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Getbig Main Boards => Politics and Political Issues Board => Topic started by: Azn Muscle on January 19, 2010, 07:09:12 PM
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Coakley started off with a 20pt lead and ends up getting defeated in the uber-democrat State of MA.
Are Dems scared shitless? The people have spoken!
What says you Getbig? ;D
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:)
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And, yet the knuckleheads on MSNBC are clucking about this loss being about the Democrats not taking any action and passing healthcare.
They just don't get it. Brown stated, point-blank, that he would be the 41st vote against ObamaCare if he won.
Uber-liberal Massachusetts SENT BROWN to Washington. What part of that don't they get?
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And, yet the knuckleheads on MSNBC are clucking about this loss being about the Democrats not taking any action and passing healthcare.
They just don't get it. Brown stated, point-blank, that he would be the 41st vote against ObamaCare if he won.
Uber-liberal Massachusetts SENT BROWN to Washington. What part of that don't they get?
x1000
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x1000
Exactly what I have been saying for months. You left wing clowns take notice, this is the begnning of the end for the obama clown car.
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Oooohhh!!! OOOOOHHH!!! and ADDED BONUS..
Ayla Brown is an uber hottie!!! ;D
(http://www.americanidol.com/archive/contestants/season5/i/f/ayla_brown.jpg)
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First there was Virginia, then New Jersey, and now Mass.
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Oooohhh!!! OOOOOHHH!!! and ADDED BONUS..
Ayla Brown is an uber hottie!!! ;D
Brown rocks! Kicking ass and taking names on the HCR disaster.
Take notice you libs - the time for playing games IS OVER!
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It's the beginning of the end of the liberal movement in this country and the democratic majority.
Republicans will overrun both houses and reclaim the presidency in 2012. You heard it here first ( again).
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For the first time in my life I am proud of Massachusetts ;D
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It's the beginning of the end of the liberal movement in this country and the democratic majority.
Republicans will overrun both houses and reclaim the presidency in 2012. You heard it here first ( again).
The Obama clown car and its moronic followers are finished.
This guy is great.
"Our tax dollars should pay for weapons to fight terrorists, not lawyers to defend them."
YES!!!!!
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It's the beginning of the end of the liberal movement in this country and the democratic majority.
Republicans will overrun both houses and reclaim the presidency in 2012. You heard it here first ( again).
we disagree on issues but your predictions are spot on!!! ;D
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The Obama clown car and its moronic followers are finished.
This guy is great.
"Our tax dollars should pay for weapons to fight terrorists, not lawyers to defend them."
YES!!!!!
And, if you're in the mood for a good laugh, check out the MSNBC anchors, trying to spin this, claiming that (after Brown made that speech about terrorists) Brown was in favor of waterboarding, but that the Mass. electorate perhaps didn't know about that or they might have voted a little differently.
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And, if you're in the mood for a good laugh, check out the MSNBC anchors, trying to spin this, claiming that (after Brown made that speech about terrorists) Brown was in favor of waterboarding, but that the Mass. electorate perhaps didn't know about that or they might have voted a little differently.
This clown car on the left is about to go off the cliff.
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Oooohhh!!! OOOOOHHH!!! and ADDED BONUS..
Ayla Brown is an uber hottie!!! ;D
(http://www.americanidol.com/archive/contestants/season5/i/f/ayla_brown.jpg)
that arm is as long as a femur bone lol, but yea, she's hot!
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Wow! What a great night! Scott Brown won! The Democratic people of Massachussets (I think they outnumber Republicans 3-1 there) turned and finally got smart.
It is disjusting that Obama makes these deals with the unions that provide health care breaks for them, but forces hard people who work hard to pay for it. It is disgusting that Obama makes a deal with Nebraska because of a vote. It is pathetic.
You want health care. Make it fair for everyone.
The people who spoken. Cant wait until the people across the US speak again loudly more than ever soon.
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Its wonderful.....Mattehews and Olberdouche are in the feta postion sucking thier thumbs. Barry, people didn't like u and ur leftwing bullshit, they just hated Bush and McCain was a joke.
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dem pundits will have a hard time spinning this. I don't see how they can. But they are and will keep trying which is even worse. Sometimes the best solution is to admit fucking up and change coarse. I doubt they will.
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Looks like those ultra-liberal douche bags got OWNED. Talk about hilarious.
