President Trump

oldngray

nowhere special
If you have a lapse you can get re insured. You just have to pay a penalty.

Good idea because it discourages people from waiting until they are sick to get insurance.
 

Jones

fILE A GRIEVE!
Staff member
Not at all. Quite the opposite.

A choice. Not a mandate.
The mandate penalized people for not having insurance in order to discourage them from waiting until they were sick to get insurance, but they still had a choice. That's exactly what this penalty does and for the same reason. The only difference is that you paid the penalty up front instead of after the fact but the choice is still the same: Get insurance or pay a penalty.
 

oldngray

nowhere special
The mandate penalized people for not having insurance in order to discourage them from waiting until they were sick to get insurance, but they still had a choice. That's exactly what this penalty does and for the same reason. The only difference is that you paid the penalty up front instead of after the fact but the choice is still the same: Get insurance or pay a penalty.

The mandate forced people to get insurance or pay a tax.

Choosing to go without insurance and not paying anything until you decide you do want insurance is different.
 

Jones

fILE A GRIEVE!
Staff member
The mandate forced people to get insurance or pay a tax.

Choosing to go without insurance and not paying anything until you decide you do want insurance is different.
Everyone will need insurance at some point so no, it's not different. It's an acknowledgement of the reality that if you are going to force insurance companies to accept people with preexisting conditions then you have to have a mechanism that will force the majority of people to maintain insurance or everyone will just start gaming the system. Under the mandate you paid the penalty when you chose not carry insurance, under this new system you pay the penalty when you choose to get insurance, but under either system those who choose to forgo getting insurance until they get sick will pay a penalty.
 

oldngray

nowhere special
Everyone will need insurance at some point so no, it's not different. It's an acknowledgement of the reality that if you are going to force insurance companies to accept people with preexisting conditions then you have to have a mechanism that will force the majority of people to maintain insurance or everyone will just start gaming the system. Under the mandate you paid the penalty when you chose not carry insurance, under this new system you pay the penalty when you choose to get insurance, but under either system those who choose to forgo getting insurance until they get sick will pay a penalty.

The difference is having a choice.
 

It will be fine

Well-Known Member
The difference is having a choice.
The difference is the removal of protections against pre-existing conditions. In Republicare insurers can charge whatever they want for someone that is sick. $150,000 in annual premiums if you have cancer? Doesn't sound like a choice to me. So say you get cancer and loose your job. You can't afford premiums because you have no job so your coverage lapses. Then some miracle happens and you recover. Now if you want insurance again, sorry it's still gonna be $150k/year. That is the freedom of choice the republicans are offering.
 

oldngray

nowhere special
The difference is the removal of protections against pre-existing conditions. In Republicare insurers can charge whatever they want for someone that is sick. $150,000 in annual premiums if you have cancer? Doesn't sound like a choice to me. So say you get cancer and loose your job. You can't afford premiums because you have no job so your coverage lapses. Then some miracle happens and you recover. Now if you want insurance again, sorry it's still gonna be $150k/year. That is the freedom of choice the republicans are offering.

hypothetical sob story
 
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