• underisk@lemmy.ml
    link
    fedilink
    arrow-up
    11
    arrow-down
    2
    ·
    3 days ago

    What good is insurance with a deductible I cannot afford to pay? Mandating people buy shitty insurance is not the win you think it is.

    • ChonkyOwlbear@lemmy.world
      link
      fedilink
      arrow-up
      4
      arrow-down
      5
      ·
      3 days ago

      Just because you don’t have insurance doesn’t mean more people don’t have insurance. Obamacare didn’t create high insurance prices. That was happening no matter what. Also remember that Republicans tried to repeal the ACA more than 70 times and stripped several elements from the plan, so of course it isn’t working as well as we would want.

      • underisk@lemmy.ml
        link
        fedilink
        arrow-up
        5
        arrow-down
        2
        ·
        edit-2
        3 days ago

        I didn’t question whether more had insurance. I questioned the quality and utility of the insurance they were forced to purchase by penalty of fine. One of the elements the republicans stripped was that fine, which existed entirely as a handout to insurance companies who swore up and down that having to cover preexisting conditions would bankrupt them unless you forced everyone to buy their “product”. (Not that the republicans did it out of any altruism or anything, they just wanted to use that as part of a ploy to repeal the ACA entirely, which failed)

        • ChonkyOwlbear@lemmy.world
          link
          fedilink
          arrow-up
          1
          arrow-down
          3
          ·
          3 days ago

          Republicans stripped the fine because that hurt the ACA. Insurance depends on healthy people paying in to cover the sick. The bigger the pool of insured, the lower the costs for everyone. This all falls apart if young, healthy people just chance it and skip having insurance. If you make people pay a fine even if they don’t have insurance, this removes the incentive to skip getting insurance (which keeps prices down).