Ten Reasons Why Hillary lost - And they are probably not what you thought

[CajunBlazer]

111. Okay, what plan would you have suggested that Hillary should have pushed?

Not easy is it.

The costs of the AHCA policies are going up for two reasons:

1) Young people who think they are immortal and bullet proof aren't signing up for insurance because they would rather spend their money on having fun. They aren't being responsible and since they are the biggest risk takers, when they get into accidents and can't pay their medical bills, all of us pay more when medical facilities and doctors have to absorb loses on their care.

2) Insurance companies are having to pay out more than they expected because they are having to insure older and sicker populations which are not balanced out by healthier young adults.

My solution is already written into the law. This year and from now own the penalties for not having insurance will really kick in for those who can afford insurance yet refuse to enroll in a plan. Since the penalties come due when they pay their taxes, this April a lot of people are going to be in for a surprise because they will have to have proof of health insurance or they will have pay their fines.

The slackers will figure out that their penalty will rise to 2.5% of of their total household adjusted gross income, or $695 per adult and $347.50 per child, to a maximum of $2,085. For many it will make sense to get insured immediately. If they are going to have to pay anyway, they might as well get something for it.

By the way - the high deductible plans you call useless aren't in place to pay for ordinary medical expenses, and they aren't useless. They are designed to prevent people from being bankrupted by the expenses resulting from catastrophic illness and accidents. This type of coverage is getting less and less unusual - many large companies are going to this kind of coverage for their employees, including my employer.