Trump restores health care option Obamma took away

[reflechissez]

@RTchoke

@lulubee

“Liability for Bodily Injury – The minimum coverage for bodily injury varies by state and may be as low as $10,000 per person or $20,000 per accident. Many auto policies stop at a maximum of $300,000 or $500,000 per accident for Liability coverage. If you injure someone with your car, you could be sued for a lot of money. The amount of Liability coverage you carry should be high enough to protect your assets in the event of an accident. Most experts recommend a limit of at least $100,000/$300,000, but that may not be enough. This is no place for cheap auto insurance. If you have a million-dollar house, you could lose it in a lawsuit if your insurance coverage is insufficient. You can get additional coverage with a Personal Umbrella or Personal Excess Liability policy. The greater the value of your assets, the more you stand to lose, so you need to buy liability insurance appropriate to the value of your assets.“

How Much Auto Insurance Coverage Do I Need?

That can be true of any policy you buy. Including the rest of them from your link.

And…?

[RTchoke]

and what? you both act as if with liability only nothing is going to be covered in regards to the other person and their property. That is false.

It is also false that other policies will cover everything and you have no chance of being sued.

[Snow96]

Varies by state on what “exempt” property is . . .

Exempt Property

Utah’s list of exemp property from civil judgement

[reflechissez]

@Snow96

Think OJ simpson.

It’s call exempt property

OJ was able to protect his pension. What is your source for the inability to attach one’s other assets in a civil suit?

[Snow96]

Exempt Property

varies by state

Then there are also property that is covered under federal law in regards to civil cases as well.

[Munimula1]

Too bad about those pre-existing conditions disappearing, though. Bloomberg - Are you a robot?

[Munimula1]

@Snow96

question is:

Should she have the option?

As long as she promises never to go to the ER without a wad of cash, sure. Enjoy that option.

[lulubee]

Far be it for me to tell you how to protect yourself and your family’s financial well being. But I guess when one has very little in the way of assets to protect, you don’t need any extra protection,

[RTchoke]

@lulubee

Far be it for me to tell you how to protect yourself and your family’s financial well being. But I guess when one has very little in the way of assets to protect, you don’t need any extra protection,

Rude.

10 char

[Snow96]

Very far. It should also be very far from the government to tell me as well.

[zantax]

@lulubee

@Snow96

@Excast

and are essentially useless.

That’s the part I’m questioning.

So say my Daughter moves to next summer to continue her education. She’s on my health plan till she turns 25 (still 3 more years). But my health insurance won’t cover a damn thing in the state she is moving to. So say she gets one of the “short term plans” – she’s young, healther. Say it saves her money on her premium. Say she gets an annual physical once a year that isn’t fully paid (co pay and she pays the rest).

Is it worthless to my daughter?

Probably not. There might be thousands who fall into the same situation. One size doesn’t fit all. But that’s what the affordable care act does. You WILL get a plan that covers everything, you will NOT have any other options other than full coverage.

25?

ACA require plans to have kids on parents health insurance until age 26.

Hopefully, by age 26 your daughter will have a job with employer health insurance.

Every university also offers health insurance plans for students as having insurance is required. I’d be surprised if they even will accept these short term don’t cover anything plans as being covered.

I wouldn’t let my kid buy one of those crap policies. They are good for nothing. If my kid couldn’t afford to purchase proper health insurance, I’d pay for it.

■■■■ happens to even those who are young and healthy.

It’s been great for my kid to be on our insurance (he’ll be on it until August 2019 when he turns 26.) He takes the money saved and puts it in his 401k. He’ll still be able to put money into that once he’s on his employer’s insurance as he’s making quite a bit more than when he first got out of college.

I’m thrilled ACA required plans to cover kids until age 26.

You could always keep your kids on your healthcare plan as long as you liked, you just had to pay for it instead of spreading the cost among the people who didn’t have kids.

[reflechissez]

@zantax

@lulubee

@Snow96

@Excast

and are essentially useless.

That’s the part I’m questioning.

So say my Daughter moves to next summer to continue her education. She’s on my health plan till she turns 25 (still 3 more years). But my health insurance won’t cover a damn thing in the state she is moving to. So say she gets one of the “short term plans” – she’s young, healther. Say it saves her money on her premium. Say she gets an annual physical once a year that isn’t fully paid (co pay and she pays the rest).

Is it worthless to my daughter?

Probably not. There might be thousands who fall into the same situation. One size doesn’t fit all. But that’s what the affordable care act does. You WILL get a plan that covers everything, you will NOT have any other options other than full coverage.

25?

ACA require plans to have kids on parents health insurance until age 26.

Hopefully, by age 26 your daughter will have a job with employer health insurance.

Every university also offers health insurance plans for students as having insurance is required. I’d be surprised if they even will accept these short term don’t cover anything plans as being covered.

I wouldn’t let my kid buy one of those crap policies. They are good for nothing. If my kid couldn’t afford to purchase proper health insurance, I’d pay for it.

■■■■ happens to even those who are young and healthy.

It’s been great for my kid to be on our insurance (he’ll be on it until August 2019 when he turns 26.) He takes the money saved and puts it in his 401k. He’ll still be able to put money into that once he’s on his employer’s insurance as he’s making quite a bit more than when he first got out of college.

