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What I'm asking is...why do people need to get in over their heads first? Let's face it -- most of the time, people get in over their heads because they're uninsured or underinsured, or because they get hurt or sick and lose their job and their insurance goes with it, or their insurance company simply drops them for being too costly, or because they lose coverage with one company and can't find coverage with another on account of some kind of pre-existing condition, etc..
What I'm suggesting is that, instead of doing nothing until people get in over their heads and lose everything, why can't we allow people to buy into programs like medicare, medicaid, CHIPs, and so forth -- the ones who cover those types of people anyway -- thereby infusing those already-underwater programs with cash from
healthy people with money, while at the same time affording people the stability that comes with removing the weird, arbitrary link between full-time employment and health insurance?
Not to mention...if you're paying premiums, it's not really "government assistance" is it? It's just another healthcare plan that doesn't happen to be tied to employment and is therefore not gonna get yanked if a person actually gets really sick, loses a job, etc..
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I won't go into charities too much because it would surely get this thread locked, but suffice it to say that there are charities out there -- big, well-known charities -- who refuse to treat certain groups of people.
For the most part, they're good...but I don't think they're the solution this country needs right now.
JMHO, though..