Если это сарказм - то я эго не поняла.
Большинство, тех, у кого нет страховки вполне могут её себе позволить - просто не считают нужным, потому как не будет оных на сигареты, блант и судафед.
Eto nepravda.
Bolshinstvo ne imeet straxovki potomu chto ne mogut sebe pozvolit’ platit premiums.
Esli ti perebolel chem-to chto v buduschem mozhet recurrence, u tebja nulevie shansi poluchit’ straxovku samostojatelno, eto vozmozhno, if any, tolko cherez employera.
BTW, tot fakt chto kto-to ne straxuetsja dobrovolno a potom pitaetsja abuse system - otlichnaja prichina chtobi sdelat’ insurance mandatory.
Car insurance tozhe ne vse xotjat pokupat’, imenno poetomu ee sdelali mandatory. Poluchaetsja chto property cenitsja bolshe chem health, i eto v korne neverno.
Если делать insurance mandatory, то надо предусматривать высылку тех, кто не является гражданами, но её не имеет … вот веселья будет 
, а гражданам - включать стоимость обязательной страховки в налоговые отчисления из зарплаты (ой … где-то я это уже слышал)
:sensor:
Конечно, после потраченых денег на “излишества”, на страховку не останется.
runner, откуда информация, что это “неправда”?
Вы, кстати, интересовались, почему количество курильщиков уменьшается, а незастрахованных - нет - бросают в большеинстве случаев образованные люди, со старховкой изначально, процент курильщиков из “необразованных” слоев остается на прежнем уровне. (это есть на [cdc] - ссылка выше).
господин runner в другой теме уже отписывался, что это проблемы нелегалов, а не системы 
Nichego takogo ne nado, eto vse vashi vidumki. V drugix zapadnix stranax negrazhdane mogut pokupat’, a mogut sami platit’.
Vot rapsredelenie uninsured po doxodam:
http://covertheuninsured.org/content/quick-facts-uninsured
Tam est’ i drugie grafiki, izuchite.
Glavnaja prichina - premiums dorozhaut mnogo let potomu chto straxovie ne xotjat imet’ delo s preexisting conditions, i poka net nikakix incentives dlja ostanovki cen, free market concept zdes’ ne rabotaet, inache bi ceni davnim davno ostanovilis’.
Slishali slishali, i sluxi eti nazivautsja - Medicare.
Ne xotite platit’ tax? Otlichno, davayte otmenim vse medical related taxes, nachnem s Medicare, imenno protiv etogo republicans v svoe vremja vistupali kak seychas protiv iniciativ Obami. Deystvitelno veselo budet, predstavljau kak 70 letnie starichki pitautsja kupit’ straxovku. 
na free market. Kak vi dumaete, v etom sluchae free market, bez vsjakix dopolnitelnix zakonov, sam vse reshit? 
=0 это где это постоянно живущие в стране не граждане могут “покупать, а могут и сами платить” ?
Tak naprimer v Germany.
Ponjatno chto residents, kak i citizens, pokupaut straxovku. Nonresidents - ne objazatelno.
Ja dumal vi pro nelegalov ili turistov, nu ix to v lubom sluchae nikak ne zastavish’ straxovatsja, tut abuse budet vsegda.
туристов в том числе и в германии заставляют страховаться - с покрытием от 20 000 до 50 000 (без страховки давно уже никого никуда не пускают если судить “по букве” 
) так-что надо только ужесточить слегка и всё будет в порядке, ну а нелегалы это да … с этим ничего не сделаешь.
NB. Говоря “не граждане” я имел в виду постоянных резидентов
Вы сами-то их изучали
http://www.census.gov/prod/2007pubs/p60-233.pdf
Income, Poverty, and
Health Insurance Coverage in
the United States: 2006
HEALTH INSURANCE
COVERAGE IN THE
UNITED STATES
Highlights
• Both the percentage and the
number of people without health
insurance increased in 2006. The
percentage without health insurance
increased from 15.3 percent
in 2005 to 15.8 percent in 2006,
and the number of uninsured
increased from 44.8 million to
47.0 million. 30, 31
• The number of people with health
insurance increased to 249.8 million
in 2006 (up from 249.0 million
in 2005). In 2006, the number of
people covered by private health
insurance (201.7 million) and the
number of people covered by government
health insurance (80.3 million)
were not statistically different
from 2005.
• The percentage of people covered
by employment-based health insurance
decreased to 59.7 percent in
2006, from 60.2 percent in 2005.
• The percentage of people covered
by government health programs
decreased to 27.0 percent in 2006,
from 27.3 percent in 2005. The
percentage and the number of people
covered by Medicaid were statistically
unchanged at 12.9 percent
and 38.3 million, respectively,
in 2006.
