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The pro side says that in case something happens to you then you should have health care so it doesn't burden your family in the future.

Con: People on the con side say that it is their choice whether they have health care or not and not all people can afford it and they don't want to have "government assistance" for it.

I think it is your choice whether you have it or not as people should not make decisions about your life for you

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Right To Health Care?
Pros-  Many countries have universal health care. They say that everybody should have health care because you never know what might happen. People say that the waiting and maybe not the best health care will make up for itself because everybody will get to have it.
Cons- One of the big reasons people do not want it is because with universal health care means waiting. You can't get in to see your doctor right away like you can now. The care isn't always the best either because people go to the doctor over every little thing so the doctors are usually overworked.
I am on the con side because people who have health care shouldn't have to wait because people are abusing it. I also don't think that everybody should just be given it, maybe something like if you have a job then they get it would be better.

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Patient Protection and Affordable Care Act

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Patient Protection and Affordable Care Act

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Joe Dodgen

Pros:  Eliminates lifetime and annual coverage limits.  Children can stay on their parents health insurance plans up to age 26. Businesses with more than 50 employees must offer health insurance. They receive tax credits to help with the costs. ACA lowers overall health care costs. insurance for millions and making preventive care free.

Cons: Increased coverage raised overall health care costs in the short-term. The ACA website had a lot of technical problems when it was first launched.

I am on the pro side

http://www.healthline.com/health/consumer-healthcare-guide/pros-and-cons-obamacare?m=2

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SaFire- Enforcing TrumpCare & Repealing ObamaCare 

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SaFire- Enforcing TrumpCare & Repealing ObamaCare 

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Pros:
- Allows children to stay on their parents health care plan until 26.

- Provides coverage for people with pre-existing conditions.

-Repeals tax penalty for not having health insurance.(not sure)

Cons:
- 18 million at first but an estimate of 32 million Americans will go with out insurance once ObamaCare is repealed.

- Premiums will double once everything is said and done.

- With no penalty for not having health insurance, younger kids will choose not to have it which will upset the balance of the insurance industry.

My Opinion:

I believe that it should be the peoples choice wether or not they want health insurance. Any insurance has its good parts and its bad parts. I believe that Trumps group of people are rushing into it too soon. I mean, I think he has already created so much destruction.

Sources:

https://trumpcare.com/

https://www.formosapost.com/pros-and-cons-of-trumpcare/

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Brenna B
Pros
Often has a broad array of health insurance benefits.

Lower premiums are available due to significant subsidization from employer

Employer premium subsidies not treated as taxable benefits for employee

Cons
Coverage discontinues after the enrollee discontinues work at the employer

Health insurance choices limited to selection approved by employer

Small employers often subsidize health insurance at a lower level than large employers

Im for pros because they attest give a standard insurance for people.

https://www.agilehealthinsurance.com/health-insurance-learning-center/pros-and-cons-of-different-types-of-health-insurance

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Personal Injury Protection

The affirmative side states that this type of insurance also comes with auto insurance. Some states, you have to have this coverage in order to be a legal driver, but it is not a law. With personal injury protection you will get paid back the money you spent on your injuries. It also helps with liability reasons. It goes to the person that is injured and covers all of the expenses.

The negative side states that the prices of having personal injury protection is high. Depending on the location of the accident, the price will be higher and may have to pay extra.

I personally think people should have personal injury protection because you never know when you will be in a car accident, and you always want to have money to pay for all the bills depending on the injuries.
http://www.bizjournals.com/prnewswire/press_releases/2016/02/21/MN25984

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Cancer Insurance

The affirmative side states that it can help financially. It can relieve the stress from the bill pileup. It can help with medical costs. Not everything can be covered by regular health insurance. If cancer is in family history you can't be denied this insurance.

The negative side states that it can be hard to find and that not every carrier has it. It becomes very expensive. Not knowing if you'll end up having cancer, you could be paying for it while it serves no use.

