Healthcare IS NOT the same thing as auto insurance

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her209

No Lifer
Oct 11, 2000
56,352
11
0
Here's a scenario:

Two drivers. One insured. One uninsured. They get into an accident with each other. Its determined that its 100% the uninsured guys fault. The uninsured guy has no money, etc.

Who pays to get the insured guy's car fixed?
 

shira

Diamond Member
Jan 12, 2005
9,567
6
81
Originally posted by: PrinceofWands
Originally posted by: shira
Originally posted by: PrinceofWands
Correct. As I pointed out in another thread, back before auto insurance became mandatory in this state (one of the early adopters of such laws) it was argued that there were too many uninsured drivers (about 15% at the time) that were driving up litigation and medical costs as well as forcing insurance rate increases. Since making insurance mandatory the number of uninsured motorists has increased to 17%, the average costs of insurance have increased faster than inflation and faster than wage growth by a large amount, health care costs have increased faster, legal costs have increased faster...in short, making insurance mandatory did nothing good (unless you think making revenue by way of tickets for being uninsured is good) and a TON bad...most of it aimed at making the insurance companies rich beyond all measure.

Insurance is bad in general; mandatory insurance is worth armed revolution to oppose.

Your claim that "making insurance mandatory did nothing" is specious. How do you know that the number of uninsured and average insurance costs would not be MUCH higher if auto insurance were NOT mandatory?

If auto insurance were NOT mandatory, then EVERYONE who had no assets to protect would choose to opt out, since that's a very smart PERSONAL economic choice. Think about it: If I'm a college student with zero assets, and auto insurance is, say, $1500 a year, why should I pay to insure against a theoretical $300,000 liability that I wouldn't be sued for anyway (since lawyers don't go after people with no assets)?

The same applies for medical insurance: If I have no assets, why should I pay (say), $4000 a year to insure myself against (say) a $500,000 medical expense, when I know that should such medical expense arise, I WILL be treated and the government will pay for my expense anyway?

Conservatives are very big on "personal responsibility" until they are FORCED to be responsible to protect the rest of us from their irresponsibility.

You are correct, we do not KNOW, but we can reasonably speculate. We know that when it was NOT mandatory, most people still had it (in fact more than now). Yes, there have been other changes which could be factors, but in general we can guess that most people would still have it.

We can also look at the annual percentage of insured drivers and see that immediately after it became mandatory the number of uninsured dropped by almost 50%, and then only rose roughly in proportion to rising insurance costs above personal income. In other words, we can speculate that IF costs were controlled and kept in line with earnings that it would reduce uninsured by a significant amount. However when insurance companies are allowed to increase profits out of proportion to average individual incomes it offsets the gains of mandates (and in fact pushes us worse than we were before). Sine we can see from history that companies (especially insurance companies) WILL attempt to profit as much as possible from such mandates we can assume that mandatory health insurance without regulation will increase insurance costs and cause fewer people to be insured. This will double damn us financially as most citizens will be paying more for insurance but we'll also be eating the costs of even more uninsured.

Not for certain, but very VERY probably.

Also, you cannot expect the average person to act intelligently (financially or otherwise). If they did that we wouldn't be in the mess we are now. Generally speaking people are stupid sheep.

So, it sounds like you're not arguing against mandatory insurance, you're arguing against mandatory insurance WITHOUT adequate regulation of the insurance industry.

We agree. Mandatory insurance WITH adequate regulation of the insurance industry is EXACTLY what is needed, for both auto insurance AND health insurance.

 

shira

Diamond Member
Jan 12, 2005
9,567
6
81
Originally posted by: Xellos2099
Originally posted by: jonks
Originally posted by: Xellos2099
Everyone would paid thousand of dollars for health care since it is mandatory and one can CHOOSE not to buy a cars, thus no auto insurance.

everyone can choose to jump off a building too. you choose to live.

You are twisting my word. You do not need a car to survive. You can't possibily compare between car and jumping off a building.

Everyone who chooses to drive a car MUST assume the responsiblity that their driving could cause enormous monetary losses. If you're not willing to assume the responsiblity, don't drive.

Similarly, if you live and breath, there's a chance an illness or accident involving you or a member of your family could entail enormous costs. You cannot be allowed to "choose" to be irresposible and force society as a whole to assume the risks of your decision to forego health insurance.
 
