I carry catastrophic care (high per event deductible) and pay out of pocket. You would deny me that choice?
I'm not 'gaming a system' I'm choosing what is the most economical package that covers my needs.
There are conservative approaches to fix the health care system ...I just don’t see them being discussed.
Mandating I buy health insurance is not Conservative. Fining me for not paying for something I don't need is not Conservtive, either. So, I agree, I haven't seen any conservative approaches discussed, either.
Absolutely NOT. Read again what I proposed. You, carrying high catastrophic health care insurance and paying out of your pocket for smaller (and expected) expenses is EXACTLY the idea that should be permitted. YOU HAVE INSURANCE. But - many states won’t allow such programs - very very wrong, IMHO...and ObamaCare would MANDATE you carry boutique health care insurance that covers all sorts of stuff you don’t want or need ...or want to try to afford.
And go back and read what I said ....if you failed to carry insurance - no fine, no harm, no hassle - but if you showed up at the ER without insurance - they could turn you away. (And you might die...but it would be your fault for not getting some sort of insurance.) SO YOU would be faced with consequences of not having insurance, not others who would have gotten “stuck” with paying for your “free-ride” if you wanted treatment but had not gotten insurance!
The “super surcharge” concept is that if there are “mandates” (which I am opposed to) for insurance companies to issue insurance to people who have expensive pre-existing conditions - then the individuals should be stuck with extra fees to recoup the money they tried to save by scamming the system.