I am on the affirmative side. I think it is a good idea, especially if it is in your history, to have cancer insurance. I feel it can benefit you more. Better to be safe than sorry.

http://healthresearchfunding.org/7-pros-and-cons-of-cancer-insurance/

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Is the Patient Protection and Affordable Care Act (Obamacare) Good for America?

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Is the Patient Protection and Affordable Care Act (Obamacare) Good for America?

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The affirmative side states that most people will pay more for health insurance next year. That's true whether you get coverage from a job, on your own through an exchange or directly from an insurer, or from Medicare. The good news is that available information indicates the doomsayers were wrong, and premiums under President Barack Obama's health care law aren't going through the roof.

The negative side states that there can be no doubt that health care today is more costly than it would have been without Obamacare. Measured over two years,Obamacare's rate hikes remain toxic. And further increases are on the horizon in 2017, when some of the law's subsidies to insurance companies are set to expire.

I have no idea. Because I don't know American's insurance and Obamacare.

http://healthcarereform.procon.org/view.resource.php?resourceID=003725

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pros and cons of basic car insurance
Pros: its more affordable than full coverage insurance, and still getsyou a little coverage
cons: basic car insurance doesnt make it so you get full coverage on your car, and it doesnt pay for your car if its totaled i am on the opposing side because people shoudl buy full coverage becaue if something really bad happens in a wreck, than they will be covered
http://www.carinsurancecomparison.com/pros-and-cons-of-purchasing-basic-car-insurance/

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PIP (Personal Injury Protection) Insurance

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PIP (Personal Injury Protection) Insurance

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My debate topic is, should PIP be inforced, is it good or bad?

People on the affirmative side of this topic say that personal injury protection provides a secure state of mind. It can help to ensure that a person has coverage if they were to ever be involved in an accident that caused them personal injury. Personal injuries can be some of the highest costs put upon a person, and often times those with injuries are forced to pay out of pocket for the expenses. The insurance could also protect you and your family if an accident occurs and the money maker for the family is the one who gets injured.

People on the negative side of this topic say that these insurance plans can be very expensive. They also say that the benefits you can get in one state you may not be able to get in another state, so that is not fair. It has also been said that this insurance often duplicates health insurance, so you are paying for double than what you need. There is also a higher risk of fraud associated with this insurance, especially in states such as Florida and New York where this insurance is necessary.

After considering multiple views regarding both sides of the topic, I am in favor of the negative side of this topic. I feel like this insurance should not be mandatory and that at times it would definitely overlap with health insurance that most already carry.

http://www.carinsurancecomparison.com/pip-insurance-pros-and-cons/

Amber Hickman

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Short Term Health Insurance

Very affordable premiums that can cost half of what is charged for an Affordable Care Act. Premium savings can be used to buy other care such as dental or vision coverage.
con
No coverage of pre-existing medical conditions. Health status and pre-existing conditions evaluated as part of application approval process applicants can be rejected.
Some benefits not covered maternity coverage is excluded.
yep
https://www.agilehealthinsurance.com/health-insurance-learning-center/pros-and-cons-of-different-types-of-health-insurance

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Jamarr
Pros- It can save you from a lawsuit. Which can cost you a lot oh moolah. The insurance cost depends on the condition and type of car. If you have a sports car it will cost more.

Cons- Some people don't have the money. So they have to drive around without insurance. Many states require it.

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Zach T

Pro and Cons of Car Insurance

Pro: If a person is in a car crash where there is a lot if damage financially, car insurance can make help out. Depending on if you get basic or a better insurance will all depend on what the company will pay you. Some www.carinsurancecomparison.com say they will give pay you all this money or give you a brand new car if you are with them, but you're car and crash have to fall in a certain criteria of situations and most of the time that insurance plan costs more than basic insurance.

Cons: Monthly payment for insurance can add up. Some people have to resort without insuring there car, which can lead to a ticket or you paying completely out of pocket if you get in an accident. Basic insurance doesn't have as many perks as the more costly ones do.