May 16, 2000
13,526
0
0
Originally posted by: shira
Originally posted by: PrinceofWands
Originally posted by: shira
Originally posted by: PrinceofWands
Correct. As I pointed out in another thread, back before auto insurance became mandatory in this state (one of the early adopters of such laws) it was argued that there were too many uninsured drivers (about 15% at the time) that were driving up litigation and medical costs as well as forcing insurance rate increases. Since making insurance mandatory the number of uninsured motorists has increased to 17%, the average costs of insurance have increased faster than inflation and faster than wage growth by a large amount, health care costs have increased faster, legal costs have increased faster...in short, making insurance mandatory did nothing good (unless you think making revenue by way of tickets for being uninsured is good) and a TON bad...most of it aimed at making the insurance companies rich beyond all measure.

Insurance is bad in general; mandatory insurance is worth armed revolution to oppose.

Your claim that "making insurance mandatory did nothing" is specious. How do you know that the number of uninsured and average insurance costs would not be MUCH higher if auto insurance were NOT mandatory?

If auto insurance were NOT mandatory, then EVERYONE who had no assets to protect would choose to opt out, since that's a very smart PERSONAL economic choice. Think about it: If I'm a college student with zero assets, and auto insurance is, say, $1500 a year, why should I pay to insure against a theoretical $300,000 liability that I wouldn't be sued for anyway (since lawyers don't go after people with no assets)?

The same applies for medical insurance: If I have no assets, why should I pay (say), $4000 a year to insure myself against (say) a $500,000 medical expense, when I know that should such medical expense arise, I WILL be treated and the government will pay for my expense anyway?

Conservatives are very big on "personal responsibility" until they are FORCED to be responsible to protect the rest of us from their irresponsibility.

You are correct, we do not KNOW, but we can reasonably speculate. We know that when it was NOT mandatory, most people still had it (in fact more than now). Yes, there have been other changes which could be factors, but in general we can guess that most people would still have it.

We can also look at the annual percentage of insured drivers and see that immediately after it became mandatory the number of uninsured dropped by almost 50%, and then only rose roughly in proportion to rising insurance costs above personal income. In other words, we can speculate that IF costs were controlled and kept in line with earnings that it would reduce uninsured by a significant amount. However when insurance companies are allowed to increase profits out of proportion to average individual incomes it offsets the gains of mandates (and in fact pushes us worse than we were before). Sine we can see from history that companies (especially insurance companies) WILL attempt to profit as much as possible from such mandates we can assume that mandatory health insurance without regulation will increase insurance costs and cause fewer people to be insured. This will double damn us financially as most citizens will be paying more for insurance but we'll also be eating the costs of even more uninsured.

Not for certain, but very VERY probably.

Also, you cannot expect the average person to act intelligently (financially or otherwise). If they did that we wouldn't be in the mess we are now. Generally speaking people are stupid sheep.

So, it sounds like you're not arguing against mandatory insurance, you're arguing against mandatory insurance WITHOUT adequate regulation of the insurance industry.

We agree. Mandatory insurance WITH adequate regulation of the insurance industry is EXACTLY what is needed, for both auto insurance AND health insurance.

Well, yes and no. If there could be truly adequate regulation and oversight, it would be a band-aid fix. My personal belief is insurance is evil and can do NOTHING but harm society. It produces NOTHING, but leeches from us all. I want the entire concept of insurance banned and removed from human consciousness.

I will never support insurance, will no longer participate in insurance, etc. If they're going to mandate it, then the only way to prevent me grabbing my rifle and declaring war against the government is significant regulation and oversight. It still won't get me to participate, but it will stop me shooting people.

I will support total single payer, or I will support socialized, or I will support some sort of government guaranteed low-interest loan program, or I will support total hands-off every man for themselves. Or some of those in combination are ok as well. Those are the options.
 

jonks

Lifer
Feb 7, 2005
13,918
20
81
Originally posted by: Xellos2099
Originally posted by: jonks
Originally posted by: Xellos2099
Everyone would paid thousand of dollars for health care since it is mandatory and one can CHOOSE not to buy a cars, thus no auto insurance.

everyone can choose to jump off a building too. you choose to live.

You are twisting my word. You do not need a car to survive. You can't possibily compare between car and jumping off a building.