• The percentage and the number of
children under 18 years old without
health insurance increased to 11.7
percent and 8.7 million in 2006
(from 10.9 percent and 8.0 million,
respectively, in 2005) (Table 6). With
an uninsured rate in 2006 at 19.3
percent, children in poverty were
more likely to be uninsured than all
children.32
• The uninsured rate and the number
of uninsured in 2006 were not
statistically different from 2005
for non-Hispanic Whites (at
10.8 percent and 21.2 million). The
percentage and the number of
uninsured Blacks increased (from
19.0 percent and 7.0 million in
2005) to 20.5 percent and 7.6 million
in 2006 (Table 6).
• The percentage and the number
of uninsured Hispanics increased
to 34.1 percent and 15.3 million
in 2006.
Type of Coverage
Most people (59.7 percent) were covered
by a health insurance plan
related to employment for some or all
of 2006, a proportion that was statistically
lower than that of 2005. The
rate of private coverage decreased in
2006 to 67.9 percent, from 68.5 percent
in 2005, while the number of
people covered by private insurance
was statistically unchanged at 201.7
million in 2006 (Figure 7).
The number of people covered by
government health programs was statistically
unchanged from 2005 at
80.3 million in 2006, while the percentage
of those covered decreased
from 27.3 percent in 2005 to 27.0
percent in 2006. The percentage of
people with Medicaid coverage (12.9
percent) and the percentage of people
covered by Medicare (13.6 percent)
both were statistically unchanged
between 2005 and 2006. The numbers
of people insured by Medicaid
and Medicare were statistically
unchanged at 38.3 million and 40.3
million, respectively.
http://www.census.gov/prod/2009pubs/p60-236.pdf
Income, Poverty, and
Health Insurance Coverage in
the United States: 2008
HEALTH INSURANCE
COVERAGE IN THE
UNITED STATES
Highlights
• The percentage of people without
health insurance in 2008 was not
statistically different from 2007 at
15.4 percent. The number of uninsured
increased to 46.3 million in
2008, from 45.7 million in 2007
(Table 7 and Figure 6).37
• The number of people with health
insurance increased to 255.1 million
in 2008—up from 253.4 million
in 2007. The number of people
covered by private health insurance
decreased to 201.0 million in
2008—down from 202.0 million in
2007. The number of people covered
by government health insurance
increased to 87.4 million—up
from 83.0 million in 2007.
• The percentage of people covered
by private health insurance was
66.7 percent in 2008—down from
67.5 percent in 2007 (Figure 7).
The percentage of people covered
by employment-based health
insurance decreased to 58.5 percent
in 2008, from 59.3 percent
in 2007. The number of people
covered by employment-based
health insurance decreased to
176.3 million in 2008, from 177.4
million in 2007.
• The percentage of people covered
by government health insurance
programs increased to 29.0 percent
in 2008, from 27.8 percent in
2007. The percentage and number
of people covered by Medicaid
increased to 14.1 percent and 42.6
million in 2008, from 13.2 percent
and 39.6 million in 2007. The
percentage and number of people
covered by Medicare increased to
14.3 percent and 43.0 million in
2008, from 13.8 percent and 41.4
million in 2007.38
• In 2008, the percentage and
number of children under 18
without health insurance were
9.9 percent and 7.3 million, lower
than they were in 2007 at 11.0
percent and 8.1 million (Table 7).
The uninsured rate and number of
uninsured for children are the lowest
since 1987, the fi rst year that
comparable health insurance data
were collected. Although the uninsured
rate for children in poverty
decreased to 15.7 percent in 2008,
from 17.6 percent in 2007, children
in poverty were more likely
to be uninsured than all children.39
• The uninsured rate and number of
uninsured for non-Hispanic Whites
increased in 2008 to 10.8 percent
and 21.3 million, from 10.4
percent and 20.5 million in 2007.
The uninsured rate and number of
uninsured for Blacks in 2008 were
not statistically diff erent from
2007, at 19.1 percent and 7.3 million
(Table 7).
• The percentage of uninsured
Hispanics decreased to 30.7 percent
in 2008, from 32.1 percent
in 2007. The number of uninsured
Hispanics was not statistically
diff erent in 2008, at 14.6 million
(Table 7).
Type of Coverage
Most people (58.5 percent) were covered
by an employment-based health
insurance plan for some or all of
2008. The rate of employment-based
coverage in 2008 was lower than
the rate in 2007. The rate of private
coverage decreased in 2008 to 66.7
percent, from 67.5 percent in 2007
(Figure 7). The number of people
covered by private insurance also
decreased to 201.0 million in 2008,
from 202.0 million in 2007.
