Obamacare and Me II

healthcareWhy would someone like me get health insurance? I’m starting to think that it just doesn’t make sense for me.

I’m a very healthy person. I go to the doctor once a year for a physical exam and get basic blood work done. My doctor usually looks at me and asks, “What are you doing here?”

I have had a health plan for a few years that I buy on the individual market. My monthly premium payments add up to much more money than my one yearly office visit costs, but I have the insurance just in case my doctor discovers something seriously wrong or I get in an accident. 

My monthly premium has gone up by 30% this year. I got onto the healthcare.gov site to see if I could find a more affordable plan. Nope. There were plans that had a slightly lower premium, but they had much higher deductibles. The bottom-line is that my out of pocket costs increase under Obamacare no matter what plan I enroll in.

I’m starting to think that it just doesn’t make sense for someone like me to have health coverage. It’s cheaper for me to pay for my yearly check-up and pay the fine for not having insurance, than to pay a higher monthly premium and/or deductible.

I’ll just wait and get coverage if I am ever diagnosed with cancer or something serious. You see, that would then be a pre-existing condition. It’s against the new law to deny coverage to people with pre-existing conditions.

Why pay all that money now if I’m not ever sick? This is why Obamacare will never work. It just doesn’t make sense.

One Reply to “Obamacare and Me II”

  1. Exactly, Jimmy. It doesn’t make sense for most of the healthy, young people needed for this monstrosity to work. Granted there are parts of the law which make sense. But as it written in a monster bill, this is not doable.

    I have offered up my own ideas to Republican lawmakers, but doubt any are paying attention to a Cornfield pundit. If Republicans Are Smart… http://fromthecornfield.com/blog1.php/if-republicans-are-smart.

    You are right for most such as yourself and those healthy, young 18-34 year-old people, it makes more sense to just pay the fine until they need insurance.

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