Obamacare not affordable

[TaraJo]

I don't think I am cocky just confident as hell.
Zazzy, Did not read what i write, my way has been working for me about 24 YEARS with zero doctors. i don't even have any medical records. For some odd reason i have been avoiding all of those problems you mention, maybe I am not as stupid as people here think.

Lots of people avoid those problems for years and years. The individual mandate is actually in there to protect insurance companies in that they don't want you to do that. Specifically, if everyone can do that and nobody can be denied coverage for pre existing conditions, nobody will bother to get health insurance until they're sick and it will wind up costing them to cover you. Basically, they need to collect money from healthy people so they can afford to cover sick people.

And while it makes business sense, I still think we'd be better off simply eliminating the insurance companies from the equation altogether. But until we switch to single payer, it's the next best idea.

Broken bones = be very very careful, Everyone dies, if I had a bad accident I would rather die than hold on to life in a padded wheelchair
communicable diseases= know who you are with, I need to see medical report in my hand
mutated tumor suppressor genes= don't think i have that LOL
faulty genetics of any kind= Same as above I think

Lol. You don't know how easily you can have some of those things AND NOT EVEN KNOW IT!

About ten or so years ago, if you had asked my mom, she would have told you she doesn't have any of those issues, either. Then her mom was diagnosed with breast cancer. Her grandmother, her moms' mom, also died from breast cancer. So, she saw a pattern, got tested and, sure enough, she has the breast cancer gene.

Know what else? Without bad ol' Obamacare, insurance companies would love to take her premium, month after month after month, and then deny her coverage when the breast cancer gene turns into breast cancer by claiming she had a pre existing condition that she never told them about (or they would tell her that except that she works for Blue Cross/Blue Shield and, therefore, knows how to work the system).

But that's just the stuff you can have and not know it. The unexpected can come up any time. I mean, the law says you have to have insurance to drive a car; they don't say "Ok, you don't need insurance as long as you don't get into any accidents." You get insurance for the unexpected situations, not for the expected ones. Hell, if that was how life worked, I'd wait to get home owners insurance until I figured my house was going to get robbed (in the real world, if you try that, the insurance company is going to suspect fraud right away).