I think people should have the right weather or not if they want car insurance. Paying a monthly fee is hard for some and if they would rather not pay then they shouldn't have to.

www.carinsurancecomparison.com

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Online Car Insurance

The affirmative side states that with purchasing online car insurance you have the ability to access and purchase anytime of the day or night. There is also no waiting time for insurance documents. Printing your proofs is available at any time of purchase. You also have the ability of getting your questions answered efficiently and quickly.

The negative side states that the only way to communicated with an agent is by calling an 800 number. A person is needed from time to time to verify your policy but you do not have this potion online. To file a claim, you also have to do this on your own. Most agents will file a claim for you but having it online there is no agent to help you with this. You also have to be comfortable running a computer otherwise this type of insurance may be hard to operate.

I personally think that having another option of insurance is a good thing. This is an option meaning that not everyone has to choose this route. It could definitely be an easier and nicer way for the people who like the connivence of the insurance right at their fingertips.

https://www.thebalance.com/pros-and-cons-of-online-car-insurance-527046

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The Affordable Healthcare Act (Obamacare)
The pros of this are that health insurance is more affordable for many people. Insurance companies are required to spend at least 80 percent of insurance premiums on medical care and improvements, this also denies insurers of unreasonable rate increases. There is not a limit on care, meaning that insurance companies can no longer maintain a pre-set dollar limit on the coverage they provide their customers.

The cons are that several new taxes were created to help pay for the ACA, including taxes on medical device and pharmaceutical sales.  Many people will be forced to pay higher premiums due to insurance companies providing a wider range of benefits. Businesses are cutting employee hours to avoid providing insurance for them. A business with 50 or more full-time employees must offer insurance or cover healthcare expenses for employees. By reducing hours, businesses are able to get by the 30-hour-per-week definition of a full-time employee.

In my opinion I believe that the ACA is a good thing, but it should be changed a bit, to better suit the needs of everyone on the insurance plan.
http://www.healthline.com/health/consumer-healthcare-guide/pros-and-cons-obamacare?m=2

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Pros and cons on homeowners insurance.
Pros:
- covers accidents that happen within your home.
- covers large damage that you may not be able to cover.
- mainly covers the whole destruction of the house.
- your possessions will be replaced.

Cons:
- extra monthly payment.
- can be quite expensive.
- doesn't cover freezing of plumbing or floods.

I think this is good. It seems to help out people when they are in need. Reminds me of when people say "they have your back."

https://www.homeinsuranceking.com/blog/pros-and-cons-of-homeowners-insurance/

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Pros: Moms and dads can now take out multiple-birth insurance, giving them a cash payout in the event they have more than one baby.
Parents must take out the policy before the 11th week of the pregnancy – in other words, before the first ultrasound scan – and the cost of the insurance is calculated according to certain details about the couple.
Cons:
- At present, payments are capped at $5,000.
-  Those who have had fertility treatment in the past two years are not eligible to apply.

Even though I've never heard of such an insurance before, I'm on the affirmative side. The policy assists with the cost of bringing up two babies instead is substantial. Lately, the average cost of raising a child up to the age of five can be as much as 20,000. Which is very expensive.

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Should all Americans have the right to Health Care?

The positive side states a right to health care could make medical series affordable for everyone. It is an internationally recognize human right. The United States in a very wealthy country, it should provide healthcare for all its citizens. A right to health care could save lives and improve public health.

The negative side states that the right to health care could lower the quality and availability of disease screening and treatment, it could also raise taxes and it could increase the US debt.

I am on the negative side if health care was provided then the taxes would go up. We haven’t provided health care in the past and it worked fine. Also, a lot of people would not be able to afford health care and would need help from the government.

http://healthcare.procon.org/

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Should students insurance cost depend on their grades?