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Didn't Smith vote in favor of a law in 2006 that requires virtually all MA residents to buy health insurance?
I wonder if he will introduce similar legislation on a federal level now that he is a US Senator
what a liberal douche making virtually all state residents buy health insurance and in some cases penalizing those who don't purchase it
is this what MA residents want?
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dem pundits will have a hard time spinning this. I don't see how they can. But they are and will keep trying which is even worse. Sometimes the best solution is to admit fucking up and change coarse. I doubt they will.
lose one Senate race in a special election and they need to completely change course?
The Repubs lost the White House and multiple seats in the Senate and House and then took a sharper turn to the right.
If anything, the Repubs should turn back to the left instead of drifting aimlessly toward the center
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lose one Senate race in a special election and they need to completely change course?
The Repubs lost the White House and multiple seats in the Senate and House and then took a sharper turn to the right.
If anything, the Repubs should turn back to the left instead of drifting aimlessly toward the center
If you can't see how big this win is, you're obv a left-wing nutjob.
With the 41st seat, now the republicans can stop the dems from running a muck.
It's huge too because all the dems up for election will have to think twice before riding Obamas nutsack on policy, because if Massachusetts can fall, pretty much no democrat is safe. And I'm pretty sure a lot of these fools want to keep their jobs.
2010 is gonna see a lotta dems get ass raped in the elections, so hopefully there will be a more balance of power, because this left bullshit is ridiculous.
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Keith Olbermann looked like he was ready to cry ;D
Mike Brown better be ready for the liberal hate machine media
Only the beginning Democraps
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lose one Senate race in a special election and they need to completely change course?
The Repubs lost the White House and multiple seats in the Senate and House and then took a sharper turn to the right.
If anything, the Repubs should turn back to the left instead of drifting aimlessly toward the center
Ha ha ha. You are incredible Straw. Brown ran on a very conservative agenda in Mass. and won. You libs just dont get it, the majority of this country is not on the fringe kook left where you, blacken, benny, and a few other are.
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Coakley started off with a 20pt lead and ends up getting defeated in the uber-democrat State of MA.
Are Dems scared shitless? The people have spoken!
What says you Getbig? ;D
I haven't seen this big of a chokejob, since that '92 Bills-Oilers wildcard game.
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Coakley lost it as soon as she stated curt schilling was a yankee fan...how out of fucking touch can one person be?
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Its wonderful.....Mattehews and Olberdouche are in the feta postion sucking thier thumbs. Barry, people didn't like u and ur leftwing bullshit, they just hated Bush and McCain was a joke.
Fetal position? That's putting it mildly. This was, perhaps, one of the scant few times I watched MSNBC more than I watched Fox, regarding coverage of this race (post-election).
My 5-year-old daughter doesn't look half as pitiful (when I tell her she can't have something) as Olbermann and (especially) Matthews did last night. I've seen sickened hounddogs with happier countenances.
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Fetal position? That's putting it mildly. This was, perhaps, one of the scant few times I watched MSNBC more than I watched Fox, regarding coverage of this race (post-election).
My 5-year-old daughter doesn't look half as pitiful (when I tell her she can't have something) as Olbermann and (especially) Matthews did last night. I've seen sickened hounddogs with happier countenances.
Those idiots only talk to each other and dont realize how out of the mainstream they are. The point is that people want fiscal sanity, not Santa Claus government.
The kooks like Olbermann and Madcow think people are upset over waterboarding. Huh? No we are not!
I seriously hope the lesson these "progessives" take from this is to go further left off the cliff.
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Those idiots only talk to each other and dont realize how out of the mainstream they are. The point is that people want fiscal sanity, not Santa Claus government.
The kooks like Olbermann and Madcow think people are upset over waterboarding. Huh? No we are not!
I seriously hope the lesson these "progessives" take from this is to go further left off the cliff.
Oh, the slapstick gets better. Maddow tried to use the old sexism thing (regarding Coakley potentially being the first woman elected to the Senate from Mass.), using clips from Brown's victory speech where he humorously states that his daughters are available.
The gist was the Dems (Coakely, in particular) didn't relay to the people how sexist Brown is.
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Oh, the slapstick gets better. Maddow tried to use the old sexism thing (regarding Coakley potentially being the first woman elected to the Senate from Mass.), using clips from Brown's victory speech where he humorously states that his daughters are available.
