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Yeah, Obama Care had some good things like preexisting conditions but nasty things such as fining people who cannot afford health care. However there's about 5
by Keverw 7y ago
Yeah, Obama Care had some good things like preexisting conditions but nasty things such as fining people who cannot afford health care. However there's about 5 states that are implementing their own fine for residents. I know though people who are part of health sharing ministries, or if you are amish, a scientologists, a Christian Scientists or a Muslim were exempted from ACA so not sure if states will carry that along or not. Really feel like no system is perfect though.
Then the whole idea of enrollment times being limited, being in network and out of network, even a hospital in network can have doctors and providers out of network. So if you get surgery in network, your anesthesiologist might be out of network and get a surprise bill. Then some doctors will even tell people to not worry and everything will be covered but it's not. I know someone who needed something done but was so worried about getting costs, the doctor got a pre-approval from the insurance company and they still didn't want to pay it. So either the insurance company or doctor lied.
I know some RVers recommend health sharing ministries though, but I know it's not technically considered insurance. There's a few of them that were approved, so Obama Care would see it as insurance even though it wasn't. Also I don't believe you have to worry about the whole in-network or not as you are self paying and then get reimbursed for your bills. Plus traditional insurance doesn't cover you across state lines, so useless for travelers too. Plus I think they might be cheaper too. Something to research more though as sounds like an alternative. I know one isn't too religious, just got to believe in god, don't smoke or drink alcohol unless socially. Kinda interesting you can be legally forced to buy health insurance but you can't even use it.
Same thing with car insurance, forced to get it but it isn't forced to pay anything. Even if you wasn't at fault, they try to wiggle their way out of paying or drop you. Pretty much a legalized mandated ponzi scheme. Then they all run flashy TV commercials saying they are the cheapest to switch to, well they all can't be the cheapest so someone is lying or they give you a deal then a year later it just increases.