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You are here: MacNN Forums > Community > MacNN Lounge > Political/War Lounge > Status of the Uninsured Under Obama-Care (Non-Partisan)

Status of the Uninsured Under Obama-Care (Non-Partisan)
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Big Mac
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Mar 25, 2010, 09:44 PM
 
I'm wondering in a non-partisan way about the status of the uninsured under Obama-Care.

Scenario: Joe American is a healthy 30 year-old who is without health insurance by choice. Instead, he decides to pay the IRS fine for going without it. Joe American subsequently gets into a car collision that results in him incurring $50,000 in hospital charges.

Questions: Who pays the bill? How much is Joe responsible for, if anything? How much is the federal government responsible for, if anything? How much is his state responsible for, if anything? And how do you know/find out?

(In short: How does Obama-Care shift the responsibility for medically-necessary charges accrued by the uninsured who are otherwise in compliance with the legislation by paying the IRS fine?
( Last edited by Big Mac; Mar 25, 2010 at 09:51 PM. )

"The natural progress of things is for liberty to yield and government to gain ground." TJ
     
besson3c
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Mar 25, 2010, 10:40 PM
 
I don't know the answer to your question hamburger, but at that point couldn't they just get you to pay for your insurance including back payments? That would be cheaper than the $50,000 for Joe American in that scenario.

Just thinking out-loud. Like I said, I don't have the answer as I haven't researched this yet.

P.S. is it okay if I call you hamburger?
( Last edited by besson3c; Mar 25, 2010 at 10:46 PM. )
     
Big Mac  (op)
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Mar 25, 2010, 11:35 PM
 
Sure it's okay to call me hamburger, as long as I can give you a second nickname too. . . bessie?

The reason why I'm wondering about this is, prior to this legislation the uninsured would get billed for the full amount. Something tells me that's still going to happen, and if the person then goes to get insurance he'll be accepted but his plan will only pay for expenses going forward and not be retroactive. That outcome seems most probable to me, but I wanted to see if anyone else had a better understanding of the effect of the legislation in this regard.

There are some Congressmen claiming that there's some sort of pay-in mechanism to the government in the legislation that gets you covered if you aren't otherwise, but I don't know if they're referring to paying the IRS uninsured fine or doing something else.

"The natural progress of things is for liberty to yield and government to gain ground." TJ
     
Rumor
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Mar 26, 2010, 12:05 AM
 
I am not sure either, but I suppose it wouldn't be much different than it is now. Uninsured use the ER all the time, and when the bill comes they just decide to not pay it. Depending on the severity of the bill, they might even file for bankruptcy.
I like my water with hops, malt, hops, yeast, and hops.
     
Big Mac  (op)
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Mar 26, 2010, 12:18 AM
 
Okay, but paying the IRS fine is supposed to buy some protection from that, or so we're told.

"The natural progress of things is for liberty to yield and government to gain ground." TJ
     
Rumor
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Mar 26, 2010, 01:03 AM
 
I suppose, but you can't get blood from a turnip.
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BadKosh
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Mar 26, 2010, 09:10 AM
 
Many Auto insurance policies do pay for medical care involving a car accident.
     
   
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