A previous post debunking the notion of tens of millions being without medical insurance:
Posted by st francis Oct 7, 2009
46.3 million are uninsured
news.aol.com/article/number-o…surance/664816
nchc.org/facts/coverage.shtml
Here’s a breakdown of those 46M )I rearranged them)
Non-Citizens: This figure of 9.3 million (20.3 percent of the uninsured) includes both legal aliens-many of whom are not eligible for federally-subsidized coverage for five years after their arrival-and undocumented immigrants.
Medicaid Undercount: 6.4 million (14 percent of the 45.7 million uninsured in 2007) were enrolled in Medicaid or SCHIP, but did not report such coverage to the Census Bureau.
Eligible for But Not Enrolled in Government Coverage: An additional 4.3 million (9.4 percent) were eligible for public programs like Medicaid and SCHIP but not enrolled in them. As a 2003 CBO report noted, “Some policy-makers…believe that such people should be regarded as insured, because they can apply for Medicaid when they require care and receive retroactive coverage for their expenses.”
Over Three Times Poverty: Many of these 10.1 million individuals (22.1 percent of the uninsured) may be able to afford coverage, as their incomes are above 300 percent of the federal poverty level ($66,150 for a family of four in 2009), but choose not to purchase such coverage.
“Young Invincibles:” An additional 5 million uninsured (10.9 percent of the total) are aged between 18 and 34; while many likely could purchase coverage at affordable rates, some may choose not to do so-because they feel they do not need it, and/or do not perceive it to be of value to them.
I don’t know enough about the first category listed here to comment, but they are 20% of the uninsured.
We have an additional 25% who are either on or eligible for Medicaid.
Ten percent are the young, who are presumed pto choose not to be covered because they feel invincible and want to buy I-Pods instead. And the last 22% are those who are not eligible for government aid, but who are not covered elsewhere.
So that’s 15 million people, or one-third of the original estimate of Americans without insurance who are actually without health coverage.
First of all, some of them do not have coverage because they are currently unemployed. In this difficult economic time, they may have chosen to save their money rather than spend it on COBRA (which can be terrifically expensive) so that they can feed their family longer if it takes a while to find a job.
Another set is self-employed and have decided not to pay for coverage for various reasons: uneven compensation, high rates due to pre-existing conditions, inability to obtain due to pre-existing conditions, and, despite being 300% over the poverty level, maybe not being able to afford it due to any number of things such as student loans to pay back, child support payments, etc.
And there are probably those who choose not to buy because insurance is a gamble–a gamble that you will get sick. If they perceive their chances of getting sick as being very low, then they may decide to pass on the offer, the same way I don’t play the lottery.
Quote:
If we are pro life - we are pro health care / health coverage reform -
Per the USCCB
There are simple things which could be done to aid those who are not currently covered or eligible for the aid given to those in poverty. One is to break the bond between employment and insurance–that is just crazy. People should be able to have medical accounts which would be taken off their taxes. Right now, the tax system favors the employer-provided model because those payments are considered expenses and the money used for them is not taxed. However, those who pay their own premiums are paying from income which has already been taxed. Evening out this inequity by allowing premium payments to not be counted as taxable income would help those in this situation, as would a system similar to the EIC whereby some would get an actual credit for what they have paid out.
For those with pre-existing conditions, the current programs could be expanded to cover them as well, or the EIC–like system above could help them out.
There is really no need to turn our whole system inside out just because 5% of the people here have no insurance and are ineligible for government assistance.