Repealing Obamacare

[Gilligan]

You're not doing it right. Before walking out you must first demand they give you some dilauded for your sickle cell pain (because you are allergic to all other pain medicines), and get you a sandwich because your hungry, and last a taxi voucher because the ambulance won't drop you off at Walmart.

Wow. You are correct...I'm definitely not doing it right.

 

[seekeroftruth]

Single Payer .... the European Model

if you are old - looking at you 'seeker of truth' - you sit on endless waiting lists for treatment or your are deemed too old to save and are giving 'end of life' counseling and encouraged to 'not be a burden' to your children

if you were appalled by the Epi-Pen Story, why aren't you keeping up with what goes on in the UK -


Overcrowded Hospitals Overwhelm U.K.'s National Health Service


free does not mean good care

I'm not looking for free healthcare. Like I said, I'm interested in affordable healthcare. I'm not into prolonging life on your dime.

I just don't want lack of affordable insurance to be life ending. Waiting for care is just part of any HMO. I'm good...

 

[seekeroftruth]

You really have not been paying attention. The only insurance I could buy now is effectively "catastrophic coverage only" given the incredibly large deductibles that now characterize policies since Obamacare ruined everything. What was once considered "catastrophic coverage" is now the norm..except now it costs one hell of a lot more.

Sorry.... I thought I used the term Affordable Catastrophic Health Insurance that covers Pre-Existing conditions.

I don't want to bail out insurance companies but I don't want to drive them out of business either.

 

[Gilligan]

I don't want to bail out insurance companies but I don't want to drive them out of business either.

Have you noticed how many major insurance companies have completely bailed out of Obamacare exchanges (and in some cases, entirely out of the state altogether) throughout the US? And it's just getting started....

 

[Hijinx]

Have you noticed how many major insurance companies have completely bailed out of Obamacare exchanges (and in some cases, entirely out of the state altogether) throughout the US? And it's just getting started....

I don't know much about health care or insurance, but I am all for people with pre-existing conditions being able to get care.And of course their rates would be high.
I remember years ago we had what was called assigned risk automobile auto insurance. It was a way for people ho had screwed up repeatedly to be assigned to an Insurance company who had no choice but take them It was expensive, but people got insurance.

Wouldn't something like this have been more intelligent than the mess we have now.Even if it had to be subsidized. Insurance companies who sold insurance in Maryland or indeed all over the country, ( as Trump says insurance should cross state lines.)would be required to take on their fair share of people with pre-existing illness.

 

[SamSpade]

I don't know much about health care or insurance, but I am all for people with pre-existing conditions being able to get care.And of course their rates would be high.
I remember years ago we had what was called assigned risk automobile auto insurance. It was a way for people ho had screwed up repeatedly to be assigned to an Insurance company who had no choice but take them It was expensive, but people got insurance.

I remember when medical insurance covered hospital stays, surgery - BIG expenses. You didn't use health insurance to cover the doctor visit.
Of course, I also remember when doctors made house calls.

Ever look at the explanation of benefits some of you get in the mail, breaking down the charged cost, the network cost, the amount insurance covers - and what you paid?
It's outrageous. The costs for medical tests is even more.

I don't see how we put the genie back in the bottle, but the problem is that medical expenses are unbelievable, and the solution HAS to be to find a way to drive down prices.
Having government guarantee and pay for them is the perfect way to drive them UP.

But here's the problem - lives are on the line. Gas prices go up, people drive less, car pool, telework - they find ways to not use a car.
Medical prices go up - what do people do? Find a way to NOT LIVE for a year or two? There's no way around it. You can live without a car - you can't without medical care if you're seriously ill.

 

[GURPS]

I remember when medical insurance covered hospital stays, surgery - BIG expenses. You didn't use health insurance to cover the doctor visit.
Of course, I also remember when doctors made house calls.

a guy I worked with in the 1990's used to say;

in the 1960's before 'The Great Society' the average cost of a doctors visit was $ 12 bucks .....


I know anecdotal at best ....



this was interesting:

History of Health Spending in the United States, 1960-2013


How Government Regulations Made Healthcare So Expensive

 

[SamSpade]

a guy I worked with in the 1990's used to say;

in the 1960's before 'The Great Society' the average cost of a doctors visit was $ 12 bucks .....

I'm guessing in today's dollars that'd be about fifty bucks - which is a little more than the COPAY I pay for the same thing.
Worse, because my son's medication REQUIRES a monthly prescription - he must go every single month.
We exhaust our flex account every year by springtime.

 

[This_person]

I don't want to bail out insurance companies but I don't want to drive them out of business either.

What would having people join the pool, with pre-existing conditions, do to the insurance company if the person with known higher health costs is not asked to pay proportionally-higher premiums?

 

[Lurk]

What would having people join the pool, with pre-existing conditions, do to the insurance company if the person with known higher health costs is not asked to pay proportionally-higher premiums?

Quickly break the bank. It's why so many of the big insurance companies are abandoning PPACA.

 

[GURPS]

I'm guessing in today's dollars that'd be about fifty bucks ...

