Let’s be very clear: The Supreme Court ruled in the Obamacare case that the government CANNOT force you to buy a product. It can only force you to pay a tax, but we knew that already. So the following exchange in the comment section of an online article caught our eye:
paxf: Obamacare says healthy people don’t have to buy insurance except when (and while) they’re sick. Just pay the opt-out fee. $95 or 1% to opt out costs a fortune less than thousands for DemCare. You can still buy “insurance” if you ever need it, then cancel once you’re done with it–it makes financial sense, and the law says you can.
positivelyUp: Wrong!… You can’t opt in and out of paying for Insurance and not have to pay fees whether it is RomneyCare in Massachusetts or ObamaCare. They are both MANDATED by law. So no, it does not make “financial” sense to pay unnecessary fees for not having insurance.
paxf: You’re wrong. You don’t have to buy insurance–you can pay the opt-out fee/tax, with no other legal liability or responsibility. The opt-out tax is far cheaper: only $95 (or 1% of income, whichever is more) in 2014, versus paying many thousands ($20,000 a year according to the IRS for a typical garbage “Bronze” Obama coverage for a family of five).
Statistically, numerically, opting out is the sensible thing to do.
If you get sick, the unACA says you can still buy it, for the same price as if you were healthy, and insurers are REQUIRED to sell it to you.
Oh, if you’re chronically or seriously ill it makes sense to do the opposite–get the biggest, bestest(tm) Obamacare policy available, and use every benefit you possibly can.
It’s legal. It’s rational. It’s financially sound. It’s patriotic.
Obamacare is the mother of all cost-shifters.
Of course paxf is correct. There is no legal requirement for you to buy health insurance. The Supreme Court agreed with us: that’s unconstitutional. Obamacare’s ‘community rating’ ensures that your premium will be much the same as everyone else’s, whether you are young or old, healthy or at death’s door, etc. Obamacare’s ‘guaranteed issue’ means that insurance companies must sell you a plan, even if you have a preexisting condition. The IRS’ reporting regimen, when fully implemented, will check every month to see whether you have coverage. Therefore, it is correct to say you can effectively buy coverage by the month, ditching it when you no longer need it.
But the main points are these:
We assume Obamacare’s supporters can read Supreme Court opinions just as well as we can. Therefore, we are led ineluctably to the conclusion that they are out in the blog wars deliberately spreading falsehoods, starting with the spurious notion that Obamacare REQUIRES you to buy health insurance. They are trying to hoodwink you into buying insurance when you have no legal obligation to do so.
It did not escape our notice that positivelyUp would be just fine with a law that did mandate everyone buy insurance. This is the authoritarian mindset on full display – ‘our grandiose schemes will work if people will only do what we want them to do. And if they don’t, we’ll just ram it down their throats.’ As Frontpagemag.com likes to say, “Inside every liberal is a totalitarian screaming to get out.”
Wake up, people! Obamacare’s supporters are tyrants and they aren’t through with you yet. Just wait until 160 new government agencies open up on you and 17,000 new IRS agents start swarming all over your bank account. Big-time Dem and Obamacare author Max Baucus said it first: Obamacare is not about healthcare. That’s right, Max, it’s about naked coercion for the pure sport of it.