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The Water Cooler
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Surging home insurance costs could force families to leave these 10 states (OK is one)
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<blockquote data-quote="JD8" data-source="post: 4259591" data-attributes="member: 24"><p>If you say you work in healthcare how can you be this naive? or are you doing it on purpose? My last ER visit where I had a blood clot was 40k. Eliquis is ~$600 a month if I paid out of pocket. How much does insulin run a month on cash? I mean, I could go on and on but should I have to? </p><p></p><p>Just in premiums alone. </p><p></p><p><a href="https://www.heritage.org/health-care-reform/report/obamacare-has-doubled-the-cost-individual-health-insurance#:~:text=Obamacare%20Doubled%20the%20Cost%20of,increase)%20from%202013%20to%202019" target="_blank">https://www.heritage.org/health-care-reform/report/obamacare-has-doubled-the-cost-individual-health-insurance#:~:text=Obamacare Doubled the Cost of,increase) from 2013 to 2019</a>.</p><p></p><p>Then again, you may have an income reason for your bias. However, most people understand that Obamacare was garbage and only raised costs, and altered coverage for most, if not deleted coverage. Yeah, let's involve .gov in another aspect of our life. They will "level the playing field" for us!!</p><p></p><p></p><p></p><p>God I wish lol.... but sorry to disappoint. I could assume the same about you I guess? How many people can afford to self insure a family for healthcare? Hell how many times could a normal family pay cash for for just a normal child birth? God help you if anything goes remotely wrong because you'll be paying a LOT more than a mortgage for a family of 4-5. </p><p></p><p>I HAVE however seen more than a few people on this board talk about saving enough money to pay cash for their house. I don't believe they were wealthy but could be? </p><p></p><p></p><p></p><p></p><p>Let's play out your scenario since you think it's so logical and fair. Let's say the government will not allow banks to require insurance to protect their asset. A practice that is extremely common in banking, be it commercial or personal. How many mortgage companies/banks would stop lending you figure? or at the very least tighten lending? How many would provide a basically unsecured loan on a 250-300k house? Now, I wonder if rates would go up as a whole on those that would actually lend? So we would have a much smaller pool to borrow money from with higher rates. Sounds extremely familiar to life after Obamacare eh? </p><p></p><p>History and past experience would tell us that's a more than reasonable assumption. But Oh wait!! .gov will come in and save us! Maybe they will put pressure on the lenders to give us money. Ya know..... "level the playing field" lol. So now we have .gov in mortgage lending.... more than they already are that is.......what could ever go wrong?</p><p></p><p>Let's take that scenario vs....... what happens in the real world currently. State Farm drops you on your insurance renewal for your home. You want the government to save you here, but no help Comrade! You must choose from: </p><p></p><p>AAA</p><p>Allstate</p><p>Farmer's</p><p>Progressive</p><p>SafeCo</p><p>USAA</p><p>Traveler's</p><p>CHUBB</p><p>PURE</p><p>Openly</p><p>Liberty Mutual</p><p>Mercury</p><p>AIG</p><p>Encompass</p><p>Hanover</p><p>Hartford</p><p>National General</p><p>Vault</p><p>Nationwide</p><p></p><p>And wouldn't you know it.....this isn't even a complete list. </p><p></p><p>I wished I had this many choices in my healthcare coverage.</p></blockquote><p></p>
[QUOTE="JD8, post: 4259591, member: 24"] If you say you work in healthcare how can you be this naive? or are you doing it on purpose? My last ER visit where I had a blood clot was 40k. Eliquis is ~$600 a month if I paid out of pocket. How much does insulin run a month on cash? I mean, I could go on and on but should I have to? Just in premiums alone. [URL]https://www.heritage.org/health-care-reform/report/obamacare-has-doubled-the-cost-individual-health-insurance#:~:text=Obamacare%20Doubled%20the%20Cost%20of,increase)%20from%202013%20to%202019[/URL]. Then again, you may have an income reason for your bias. However, most people understand that Obamacare was garbage and only raised costs, and altered coverage for most, if not deleted coverage. Yeah, let's involve .gov in another aspect of our life. They will "level the playing field" for us!! God I wish lol.... but sorry to disappoint. I could assume the same about you I guess? How many people can afford to self insure a family for healthcare? Hell how many times could a normal family pay cash for for just a normal child birth? God help you if anything goes remotely wrong because you'll be paying a LOT more than a mortgage for a family of 4-5. I HAVE however seen more than a few people on this board talk about saving enough money to pay cash for their house. I don't believe they were wealthy but could be? Let's play out your scenario since you think it's so logical and fair. Let's say the government will not allow banks to require insurance to protect their asset. A practice that is extremely common in banking, be it commercial or personal. How many mortgage companies/banks would stop lending you figure? or at the very least tighten lending? How many would provide a basically unsecured loan on a 250-300k house? Now, I wonder if rates would go up as a whole on those that would actually lend? So we would have a much smaller pool to borrow money from with higher rates. Sounds extremely familiar to life after Obamacare eh? History and past experience would tell us that's a more than reasonable assumption. But Oh wait!! .gov will come in and save us! Maybe they will put pressure on the lenders to give us money. Ya know..... "level the playing field" lol. So now we have .gov in mortgage lending.... more than they already are that is.......what could ever go wrong? Let's take that scenario vs....... what happens in the real world currently. State Farm drops you on your insurance renewal for your home. You want the government to save you here, but no help Comrade! You must choose from: AAA Allstate Farmer's Progressive SafeCo USAA Traveler's CHUBB PURE Openly Liberty Mutual Mercury AIG Encompass Hanover Hartford National General Vault Nationwide And wouldn't you know it.....this isn't even a complete list. I wished I had this many choices in my healthcare coverage. [/QUOTE]
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