Everyone can't afford insurance. Example:
40hours a week(assuming full time MANY jobs are part time)x$10hr=$400-$100 in taxes( federal income tax,social security tax, and medicare tax. Lets assume that you don't live in New York. So no state,or city tax) So you have $300 per week take home x4 weeks in a month=$1,200 a month.
OK, who is this person? Or did you just make up a situation you think meets the parameters?
This assumes that the car is paid for and does not take into account car insurance (mandatory in Fla.) As you can see all the money is spent on the basics and there nothing left for clothes or unforseen events (car breakdown etc)
Whoa!!! CAR?! Now do they also have the right to own a car?
And in your example with the $10,000 deductible, even if this person in my hypethetical example could by this policy they would have to pay off the first $10,000 in bills in addition to paying the $200 a month premiums. Now I know you will say, "they will just have to get a second job". But what if they have to be at home when their kid gets out of school? After all, definately can't afford child care.
Kids? They have kids? Then they don't pay a dime in SS or Fed tax, so add that back in. And guess what, at that income THE KIDS GET FREE HEALTHCARE. (as well as free school breakfast and lunch). The parent, with the Bush taxbreak, can then get a much cheaper insuranace plan for just themselves. with a much lower deductable. But since you said "kids" (plural), where is the other parent? Opps, forgot, there is no responsibility in your world.
At the time of this tragedy, he had insurance which paid most (not all) of the bills. But NOW, NO ONE WILL COVER HIM BECAUSE OF HIS PREVIOUS CONDITION (BEING PARALYZED) AND IT IS TOTALLY THE FAULT OF SOMEONE ELSE
Then that happened a while ago. My understanding is that if youu currently are insured, your next employer MUST pick you up.
It is also illegal to "cook the books" but the executives at Enron, WorldCom, etc. did it anyway. I thought that the SEC Acts of 1933 and 1934 were supposed to prevent that. People can be turned away for lack of insurance. All the hospital has to do is retain "dream team" attorneys who specialize in medicine so that they could convice a judge or jury that the patient did not necessarily die due to being turned away and forced to go to the county hospital 40 minutes away.
And all the person has to do is hire the "dream team" ambulance chaser, and he's on easy street. The differance is that in the U.S. if a Dr. or hospital screws up your life, you have recourse, in The Great White Utopia (Canada), you have none. That's one of the ways to pay for socialized medicine. No big dollar lawsuits. So in Canada, the government can (and does) deny coverage, and youcan't even sue for damages. Good plan
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