Insurers worry that young people will opt out of health insurance, potentially raising costs

  • Article by: KELLI KENNEDY , Associated Press
  • Updated: July 5, 2013 - 10:24 PM

MIAMI — Dan Lopez rarely gets sick and hasn't been to a doctor in 10 years, so buying health insurance feels like a waste of money.

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theagonybhoJul. 5, 1310:33 AM

FYI not only young people will opt out so will the elderly and middle age. The CBO estimated even after its implemented in 2014 19 million will still be uninsured. Obama also set it up so the first 2 years the penalty for opting out is nothing.

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kraemer1Jul. 5, 1311:01 AM

The young people have always opted out as well as many others "that deem themselves healthy and invinsible". I am over 60 and have been to the doctor 3 times in my life...but, even as a youngstr, I new the value of insurance is not what services you have needed but what the potential care you will need at some point of you life. Let's get this implemented and improve it as we go. Increase the penalty for non-compliance as part of that future fix. We all know that some opt out of auto insurance also....and again, never having any claims toward my auto insurance except for the ocassional windshield, I still know the value of the insurance and have gladly pay my share.

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chuckdancerJul. 5, 1311:27 AM

I think this article did a pretty good job overall but it seems to me that it makes it sound like nobody that is young is covered by employer sponsored health insurance which is far from the truth. Also troubling is the false notion that if you're currently healthy health insurance doesn't benefit you. Every single American operates under the same circumstances; each has no guarantee of good health from one day to the next. Health insurance is a responsibility and the reform is aimed at leveling out affordability so everyone can step up and be responsible for themselves to the best of their abilities.

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gimpyguyJul. 5, 1311:29 AM

The whole point of insurance, particularely health insurance is "just in case." By the attitude of the young man in this article would that mean that "we" wouldn't have to pay if he ends up in the ED because of an accident?

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mauianJul. 5, 13 8:50 PM

chuckdancer, Just wait till Obamacare kicks in, few will be covered under employer sponsored health care. 29 hours is what you can all expect.

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hobie2Jul. 6, 13 8:17 AM

And the alternative is -- yup, you got it... First, since the present insurance system doesn't cover things like breast cancer screenings if you are "at risk", diagnostics, etc. anyway (seriously) until you rack up a huge bill, if then; and second, since today's young adults are not from the "$50 a month for insurance just in case" era and are in the "$500 a month for nothing and let us gouge you and deny, deny, deny" era so the guilt/benefit buy-insurance doesn't work on them - either insurance companies and HMOs lower relative rates back to what they were 30 years ago to regain their protective position and role; status quo where the country goes bankrupt with the economy funding the effects of marginally and non-insured; or it's government-of-the-people run universal health care... It never ever made any sense to give it to the insurance companies, the HMOs or the Doctor-owned corporations and trust that they will reduce their profits to protect the country economically and medically, and we can't fund the mess we have allowed. Time to join the industrialized countries and the 20th century - the dire predictions were wrong - forty to 100 years of UHC has not bankrupt Germany, Scandinavian countries, and the rest of the world while we made out. They were right. We weren't. It's time.

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bootsy07Jul. 6, 13 9:04 AM

Clearly a $3,400 insurance premium for a healthy twenty-something earning $30,000 per year is not compelling. Try living on that after food, rent, taxes and utilities - there isn't 300 bucks per month laying around for Obamacare.

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drichmnJul. 6, 13 9:32 AM

According to the MNSure calculator, if Louis lived in MN he'd be eligible for Medicaid. And that 20 something making $30,000 a year in MN would pay $209 and that's for the higher level of coverage. There will be lower cost option available.

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rmjeffersonJul. 7, 13 9:27 PM

bootsy07 - Anyone making $30K a year doesn't pay taxes. Nevertheless, you are correct - not compelling.

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rmjeffersonJul. 7, 13 9:31 PM

gimpyguy Jul. 5, 13 11:29 AM The whole point of insurance, particularely health insurance is "just in case." - "Just in case" should cover accidental injury, not viagra, birth control, sex change operations and anything else a 30 something isn't likely to need. Therein lies the problem - paying for care you are likely never need.

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