Correctomundo. How cool is that?Unless you're union. Then, you get various exemptions.
Correctomundo. How cool is that?Unless you're union. Then, you get various exemptions.
I saw someone online make 2 valid points.
1) Healthcare reform was about more than a website.
2) Theoretically they could have done everything through snail mail and it wouldn't have been any faster than websites that are you know improving.
I would like to add another not-so-valid, the people making the biggest stink about this just happen to be the least objective who were against reform in the first place.
Is this guy seriously implying that we were worse off pre-obama care? Ok where are his numbers and metrics? All I see is buzzwords.1) Show your work. Explain how the pre-reform healthcare systems was beneficial, try by comparing it comparing it another countries system. Use some metrics and don't just repeat vague buzzwords.
2) websites can be fixed. In one year the only people who will remember the hiccups are the clueless dad lenders.
We are what, top 30? At least we were pre-Obama care. Now we cover "everyone" and yet I expect the quality to go down.Compared to other countries silky?
Was there a good reason our system cost more to cover less people?
We were #1 in how much we pay and how many people we had not insured.We are what, top 30?
I do not dispute the level of efficiency. Cost and coverage is the problem, yes? Now do you think ACA will address both of these issues?We were #1 in how much we pay and how many people we had not insured.
If you mean in overall quality, this your point? We are better than Paraguay?
Only if you go to doctors that "everyone" goes to. So a bunch of patient mills pop up that ferret through the checkups and other easy shit (like suddenly now you can get just about any shot at a grocery store, you'd think they found the cure for shingles in the dairy aisle) and that's what Obamacare pays for. What's the problem?We are what, top 30? At least we were pre-Obama care. Now we cover "everyone" and yet I expect the quality to go down.
I give a shit because I do not want to be forced into buying healthcare. I care because my bill went up by about 20%.Only if you go to doctors that "everyone" goes to. So a bunch of patient mills pop up that ferret through the checkups and other easy shit (like suddenly now you can get just about any shot at a grocery store, you'd think they found the cure for shingles in the dairy aisle) and that's what Obamacare pays for. What's the problem?
I mean, *I* ain't going to an Obamacare doctor. Are you? Then who cares about the quality of the SR-22 of healthcare? If you value healthcare, you're going to buy your way up past the rabble so who gives a shit?
And if you don't value healthcare...then...who gives a shit?
I give a shit because I do not want to be forced into buying healthcare. I care because my bill went up by about 20%.
Do you not see this the same way, Mrs. Wear? You've been buying healthcare for others your entire life and your bill has been going up because of spiraling costs. This is the first serious attempt to deal with it. The hostility on philosophical grounds is understandable but it's reality. Even the Tea Partiest Tea Partier doesn't dare touch old people healthcare which means even they choose to let you pay for that.There isnt a reality available where you are not forced into buying healthcare for others.
Oh I know that ever since I turned 16 and had my job, I started to pay into the system. My taxes went towards medicare, social security and of course war. As I said numerous times throughout several threads, I believe the government has tried numerous times to help the needy but instead only made it worse. This country used to have a strong sense of community at a time but now that is replaced by a large hand of the government which takes from one group and gives it to the other. This is not just immoral but plain inefficient. Why do you think things like lasik surgery keeps dropping in price when other types of surgeries keep rising?Do you not see this the same way, Mrs. Wear? You've been buying healthcare for others your entire life and your bill has been going up because of spiraling costs. This is the first serious attempt to deal with it. The hostility on philosophical grounds is understandable but it's reality. Even the Tea Partiest Tea Partier doesn't dare touch old people healthcare which means even they choose to let you pay for that.
As in in this nation or worldwide? Wouldn't you agree that is a problem when we think in such a way?There isnt a reality available where you are not forced into buying healthcare for others.
The idea that the US has historically had a strong sense of community is as much of a myth as Obama being a socialist. I'm sure you can hand pick a few examples which show a great sense of community (ie labor, social justice and helping thy neighbor) but we are no different than any other nation in the world in that respect. I think Obamacare sucks but not because of what is trying to do but rather because of all its shortcomings.Oh I know that ever since I turned 16 and had my job, I started to pay into the system. My taxes went towards medicare, social security and of course war. As I said numerous times throughout several threads, I believe the government has tried numerous times to help the needy but instead only made it worse. This country used to have a strong sense of community at a time but now that is replaced by a large hand of the government which takes from one group and gives it to the other. This is not just immoral but plain inefficient. Why do you think things like lasik surgery keeps dropping in price when other types of surgeries keep rising?
How else would an insurance system work? Your only choice is of many healthy people to subsidize the cost of a few sick ones. Otherwise the system crumbles.As in in this nation or worldwide? Wouldn't you agree that is a problem when we think in such a way?
I would disagree with you. I think communities were much stronger during WW2 and Great Depression. Possibly during colonial era as well. Other nations are quite different, I know because I come from another country.The idea that the US has historically had a strong sense of community is as much of a myth as Obama being a socialist. I'm sure you can hand pick a few examples which show a great sense of community (ie labor, social justice and helping thy neighbor) but we are no different than any other nation in the world in that respect. I think Obamacare sucks but not because of what is trying to do but rather because of all its shortcomings.
