At least one person paid it. I had to pay it for the 2016 calendar year for my daughter who was in college. She came off my tricare when she turned 23 in Oct. When I filed my taxes, she had no insurance for three months. Sinse she was my dependent, I got hit with a 600 dollar fine when I filed my 2016 taxes.
So true but providers are getting better and its the advent of cost transparency tools that are forcing their hand.
I have given this example before but think its a great example of how cost transparency tools can help. I needed a MRI, doctor wanted me to use the in house diagnostic center but I wanted to give the Castlight tool a whirl. Within a few minutes I saw that using the in house center the cost to me would be $1400. I did some further reserach and found the alternative provider was using more up to date MRI technology so both from a cost and quality perspective it was better for me to travel an extra 25 minutes and save $1,000.
But we as consumers need to take the initiative to use the tools at our disposal. Many employers give their employees access to these tools and they are some of the most under utiliized.
I don’t think either of us specified, but I was talking about going to a doctor’s office. I’ve been to the emergency room many times and it was I think, more often during working hours due to needing stitches or something from a work related injury. And you can bet that when I go to the ER for stitches, I NEED stitches, and fast lol.
So that’s me. I go to the ER when it’s an emergency. Last time was a severed artery, a nerve and two tendons. Time before that was a sharp object into my thigh muscle. Urgent care clinics don’t handle that stuff, you need a surgeon for those. Another was one that exposed a bit of bone in my fingertip, very serious stuff when a bone is exposed, also NOT for an urgent care clinic. Maybe I’m not a representative example lol.
Just Google ACA hardship exemptions. Easy to find, easy to qualify. The easiest of which is if your lowest priced coverage option would be more than 8.05% of your household income. But as simple as paying your water bill approximately 10-12 days late, getting a shut off notice, and then paying it immediately. Really quite simple to have avoided the tax.
I once went to the ER with a wicked headache. Never was I seen so quickly at an ER. I was whisked away immediately.
Turns out I had meningitis. Fortunately it was viral not bacterial. I was hospitalized for 4 days.
This was before urgent care, so I don’t know if they would tell someone to go immediately to an ER or not.
But the are certainly not set up to do a spinal tap. The first thing they did before that was an CT scan (iirc that’s what it was) to rule out a brain tumor.