Affirmative: It teaches the students that those who work hard  earn rewards, so working hard for good grades can reward you with cheaper insurance. Statistics show that kids with good grades typically get in less accidents.
Negative: Students will begin to depend on those rates for their grades, and perhaps base their ways of financing on the rates they earn from their grades. If they happen to fail a test or their semester tests, their insurance rates could rise.
Opinion:
I believe that we should keep this grade/insurance connection going because all it does is benefit those who try in school. It doesn't negatively affect those who don't, they just receive the normal rates for car insurance
http://www.dmv.org/insurance/good-student-auto-insurance-discounts.php

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Brandi alice- Is insurance really needed?

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Brandi alice- Is insurance really needed?

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Pro- It helps pay for medical needs.
Con- Is very expensive with some companies.
Pro- There are a lot of different insurance providers.
Con- Not everyone is able to afford or get insurance.                                 https://www.angieslist.com/articles/how-avoid-5-common-health-insurance-problems.htm

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Is being on the honor roll an advantage for students with car insurance?
Pros:
-  it rewards students financially for doing well in school
- Shows students that if you work hard there will always be a positive outcome

Cons:
- Teen drivers are statistically the most dangerous on the road
-Cars and grades have nothing to do with each other. Someone may have a difficult time learning but driving is easy to do for them.
I am on the negative side. I don't think grades have to do with driving. A student may be very talented in school but not on the road.

http://www.finweb.com/insurance/pros-and-cons-of-having-your-own-teenage-car-insurance.html

http://www.dmv.org/insurance/good-student-auto-insurance-discounts.php

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Is Whole Life insurance good or bad?

Pros:
-Guarantees investment returns
-Fixes premiums
-builds cash value over time that you can borrow from later

Cons:
-Average investment returns
-Expensive premiums
- Has high fees and commissions for insurance industry
-Complicated and difficult to understand

I am in favor of the negative side because elderly people or people with health problems can't always afford insurance.

https://www.moneyunder30.com/whole-life-insurance-good-investment

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Is short term health care good?
The affirmative side states that typically has broad networks of healthcare providers and is accepted at many of the top hospitals and cancer centers in America. It has very affordable premiums that are half the cost of Obamacare.
The negative side states that it has no coverage of pre-existing medical records. Some benefits are not included and you can still be subject to tax from Obamacare.
I am in favor of the negative side because I believe in having full insurance coverage. With he short term health care, you are setting yourself up for more taxes and penalties.
https://www.agilehealthinsurance.com/health-insurance-learning-center/pros-and-cons-of-different-types-of-health-insurance

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Should Every American Be Entitled to Health Care?
The affirmative side states that the founding documents of the United States support all having the right to health care. By letting all have the right to health care it could lower the price of it, and also lower the price of medical services. By having health care it could save lives.

The negative side states that the right to health care would increase US debt and taxes. It would increase the waiting time for medical service. By providing health care it is possible there may be a shortage of doctors.

I am in favor of the negative side because I feel that the negatives out way the positives. We haven't provided health care in the past and it has worked out well, so I don't think we should change it.

http://healthcare.procon.org/

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Should we keep Obamacare?

Pros- Those on the affirmative side say Obamacare should stay. Having Obamacare is better than having nothing. Obamacare allows coverage for dependents until the age of 26.

Cons- Those on the opposing side say Obamacare should be terminated. They believe people should have a choice to have insurance or not. Obamacare is also very costly and the price keeps increasing.

My Opinion- I stand with the affirmative side and believe that we should keep Obamacare. However, it does need to be amended and revised to make it even better. It's not perfect, but it's better than what we had.

Source(s)-

http://www.debate.org/polls/obamacare2

http://obamacarefacts.com/obamacare-pros-and-cons/

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Should all americans be entitled to health care?

Affirmative- Making health care a right would lower the overall cost of health care. Giving people a right to health care would also save lives.

Negative- The right to health care would raise the US debt and deficit. Giving the right to health care would also increase the wait time for medical services.

