Sorry...GTS. If you still plan on making money here in 'merica...and thus pay taxes. The ACA is getting at least one dime from you.

(10-24-2014 02:30 PM)georgia_tech_swagger Wrote:  

(10-22-2014 08:40 PM)G-Man Wrote:  

(10-01-2014 09:57 AM)georgia_tech_swagger Wrote:  The employer mandate is comin' home to roost. Bend over and prepare yourself for the world I've enjoyed as an individual buyer.

At the end of this year I'm going to get a total extensive physical with full extensive bloodwork and sock it to CIGNA for anything and everything I might need. I will then pull the plug on CIGNA and go to Liberty Healthshare and use a local physicians group that refuses ALL insurance and escape ObamaCare that way. With Liberty Healthshare I can simply submit my medical bills for reimbursement. It is the total government free healthcare solution.

So why aren't you answering the question I posed, whether it's okay for you as an Atheist, to join a "share" program that is meant for Christians only?

You disdain insurance companies for ripping you off. But if you join this then aren't you going to have to deceive (rip-off) the other members, to join? Unless you really are a Christian-- but you're not, right?

Here is a section directly from the FAQs for "members" of this Liberty Healthshare program:

5: Is there a health screening required for membership approval?

Members highly value the spiritual principle that our bodies are gifts from God and we must respect and care for our physical bodies. Further, we have an ethical obligation to our fellow members to live healthy as this keeps medical costs down. As a community of people we try our best to live out Jesus Christ's mandates. In general, a healthy lifestyle requirement includes, but is not limited to, the following:

Abstain from tobacco use in any form.
Follow biblical teachings on the use or abuse of alcohol.
Avoid abuse of prescription drugs, which means consuming prescription medications in a manner not intended by the prescriber that would likely result in bodily harm or dependency.
Abstain from the use of illegal drugs. Illegal drugs includes, but is not limited to, any hallucinogenic substance, barbiturates, amphetamines, cocaine, heroin, marijuana, illegal intravenous drugs, or narcotics.

Seriously GTS, are you still going to join this like you said you were?

I feel myself converting to Christianity just long enough to join. If ObamaCare survives round 2 at SCOTUS. I don't think you fully appreciate just how deep my disdain for ObamaCare is. Particularly given how I am the center of the Venn Diagram of screwed demographics: single, white, male, under 30, self-employed, buying on the individual market for just myself. That sentence translates simply as "****ED" in ObamaCare land. And yea, it totally sucks I have to agree to things I feel pretty strongly against to join that healthshare. But I feel even more strongly against everything ObamaCare stands for, much less how it was implemented.

If I agree with your assessment that the health sharing companies are fiscally unsustainable then I'll simply drop out of the insurance market altogether and file the IRS hardship form (which is loophole you could drive a Panamax tanker through) and still avoid paying a dime to ObamaCare as I won't have to pay the penalty.

I mean it quite seriously when I say over my dead body will ObamaCare get a single dime from me.

IMO, you should consider looking into a short term health insurance policy through United Health One (used to be known as Golden Rule) or Assurant Health, or if you live in an area with short term policies through BCBS organizations (not sure if you live in SC like your location indicates, but I've go no idea which insurers might offer short term policies there, if so).

You're still rated based on being single, male and under 30.

They pay nothing for pre-existing conditions, but if you're healthy you don't need that. They cover you only for new health problems, and are no frills. Typically you have a deductible, then pay coinsurance, and have a million or two million dollar maximum benefit. They always were policies people could buy between jobs or as a student. And they're still around.

And they are NOT ACA compliant, although they afford decent protection, BECAUSE if you have a health problem between now and next open enrollment period, you simply enroll in Obamacare when needed.

So the strategy is buy an insurance plan that would keep you from declaring bankruptcy if you really do have some major health problem happen, but save a lot of money by not having it pay for pre-existing conditions, or maternity coverage when you can't get pregnant, like Obamacare requires (and is one of the reasons why it's not ACA compliant, along with the fact it still requires medical underwriting).

And you get to maintain your self-respect because you don't have to pretend you're a Christian when you're not. (Which is kinda like what you don't like about insurance companies-- they don't show the integrity you want. So why be like them, right?)

Bottom line is short term policies are a lot less expensive, offer only basic coverage with no frills, but actually still afford true insurance protection, AND are not Obamacare. But if you ever NEED Obamacare (i.e., you get cancer or something like), you have immediate coverage through the short term plan (that will eventually expire but keep you covered until you want Obamacare to take over) and can switch to Obamacare and enroll and pre existing conditions will be covered during an open enrollment period.

In other words, it lets you game the system. You only enroll in Obmacare if you get sick/injured with some serious problem if/when its to your advantage.

Here's a link to see if it's something you'd be interested in: http://www.ehealthinsurance.com/south-ca...short-term

My guess is you could get rates here then buy at the same rate through a local agent (which gives you better service if you actually have a claim) at the same price either way.