You may not be old enough to need a colonoscopy or a mammogram, if you are a woman, but I need a colonoscopy every five years. It is now covered 100%. In the past, it would have cost me over $1000.
The reason men are now being charged for things like prenatal care and other woman's care is that is the easiest way to make the cost for the policies the same for a man and woman. Now if you are asking why a man should pay for a woman's healthcare when she is pregnant, either you are being foolish or you need to go back to health class in high school. I'll tell you what; I'll help you out on this one. In the vast majority of pregnancies, a guy helped. The only way a man did not willingly take part is in the case of a woman being inseminated from a sperm bank or in the case of Mary, it was an immaculate conception.
i had one at age 50 it run about 700 bucks
paid out of pocket
i do 4 office visits a year
and 4 lab works (done at a different site)
and one daily medication
all together it costs me less then a thousand a year
the insurance quoted me runs 696 a month (8300 a year)
and guess what i still get to pay towards my office visits and labs
it is cheaper to pay the fine
That's fine so long as you don't get sick. The real purpose of insurance is for when you really get sick. Not everyone does. Almost all homeowners purchase health insurance even though very few people lose their homes.
I know routine healthcare doesn't cost that much if you are healthy. Mine runs about $1500 per year and I have cirrhosis of the liver but it is early stage and not progressing. I've had it for almost ten years now. I am highly unlikely to become seriously ill before I am old enough for Medicaid. I run twenty to twenty five miles per week. I'm in great shape. I just ran a 5k in under 22 minutes last week. I finally broke 22. BTW, I smoked for 30 years before quitting a couple of years ago. But again, I am now in great shape.
Here is the thing though. We just can't be certain who gets sick and who doesn't. There are no guarantees. My wife got sick over twelve years ago. She had leukemia. No reason why, but she drew the short straw. She battled it for ten months before losing the fight. Her medical bills for those ten months came to $1.3 million.
So yea, your yearly medical bills don't amount to much. But what happens if you are the one who draws the short straw? Who pays your medical bills if you don't have insurance? Is everyone else who does pay supposed to pick up the tab for you? I mean you are a conservative who believes the individual should be financially responsible, right?