View Poll Results: Do you have health insurance (options 4-10 if you live in the U.S.)

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  • I live in a country with universal healthcare or mandatory health insurance

    12 30.77%
  • I live in a country without universal healthcare and have insurance

    1 2.56%
  • I live in a country without universal healthcare and don't have insurance

    2 5.13%
  • I have insurance through my parents, spouse, partner, or other non-employers

    8 20.51%
  • I have insurance through my employer

    9 23.08%
  • I purchased my own insurance

    1 2.56%
  • I have insurance through state or government assistance

    1 2.56%
  • I don't have insurance because I don't think I need it (rarely get sick)

    2 5.13%
  • I don't have insurance because I can afford to pay out-of-pocket

    1 2.56%
  • I don't have insurance because I can't afford it

    2 5.13%
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Thread: Do you have health insurance?

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  1. #1
    Kim's Avatar
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    Default Do you have health insurance?

    Second try. I expanded the options. If you live in the U.S., go straight to options 4-10. If you don't live in the U.S., select from options 1-3. I will post a more specific international poll shortly.



    If your option is missing, please describe in a post.
    Last edited by Kim; 09-14-2011 at 08:07 PM.
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    there is no poll

    fixed, whatever it was, I see the poll now
    Last edited by Nico1e; 09-14-2011 at 08:13 PM.

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    I answered 'I can't afford it' because 'NO! OH GOD NO! DON'T MAKE ME GET INSURANCE!' wasn't an option.

    Several years ago, I was working at a couple of 'good jobs.' I won't go into all the details, but that was back when I was working for the temp agency, working at factories, and also, before that, working 'full time' at a grocery store. I had insurance back then.

    There's like almost a decade of experience and reading that has gone into the opinion that I have about it now, so it's hard to summarize all the reasons why I now hate insurance.

    1. I have to pay lots of money, because you want *your* insurance to pay for every single trivial visit to the doctor every time you catch a cold. (Note, when I say 'you,' I don't mean 'you personally whoever is reading this,' I just mean a general 'you' as in 'somebody else.') All I want is insurance for disastrous accidents, but that kind of insurance is almost never available, and instead, I can only get the type of insurance that pays for every tiny little hangnail or splinter that you go to the doctor for. That raises the cost of insurance.

    2. I would rather just get paid higher wages, instead of getting insurance as my 'benefit.' But the reason why insurance is offered as a benefit is because it is tax deductible for the employer. That will sound like gibberish to a lot of people, but basically it means that employers give you health insurance because, in some twisted way, it's cheaper for them to give you insurance instead of giving you higher wages. I can't even really explain it myself. They are saving money somehow, if they give you insurance instead of higher pay. I don't want that, I want higher pay. I hate tax incentives, and I don't believe in the income taxes at all, in general.

    3. I'd be interested in a fully funded, keep-your-money, not-for-profit insurance arrangement, where you might get together with other people and agree to voluntarily help each other pay hospital bills under certain conditions. Nobody collects any profits from this arrangement. It is not a 'business.' It is an agreement, with rules. I hate the idea that some of the money I pay for my insurance goes to their profits and their administration, their secretaries and bookkeepers and CEOs and all the other people who have to get paid to run the business.

    In my agreement, we would keep all of our money in our own little funds. In my imagination, this 'fund' is a physical safe box, rather than something far away in a bank. I've actually got my literal, physical safe locked up with money in it, and so do all the other people in the insurance agreement. We do not give out our money to anybody else unless we agree to. We save up money ahead of time in these boxes. Whenever someone has an unexpected accident, we contribute a portion of our saved-up money to help them, but if we don't choose to contribute, then we don't.

    However, if you frequently don't contribute, then you get a bad reputation. You have to have a good reason to refuse to give out the money. That is why we would have clear rules and agreements about what types of things we would pay for.

    I actually gave up on all this and just decided to trust luck. I will simply default on my bills if I get in an accident. In the past, I used to care. I used to believe it was unethical to default on any bills. Many terrible things have happened to me in the past few years, which have caused me to decide that defaulting on bills is a necessary thing to do. I won't go into it. It is a very bitter and cynical feeling, because the truth is that I prefer to pay bills, I prefer to be ethical and trustworthy, I prefer to live in an honorable society where people pay for the things that they receive.

    Hospital bills are too high, and I know the reasons why they are too high, and I know the reasons why the entire medical system is not working, and I know what's causing all of it, but I have no control over this and I do not have the power to fix the system.

    But I refuse to spend money on insurance and have all that money destroyed and gone forever.

  4. #4
    Professional Turtle Taknamay's Avatar
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    "I live in a country without universal healthcare and don't have insurance"

    This seems redundant because these answers:

    "I don't have insurance because I don't think I need it (rarely get sick)"
    "I don't have insurance because I can afford to pay out-of-pocket"
    "I don't have insurance because I can't afford it"

    already provide specific situations where you wouldn't have health insurance.
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    Quote Originally Posted by Taknamay View Post
    "I live in a country without universal healthcare and don't have insurance"

    This seems redundant because these answers:

    "I don't have insurance because I don't think I need it (rarely get sick)"
    "I don't have insurance because I can afford to pay out-of-pocket"
    "I don't have insurance because I can't afford it"

    already provide specific situations where you wouldn't have health insurance.
    If you live in the U.S., go straight to options 4-10. If you don't live in the U.S., select from options 1-3. I will post a more specific international poll shortly.
    “Life shrinks or expands in proportion to one's courage.”
    ― Anais Nin

