Published on Jan 13, 2014:
While the video above seems like it is a joke, here are the actual quotes from the healthcare.gov website:
From the penalty page:
If someone who can afford health insurance doesn’t have coverage in 2014, they may have to pay a fee. They also have to pay for all of their health care.
Fantastic. I get to pay for my healthcare, which is fine, but then also a fee on top of that. Why would I have to pay a fee if I already am paying for my own healthcare?
The fee is sometimes called the “individual responsibility payment,” “individual mandate,” or penalty.
Wouldn’t paying for your own healthcare mean taking responsibility for your own healthcare? The fee doesn’t seem to do anything other than not go to your own healthcare.
When someone without health coverage gets urgent—often expensive—medical care but doesn’t pay the bill, everyone else ends up paying the price.
Because we are forced to….by the government.
That’s why the health care law requires all people who can afford it to take responsibility for their own health insurance by getting coverage or paying a fee.
But if they pay for their own healthcare then they are taking responsibility for their own healthcare.
Paying a fee to a doctor for an individual’s own healthcare makes sense as the individual is exchanging their money to the doctor in return for the doctor’s service. The individual is responsible for their own healthcare. This is how capitalism works – a voluntary mutual exchange of value.
Paying a fee to the government means that individual is being forced to pay for someone else’s healthcare. This is how socialism works – from each according to ability, to each according to need.
People without health coverage who pay the penalty will also have to pay the entire cost of all their medical care. They won’t be protected from the kind of very high medical bills that can sometimes lead to bankruptcy.
Do you mean the extremely high medical bills that are the result of…..government intervention into the healthcare market? Such as the case of medicare reimbursements that don’t cover the cost of administering those treatments so hospitals are forced to shift those costs to individuals who want to pay out of pocket? Or other cases where insurance companies are legally required to provide minimal coverages that people don’t want, such as maternity care for single men?
The penalty in 2014 is calculated one of 2 ways. You’ll pay whichever of these amounts is higher:
Great, I always like getting the worse of two options.
• 1% of your yearly household income. The maximum penalty is the national average yearly premium for a bronze plan.
• $95 per person for the year ($47.50 per child under 18). The maximum penalty per family using this method is $285.
The fee increases every year. In 2015 it’s 2% of income or $325 per person. In 2016 and later years it’s 2.5% of income or $695 per person. After that it is adjusted for inflation.
If you’re uninsured for just part of the year, 1/12 of the yearly penalty applies to each month you’re uninsured. If you’re uninsured for less than 3 months, you don’t have a make a payment.
Learn more about the individual responsibility payment from the Internal Revenue Service.
Why is the IRS involved in my healthcare decisions?
Enroll by March 31, 2014 and you won’t have to make the individual shared responsibility payment
Notice how it went from “individual responsibility payment” to “individual shared responsibility payment”?
Why don’t they just drop the individual word and go with ”shared responsibility payment”.
If you pay the penalty, you’re not covered
It’s important to remember that someone who pays the penalty doesn’t have any health insurance coverage. They still will be responsible for 100% of the cost of their medical care.
Yes, thank you for repeating that someone paying the fee receives nothing of value in return as they are already paying for their healthcare as well.
Minimum essential coverage
To avoid the fee you need insurance that qualifies as minimum essential coverage.
Shouldn’t an individual choose what that person deems essential?
And now from the minimal essential health benefits page (numbers added out for easier reading):
The Affordable Care Act ensures health plans offered in the individual and small group markets, both inside and outside of the Health Insurance Marketplace, offer a comprehensive package of items and services, known as essential health benefits. Essential health benefits must include items and services within at least the following 10 categories:
1) ambulatory patient services;
2) emergency services;
4) maternity and newborn care;
5) mental health and substance use disorder services, including behavioral health treatment;
6) prescription drugs;
7) rehabilitative and habilitative services and devices;
8) laboratory services;
9) preventive and wellness services and chronic disease management;
10) and pediatric services, including oral and vision care
What if a 30 year old single male is purchasing health insurance? Why should he have to pay for “maternity and newborn care”? What if he doesn’t want chronic disease management? What if he doesn’t want substance abuse care?
Here’s a hint. It really isn’t about healthcare…..it’s about money. Specifically money from you to be redistributed to someone else.