As a self employed person, the kind of health coverage I can purchase is full of loopholes, outs and restrictions.
My opinion. NOT participating in health coverage is the kind of civil disobedience required to FIX health care. Obama seems to believe that helping his clients by mandating coverage will fix things, but since his new law prices have skyrocketed.
Regular things like prescriptions, doctors visits, tests etc, should be paid for by individuals. The whole thing should work a lot more like car insurance, where the insurance company only gets involved where a big problem is involved, not for day to day needs.
In the mean time, with the downturn and corresponding increases, we were forced to ditch our coverage.
It is time to separate employment from insurance. Imagine if you were forced to work a W2 job to get groceries at a reasonable cost? Make group coverage available to EVERYONE. My understanding is that under Obamacare self employed will still not get the same coverage wage slaves get…
Think about this. You (or your company) spend $1,500 a month insuring your family ($18,000) a year or $180,000 over ten years. Take the $1500 and invest it even at a very low current rate of return say 2% and you can add another $30,000 or so to the total. That gives you 210,000 every ten years for medical catastrophes. I know the IRS will beat you to death for failure to pay into the insurance racket, but even then you are money ahead!