I am in favor of the negative side because I feel that not providing health care is better in more cases than providing health care would be for America.

http://healthcare.procon.org

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Braxsten
Cattle insurance is just like car insurance only it covers cattle.The Basics of Livestock Insurance. Cattle and other livestock face mortality risks caused by accidents, sickness and disease. There are blanket coverages that apply to most livestock and poultry, and specialty coverages for specific groups of farm animals, such as cattle, sheep, goats, pigs, hogs, chickens, and emus.
Pros you can get money back for what you lost and buy new vehicles.

http://news.nationalgeographic.com/news/2013/12/131210-wildlife-conservation-compensation-predators-science/

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Travel Insurance

Pros- This kind of insurance is growing and Americans spent $1.9 billion on insuring their travel in 2012. It is best to buy travel insurance if you plan to travel abroad or is more of an expensive trip won’t be refundable. One of the best coverages they have is trip cancellation. With this, they pay nonrefundable parts of the trip if the person going ends up sick or something happened and they can no longer go. Worldwide travel would a great time to get insurance, because it helps if something were to happen and you would need to be medflighted or taken by ambulance to a hospital..

Cons- Travel insurance isn’t cheap. People will often pay  a couple hundred dollars for the insurance on maybe a $5000 trip. Travel insurance tends to cost more than it’s worth. On average, it costs 4-8% of the total cost. The price is based on the chosen coverages, age of traveler, and cost of the trip.

After viewing both the pros and cons of travel insurance, I’m stuck in the middle. I think it would be beneficial to buy the insurance if you’re going on a big trip that is possibly out of the country. But for littler trips within our country, it doesn’t seem worth it.

http://articles.chicagotribune.com/2013-07-13/site/sc-cons-0711-karpspend-20130713_1_travel-insurance-trip-cancellation-trip-insurance

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Affordable Care Act Health Insurance (Obamacare)

The affirmative side states that there is a broad array of health insurance benefits. Some people qualify for premium and out-of-pocket costs subsidies. The is no review of the customers health status or pre-existing conditions during the application process; applicants will not be rejected. There is broad coverage of many generic, brand name, and specialty drugs.

The negative sides states that Obamacare includes health insurance benefits you may not want and it is often expensive without premium subsidies. There is very high deductibles in bronze and catastrophic plans. Many of the plans limit enrollees to a narrow network of healthcare providers. In many geographic areas, especially rural counties, Obamacare includes only one insurer and the user cannot enroll in plan outside of annual enrollment period without a qualifying life event.

I am not in favor of either side because I don’t understand insurance and what anything I said means.

https://www.agilehealthinsurance.com/health-insurance-learning-center/pros-and-cons-of-different-types-of-health-insurance

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basic car insurance

Pros-  It cost a lot less money. It also good for a person who's car is worth very little.

cos-It wont cover your car if it is totaled. You are also not covered if you get hit by an uninsured motorist.

I am all for basic car insurance because if your car isn't worth much why pay a lot for car insurance.
http://www.carinsurancecomparison.com/pros-and-cons-of-purchasing-basic-car-insurance/

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Should every American have the right to be entitled to Health Car?

The affirmative side states that The Declaration of Independence says that all men have "unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness." This means that people are basically entitled to health care. Another point of the affirmative side is that if people are entitled to health care, more lives could potentially be saved in a year. In fact, due to lack of health insurance, there are 44,789 deaths per year.

The negative side states that giving the right of health care to everyone will make taxes increase dramatically. Another point to the negative side is that making health care a right, the wait time for medical services would become longer, due to more people seeking help.

I am in favor of the affirmative side, because I think that health care is a basic right. I believe that with it being a right, more of peoples' lives would be saved as well as their families grieving.
http://healthcare.procon.org

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Should insurance companies allow illegal immigrants to use the health care they provide?

Pro~ The affirmative side states that regardless of a parental citizenship the children should have access to the health care they need. It is a federal obligation to allow health care access to every person in the United States. Just because they are illegal doesn't mean they are irresponsible and won't pay the insurance companies back. It is up to the insurance companies on who they cover and who they don't.

