IF the individual mandate simply required everyone to have insurance from a private company, then you might see competition for cheaper plans. But , it basically says "if you cant afford it, you can buy it from the govt aka medicade" .
or you pay a 2.5% of income fine.
I just went to the doctor as ive been sick last 3 days. I have insurance but its not very good so usually colds and stuff i just go to CVC minute Clinics. Well i walked in an had strep throat, $116 dollars later i had antibiotics and walked out the door.
To be honest, id rather pay the $116 and be done than make an appt at my Dr office because i have to wait, make an appt, they always are late, then i have to see his Nurse, then the mid nurse, then i finally see the DR, etc.
Minute Clinic im in and out , so much more efficient. I dont go to the dr unless its something really really bad like I fractured my tibia (8 weeks ago :P)
So, get insurance that covers MAJOR problems like broken bones, sprains, tendon tears, surgery, etc. Any small things just pay cash and go to the Minute clinics.
Considering i paid $116 to go to the Dr. ONCE in the last 3 years for a cold vs paying $150 a month for the same insurance coverage................




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