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    I live in a country with semi-universal healthcare. Dental care is not covered, I tried to get insurance but they said my teeth have high risk of cavities and thus they didn't accept my request.
    Obsequium amicos, veritas odium parit

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    i don't have health or dental insurance. i used to through my mom but she told me it expired when i turned 19 because i had kid's insurance. she doesn't have her own. i can't afford to get it now, which is a damn shame because i need my wisdom teeth removed, i'm prescribed expensive medication, and i'd like to get on birth control. not to mention i haven't had a check up since i was 12.
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    Quote Originally Posted by FDG View Post
    I live in a country with semi-universal healthcare. Dental care is not covered, I tried to get insurance but they said my teeth have high risk of cavities and thus they didn't accept my request.
    I wonder how many countries do include dental? Here you're covered for Dental and Eyecare until you're 19. During adulthood you're no longer covered at all for dental/eye.
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    Quote Originally Posted by Kim View Post
    If you live in the U.S., go straight to options 4-10. If you don't live in the U.S., select from options 1-3.
    Sorry, I forgot how to read.
    What is a utopia? A dream unrealized, but not unrealizable. -- Joseph Dejacque
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    I live in a country where everyone is entitled to free state run healthcare including forigners like myself. However one must be careful because it isn't always great. I don't trust their diagnostic abilities. The best doctors are privatized, but they're very cheap and so it isn't an issue.

    I also have insurance in the States through school if something serious happens.

    "I don't have insurance because I don't think I need it (rarely get sick)" is foolish. Nobody ever thinks they are going to get cancer.

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    you're kinda missing "i live in a country with universal healthcare but i also have extra health-insurance through someone else"

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    Quote Originally Posted by Aiss View Post
    you're kinda missing "i live in a country with universal healthcare but i also have extra health-insurance through someone else"
    I will post a more specific international poll shortly.
    There were several options I wanted to include, but the list was getting quite long. Apologies!
    “Life shrinks or expands in proportion to one's courage.”
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    My health insurance is actually pretty sweet considering what I pay for it, but I haven't been taking advantage of it. Think I'm going to schedule a trip to the dentist tomorrow though. I had the craziest nightmare last night where one of my teeth that's felt a little sensitive lately was getting pushed out of my gums and it hurt like hell.

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    Yeah, that's pretty much what happened with my health insurance. I never used it so I just canceled it. I didn't really see the point in paying for something I don't use. I also don't take stupid risks, so I guess that's a big factor.

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    Quote Originally Posted by MisterNi View Post
    Yeah, that's pretty much what happened with my health insurance. I never used it so I just canceled it. I didn't really see the point in paying for something I don't use. I also don't take stupid risks, so I guess that's a big factor.
    Not having insurance IS taking a stupid risk. lol

    I once read somewhere that a very large majority of the bankruptcy's in the US are caused by people who have some sort of health problem and no insurance to cover it.

    Just wait til you develop cancer and get insurance after the fact, sounds like a good idea. Because we all know that healthy people never get unhealthy...lol.

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    Quote Originally Posted by cracka View Post
    Not having insurance IS taking a stupid risk. lol
    Only to retards who think insurance is necessary. Do you also buy extended warranties on everything you purchase?

    I once read somewhere that a very large majority of the bankruptcy's in the US are caused by people who have some sort of health problem and no insurance to cover it.
    Yes. A public and private option would help prevent that.

    Just wait til you develop cancer and get insurance after the fact, sounds like a good idea. Because we all know that healthy people never get unhealthy...lol.
    How about this? Young people don't need insurance unless it's given to them. Old people need insurance because they're falling apart mentally and physically? I don't want to be part of the healthy pool who subsidize medical treatments for the old and sick.

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    Quote Originally Posted by MisterNi View Post
    Quote Originally Posted by cracka View Post
    Not having insurance IS taking a stupid risk. lol
    Only to retards who think insurance is necessary. Do you also buy extended warranties on everything you purchase?
    Well, you also don't die a slow and agonizing death when your iPad goes all wonky.

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    Ok so apparently I'm not allowed to be enrolled in school without health insurance so they made me pay like 1620$ for the school's. I haven't had health insurance in so long so I'm super excited. Cheap prescriptions and birth control here i come
    maybe a saint is just a dead prick with a good publicist
    maybe tommorow's statues are insecure without their foes
    go ask the frog what the scorpion knows

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    Quote Originally Posted by Allie View Post
    Cheap prescriptions here i come
    *jealous*
    Last edited by Wavebury; 10-19-2011 at 03:00 AM.

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    Cheap prescriptions and birth control here i come
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    There's a section below the video that helps you get care when you don't have insurance.

    http://money.msn.com/how-to-budget/v...martPools_OPAB
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    Slippery when wet Simon Ssmall's Avatar
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    Quote Originally Posted by Kim View Post
    Second try. I expanded the options. If you live in the U.S., go straight to options 4-10. If you don't live in the U.S., select from options 1-3. I will post a more specific international poll shortly.



    If your option is missing, please describe in a post.
    I live in a country with universal healthcare and plus I have a private healthcare insurance plan from my eployer
    Looking for an Archnemesis. Willing applicants contact via PM.

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    Quote Originally Posted by Simon Ssmall View Post
    I live in a country with universal healthcare and plus I have a private healthcare insurance plan from my eployer
    e poi che, una fettina di culo?
    Obsequium amicos, veritas odium parit

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