Con~ The negative side states that insurance companies use loop holes to cover the least amount of the bill on legal citizens, let alone illegals. There is no guarantee anyone will pay their bills to insurance companies, but an illegal immigrant can be deported, and the company would be out that money. Some insurance companies require people to pay too much as it is.

My opinion~ If companies really want to take the risk and  insure them, then go ahead. I don't know how an illegal go wiggle through the system and get insurance anyways. It's not harming me right now.

http://immigration.procon.org/view.answers.php?questionID=000811

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Do Health Insurance Exchanges Benefit Customers?

Pro: It helps people without coverage enroll in one that meets your needs. It keeps you from one agent to another, because you can see what you are getting into. Middle class consumers are offered tax credits to help pay their insurance.

Cons: The rates increase dramatically. Restrictions on covered drugs are nothing new, but the limits are more widespread in exchange plans to keep premiums low.

Considering both sides heavily, I am on that con side because having transparent exchanges won't make health insurance more affordable or more available.

http://healthcarereform.procon.org/view.answers.php?questionID=001799

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Is getting insurance on your car good or bad?

Pros- Helps you pay if you get into an accident. If the accident is your fault it helps you pay fro the other persons vehicle. If you get into an accident you only have to pay a certain amount and the insurance company will cover the rest.

Cons- IF you are a great driver you may never have to use it and the company will only get your money. It doesn't seem right that they take your money if you never use it.

I believe that insurance is a good thing and I am glad I have it. I feel like there are ways that they can get you really bad and steal your money but you need to make sure to watch where your money is going.
http://www.carinsurancecomparison.com/pros-and-cons-of-purchasing-basic-car-insurance/

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Right To Health Care???
Pros-  Many countries have universal health care. They say that everybody should have health care because you never know what might happen. People say that the waiting and maybe not the best health care will make up for itself because everybody will get to have it.
Cons- One of the big reasons people do not want it is because with universal health care means waiting. You can't get in to see your doctor right away like you can now. The care isn't always the best either because people go to the doctor over every little thing so the doctors are usually overworked.
I am on the con side because people who have health care shouldn't have to wait because people are abusing it. I also don't think that everybody should just be given it, maybe something like if you have a job then they get it would be better.

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Pros and Cons to Progressive Insurance

Pro's: Progressive has a very wide variety of items they offer to insure.  They offer both online registering and in person. They have a 24/7 customer service and claims service. They insure; Auto, Motorcycle, RV, Travel Trailer, Boat, Classic Car, Snowmobiles, ATV, PWC, Golf Cart, and Segway's. Progressive will also offer a free  $1000 pet coverage. They have roadside assistance, snapshot, and renters assistance.

Cons: Progressive doesn't offer much for business. Progressive doesn't have rating from BBB, which is one of the best sites for people to gather information.

I think that progressive had a lot of benefits, and if what they offer fits with what you need. Than go for it, because they got good stuff.
https://www.thebalance.com/progressive-insurance-does-flo-know-best-1969906

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Pros and Cons to Having Health Insurance

The affirmative side states that having health insurance gives you the opportunity to maintain or improve your health by providing a low cost way to attend doctor appointments and buying affordable prescription drugs if needed. If you become seriously ill or injured, your health plan could cover emergencies and some or all of your surgery bills.

The negative side states that there is always a concern for people that if their insurance plan doesn't cover the illness or surgery they need, or it doesn't cover enough of the bill they would have to pay the remaining balance. But also in certain instances, they may apply and be denied coverage altogether.

I am on the affirmative side because I believe that there are some insurance companies out there that are willing to work with people's situations, and will try their best to make sure their costumers get the best affordable plan.

http://patch.com/pennsylvania/foresthills-regentsquare/bp--pros-cons-to-having-health-insurance-3935cfce

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Whole Life Insurance
The affirmative side states that the policy for whole life insurance guarantees premiums for life. Also, whole life insurance is permanent. As long as someone pays the premiums, their beneficiaries will receive death benefit no matter when the person dies. With a term policy, beneficiaries don't receive anything. Whole life insurance is the only type of life insurance with many guarantees.

