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Charlotte Said:

Why is the health care bill being compared to car insurance?

We Answered:

Even if you do have a car, you'd only have to purchase cheap casualty insurance should you injure another party, covering yourself and your own car is optional. Health insurance $500/month vs. $80/month car insurance. Yup, insurance companies had a big day as the bill they wrote and funded has passed, their stocks had closed highest in history last Friday anticipating this historic victory day for THEM (not the fools who are stuck paying them).


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There will be 17,000 new IRS agents (if the bill says 16,500 you KNOW it's going to be at least triple that, more like 60K new IRS agents). It will be their new job to make sure everyone purchases their own health insurance 365 days of the year, they need to show proof of payment and coverage when they file their taxes (and if they don't file have to mail it in to the IRS). Things sound oh so good now, but if you have a slow month and have to choose between your rent, bills or health insurance, and are forced to choose health insurance to avoid the $2250 penalty, even if you can't afford it for 1 month, are you going to start stressing, feeling like your right to purchase and spend your money as you please has been stripped away because insurance companies paid $60 billion and WROTE a bill to benefit them? And if you don't pay the fine you get your wages garnished, bank accounts frozen (which the bill says the government will have access to without a court order on everyone's accounts) or else serve 3 months in jail).

Bradley Said:

The more important factor in terms of car insurance?

We Answered:

A newer car with more miles is worth less than an older car with less miles. More miles = worth less. Age is less of a factor.

Tara Said:

What websites in the UK can i go to for cheap car insurance.......no compare websites please.?

We Answered:

Elephant.co.uk are always the cheapest for me.

Dan Said:

How dos US car insurance work compared to english car insurance?

We Answered:

Us car insurance is basically the same, but again, it depends on what your provider is. In england, the rules are probably stricter because of different laws.

Holly Said:

What's a good defense for the opposition of the health care bill, when libs compare it to car insurance?

We Answered:

Insurance is best for unlikely but catastrophic expenses like car crashes. You don't expect to have to use car insurance during the year and the vast majority of drivers don't. On the other hand, if you have an accident and, God forbid, there are any injuries, the expenses can be very very high, beyond the ability of most people to pay out of their normal incomes.

Health insurance, on the other hand, is used for things that, not only do we expect to happen on a relatively frequent basis (doctor's office visits, pharmacies, etc.) but are predictable and relatively inexpensive (ask your doctor what the cost would be if you paid for your services in full at the time of service). Certainly there are very expensive things that can happen in health care but they don't happen frequently. Catastrophic health care insurance is about the only thing that is truly comparable in any way to car insurance and if they want to demand that kind of coverage I could support that. Covering everything and making decisions about how and when we should get care is something I don't see as a rational approach.

I note from the above that many people use the argument that they don't need a car. While true that is a cop out argument, the real argument lies in the underlying economic rationale for insurance which is a pooling of risk for unlikely but expensive occurences. Health care "insurance" goes beyond that type of coverage and is therefore not justified by the same argument as that used for car insurance.

I also note that several liberals have taken shots at this by saying that they don't use this argument to support health care reform. Fine, but recognize that other supporters of the legislation do use that argument and answer the question.

Kurt Said:

How can forcing people to have car insurance compare to forcing health insurance?

We Answered:

If they require health insurance I'll just print up a little card that says I have it. I'm not about to buy something I don't need. Haven't had insurance in 12 years. When I go to the doc I pay cash. Cheaper! Why pay 250/month for premiums to be told "sorry, we don't cover that!" Been there, done that, not doing it again.