With that in mind, how do insurance companies actually sell this stuff, and what is likely to happen post sale to the consumer?
This is not to say that the uninsured are the only issue with healthcare, but their non-participation in the health insurance industry affects those who do buy insurance in a more complex manner than in other industries.
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Those who do have insurance have never had less security and stability than they do today.
When my wife, who's a lawyer, and I were going to try to pick somebody to do health insurance for, we asked the rabbi in our congregation, do you know anybody who does this?
States that don't expand Medicaid likely will have more uninsured, which means, among other things, that health-care providers and employers who do offer insurance will, effectively, pick up the cost of caring for the uninsured when they do get care.
So what they do is they just charge people who do have insurance a little bit higher.
Part of what makes this issue difficult is most of us do have health insurance, we still do.
But even women who do have insurance face inequities under the status quo.
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The public would have been much more receptive had it been framed as a "tax credit" for those who do have insurance.
Neither do health insurance companies and a lot of health care providers.
The only part of Glass-Steagall that we cared about had to do with insurance underwriting, and that is what went away with Glass-Steagall.
What do health insurance and all-you-can-eat buffets have in common?
Interestingly enough, they do mortgage insurance for the lending institutions.
Do such insurance schemes actually carry a state guarantee?
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Those costs get paid by increased premiums for the people who do buy insurance, or they get paid for through socialized costs and claim our tax revenues and come at the expense of other things that people might want to do, like building roads and bridges.
We are calling on our Republican colleagues to get behind a serious health reform bill, one that actually provides not only the insurance reforms for people who do have health insurance but also the coverage for folks who don't.
Why do consumers, insurance firms and regulators behave as they do?
But insurance companies have about as much loyalty to brands as people do to their insurance companies.
In 2014, on the individual market, you can buy your own insurance through the exchanges if you do not have health insurance through your employer, or through Medicare or Medicaid.
The individual mandate, by forcing everyone to buy medical insurance or to pay a fine, was intended to force those who preferred not to purchase insurance to do so in order to subsidize the other customers and their insurance companies.
But if you do have private insurance, you should be very careful with this data.
Your IRA might not have the same type of beneficiary payout options as annuities and life insurance do.
People who make a decision to forego health insurance do not opt out of the health care market.
And while some employers do sponsor retiree insurance, it is usually only for those under 65, fast disappearing, and increasingly expensive.
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However, since they have less than 30 full time employees, their fine would be zero if they do not offer insurance.
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The data do not include exotic cars like Lamborghinis or super-expensive cars like Bentleys--though those models certainly do carry high insurance bills.
Well, what they do is they essentially pass on those costs in the form of higher premiums to the people who do have health insurance.
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However, Americans with no or inadequate health insurance do have an alternative before then to waiting for an altruistic aristocrat to ante up: they can beg.
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