How else would an insurance system work? Your only choice is of many healthy people to subsidize the cost of a few sick ones. Otherwise the system crumbles.
All insurance is subsidized by the group. The idea is that most folks who pay for insurance (be it health, auto or home) will rarely use it. For example, if you have never filed an insurance claim, the money (ie premium) you pay every year ends up subsidizing the cost of the claims made by others (also don't forget the profit for the insurance company). That's how insurance works and that's how it has always worked. It is merely a way to mitigate risk by spreading it over the greater whole.So you are saying that is the only way we can have health insurance? Anything here works for an insurance company? Can you tell me if car, life or home insurance is subsidized by other customers instead of being determined by individual factors?
I agree. When faced with adversity we have shown a propensity to unite. That however is not the norm.I would disagree with you. I think communities were much stronger during WW2 and Great Depression. Possibly during colonial era as well. Other nations are quite different, I know because I come from another country.
Sure sure, yet it seems you are ok with the rising premiums. Surely you can agree that without unnecessary regulations and government involvement the prices would drop down, including for the very needy.All insurance is subsidized by the group. The idea is that most folks who pay for insurance (be it health, auto or home) will rarely use it. For example, if you have never filed an insurance claim, the money (ie premium) you pay every year ends up subsidizing the cost of the claims made by others (also don't forget the profit for the insurance company). That's how insurance works and that's how it has always worked. It is merely a way to mitigate risk by spreading it over the greater whole.
Are you implying that premiums haven't been going up over the last decade? Because last I checked they have (health care costs rose 170% over the last decade in CA, 62% nation wide). I think it is fair to say that rising premiums are not a direct reaction/response to ACA.Sure sure, yet it seems you are ok with the rising premiums. Surely you can agree that without unnecessary regulations and government involvement the prices would drop down, including for the very needy.
I received a letter sometime in September telling me price will go up sometime early next year and I am pretty sure they mentioned ACA. I wish I kept that letter.You keep mentioning your premiums rising. Are you claiming it went up 20% in a year or since ACA passed?
You realize premium went up before it was passed right and full implementation hasn't occurred yet?
No, I am not implying that. Yet we can not disregard the fact that ACA does have an effect.Are you implying that premiums haven't been going up over the last decade? Because last I checked they have (health care costs rose 170% over the last decade in CA, 62% nation wide). I think it is fair to say that rising premiums are not a direct reaction/response to ACA.
IMO, healthcare is not an area where the free market works well in. The idea of caring for society as a whole (comprehensive healthcare) rich and poor, young and old, does not jive with free markets. The poor are not capable of paying even the lowest of premiums. The old require too much care. That's why such things as medicaid and medicare exist. The government has to step in and subsidize the industry. True "comprehensive" healthcare cannot be done for profit. At the end of the day someone will have to carry the burden of paying these costs.
I think you'll have a hard time finding an example of a successful health care system based on free market principles but if you can feel free to share.I received a letter sometime in September telling me price will go up sometime early next year and I am pretty sure they mentioned ACA. I wish I kept that letter.
No, I am not implying that. Yet we can not disregard the fact that ACA does have an effect.
I would have to disagree with you on that. I believe a free market with limited and smart regulations would be the most beneficial form. Unfortunately I do not know of a good example in which a country had an unregulated healthcare but I will say that the quality has decreased in the last 30-40 years as government became more intrusive.
I recently needed a few fillings for my teeth and went to a dentist. She quoted me $3k so I saidthat and was seriously considering just flying to Asia and getting everything done over there which would still be cheaper after hotel, plane ticket and etc. Instead I did go to Mexico and had it done for $350. And no it was not some shitty place in a dark alley. So it makes on think what exactly is driving up the costs?
Funny. I was pretty sure that virtually everyone who voted to pass this "Affordable Care Act" - which is some kind of twisted government/giant health insurance company collusion - had a (D) after their name...Thankfully the giant health insurance companies already have the republicans and tea partiers to protect their very existence because we couldn't have the gubment running things, no not at all...
Yup. And now, folks are seeing their existing plans cancelled, being forced onto higher plans *and* get to pay subsidies for the insurance of other folks (which will be hidden in all those taxes you mentioned so that no one will really be able to estimate the true cost of the "Affordable Care Act"). Pretty genius plan, really.Those taxes are distorting the market prices of things you do happen to buy (in an upward fashion).
62% in a whole decade! That seems like a lot...Because last I checked they have (health care costs rose 170% over the last decade in CA, 62% nation wide). I think it is fair to say that rising premiums are not a direct reaction/response to ACA.
...but not as much as 66% in a single year.For months, Laszewski has warned that some consumers will face sticker shock. He recently got his own notice that he and his wife cannot keep their current policy, which he described as one of the best, so-called "Cadillac" plans offered for 2013. Now, he said, the best comparable plan he found for 2014 has a smaller doctor network, larger out-of-pocket costs, and a 66 percent premium increase.
