SCOTUS decides on Prop 8 :D

**deathgodusmc** · 04-01-13, 07:28 PM

Originally Posted by HeavyG

You are missing the point. It is about married couples paying LESS than single individuals. If you are a scum bag and dont pay your bills or if you are poor and cannot afford to pay them, then maybe if you were married and under the benefits of your spouse, the bills wouldnt be unpayable.

Look, bottom line is that there are many reasons marriage can benefit 2 persons over both being single. If you just want to throw in hypothetical "what ifs", then you shouldnt be discussing this.

If the people dont care about their credit, they pribably dont care about a lot of stuff like paying of credit cards, paying their utilities, paying taxes...

Sure, there are lots of people like that, but they are not the hard working people that want to do right, pay bills, and use benefits and follow a fair system filled with opportunities if you are employed and eligible for benefits, let alone taking advantage of the tax benefits.

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But your missing the point. You cant use medical as an excuse when clearly medical is covered between non payment, government assistance, and group coverage. I conceded on the taxes but there is no way im giving in on medical.

**AetheLove** · 04-01-13, 07:34 PM

Originally Posted by deathgodusmc

Just so have this clear you think someone that cant afford insurance is concerned about how an unpaid medical bill is going to effect his credit portfolio?

I won't say such a thing is common, but it certainly exists.

I have been in that situation. I took a job that didn't offer insurance. At the time, and not being in a risk pool, the cost for me to carry even basic medical was astronomical. I went without coverage for a while, but still went to see my doctor when I needed to.

I paid for everything.

If I had been married, my medical insurance would have been less. Same for car insurance.

Having one example (me) isn't very good evidence. I know of others who have done the same thing. I don't know how common the experience is, but it's not unusual for someone to not be able to afford insurance.

Cheers,

AetheLove

**deathgodusmc** · 04-01-13, 07:39 PM

Originally Posted by AetheLove

I won't say such a thing is common, but it certainly exists.

I have been in that situation. I took a job that didn't offer insurance. At the time, and not being in a risk pool, the cost for me to carry even basic medical was astronomical. I went without coverage for a while, but still went to see my doctor when I needed to.

I paid for everything.

If I had been married, my medical insurance would have been less. Same for car insurance.

Having one example (me) isn't very good evidence. I know of others who have done the same thing. I don't know how common the experience is, but it's not unusual for someone to not be able to afford insurance.

Cheers,

AetheLove

Really? The cost of all my insurances go up when someone is added to any policy. Who you going thru maybe i'll add the whole block and get it for free.

**AetheLove** · 04-01-13, 07:51 PM

Originally Posted by deathgodusmc

Really? The cost of all my insurances go up when someone is added to any policy. Who you going thru maybe i'll add the whole block and get it for free.

If I had been married and buying insurance for myself, it would have been less. If I had been married and we'd shared a policy (all things being equal) it would have been less than twice as much.

Æ

**deathgodusmc** · 04-01-13, 07:53 PM

Originally Posted by AetheLove

If I had been married and buying insurance for myself, it would have been less. If I had been married and we'd shared a policy (all things being equal) it would have been less than twice as much.

Æ

You mean like the group policies anyone can join into?

**HeavyG** · 04-01-13, 07:58 PM

Can you add someone to your policy without them being a spouse or child? I cant.

Are healthcare costs more expensive or less expensive when you have insurance? More.

I currently have Cigna (not the best), and I pay out of pocket about $165/month and it would be double that to add a spouse. My gf pays $225/month through UHC. That is 60/month in savings if we were married and under my plan. She also pays $50/month for prescriptions which would ve free under my plan. Her copays are also twice as much as mine for each visit. Like I sais our annual savings would be roughly $1500.

Now imagine she didnt have a job that offered insurance benefits. The savings could be well into the thousands, just for one of her meds.

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**deathgodusmc** · 04-01-13, 08:00 PM

Originally Posted by HeavyG

Can you add someone to your policy without them being a spouse or child? I cant.

Irrelevant. They have group policies anyone can join.

**HeavyG** · 04-01-13, 08:01 PM

Originally Posted by deathgodusmc

But your missing the point. You cant use medical as an excuse when clearly medical is covered between non payment, government assistance, and group coverage. I conceded on the taxes but there is no way im giving in on medical.

And I am not missing the point. We have the means to pay for the medical expenses either way. We arent poor and we pay our bills. That doesnt mean it isnt cheaper for a married couple.

Most married couples I know decide.which health plan is the most affordable and will suit their needs an both go on that one instead of two independent plans. It is smarter and saves money. If you arent married, you cant do it.

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**HeavyG** · 04-01-13, 08:03 PM

And you dont need to concede on medical. It isnt a debate when we are diavussing facts and actual dollar figures. I told you what I pay and what I would save if we.were married and both on my plan.

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**deathgodusmc** · 04-01-13, 08:11 PM

Originally Posted by HeavyG

And you dont need to concede on medical. It isnt a debate when we are diavussing facts and actual dollar figures. I told you what I pay and what I would save if we.were married and both on my plan.

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Yes i would have to but in doing so i would have to ignore the fact many insurance companies already ask if your a couple not if your married.