The big flaw in the Insurance Mandate

The big flaw in the Insurance Mandate

PostBy: Richard S. On: Wed Apr 07, 2010 7:00 am

Everyone knows about the mandate, and everyone knows about the insurance company no longer being able to deny you coverage. You cannot force the insurance company to cover everyone without the mandate because someone could simply wait until they got sick to get insurance. It would be like waiting until you were in accident to get car insurance.

According to the IRS commisioner, other than Tax refunds they have no way of enforcing this.

http://dailycaller.com/2010/04/05/irs-c ... ax-refund/

Speaking at the National Press Club on Monday, Shulman downplayed the IRS’s role in enforcing the recent overhaul of the health insurance industry by claiming the agency would not aggressively target individuals who don’t purchase coverage. He noted that the health-care bill expressly forbids the agency from freezing bank accounts, seizing assets or pursuing criminal charges, but when pressed said the IRS would most likely use tax refund offsets to penalize those that don’t comply with the mandate. The IRS uses refund offsets to collect from individuals that owe the federal government a delinquent debt.


How long before people realize they can just wait until they need insurance to go buy it? You know damn well if the system can be gamed people are going to take advantage of it and this loophole will allow people to not get coverage or even drop their existing coverage if they please.
Richard S.
 
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Re: The big flaw in the Insurance Mandate

PostBy: Black_And_Blue On: Wed Apr 07, 2010 7:44 am

It had been, is and always will be about revenue.

Health care overhaul spawns mass confusion for public
"They're saying, 'Where do we get the free Obama care, and how do I sign up for that?'


Fools, looters and moochers.


ETA : link http://www.mcclatchydc.com/2010/04/06/91696/health-care-overhaul-spawns-mass.html
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Re: The big flaw in the Insurance Mandate

PostBy: Wood'nCoal On: Wed Apr 07, 2010 7:45 am

Why doesn't this surprise me?
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Re: The big flaw in the Insurance Mandate

PostBy: jpete On: Wed Apr 07, 2010 8:34 am

That was already figured out a long time ago. We've had mandatory car insurance here for years yet some how, I'm still paying for uninsured motorist coverage.

Why?

Because of all the people that sign up for insurance, write the policy information on their auto registration then cancel the insurance. It's so easy to game the system.
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Re: The big flaw in the Insurance Mandate

PostBy: Freddy On: Wed Apr 07, 2010 8:46 am

jpete wrote:people that sign up for insurance, write the policy information on their auto registration then cancel the insurance.


In MA & ME if you cancel your insurance the state is notified and your registration is yanked. Now you're driving with no registration. I'm sure some do it, but it gets expensive if you get caught.
For years now my insurance runs out 2 weeks after I register. I wonder if I let it lapse....is it the same as canceling?
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Re: The big flaw in the Insurance Mandate

PostBy: CapeCoaler On: Wed Apr 07, 2010 9:05 am

But there is no real penalty if you do get caught without insurance or registration...
So they yank your license to drive...
But that does not stop you from driving...
The car does not care if it is licensed/insured/registered it still starts with the turn of a key...
Only when there is a big accident or DWI does this come to light...
And in MA until you get past 5 DWI convictions they just keep letting you drive...
Mandatory Health Insurance will be the same...
Always some way to game the System...
They are still required to treat you at the ER...
With or without insurance...
CapeCoaler
 
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Re: The big flaw in the Insurance Mandate

PostBy: jpete On: Wed Apr 07, 2010 9:34 am

Freddy wrote:
jpete wrote:people that sign up for insurance, write the policy information on their auto registration then cancel the insurance.


In MA & ME if you cancel your insurance the state is notified and your registration is yanked. Now you're driving with no registration. I'm sure some do it, but it gets expensive if you get caught.
For years now my insurance runs out 2 weeks after I register. I wonder if I let it lapse....is it the same as canceling?

RI politicians are too busy lining their own pockets the have a system like that in place.

