"Stormin Mormon" wrote in message
...
Much the same with health care in NYS. They passed some kind
of "universal insurance" thing that forced the companies to
insure everyone. So, the insurance companies pulled out of
NYS. Of course, it would never occur to legislators to
return some freedoms to the citizens.

--
Christopher A. Young
Learn more about Jesus
www.lds.org
.


"HeyBub" wrote in message
m...

Yep. It wasn't the LACK of regulation, it was too much of
the WRONG KIND of
regulation. Specifically the requirements that lending
institutions serve
"underserved" areas.

Cruise through the worst parts of your town. You'll find a
Bank of America
branch sandwiched between a pawn shop and a Stop-&-Rob in
neighborhoods
where the only other retail businesses on the street are
hookers and crack
dealers. Do you think BoA or Wachovia or Washington Mutual
opened those
branches because of rational business decisions?

No they didn't! I live in NY and no insurance company is required to insure
every/anyone. What NY did was to require that all insurance be an "HMO or
all-inclusive" insurance. That means that I, as a self-employed person with
no employees am not legally allowed to purchase JUST catastrophic health
coverage. I MUST purchase full-boat HMO-style coverage or none at all. Since
I only see a doctor when something (blood, bone, etc.) is sticking out, I
refuse to pay 35% of my gross income for "insurance" which I will never,
ever use. The cheapest insurance I can find is 35% of my gross income with a
$2K yearly deductible. In the past 10 years I've spent a total of $1500 on
healthcare. Since I pay 100% of my own healthcare costs I haven't cost the
taxpayers a single penny, either.

I'm in my 50s, childfree (had a tubal at 25), and completely healthy, with
no family history of ANYTHING except one grandfather who got lung cancer
from smoking. I work out everyday, I am a non-smoker, am a healthy weight,
etc., but because I'm still considered "childbearing" my insurance quotes
are through the ceiling. Now the gubmint is going to tax me for not buying
insurance. Great, fine, they'll ding me an extra $1k for not being insured.
I would be insured if I could afford it, but now they'll take my fine money
and use it for some breeder with too many kids. Perfect.

All I want to do is to buy into Medicare. I'm willing to pay THE TOTAL
amount I cost (no gubmint subsidy) to be insured, but it's not allowed.
What's up with that?