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Thread: Obamacare insurance premium increase.

  1. #101
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    Default Re: Obamacare insurance premium increase.

    Quote Originally Posted by rickdugan View Post
    The problem is that older people need, on average, much more than 3x the care that the younger people do. Shifting the premium multiple from 3x to 5x just allows insurance companies to more accurately allocate the true costs of care. That way I no longer have to pay higher premiums for five people just to pay for the care of early retirees and other "older" people.

    Oh, and the insurance for a 25 year old is not "free" just because she is on a parent's plan. If it is an individual marketplace plan, then the parent also has to pay a bloated premium on the child's coverage in order to finance the artificially low premiums charged to the aforementioned early retirees. But not all 25 year olds have parents who are able or willing to extend coverage anyway, so let's not assume facts not in evidence.

    Oh yeah, and those numbers are goofy for the following reasons: (1) Many young individuals can get coverage at far lower than 8k per year; and (2) tax credits would also apply unless the older person is wealthy, in which case he/she can afford to pay for his/her medical coverage anyway.
    and the CBO estimates that if that goofy plan you support gets passed, 24 million people will lose their health insurance. If you don't make enough money with your goofy business to make ends meet, then get a job with benefits, instead of taking health insurance away from 24 million people. You could also stop contributing money to your goofy church that protects priests who rape children and fights to take contraception away from women, and use that to pay for your health insurance.

    Since you're incapable of disagreeing with someone without making nasty, condescending comments, this will be my last response to you. I'm placing you on ignore. I should have done this long ago.
    Last edited by eagle2; 05-18-2017 at 04:30 PM.

  2. #102
    God/dess rickdugan's Avatar
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    Default Re: Obamacare insurance premium increase.

    Quote Originally Posted by eagle2 View Post
    and the CBO estimates that if that goofy plan you support gets passed, 24 million people will lose their health insurance. If you don't make enough money with your goofy business to make ends meet, then get a job with benefits, instead of taking health insurance away from 24 million people. You could also stop contributing money to your goofy church that protects priests who rape children and fights to take contraception away from women, and use that to pay for your health insurance.

    Since you're incapable of disagreeing with someone without making nasty, condescending comments, this will be my last response to you. I'm placing you on ignore. I should have done this long ago.
    Eagle, as far as I know, the CBO hasn't scored the current version of the bill, which went through a lot of changes since the last version. We should probably wait before the CBO actually issues its score for the current bill before we debate how many people might lose insurance and whether that might be a net positive for many of them.

    As far as the rest, ouch. I just said that your numbers were a bit extreme and they were. I admit that I could have found a better word than "goofy" to convey that message, but there was no need for a meltdown over it.

    But I find your solutions interesting. My church, rapey priests and all, also happens to be the largest charitable organization in the world, doing more good works than I can count for the poorest in this country and in many others, including feeding hundreds of thousands of people, if not millions, every single day. For that matter, my small business, as well as the many other small businesses that are being put under strain by all of this, also feed a lot of people in terms of jobs and payments to vendors. So are you suggesting that all of those people should be left hungry so that early retirees can lay on the beach instead of seeking out gainful employment? So these early retirees, many of whom voluntarily reduce their income in order to retire early because someone else now has to pay for their healthcare, have more of a right to my money than hungry children?

  3. #103
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    Default Re: Obamacare insurance premium increase.

    I've got a neurologist calling and ranting at me the past two mornings. Why can't a large group of people start an insurance company ourselves? One that won't cheat doctors to the point that they aren't making money on their services, but the tests instead. Medicare is being dropped everywhere because they aren't converting basic costs (it isn't just the doctor's time, it's also the time the staff spend on the patient, the insurance, the building and general costs, the training staff have to go through yearly,etc).

    Set this unit up so whoever is head has an income cap based on the economy. Cut out sales reps and keep everything streamlined. Start it so preexisting conditions aren't accepted into a predetermined threshold of money saved is hit. Over all have checks to make sure to make sure there isn't over formatting and everyone is paid fairly. Also have checks like I'm Europe that cap the amount that can be spent on a patient. If you pay $1000 for 60 years you will never pay in a million, so perhaps a million is a good cap. A little over, especially since hopefully premiums won't be $1000, but stops stupid crazy spending on one person.

    Perhaps also have it so insurance for each doctor is processed monthly to help reduce man power instead of per patient. Just some ideas. Anyone have thoughts?

  4. #104
    Featured Member Zofia's Avatar
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    Default Re: Obamacare insurance premium increase.

    Quote Originally Posted by Rispy_Girl View Post
    I've got a neurologist calling and ranting at me the past two mornings. Why can't a large group of people start an insurance company ourselves?
    That is what is known as a mutual insurance company. There are a few out there. The bottom line though is there are enormous state and federal law barriers to entry. This creates obstacles for new players to enter the field. Look at the new and even higher barriers imposed by the ACA. Now, on exchange lots of states are down to just two or even one company offering plans. Off exchange there are a few more, in some states. In a few states there are more companies offering health care savings account plans that are pretty good. (Unfortunately not so in my state.) Reducing legal barriers to entry, allowing companies and mutuals to offer either cafeteria plans or multiple plans might work. But, government doesn't like to reduce barriers to anything. Even the AHCA, which is a step in the right direction, doesn't really reduce the barriers to entry all that much.

    Z

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