MemberSince99 wrote:Dude, if you are in good enough financial shape that you can afford to pay the full cost of your insurance on your own, especially with Owebamacare in force, then congratulations to you. Most people can't...
You sound like one of those liberals who feels like he's in a position to judge what everyone else can and should pay.
Part of being a responsible grown-up is having a backup plan for contingencies like losing your job, getting sick or disabled, and so forth. Medical insurance covers most expenses, though understandably not all. Everyone should have savings to cover deductibles and copays. Short and long term disability insurance is available to cover most disabilities. LTD is actually rather cheap because we have a government program (a part of SS) that covers everyone. STD is expensive but unnecessary after on saves up an emergency fund to cover 6 months expenses. Unemployment insurance is also mandated in every state. Employers pay into that.
And you've got it backwards. Conservatives are the ones who want to cut off all the safety net programs and then judge people for being poor.
The reality is that many people, myself included, have always thought about these things and planned accordingly. I have lots of money now and have lots of toys. But when I was younger and had a great job I could not afford new cars, cable TV, and many other toys. I did however pay for health insurance including forking out a huge amount per month at one point when I lost my insurance because I changed jobs. I have never had to rely on any government programs but they were also there if things got really bad.
It's not rocket science. It just takes some planning ahead and saving when times are good.
I am neither liberal nor conservative. I agree with the conservatives who think we need to cut government spending and eliminate a lot of safety net programs that are abused. Yet I agree with liberals who think we need those programs for the truly destitute. My solution would be that the government programs exist but people must work for their handouts. I think you'd find that is a fairly far right view. I am not offended at being called a liberal but I do not think it is even close to accurate.