The gist was the Dems (Coakely, in particular) didn't relay to the people how sexist Brown is.
240 and others have told me how brilliant this woman is compared to Palin.
How brilliant can she be if she cant see the obvious reasons why Brown won?
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This is too funny. These delusional ultra-liberal shills (like Straw Man) are still in denial. The democrats took one on the chin last night.
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240 and others have told me how brilliant this woman is compared to Palin.
How brilliant can she be if she cant see the obvious reasons why Brown won?
Now this ought to encourage Sarah Palin to run for the White House. If Brown can snatch a Senate seat that's been in Dem hands for FIVE DECADES, in a state with more bluer than a herd of Smurfs, she (with a little more seasoning) can put the boots to Obama in 2012.
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Now this ought to encourage Sarah Palin to run for the White House. If Brown can snatch a Senate seat that's been in Dem hands for FIVE DECADES, in a state with more bluer than a herd of Smurfs, she (with a little more seasoning) can put the boots to Obama in 2012.
Look, everyone knows I like Palin. I have been her biggest cheerleader, but she is not ready to handle the media from what I can tell. I agree with her on 95% of the issues and would campaign for her like there is no tommorow, but my head tells me a guy like Thune is what the GOP needs right now.
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I haven't seen this big of a chokejob, since that '92 Bills-Oilers wildcard game.
why did you have to go there?
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Look, everyone knows I like Palin. I have been her biggest cheerleader, but she is not ready to handle the media from what I can tell. I agree with her on 95% of the issues and would campaign for her like there is no tommorow, but my head tells me a guy like Thune is what the GOP needs right now.
A year ago, I might have agreed with you. But, she's developing some thicker skin. She's been raked through the coals by the left-winged media. Yet, she's still standing tall. That's why I said, with a little more seasoning, she can make a run and defeat Obama (who's as green as an unripened banana) in 2012.
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why did you have to go there?
I'm sorry!! Are you an Oilers/Titans fan?
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I haven't seen this big of a chokejob, since that '92 Bills-Oilers wildcard game.
why did you have to go there?
I agree, that was really not necessary.......
But you are correct, that was one serious meltdown.
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I agree, that was really not necessary.......
But you are correct, that was one serious meltdown.
Another Titan fan?
;D
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I'm sorry!! Are you an Oilers/Titans fan?
LOL i was an oilers fan now a texans fan but yea that was a serious meltdown...
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A year ago, I might have agreed with you. But, she's developing some thicker skin. She's been raked through the coals by the left-winged media. Yet, she's still standing tall. That's why I said, with a little more seasoning, she can make a run and defeat Obama (who's as green as an unripened banana) in 2012.
Dont, get me wrong, I think she can be it. But she needs work on her overall presentation and needs to be able to be a machine gun verbally like Newt or this guy Brown. Since she is spot on on 95% of the isuses, I think if she was able to develop that verbal ability of say a Thune, Newt, or Brown, she would be an unstoppable force of nature.
If its her, Thune, or some other conservative, I will do what I can to defeat Obamanation. If its Huckster or Romney, no way.
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Dont, get me wrong, I think she can be it. But she needs work on her overall presentation and needs to be able to be a machine gun verbally like Newt or this guy Brown. Since she is spot on on 95% of the isuses, I think if she was able to develop that verbal ability of say a Thune, Newt, or Brown, she would be an unstoppable force of nature.
If its her, Thune, or some other conservative, I will do what I can to defeat Obamanation. If its Huckster or Romney, no way.
Romney and Huckabee don't have the celebrity factor to go head-up with Obama. Palin, however, does. She has the message; she has the star-power. She just needs the polish. Once she gets it, LOOK OUT!!
She needs to hit independents, Latinos, and small-business owners.
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Romney and Huckabee don't have the celebrity factor to go head-up with Obama. Palin, however, does. She has the message; she has the star-power. She just needs the polish. Once she gets it, LOOK OUT!!
She needs to hit independents, Latinos, and small-business owners.
I agree, If she polishes her verbal game, game over since she is spot on on 95% of the issues. First Female President.
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I agree, If she polishes her verbal game, game over since she is spot on on 95% of the issues. First Female President.
Not a chance in hell. :D
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Not a chance in hell. :D
Its all timing. 3 years is a long time. At this point in 2004, Obama was rabble rousing in Chicago, sitting with Rev. Wright and Ayeres, etc.