The percentage of people covered
by government health programs
increased to 29.0 percent in 2008,
from 27.8 percent in 2007. The
number of people covered by government
health programs also increased
to 87.4 million in 2008, from 83.0
million in 2007. The percentage
of people with Medicaid coverage
(14.1 percent) and the percentage
of people covered by Medicare (14.3
percent) were higher in 2008 than in
2007—13.2 percent and 13.8 percent,
respectively. The number of people
insured by Medicaid and Medicare also
increased, to 42.6 million enrolled in
Medicaid and 43.0 million enrolled in
Medicare.40 In 2008, 9.8 percent of
people had no coverage other than
Medicaid for the entire year.
Children’s Health Insurance
Coverage
In 2008, the percentage and number
of children under 18 years old
without health insurance (9.9 percent
and 7.3 million) were lower than in
2007 (11.0 percent and 8.1 million)
(Table 7). The uninsured rate and the
number of uninsured for children are
the lowest since 1987, the fi rst year
that comparable health insurance
data were collected.
The proportion of children not
covered by health insurance varied
by poverty status, age, race, and
Hispanic origin. Figure 8 shows that
children in poverty were more likely
to be uninsured than the population
of all children in 2008, at 15.7
percent compared with 9.9 percent.
Children 12 to 17 years old had a
higher uninsured rate than those
under 12 years old, at 11.6 percent
compared with 9.0 percent.
In 2008, the uninsured rates were 6.7
percent for non-Hispanic White children,
10.7 percent for Black children,
10.9 percent for Asian children, and
17.2 percent for Hispanic children.45
The uninsured rates for non-Hispanic
White children, Black children, and
Hispanic children in 2008 decreased
from their respective rates in 2007.
The uninsured rate for Asian children
in 2008 was not statistically diff erent
from the rate in 2007.
Ну, и никем нелюбимая Википедия :
http://en.wikipedia.org/wiki/Uninsured_in_the_United_States
It has been estimated that nearly one-fifth of the uninsured population is able to afford insurance, almost one quarter is eligible for public coverage, and the remaining 56% need financial assistance (8.9% of all Americans).[8] An estimated 5 million of those without health insurance are considered “uninsurable” because of pre-existing conditions.[9] A recent study concluded that 15% of people shopping online for health insurance are considered “uninsurable” because of a pre-existing condition, or for being overweight. This label does not necessarily mean they can never get health insurance, but that they will not qualify for standard individual coverage. People with similar health status can be covered via employer-provided health insurance, Medicare, or Medicaid.[10]
http://www.cdc.gov/tobacco/data_statistics/fact_sheets/adult_data/cig_smoking/index.htm
Adult Cigarette Smoking in the United States: Current Estimate
By Education
* 41.3% of adults with a GED diploma
* 35.7% of adults with 9–11 years of education
* 10.6% of adults with an undergraduate college degree
* 5.7% of adults with a graduate college degreeBy Poverty Status†
[b]* 31.5% of adults who live below the poverty level * 19.6% of adults who live at or above the poverty level[/b]
Нищие могут себе позволить тратить 280 баксов в месяц на сигареты
Otlichno, eto tolko lishniy raz dokazivaet neobxodimost’ sdelat’ insurance mandatory, ved’ k doktoru idut i te kto s insurance, i te kto bez, eto nepravilno kogda te kto platit straxovku oplachivaet lechenie esche i tex kto ne platit straxovku. V moi premiums zalozhena cena za lechenie nezastraxovannix, pora bi izbavitsja ot etogo gruza, eto 1/6 chast’ moix premiums.
Сомневаюсь, что вам станет легче, после того как с вас будут снимать больше денег, что бы платить за их “обязательную” страховку. Прочитали? ис 8,5 миллионов незастрахованых детей подходят под старховки для малоимущих, у радетелей, просто, руки не доходят
А что поменяется? Почему я буду платить больше?
Разве я сейчас не плачу за лечение болных детей из тех 8.5 млн?
То что у родителей не дошли сделать страховку, это совсем не значит что они не будут лечить их когда они заболеют.
А вот когда они придут к врачу тут и я подоспею или с налогами или через страховку, или еще как, но я оплачу их лечение.
Neverno. Ja stanu platit’ menshe.
Chem bolshe platjat za straxovku, tem ona deshevle - eto princip straxovanija.
