A bit of a rant here...
We're already forced to pay for auto insurance, that one at least makes some sense to me as the person who's at fault (insurance) has to reimburse the one who was damaged. (Or if you pay for full coverage, at a premium, you're covered no matter what.) Obviously the person not at fault shouldn't be hosed by some jackass - so in my mind that insurance is "protection" from unjust harm.
Health insurance doesn't make fucking sense though, neither does EMTALA.
Like, I choose to buy home insurance in case of flood, fire, earthquake. If I chose not to get these things I'm on my own to replace the damages; new home can be upwards of $500k, no one is going to help pay for that.
How about supplemental insurances; electronics insurance for if your gadget breaks (cell phones, hard drives, pretty much anything electronic, even vibrators these days lol) If you don't get it, no one helps pay for the replacement of said gadget. They have home appliance insurance, after market replacement if your washer goes out or whatever, same thing with cars too.
EMTALA is the original "de facto" national health insurance policy, by forcing hospitals to shoulder the costs of health care for illegals, criminals, and yea the poor too. We the people got a stealth tax in the form of crazy high medical costs...
You folks whine about the cost of medical care sky-rocketing, and you don't even understand /why/ that happened. Instead you cry that you /need/ insurance to afford health care, so you push health insurance and boom it sky-rockets too. You blame "greedy doctors." It's EMTALA, it's /always/ been EMTALA. And your reps have known it, they know damn well why medical prices are off the charts in America, but they're too chicken shit to tell you, too chicken shit to do what /needs/ to be done. REPEAL EMTALA!
In 2000, emergency physicians reported that
61% of their bad debt was related to EMTALA mandated care. For 27.7% of emergency physicians, EMTALA was the only source of bad debt. In utilizing the data from the Medical Expenditure Panel Survey from 1996-1998, it was determined that the percentage of total charges paid by Medicaid, Medicare, and the uninsured remained constant, while the mean reimbursement for privately insured patients declined from 77.7% to 65.7%. The MEPS data would suggest that the contribution of the commercial insurance companies to bad debt is increasing and that emergency physicians are less able to cost shift to offset the uncompensated care burden.
Fucking 2000 people, that's 17 damned years ago that we fucked up and made a bad policy that damages the entire nation. Instead of fixing it, you dumb shits add health insurance to the fuck up with ACA. Doubling down on the stupid...
Look at the chart and tell me what you see. EMTALA was passed in 1986:
I mean if you want to /really/ get into it, tie those sky rockets to immigration - because EMTALA is the de facto health insurance for illegal immigrants, they can't get "legal" medical care so they just jilt the hospitals, and thus leave the American people with the bill - and there's no damn reason for them to pay ever either. See hospitals /knew/ these non-paying folks were becoming detrimental to their shit so they stopped treating them; bleeding hearts cried and cried about them getting turned away and passed from hospital to hospital, so we got EMTALA. Check out this interactive chart at MPI (Migration Policy Institute) and note the correlation between immigration and health care cost increases, it's unmistakable -
U.S. Immigrant Population and Share over Time, 1850-Present (They attempt to account for illegals and legals as a note.) EDIT > Site took forever to load all it's ads so here's a screen shot (the interactive stuff is interesting, but maybe not worth the time for some folks.)
What you can also note is that the costs for other health care didn't really go up, dental, home care, etc; only hospitals and physician care - only the ones that are hit by EMTALA.
(Note how prescription care started popping up in the mid 90s there? Can you guess why? GOVERNMENT FUCK UPs again. The mid-1990s saw a decade of rapid pharmaceutical growth in all countries. In the U.S., this was accompanied by expansions of coverage (including for prescription drugs) by the federal government, through such programs as the Children’s Health Insurance Program, Medicaid, and Medicare.)
Understand, I don't mind immigrants, my grandparents are immigrants (legal ones) and I don't particularly mind helping out poor Americans (charity medical care), however, it's the damned truth. Immigration costs /us/ so much money, legal or not honestly, and medical care is one of the BIGGEST costs that we American's ultimately end up shouldering because of immigration, and especially illegal immigration. Reference points between immigration and health care cost increases in above chart: In 1965 The Immigration and Naturalization Act passed (18M immigrants, 3 times the number admitted over the preceding 30 years - note the near immediate effect on health care costs) Between 1965 and 2000 we took in 5.7 Million immigrants. Those are just the /legal/ ones folks, the documented ones... In the 80s and 90s illegal immigration because a huge debate point (note Bill Clinton made many speeches and campaign promises about deporting illegals) In spite of the issues, it was agreed to enact the 1990 Immigration act we doubled our annual intake of /legal/ immigrants, and even granted amnesty to some 3M illegal immigrants. Today, I hear we're figuring some 43M legal and illegal immigrants in the country.
I know ya'll mean well, but god damn people, you're just hurting yourselves with this well-intentioned crap. Ya'll are literally pricing yourselves out of the things /you/ need to survive and be healthy in order to "help others." Pathological Altruism.