Anything can happen.
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Its all timing. 3 years is a long time. At this point in 2004, Obama was rabble rousing in Chicago, sitting with Rev. Wright and Ayeres, etc.
Anything can happen.
My point exactly, a simple one that myopic crackpots like Lurker can't quite grasp in his (what do you call it, 333386) knee-padding of Obama.
Worse yet, the claims of liberals having a strangehold on Washington just got dashed to bits. And it's only going to get uglier.
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My point exactly, a simple one that myopic crackpots like Lurker can't quite grasp in his (what do you call it, 333386) knee-padding of Obama.
Worse yet, the claims of liberals having a strangehold on Washington just got dashed to bits. And it's only going to get uglier.
I have said for over a year now that Obama was elected as a result of fraudulent advertising and little else. People are waking up to his nonsense and are sick of it.
The knee padding reference comes from Monica Lewinsky's efforts in the oval office to Bubba. The people who suck up to Obama are the Monica Lewinskys of 2009.
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Speaking of MSNBC guys, has anyone seen Ed Schultz? Oh my Lord!! He might be on suicide watch, right about now!!
Apparently, his 20 votes for Coakley weren't enough for her to win.
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Ha ha ha. You are incredible Straw. Brown ran on a very conservative agenda in Mass. and won. You libs just dont get it, the majority of this country is not on the fringe kook left where you, blacken, benny, and a few other are.
majority of the country?
MA is a tiny state and only 40% of the electorate showed up
The Dem made some serious gaffes and the whole fucking state has public heathcare so why would they want a watered down federal version.
Guess what - the Dems still have a greater majority in the Senate than Bush ever did when he was POTUS and he did anything he fucking wanted.
The Dems have no will to push through their agenda so the loss of one seat really makes no difference in the long run anyway.
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Look, everyone knows I like Palin. I have been her biggest cheerleader, but she is not ready to handle the media from what I can tell. I agree with her on 95% of the issues and would campaign for her like there is no tommorow, but my head tells me a guy like Thune is what the GOP needs right now.
If Palin can't handle the media how the fuck is she going to handle the country much less our enemies
btw - your stated goal for our govt is gridlock and doing nothing and very few sane people share that "vision"
maybe you should face the fact that you're on the radicalized fringe of the political spectrum
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If Palin can't handle the media how the fuck is she going to handle the country much less our enemies
btw - your stated goal for our govt is gridlock and doing nothing and very few sane people share that "vision"
maybe you should face the fact that you're on the radicalized fringe of the political spectrum
Yeah, every taxpayer is screaming for higher taxes and mandates on insurance Straw.
Ha ha. Keep following these "progressives" off the cliff bro.
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Yeah, every taxpayer is screaming for higher taxes and mandates on insurance Straw.
Ha ha. Keep following these "progressives" off the cliff bro.
keep getting raped on health insurance with your high premiums and high deductibles and hope that when you actually need the insurance they don't just cancel it on you.
the Dems in power have the same problem as the Republicans - they are all owned by corporate benefactors.
Get the lobbyist out of Washington and get rid or "corporate personhood" and you'd go a long way to fixing many of the problems in this country
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keep getting raped on health insurance with your high premiums and high deductibles and hope that when you actually need the insurance they don't just cancel it on you.
the Dems in power have the same problem as the Republicans - they are all owned by corporate benefactors.
Get the lobbyist out of Washington and get rid or "corporate personhood" and you'd go a long way to fixing many of the problems in this country
No arguement with you on that. However, it seems you need to tell that to the current occupant of 1600 PA Ave.
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If Palin can't handle the media how the fuck is she going to handle the country much less our enemies
btw - your stated goal for our govt is gridlock and doing nothing and very few sane people share that "vision"
maybe you should face the fact that you're on the radicalized fringe of the political spectrum
As I said, this is a different Sarah Palin than the one that the media skewered in 2008.
Besides, if anyone is showing that he can't handle the media (or the country or our enemies), it's Obama.
For two years, they were kissing his behind. Now, the honeymoon's all but over and the coal-raking is beginning.
The stimulus is a bust; healthcare is all but dead. And, Obama's failure to deliver on certain promises is biting him right in the booty.
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As I said, this is a different Sarah Palin than the one that the media skewered in 2008.
Besides, if anyone is showing that he can't handle the media (or the country or our enemies), it's Obama.