Naprimer v car insurance est’ opcija “uninsured drivers”. Eta opcija stoit deneg, ja za nee plachu, a ne mne skidku delaut esli ja vibirau etu opciu. Ja plachu za uninsured drivers, oni ved’ vse-ravno vodjat mashinu. V medicine tochno tak zhe - ja pachu za tex kto ne platit za straxovku, oni vse-ravno lechatsja.
Drugoe delo chto ix ne xotjat straxovat’ iz-za preexisting conditions.
V lubom sluchae uninsured mozhno razdelit’ na dve gruppi:
- sami ne xotjat potomu chto a)zhadnie b)dorogo
- ix nikto ne straxuet iz-za preexisting conditions
Bill Obami mozhet reshit’ obe problemi. On otberet vozmozhnost’ u insurance companie zanimatsja cherry picking, i zastavit platit’ za medicinu tex kto mozhet no ne xochet.
Вы бы определились:
Сначала:
Цены растут, потому что все жадные и никто их гадов не давит, а отнюдь не о того, что много кто не платит + огромные расходы на дела по [malpractice]
Страховки собирают деньги, но таке жадные, что не платят да же за тех, кто застрахован - теперь оказывается, что “вы платите за тех, кто не платит”.
Никто никого не заставит платить - они как были “малоимущие” - так и останутся и их [premiums], [deductibles] и [co-insurance] будете платить вы из своих налогов. Даже если будет видимость того, что цена страховок уменьшилась за щет количества “платящих” - риски увеличатся и, если цену запретят повышать, то ухудшится качество - как минимум, покрытие.
Пос читали (всё на том же сайте [cdc]) - что на каждый доллар, потраченный на сигареты - нужно потратить больше 10 на медицину. Вот и получится, что 23 миллиона незстрахованных курильщиков получат доступ к вашим страховым деньгам - 3400х23 000 000 - только на исправлениай последствий и х “нехороших излишеств”.
Eto uzhe polniy bred. Esli xotite izbavitsja ot tex kto vnosit riski v sistemu, nachnite s Medicare. Eto ved’ samiy glavniy medical tax v USA. Otmenite medicare nu i medicaid zaodno, umenshite nalogi, pensionerov ved’ tak dorogo lechit’.
Sut’ vsey medicini v tom chtobi VSEX lechit’ ludey, a ne umenshat’ rasxodi za schet “spisivanija” tex kogo dorogo lechit’. Menja porazhaet kak rjano vi zaschischaete chest’ mundira.
А мeня поражает насколько вы непоследовательны
Медицину для всех, мы уже проходили. Мне не понравилось Вы сами-то в Украине когда лечились?
Ja posledovatelno pokazal pochemu dela v american health care uxudshaetsja vot uzhe mnogie godi, tut i dokazivat’ nechego, eto ochevidniy fakt. Vi pochemu to cepljaetes’ k otdelnim frazam virvannim iz konteksta, ja mogu dogadivatsaj pochemu no ne budu govorit’ vslux.
Fakt sostoit v tom chto: medicina dorozhaet namnogo bistree infljacii, kolichestvo uninsured uvelichivaetsja (uzhe 15% naselenija), preventable death rate rastet, USA uzhe davno paset poslednix v spiske zapadnix stran po medicine. Esli nichego ne menjat’ kak vi predlagaete, situacija prodolzhit razvivatsja tak kak ona razvivalas’ poslednie 20-30 let, potomu chto net incentives for changes. Free market zdes’ nichego ne reguliruet, inache davno bi otreguliroval kak minimum ceni, ochevidno chto esli ceni poslednie 20 let rasli, to i sleduuschie 20 let budut rasti, esche v 1993 pri Clintone ob etom preduprezhdali. Segodnja v USA 15% GDP uxodit na medicinu i pri etom resultati xuzhe chem v drugix zapadnix stranax gde tratjat 7-8%. Ekonomika USA bankrotitsja medicinoy bistree chem vse voyni vmeste vzjatie.
Bill Obami - eto perviy realniy shans izmenit’ chto-to so vremen Cartera kogda prinimali Medicare protiv kotorogo togda tozhe visputali republicans, no seychas eto life line dlja pensionerov. Predstav’te esli bi togda Carter ne prinjal Medicare. Esli nichego ne sdelat’ seychas, pridetzja zhdat’ 7 let poka Obama uydet, potom 8 let poka ocherednoy republican uydet, a potom noviy demokrat predostavit noviy bill. Minimum 15 let poka ne pojavitsja realniy shans chto-to izmenit’, i vse eti 15 let insurance budut dorozhat’, kolichestvo uninsured i kolichestvo medical bankrotov uvelichivatsja, kachestvo uslug uxudshatsja.