The negative side states that whole life insurance is more complex than any other type of life insurance because it has more features. Whole life insurance is also more expensive than other types of life insurance. Whole life premiums remain level, but are higher than other forms of life insurance.

I am on the affirmative side, because once I die I would like my family to get receive money and not let it go to waste. Whole life insurance is permanent and has many guarantees, which I think is a good policy.

http://www.bankonyourself.com/whole-life-insurance-pros-cons

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should we have Obama care

pros:
some people

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Short Term Health Insurance

PROS: Very affordable premiums that can cost half of what is charged for an Affordable Care Act health plan. Applications for insurance can be made any time during the year.

CONS: No coverage of pre-existing medical conditions. Health status and pre-existing conditions evaluated as part of application approval process; applicants can be rejected.

https://www.agilehealthinsurance.com/health-insurance-learning-center/pros-and-cons-of-different-types-of-health-insurance

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Pros

Affordable bills that cover large amounts of cost of hospital bills, medications, and more.

Savings can be used to buy other care such as dental or vision coverage

Accepted in almost all hospitals and clinics in the U.S.

Applications for insurance can be made any time during the year

Cons

No coverage of pre-existing medical conditions

Applicants can be rejected

Prescription drugs may be uncovered

Maternity coverage is excluded

My opinion

It helps

Makes things free-ish

https://www.agilehealthinsurance.com/health-insurance-learning-center/pros-and-cons-of-different-types-of-health-insurance

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Short Term Health Insurance
Pros- The price of the premiums can be half as much as much as the Affordable care act
-Applications for this insurance can be made anything through out the year
-Premiums can be used to pay other care such as dental and vision coverage
Cons- No coverage of pre-existing medical conditions
-Prescriptions can restrict coverage or may not be covered at all.
-Some benefits may not be included

I am for the pro side because if you don't have a lot of money but need some coverage this could be very helpful and could be helpful if you care in and out of different insurance or are maybe moving.

https://www.agilehealthinsurance.com/health-insurance-learning-center/pros-and-cons-of-different-types-of-health-insurance

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High- Value Livestock Mortality Insurance

Pro-
1. This protects you in a major loss of money when livestock are killed by covered accident, injury, sickness, or disease, theft, fire, lightning, windstorm, hail, collision or upset while in transit, accidental shooting, drowning.
2. They can also protect you when your livestock become prey. is you live is insured the conservation society will pay full price for the lose of an animal.

Con-
1.  Can be costly depending on how much your animal cost.  Say you have a heifer the cost 5,000 it could cost you 800 to insure her and if she never died people would say you wasted money.
2.  Insurance can be very pick and you must have good proof or an autopsy with can be costly.

Opinion I'm on the pro side. When you are in the livestock industry you gamble a lot we have insurance on all of our animals and we would take a big hit if one died and we had no insurance on it.
https://www.thehartford.com/business-insurance/livestock-insurance

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Homeowners Insurance
Pro:
1. Homeowners insurance covers large damage that you many not otherwise be able to cover.
2. Covers accidents and replaces lost or damaged items.

Con:
1. It doesn't cover flood damages or freezing of plumbing.
2. It can be expensive and is an extra monthly payment.