For two years, they were kissing his behind. Now, the honeymoon's all but over and the coal-raking is beginning.
The stimulus is a bust; healthcare is all but dead. And, Obama's failure to deliver on certain promises is biting him right in the booty.
What we need to kill off next is cap & trade. After that, amnesty for illegals.
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No arguement with you on that. However, it seems you need to tell that to the current occupant of 1600 PA Ave.
ok - I'll call Obama and tell him you enjoy getting raped on health insurance
seriously though, you know that Obama is just like all other politicians (including your beloved Palin) and is a corporatist.
Corporate "needs" will always come before people
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ok - I'll call Obama and tell him you enjoy getting raped on health insurance
seriously though, you know that Obama is just like all other politicians (including your beloved Palin) and is a corporatist.
Corporate "needs" will always come before people
I pay $285 a month for health insurance. I have no problem with that.
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If this is going to turn into private insurance...something needs to be done. My father has a genetic kidney disease that is starting to take a turn for the worst; he has insurance but they will not cover anything if it has to do with his kidneys! Not to make a sob story, I just thinks it's fucking bullshit that he can't get treated because of preexisting conditions that aren't even his fault in the first place! Something needs to be done, but this current bill is a fucking disgrace...even Pops doesn't want it because he'll get raped as he is a small business owner.
Anyways...I also watched MSNBC last night more than FOX for the results. Maddow was about to cry when Brown won I swear! hahahahahahahahahahhaaha hahahaha!
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I agree, If she polishes her verbal game, game over since she is spot on on 95% of the issues. First Female President.
False
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If this is going to turn into private insurance...something needs to be done. My father has a genetic kidney disease that is starting to take a turn for the worst; he has insurance but they will not cover anything if it has to do with his kidneys! Not to make a sob story, I just thinks it's fucking bullshit that he can't get treated because of preexisting conditions that aren't even his fault in the first place! Something needs to be done, but this current bill is a fucking disgrace...even Pops doesn't want it because he'll get raped as he is a small business owner.
Anyways...I also watched MSNBC last night more than FOX for the results. Maddow was about to cry when Brown won I swear! hahahahahahahahahahhaaha hahahaha!
What State does your father live in ?
The reason I ask is many States have High Risk Insurance Pools, for people like your Father.
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False
Anything can happen. Who would have thought one year after Obama won in a electoral college landslide he would be as toxic as kryptonite to any personal he campaigned for and everywhere he goes?
And secondly, why should I listen to you? You voted for this fool and he is turning out even worse than I imagined, and thats a lot.
So, if you were dead wrong on Obama, why should I assume your judgement is any better than for Palin?
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What State does your father live in ?
The reason I ask is many States have High Risk Insurance Pools, for people like your Father.
SC, I never knew that so I will look into it. It's just a fucking shame that this "healthcare" bill doesn't even really help the people that need it. Oh well...they're politicians so what do you expect? Hopefully more and more people will get on board and vote for other than the status quo.
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Anything can happen. Who would have thought one year after Obama won in a electoral college landslide he would be as toxic as kryptonite to any personal he campaigned for and everywhere he goes?
And secondly, why should I listen to you? You voted for this fool and he is turning out even worse than I imagined, and thats a lot.
So, if you were dead wrong on Obama, why should I assume your judgement is any better than for Palin?
you voted for Bush...
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your logic is astounding
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I pay $285 a month for health insurance. I have no problem with that.
surely you're aware that just stating a premium and no other info is meaningless
1. What is your deductible
2. After you pay your deductible what % of sharing in expense to you still have to pay (since you're self employed and probably not on a group plan I'd guess you still have to cover 30% of anything beyond your deductible up to yet another limit.
3. What's your total amount of coverage
4. What pre-existing conditions are excluded
5. Who get's to make the decisions on what care you get, which doctor you see, which drugs will be covered.
6. What prevents your insurance company from simply denying a claim.
7. If they deny a claim where can you go for recourse (you're an attorney so you have optoins but many people can't afford an attorney to go to court for something like this).
Do you see why just stating a premium is kind of meaningless?
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surely you're aware that just stating a premium and no other info is meaningless
1. What is your deductible
2. After you pay your deductible what % of sharing in expense to you still have to pay (since you're self employed and probably not on a group plan I'd guess you still have to cover 30% of anything beyond your deductible up to yet another limit.