And yet premium rates are plummeting ~50% in NY. The reality is that rates will go up for some and down for others. Hopefully it'll be a wash. End result being more people are receiving coverage.62% in a whole decade! That seems like a lot...
...but not as much as 66% in a single year.
Obviously, this is just one guy's story. Should be interesting to see where the chips fall on this one.
Well I would think an official letter from the insurance company would have some credibility.Ok so mr. wear has an insurance company that decided to get one last increase and blamed Obummer.
How is that evidence of anything?
Is it really a bad thing when we try to break things down in order to clarify the issue at hand?This thread has won my heart over. The fact that we've gotten to the point where the basic functioning and structure of insurance has to be explained. Priceless...
BTW, absolutely love the anecdote about first considering going to "Asia" then Mexico to get healthcare. Was the Mexico trip before or after they started their public run healthcare? Of course that "Asian country" was gonna be one that doesn't have a public run healthcare system, correct? Quick let us now which one that is.
Fact of the matter is nearly every first world country (and even some non-first work countries at this point) already have government run public healthcare options. Thankfully the giant health insurance companies already have the republicans and tea partiers to protect their very existence because we couldn't have the gubment running things, no not at all...
Absolutely, but as I mentioned above it seems that prices keep rising as the government is becoming more intrusive. One of the reasons why we had such a boom in the tech market unlike the healthcare is because government has not over-regulated the industry. Would you agree?I think you'll have a hard time finding an example of a successful health care system based on free market principles but if you can feel free to share.
Disagree. You are comparing apples and oranges. The tech industry does not need to cater to everyone. They can pick and choose their customers. For example, Apple doesn't have to worry about folks who cannot afford their products. It's not their problem. They don't need to cater to them.Absolutely, but as I mentioned above it seems that prices keep rising as the government is becoming more intrusive. One of the reasons why we had such a boom in the tech market unlike the healthcare is because government has not over-regulated the industry. Would you agree?
You would think wrong.Well I would think an official letter from the insurance company would have some credibility.
Even in universal systems, people are living longer (which costs more) due in part to technology (that costs) more it is a cycle.I was trying to argue. As the government becomes more involved and over-regulates the market, the higher the costs will be. Government was involved in the healthcare system for decades but it used to be cheaper so what is changing?
I saw that story on the news. It was interesting because the girl they interviewed who was losing her insurance was originally paying ~$65 /month. And that Obamacare would make her pay ~$200.
One can only hope. IMO, single payer is the ideal system. Doubt I'll see it implemented in my lifetime.Maybe Obamacare was a troll move to get people behind single payer.
Lets clarify something real quick, healthcare is not a right. Agreed?Disagree. You are comparing apples and oranges. The tech industry does not need to cater to everyone. They can pick and choose their customers. For example, Apple doesn't have to worry about folks who cannot afford their products. It's not their problem. They don't need to cater to them.
The health care industry is the complete opposite. It needs to account for the whole population. in any given year a small percentage of the population accounts for the bulk of the medical costs. These costs must be shared by all with no way of mitigating or eliminating this type of risk. If you were operating in a free market then you would run up against adverse selection. The point where healthy people do not deem it worthwhile to pay for coverage and the only people who are partaking are the sick individuals who have no choice but to seek coverage due to high medical costs. Thus, it is not possible to be inclusive of society as a whole. You cannot cover the medical expenses of every citizen without either incurring major losses or raising premiums to astronomical levels.
I am a strong proponent of the free market in most cases but I just don't think it can work for the health care industry. Simply because it has to cover everyone rich and poor, young and old, and everyone in between regardless of cost or risk.
K I guess Ill just write them back and tell em to stopYou would think wrong.
Even in universal systems, people are living longer (which costs more) due in part to technology (that costs) more it is a cycle.
However the systems were government is "more" involved. They spend half of what we do.
Pretty sure nasum and myself have had to explain the concept of risk pools ad nauseam, but as you know, there are always a new batch of morons that can't see the forest for the trees.This thread has won my heart over. The fact that we've gotten to the point where the basic functioning and structure of insurance has to be explained. Priceless...
BTW, absolutely love the anecdote about first considering going to "Asia" then Mexico to get healthcare. Was the Mexico trip before or after they started their public run healthcare? Of course that "Asian country" was gonna be one that doesn't have a public run healthcare system, correct? Quick let us now which one that is.
Fact of the matter is nearly every first world country (and even some non-first work countries at this point) already have government run public healthcare options. Thankfully the giant health insurance companies already have the republicans and tea partiers to protect their very existence because we couldn't have the gubment running things, no not at all...
Stopping you right there a) you will need more than just an assertion and b) you don't find life being a right while defending letting people die because they can't afford medical attention incongruous?Because it is not a human right. You have a few rights including life...
a) Its not an assertion. This country was founded on the rights I mentioned, not right to healthcare...Stopping you right there a) you will need more than just an assertion and b) you don't find life being a right while defending letting people die because they can't afford medical attention incongruous?