Reality has a Liberal Bias asked:


The problem is that, without the mandate, insurance companies won’t cover people with pre-existing conditions. Otherwise, people will just wait until they get sick to buy insurance.

So you have to create a system where everyone is insured — a mandate.

OK, if you don’t like the mandate, how would you get insurance companies to provide affordable insurance to people with pre-existing conditions without a requirement for everyone to have insurance

Your solution has to cover the situation where a person gets laid off, wants to start their own business, and needs to buy affordable individual coverage (not group coverage) for themselves and their family.

You have 30 minutes. Begin….now.
“Affordable” Median income in the US is about $45,000.
Lenny — thoughtful answer. I see challenges in drawing the line around the condition and other conditions, but it’s a start.
Primo — you’re not answering the question I asked. I’m not debating the constitutionality (although 2 of the 3 rulings favor the mandate), I’m asking for an alternative that will address the issue of coverage for pre-existing conditions.
Jay — I don’t see how this will work. No insurance company is going to accept paying $100,000 in hospital bills in exchange for $10,000 in back premiums.
“gws35″ — HIPAA Title I doesn’t address my scenario.

asked:


How would Government run health care be any worse if a Government worker were to make a decision or the insurance person who is only concerned about making a profit.
No one seriously believes that insurance executives, who tell their workers to NOT cover as many conditions as possible have the best interest of the patient in their mind.
We already have death panels, being “denied” for a heart transplant by an insurance person who knows nothing about you, nor cares. The Government would not do this. But no one said Republicans can think for themselves. Look at their candidates. Enough said.

Fears of a Clown asked:


If there’s no mandate, and insurance companies are forced to give me affordable health care regardless of preexisting conditions, that means I only have to get health insurance when I come down with cancer. I hear many Republicans stating that they are all for barring insurance companies from excluding those with preexisting conditions, but none of them explain how you can do so without a national mandate to buy health insurance like we have with auto insurance.

mona asked:


I own a business (LLC) with two other people. It is only us three; we do not have any additional employees. We pay for our health insurance through our business. Based on these facts, I was wondering how much I stand to save on my personal taxes. Is this a standard write off like any other business expense or does the IRS treat health insurance differently?

johma513 asked:


As I understand it, the bill forces all Americans to have health insurance. However, I think that the fine for having no health insurance is around $750. But after the year 2014, health insurance companies will not be able to turn customers away for preexisting conditions. Why wouldnt someone pay the fine or buy low end coverage until they got ill and supplement the coverage or buy an extensive plan?

Jimbo asked:


My friend said that all the insurance companies would just move to South Dakota, because that is the state with the weakest consumer protection laws, and then they could sell insurance nationwide and ignore the laws of the other 49 states.

How true is that?

Jimbo asked:


My friend who is an MBA said that if this were implemented, all the insurance companies would just move to South Dakota, because they have the weakest laws, and then they would be able to sell insurance to everyone and ignore all the other states’ laws. Is that true?

AllorNothing AKA The Black MikeT asked:


Health, Auto, and Financial insurance. How in a capitalistic society can everyone be happy since supposedly in capitalistic society YOUR MONEY is ONLY YOUR MONEY? Your money is what YOU have worked for?

Insurance there is no guarantee that you will get the most out of the coverage because you may rarely file a claim. Any other Time you will pay monthly for something that might not happen.

It seems like insurance and capitalism has nothing to do with each other and can’t function without making a big mess.