I am still chewing through this, but this very interesting


How Government Regulations Made Healthcare So Expensive

 

[stgislander]

My wife received her letter from CareFirst BCBS yesterday. The premiums for her Silver plan are going up 16.7% next year. From what I've read, that's much better than other states. Isn't the nationwide prediction an average increase of 25%? Still, at $602/month it's quickly becoming not affordable. I expect I'll see my letter today for my Bronze plan.

 

[GURPS]

I expect I'll see my letter today for my Bronze plan.

I have not gotten mine yet
[it was sitting on the table, it came yesterday]


Silver Play - My Wife and I same provider as you Carefirst
last yr my payments were $ 6xx - subsidy = 368 [IIRC I'm a little fuzzy on the numbers]
this yr my payments were $ 771 - 359 = 412

Next years payment will be $ 1078

 

[chernmax]

Repeal Obamacare!

 

[itsbob]

A compromise..... that's what I'm talking about. Instead of repealing the Affordable Care Act [Obamacare] let's put the government to work and make it affordable for everyone. I was appalled at the EpiPen stories.

Sure, I appreciate the student loans and malpractice insurance doctors have to pay. I get that.

If I can't afford health insurance [based on my pre-existing conditions] I will absolutely die an agonizing death.

Why should the government have ANYTHING to do with your health, or your health insurance??

You say yourself you have Medicare.. does ObamaCare cover your supplemental?? How is the demise of Obamacare going to effect you, exactly??

The plus side is the day of affordable premiums and $300 deductibles could return for families.. now, ANYONE in your family gets sick and needs healthcare insurance covers NOTHING up to and above 10 - 12,000 dollars.. YOu say your costs in hospital are $190 a day.. how much a day would you pay if you had a Gigantic deductibe?? $900?? $1200??

YOu complain about your costs, but in comparison to a family.. I'm not sure there is much comparison.. and awful selfish for you t want to keep YOUR insurance (which you would anyways) while others are suffering and possibly losing everything they own..

How very Christian of you.

 

[itsbob]

My wife received her letter from CareFirst BCBS yesterday. The premiums for her Silver plan are going up 16.7% next year. From what I've read, that's much better than other states. Isn't the nationwide prediction an average increase of 25%? Still, at $602/month it's quickly becoming not affordable. I expect I'll see my letter today for my Bronze plan.

Whats your deductible with the Bronze Plan?? Isn't that the plan with the highest deductibe to keep your premium costs down (REALLY hard to say with a $600 a month premium)


Also.. if you look at Obamacare and look at the damage it's doing to the overall economy.. the ripple effect is ginormous.. EVERY family that pays $600 - $1200 a month in Premiums.. that's (what used to be) disposable income that is NOT going into our economy.

Multiply health care costs by the number of families and you are talking TRILLIONS of dollars that are NOT being put back into our economy.. cars not being bought.. houses not being bought or sold.. Vacations not being taken.. Braces for kids not being bought..


And if you get sick and have to cover your 10 - 15000 deductible?? That's a kids college education going up in smoke.. retirement being years further down the road.. a new car being put off another 3 or 4 years.. Your financial plans would have to significantly change IF you can even afford to pay your deductible.. Or are you going to go on a 5 - 10 year payment plan to pay your deductible and PRAY you don't get sick again in that time frame so the debt just continues to grow..


The devastating damage of Obamacare has just started..

 

[Hijinx]

Whats your deductible with the Bronze Plan?? Isn't that the plan with the highest deductibe to keep your premium costs down (REALLY hard to say with a $600 a month premium)


Also.. if you look at Obamacare and look at the damage it's doing to the overall economy.. the ripple effect is ginormous.. EVERY family that pays $600 - $1200 a month in Premiums.. that's (what used to be) disposable income that is NOT going into our economy.

Multiply health care costs by the number of families and you are talking TRILLIONS of dollars that are NOT being put back into our economy.. cars not being bought.. houses not being bought or sold.. Vacations not being taken.. Braces for kids not being bought..


And if you get sick and have to cover your 10 - 15000 deductible?? That's a kids college education going up in smoke.. retirement being years further down the road.. a new car being put off another 3 or 4 years.. Your financial plans would have to significantly change IF you can even afford to pay your deductible.. Or are you going to go on a 5 - 10 year payment plan to pay your deductible and PRAY you don't get sick again in that time frame so the debt just continues to grow..


The devastating damage of Obamacare has just started..

Oh man are you in trouble. I said this very same thing last week and Tommy Jo jumped all over me.

 

[stgislander]

Whats your deductible with the Bronze Plan?? Isn't that the plan with the highest deductibe to keep your premium costs down (REALLY hard to say with a $600 a month premium)

Yes, my Bronze plan deductible is $6000 which keeps the 2016 monthly premium less than $300. My wife's Silver plan is the one jumping up to $600/month. It has a $2500 deductible.

 

[Merlin99]

Yes, my Bronze plan deductible is $6000 which keeps the 2016 monthly premium less than $300. My wife's Silver plan is the one jumping up to $600/month. It has a $2500 deductible.

Why would you have two seperate plans instead of a single covering both of you

 

[Clem72]

Why would you have two seperate plans instead of a single covering both of you

If they don't have any children, it's probably (slightly) cheaper. New self plus one plans were supposed to bridge that gap.