They are just now getting a computer system that one might call "integrated". It remains to be seen what the reality between claims and actual fact are. It think they are finally realizing all the money they are letting slip through their fingers and are finally taking steps to capture them.
jpete
 
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Re: The big flaw in the Insurance Mandate

PostBy: Yanche On: Wed Apr 07, 2010 9:37 am

In MD if you cancel your insurance or it lapses because of non-payment the Dept of Motor Vehicles (DMV) is notified by the insurance company. You then get DMV notice of violation and a kind request for an explanation. You have to appear in person to appeal. The fine is costly and all registrations in your name are canceled. You cannot get your tags the next registration cycle. While some may game the system it doesn't last for long.

As for how it might work for health insurance it's unknown. State insurance commissions will have to set the rules. Perhaps unlike now, medical service providers will be able to deny service if you don't have insurance. .
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Re: The big flaw in the Insurance Mandate

PostBy: CapeCoaler On: Wed Apr 07, 2010 11:13 am

Make a fake inspection sticker...
Attach stolen plates or run repair plates...
Fail to pay the fines...
Until they jail the person they will continue to drive illegally...
The same applies to Health Insurance...
Until they are jailed they will continue to go without insurance if they choose to...
CapeCoaler
 
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Re: The big flaw in the Insurance Mandate

PostBy: lowfog01 On: Wed Apr 07, 2010 11:26 am

Richard S. wrote:How long before people realize they can just wait until they need insurance to go buy it? You know damn well if the system can be gamed people are going to take advantage of it and this loophole will allow people to not get coverage or even drop their existing coverage if they please.


Apparently, there was an editorial on this yesterday in the Boston Globe. The article documents that this is what is happening in MA. I tried to find it but the Boston Globe website was not user friendly and you had to have a subscription to access it. The loop hole is adding huge amounts of cost to the premiums of everybody else. If anyone is interested enough to look and happens to be able to access this editorial please post the link. Lisa
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Re: The big flaw in the Insurance Mandate

PostBy: jpete On: Wed Apr 07, 2010 11:36 am

Is this it? Might not show up right, this is the link for my cell phone.

http://mobile.boston.com/art/35/busines ... /?single=1
jpete
 
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Re: The big flaw in the Insurance Mandate

PostBy: titleist1 On: Wed Apr 07, 2010 11:42 am

Yanche wrote:In MD if you cancel your insurance or it lapses because of non-payment the Dept of Motor Vehicles (DMV) is notified by the insurance company. You then get DMV notice of violation and a kind request for an explanation. You have to appear in person to appeal. The fine is costly and all registrations in your name are canceled. You cannot get your tags the next registration cycle. While some may game the system it doesn't last for long .


How many un-insured un-registered vehicles do you think are operating in Baltimore right now?! They keep gaming the system, stolen tags, fake registration, etc. etc....

Health care will be the same game. People will figure out how to do it.

One of the things that I think is the biggest flaw of the whole healthcare thing is the marketing of the preventive care aspect. Trumpeting how much money will be saved on preventive care rather than waiting to treat a developed illness. Well that all depends on the people actually getting off their large posteriors and seeking preventive care.

People have always had access to preventive care....it's called eating right and exercising. Obesity (and its complications like diabetes) and heart disease are the top health issues and both can be minimized with preventive care that has always been available....eating right and exercising, but few do it. Now we are depending on all these same people to get themselves to a doc and follow his/her instructions for healthy living.....good luck with that. Good luck getting people to head to the doc for early testing and treatment of other diseases also. If the doc showed up at their house and gave the test while they're sitting on their couch maybe they would have it done. As you can tell I have no faith in the masses since there is no financial incentive for them to hold up their end of the bargain.
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Re: The big flaw in the Insurance Mandate

PostBy: CapeCoaler On: Wed Apr 07, 2010 10:36 pm

But then the camel's nose is now under the tent...
Sugar tax, fat tax, junk food tax...
BMI tax...
Now that you have this insurance, you must weigh in...
Unhealthy tax...
Mandated exercise...
Slippery slope we have begun to travel...
CapeCoaler
 
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Re: The big flaw in the Insurance Mandate

PostBy: spc On: Thu Apr 08, 2010 8:39 am

Its a moot point,

Rep. Debbie Wasserman Schultz (D.-Fla.) said this, “We actually have not required in this law that you carry health insurance,”

Video:
http://www.eyeblast.tv/public/checker.aspx?v=XdkU6UaGaG

Or, did she just lie fib to her constituents?
spc
 
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