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Gormy Cuss

(30,884 posts)

18. However, if you know that you can't afford the higher premium, your choice is gone.

Reply to NYC_SKP (Reply #16)

Mon Nov 25, 2013, 01:04 PM

Nov 2013

That's why financially strapped individuals make seemingly unsound financial choices -- because they don't have the luxury of making the "better" choice. If all you have this month is $80, you can't choose to spend $100. It's a sound decision to risk having more out-of-pocket expenses should you happen to get sick. You'll deal that problem when and if it happens (payday loan, anyone?)

Now for someone who can afford the higher cost plans, looking at all of the costs associated with each level before choosing is prudent.

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Obamacare horror story debunked by Seattle Times columnist [View all] Galraedia Nov 2013 OP

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Single-payer. blackspade Nov 2013 #10

ACA = Ghouls subsidized to batten on death & disease bread_and_roses Nov 2013 #11

Chosing the Bronze plan because "you can't afford anything better" would be a mistake. NYC_SKP Nov 2013 #12

So ... "lower income people don't know how to make sound financial decisions" eh? bread_and_roses Nov 2013 #13

Payday loans are never a good idea, quit trying to defend decisions to use them. NYC_SKP Nov 2013 #14

"Let them have Bronze ..." bread_and_roses Nov 2013 #20

Choosing the bronze plan because you can't afford the others is not a mistake. Gormy Cuss Nov 2013 #15

Clarification that should have been obvious: "Monthly premium should not the only criterion." NYC_SKP Nov 2013 #16

However, if you know that you can't afford the higher premium, your choice is gone. Gormy Cuss Nov 2013 #18

All true, but please note the context of my first reply and the reply to which I am responding. NYC_SKP Nov 2013 #19

Lots of people making less than $49,000 would LOVE to be able to buy insurance for only $237 geek tragedy Nov 2013 #17

Thank you, Galraedia! Cha Nov 2013 #21