I feel awful for those people with pre existing conditions who are currently unable to get medical insurance. I do think the American healthcare system is broken and desperately needs attention. However, I don't feel like forcing me, a healthy 25 year old, to pay into the insurance pool so that people with pre existing conditions can afford insurance is fair. I'm basing my perception of the ACA individual mandate on various posts and articles I've read like this one gt At its very very simplest, it creates a risk cost analysis that, without it, would otherwise make it cost prohibitive for companies to insure certain lots of people. This is why, when you hear critiques of the mandate beyond Constitutionality, they're couched in terms of healthy supporting the sick or young supporting the old who are more likely to become sick. The people who are less likely to buy health insurance usually healthy, young people are necessary to the government's model of pooling risk for creating affordable health insurance. The reason I disagree with this so strongly is that medical insurance companies are still private, profit driven entities. The ACA grants them 25 million new customers and has provisions to guarantee they can stay staggeringly profitable . I don't agree that the federal government should force me to do business with a private corporation, and I don't agree that I should have to subsidize everyone else's rates so that the corporation can make a profit. There is already a system in place to generate revenue for the commons taxation. I fail to see the difference between the ACA and a new tax, other than the fact that a third party is now pocketing as much profit as they can possibly get away with, which makes the tax less efficient. If the federal government raised taxes in order to implement public healthcare, I would be all for it. If this was simply a public healthcare fund, I would be proud to pay taxes and subsidize the sick, poor, and needy. I'm healthy and working, and I'm happy to be a contributing and productive citizen. On the other hand, I don't have a lot of money to spare. Before anyone brings it up, I'm aware of the medical loss ratio the provision that states that 80 of subscriber premiums must go to medical care. If anything, this just proves my point We could be saving money, if the insurance companies didn't take their 20 cut. TLDR Obamacare is the biggest corporate handout since the bailout, and we should be working out how to dissolve health insurance companies, not cementing their place in society .
Obamacare is Inefficient and Extremely Unfair to Healthy People -