that, but you don't even put any strings on it with ACA and thus damn it to failure - like for example letting the insurance companies refuse to pay for ER visits for common colds and shit like that - which in itself is a government failure because they're the ones who force fucking ERs to see broke ass dumbshits with a runny nose in the first place. No, instead your moron fucking President puts in a subsidy that just so conveniently sunsets the year he leaves office so /he/ looks good - and you stupid mother fuckers fall for it, touting how great ACA is and Yay Obama. All the while the entire program is a damn lie. Hell, the rot underneath it didn't even last to the sunset of the subsidy, that's why so many major insurance companies bailed out of the program - it's not cost effective even for them because you cannot force people to fall for a money pit scam.
I think it's disgusting our government even tried this bullshit, yet you folks are so financially inept that you'll probably continue to laud it forever. Not based on reality, but based on the fantasy that it was even necessary in the first place. The true depth of stupidity is astounding, and now you're going to argue that its in the nations best interest? HAHAHAHA No.