Opinion

http://513763218198222845.weebly.com/pros-and-cons-of-homeowners-insurance.html

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Should all Americans have the right to Health Care?
People on the affirmative side say starting a right to health care could lower the cost of it in the US. The right to health care is a human right. Rights to health care can make medical services for everyone cheaper and could stop medical bankruptcies.
People on the negative side say that  rights to health care can lower earnings for doctors. People should have to pay for their health care and not have it payed by the government, and it could raise taxes.
I believe that taxes would go up, if health care was provided for people by the government. I also believe that some people can't afford health care, and could need help from the government.
http://healthcare.procon.org/

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Affordable Care Act Insurance
The affirmative says that with the insurance comes a broad array of health insurance benefits. There is no review of health status and the applicant will not be rejected due to health.
The negative side says that the insurance is often expensive without premium subsidies. In many locations, especially rural areas, only one insurer is allowed to sell this insurance. Also you can not enroll for the insurance outside of the enrollment period.

I think that the Affordable Care Act is good to those who have access to it and those who need it. I think there are any loop holes that the government can use to get extra money from its customers. But for some it is very beneficial so I believe it is a good thing.

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Should we have dental insurance?
The affirmative side-Your health is related to your teeth. It prevents oral cancer. Someones die from oral cancer every hour in the U.S. It also prevents you from having gum disease. A dental cleaning every six months helps to keep your teeth and gums healthy that can reduce your risk of heart disease and strokes.

The negative side-Dental insurance can cost more than paying out of pocket if you don't have dental problems. If you don't have dental insurance you don't go to the dentist as much or do the dental work you need like braces or root canals.

I'm on the affirmative side because, if you go to the dentist as a child a lot of dental problems and health problem will be solved earlier. The other thing is it gets you in good habits of going ever six months and taking care of your dental problems right way instead of waiting.

http://www.benefitspro.com/2011/08/22/top-10-reasons-why-people-need-good-dental-care

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Basic Car Insurance
The affirmative side states having basic car insurance will protect you from an expensive lawsuit if you are the cause for an accident. Basic car insurance also costs less.
The negative side states basic car insurance will not cover the cost of any damage done to the vehicle. This will cause a lot of money to come out-of-pocket. If you are not the cause for an accident but hit an uninsured motorist, you may have to pay a lot of money anyways.
I am on the affirmative side because although you may have to pay the cost for damage, you are protected from a law suit. This is very beneficial and basic car insurance is cheaper than some other insurances.
http://www.carinsurancecomparison.com/pros-and-cons-of-purchasing-basic-car-insurance/

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Pros- Provides healthcare for those who can't pay high price for it. It's meant to cover all americans.

Cons- It's forceful and if one doesn't want to have Obamacare they are fined. Which is stupid.

My opinion- I personally don't support it because it's forceful, and I don't think its right to charge a fee if someone doesn't want to pay for Obamacare

http://www.healthline.com/health/consumer-healthcare-guide/pros-and-cons-obamacare

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Should everyone get Health care.

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should everyone get health care
pros- it can lower the cost of health care in the u.s
could save lives
cons- can increase the debt
can increase wait time for meds
my side- sure why not keeps people paying money
http://healthcare.procon.org/

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Is everyone entitled to health care?
Pro:
1) More lives would be saved.
2)  With more people on it, the price would be cheaper.
3) The overall health of America will decrease.

Con:
1) Taxes would be raised.
2)  We would need more doctors.
3)  Would increase wait time for many medical services.

My Opinion:
I am on the con side. Doctors are short handed now and with more people receiving health insurance then the wait time to get into the doctor's office is longer.

http://healthcare.procon.org/

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Should the government mandate health insurance?- Abby

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Should the government mandate health insurance?- Abby

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Pros- The mandatory health insurance eliminates the possibility of being rejected due to poor health. Uninsured people increase the costs for everyone else, due to not having insurance. Uninsured people also degrade the quality of medical care due to the lack of funding.

Cons- Just because something is mandated, doesn't make it happen. It is like having a 55 mph speed limit. Just because there is a speed limit doesn't mean people are going to abide by it. Mandatory health care could also decrease the quality of health care for everyone due to the lack of funding and the increase of recipients.

I think everyone should have the chance to have life-saving treatment. There are way too many people who die due to the lack of funds for health care.
http://debatepedia.idebate.org/en/index.php/Debate:_Mandatory_health_insurance