3. What's your total amount of coverage
4. What pre-existing conditions are excluded
5. Who get's to make the decisions on what care you get, which doctor you see, which drugs will be covered.
6. What prevents your insurance company from simply denying a claim.
7. If they deny a claim where can you go for recourse (you're an attorney so you have optoins but many people can't afford an attorney to go to court for something like this).
Do you see why just stating a premium is kind of meaningless?
I have to look, but its sort of a low premium high deductible plan, which I want sinne. I think hospitalization is I am responsible for first 5k and they cover the rest which is fine since 5k is nothing for me in that type of instance.
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I have to look, but its sort of a low premium high deductible plan, which I want sinne. I think hospitalization is I am responsible for first 5k and they cover the rest which is fine since 5k is nothing for me in that type of instance.
you should check on that - you might find you still share expenses up to another limit.
what you have is basically a form of self insurance. You pay 285 a month and, best case you still have to cover the first 5k in expenses (perhaps even more).
In any given year you're out of pocket 8320 before your insurance company pays one cent and then there's the issue of pre-existing conditions, rescission, health insurance administrators deciding what treatment you should get, etc....
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you should check on that - you might find you still share expenses up to another limit.
what you have is basically a form of self insurance. You pay 285 a month and, best case you still have to cover the first 5k in expenses (perhaps even more).
In any given year you're out of pocket 8320 before your insurance company pays one cent and then there's the issue of pre-existing conditions, rescission, health insurance administrators deciding what treatment you should get, etc....
I have to look of course. Straw, understand something else, I know I am mortal and that at some point I am going to die and that there is nothing anyone will be able to do. I dont have any illusions of immortality etc and think of HC insurance as a hedge against future costs etc.
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SC, I never knew that so I will look into it. It's just a fucking shame that this "healthcare" bill doesn't even really help the people that need it. Oh well...they're politicians so what do you expect? Hopefully more and more people will get on board and vote for other than the status quo.
here you go:
http://www.doi.sc.gov/consumer/schip.htm
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you should check on that - you might find you still share expenses up to another limit.
what you have is basically a form of self insurance. You pay 285 a month and, best case you still have to cover the first 5k in expenses (perhaps even more).
In any given year you're out of pocket 8320 before your insurance company pays one cent and then there's the issue of pre-existing conditions, rescission, health insurance administrators deciding what treatment you should get, etc....
The HIPAA laws require pre-existing be covered, unless you did not have insurance at the time of application
Also, If he has a 100% plan ( after the Annual Ded.) He would not have "8320" out of pocket unless the claim happened at the end of the year, so you are wrong once again.
Lastly, 333 has a 5000 deductible, because he so chooses. His choice.
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If Palin can't handle the media how the fuck is she going to handle the country much less our enemies
btw - your stated goal for our govt is gridlock and doing nothing and very few sane people share that "vision"
maybe you should face the fact that you're on the radicalized fringe of the political spectrum
youre right straw its not like she tried to keep certain stations out of her press conferences and refused to speak with certain news stations....
THAT WAS OBAMA :o ::) :-X
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Oh brother these lefty liberals are nuts!
All you out of touch liberals think about is HEALTHCARE HEALTHCARE HEALTHCARE!
Guess what bitches, AMERICA NEEDS JOBS! JOBS JOBS JOBS JOBS JOBS! What don't you understand?
Unemployment is 10%+ and upwards of 17% if you count all the people who have given up looking.
Sure it'd be nice if everyone had healthcare, but I WOULD RATHER HAVE A DAMN JOB!!!
With a JOB I can buy my own HEALTHCARE. I cannot feed/house myself with HEALTHCARE.
You left idiots are amazing.
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The HIPAA laws require pre-existing be covered, unless you did not have insurance at the time of application
Also, If he has a 100% plan ( after the Annual Ded.) He would not have "8320" out of pocket unless the claim happened at the end of the year, so you are wrong once again.
Lastly, 333 has a 5000 deductible, because he so chooses. His choice.
since 333 did not have insurance prior for many years is it safe to assume that any pre-existing condition would not be covered?
you're right - he would not have the 8320 out of pocket unless the claim happened in December.
I'm self employed too and I'm well aware of the deductable vs. monthly premium choice
Either way - the plan is designed as essentially a form of self insurance for most of the mundane medical needs and even minor surgery