I’m thrilled ACA required plans to cover kids until age 26.

You could always keep your kids on your healthcare plan as long as you liked, you just had to pay for it instead of spreading the cost among the people who didn’t have kids.

If you had subsidized group health insurance, I don’t think you could just plop your adult children onto it.

[Camp]

Well said!!

[Klaxton]

@zantax

You could always keep your kids on your healthcare plan as long as you liked, you just had to pay for it instead of spreading the cost among the people who didn’t have kids.

lol - look at you projecting your cheapness onto us folks without kids. I don’t mind paying some for his boy at all. Although I hadn’t even noticed that I was.

[biggestal99]

It’s insane that trump is allowing bad health insurance to be sold.

1800 doesn’t even cover one months premiums of good health insurance.

It’s the government job to protect people and in this case they are failing.

Sorry snow, need to protect the citizens from bad insurance.

It why we don’t have payday loan stores in jersey.

To protect the citizens from themselves.

Allan

[zantax]

@reflechissez

@zantax

@lulubee

@Snow96

@Excast

and are essentially useless.

That’s the part I’m questioning.

So say my Daughter moves to next summer to continue her education. She’s on my health plan till she turns 25 (still 3 more years). But my health insurance won’t cover a damn thing in the state she is moving to. So say she gets one of the “short term plans” – she’s young, healther. Say it saves her money on her premium. Say she gets an annual physical once a year that isn’t fully paid (co pay and she pays the rest).

Is it worthless to my daughter?

Probably not. There might be thousands who fall into the same situation. One size doesn’t fit all. But that’s what the affordable care act does. You WILL get a plan that covers everything, you will NOT have any other options other than full coverage.

25?

ACA require plans to have kids on parents health insurance until age 26.

Hopefully, by age 26 your daughter will have a job with employer health insurance.

Every university also offers health insurance plans for students as having insurance is required. I’d be surprised if they even will accept these short term don’t cover anything plans as being covered.

I wouldn’t let my kid buy one of those crap policies. They are good for nothing. If my kid couldn’t afford to purchase proper health insurance, I’d pay for it.

■■■■ happens to even those who are young and healthy.

It’s been great for my kid to be on our insurance (he’ll be on it until August 2019 when he turns 26.) He takes the money saved and puts it in his 401k. He’ll still be able to put money into that once he’s on his employer’s insurance as he’s making quite a bit more than when he first got out of college.

I’m thrilled ACA required plans to cover kids until age 26.

You could always keep your kids on your healthcare plan as long as you liked, you just had to pay for it instead of spreading the cost among the people who didn’t have kids.

If you had subsidized group health insurance, I don’t think you could just plop your adult children onto it.

Of course you could, insurance companies would always sell you coverage for as many people as you cared to insure, you just had to pay for it.

[zantax]

@biggestal99

It’s insane that trump is allowing bad health insurance to be sold.

1800 doesn’t even cover one months premiums of good health insurance.

It’s the government job to protect people and in this case they are failing.

Sorry snow, need to protect the citizens from bad insurance.

It why we don’t have payday loan stores in jersey.

To protect the citizens from themselves.

Allan

Can you point me to “protect people from themselves” as an enumerated power of the federal government in the constitution or anywhere in the debate in it’s adoption?

[zantax]

@Klaxton

@zantax

You could always keep your kids on your healthcare plan as long as you liked, you just had to pay for it instead of spreading the cost among the people who didn’t have kids.

lol - look at you projecting your cheapness onto us folks without kids. I don’t mind paying some for his boy at all. Although I hadn’t even noticed that I was.

Hilarious, so it’s cheapness not to want to be forced to pay for the health care of other people’s kids, even when in some cases their parents make more money than I do?

[biggestal99]

@zantax

Can you point me to “protect people from themselves” as an enumerated power of the federal government in the constitution or anywhere in the debate in it’s adoption?

Its common sense as pointed out by many here.

Many federal agencies protect the dumb masses.

remember Fen-fen.

People would still be taking and dying it if it were not for the FDA.

how bout heroin? Or cocaine? or methyl alcohol, for human consumption?

how bout govt regulation of how much pollutant go into the air or for heavens sake, the clean water act.

we regulate things all the time for the benefit of the unwashed masses, who dont know any better.

Allan

[zantax]

@biggestal99

@zantax

Can you point me to “protect people from themselves” as an enumerated power of the federal government in the constitution or anywhere in the debate in it’s adoption?

Its common sense as pointed out by many here.

Many federal agencies protect the dumb masses.

remember Fen-fen.

People would still be taking and dying it if it were not for the FDA.

how bout heroin? Or cocaine? or methyl alcohol, for human consumption?

how bout govt regulation of how much pollutant go into the air or for heavens sake, the clean water act.

we regulate things all the time for the benefit of the unwashed masses, who dont know any better.

Allan

“Common sense” is in no way a reference to an enumerated power granted to the federal government to “protect people from themselves”. Nor is a policy that does not cover things I have no need to be insured against a faulty or dangerous product I need protection from. As an example, being in our late fifties, we have no need to be insured against pregnancy. Or against addiction for that matter.