I twisted nothing. You said a person can opt out of car insurance by choosing not to have a car. I noted one can opt out of health insurance as well. Or are you in favor of letting millions of people go without coverage at the expense of those who do? Sounds like socialism to me...
 

blackangst1

Lifer
Feb 23, 2005
22,914
2,359
126
Originally posted by: jonks
Originally posted by: Xellos2099
Originally posted by: jonks
Originally posted by: Xellos2099
Everyone would paid thousand of dollars for health care since it is mandatory and one can CHOOSE not to buy a cars, thus no auto insurance.

everyone can choose to jump off a building too. you choose to live.

You are twisting my word. You do not need a car to survive. You can't possibily compare between car and jumping off a building.

I twisted nothing. You said a person can opt out of car insurance by choosing not to have a car. I noted one can opt out of health insurance as well. Or are you in favor of letting millions of people go without coverage at the expense of those who do? Sounds like socialism to me...

No, its not.
 

woodie1

Diamond Member
Mar 7, 2000
5,947
0
0
Originally posted by: her209
Here's a scenario:

Two drivers. One insured. One uninsured. They get into an accident with each other. Its determined that its 100% the uninsured guys fault. The uninsured guy has no money, etc.

Who pays to get the insured guy's car fixed?

AFAIK if you live in a no-fault state your insurance pays to fix your car regardless of who is at fault. Those who don't have insurance - too bad. Hmmm ... maybe we should do that with health care.
 

ultimatebob

Lifer
Jul 1, 2001
25,135
2,445
126
Lousy analogy, considering that I don't like paying for car insurance and home insurance, either.

Hell... between the two of those, I figure that pay over $1,600 a year and get back nothing most of the time. I would be better off putting that money into a rainy day fund, and paying my own auto body and house repair bills if I ever had an accident.

The state of Pennsylvania has a nice program where you could "self-insure" your car if you kept a security deposit of $50K in the bank for it... I wonder if wealthier folks could do the same thing for mandated health insurance.
 

Xellos2099

Platinum Member
Mar 8, 2005
2,277
13
81
Originally posted by: jonks
Originally posted by: Xellos2099
Originally posted by: jonks
Originally posted by: Xellos2099
Everyone would paid thousand of dollars for health care since it is mandatory and one can CHOOSE not to buy a cars, thus no auto insurance.

everyone can choose to jump off a building too. you choose to live.

You are twisting my word. You do not need a car to survive. You can't possibily compare between car and jumping off a building.

I twisted nothing. You said a person can opt out of car insurance by choosing not to have a car. I noted one can opt out of health insurance as well. Or are you in favor of letting millions of people go without coverage at the expense of those who do? Sounds like socialism to me...

It is call "FREEDOM" Or are you saying being alive is optional? Car is optional, are you telling me having a car is a necessity to life like being alive?
 

Ackmed

Diamond Member
Oct 1, 2003
8,478
524
126
Is there liability health insurance once you reach a certain age. Once you've paid you're share, you pay less... since its the same thing and all.
 
Dec 26, 2007
11,783
2
76
Originally posted by: Xellos2099
http://www.cnn.com/2009/POLITI...health.care/index.html

I read in the news that Obama is claiming that mandatory insurance is a good thing and he compare to mandatory auto insurance. Mandatory is never a good thing and he is lying about it.

The comparison between government health care and auto insurance is dead wrong. Everyone would paid thousand of dollars for health care since it is mandatory and one can CHOOSE not to buy a cars, thus no auto insurance.

First off, insurance 101.

Insurance is to put you financially where you were prior to a loss. In auto/home insurance this means return you to the financial state you were in (i.e. the value of the asset) prior to damages occurring. Health insurance is the exact same thing, just regarding your health and medical issues. In other words, when a "loss" occurs (i.e. break a bone) and an expense is incurred from that it pays to return you financially to where you were prior to the loss.

I do agree they are different. The reason for this is that because a car is a luxury item that you have control over ownership. Healthcare on the other hand is not entirely in your control over suffering a "loss". Some of it is, yes. If there is a real reason a person cannot afford insurance (not just choosing to not have it), then shouldn't we as the "best country in the world" shouldn't we try to help those who are not able to get medical care?
 

Xellos2099

Platinum Member
Mar 8, 2005
2,277
13
81
I am just saying I do not like the idea that idea of mandatory health care is compare to auto insurance. Obama claim it is not tax while everyone and their mother say it is.
 

Oceandevi

Diamond Member
Jan 20, 2006
3,085
1
0
Why cant health care be affordable? Why does health care need the "insurance" model? A public OPTION is fine. Mandatory is bullshit. I have "insurance" now and it works fine.
 
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