Obamacare is a mess
EdsonNascimento
Posts: 5,521
So, the Feds can't pay for the money Obama promised in a law nobody read and now it's being blamed on a responsible Congress who refuse to fill the hole left by the colossal (purposeful) miscalculation by the prior regime? Crazy. As much as it hurts the insurance industry, I hope Congress holds fast and ignores ignorant people who don't understand that blame lies at the feet of those that put yet another untenable entitlement program in place without having the proper funding in place. Without the insurance companies payment, this scheme could not work and those smarter than the prior President knew that (though that's unfair. He's smart enough. He got it and also understood this would happen. That's why the timing of the main components going into place and when the bill came due was a time bomb set of whoever followed him).
And before you say single payer - this is effectively single payer. That's the problem.
If you understand what Obama did, you would be for its repeal too. It's easy to give money away. Especially someone else's.
And before you say single payer - this is effectively single payer. That's the problem.
If you understand what Obama did, you would be for its repeal too. It's easy to give money away. Especially someone else's.
Sorry. The world doesn't work the way you tell it to.
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http://www.reverbnation.com/brianzilm
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Appreciate it bro.
Also, fully agree with elimination of ACOs as they have been a complete boondoggle. That's not to say there haven't been a handful of successful ones, but on balance they've cost the system far more than they've saved. The fact is if all docs acted in their patients best interest like the successful ACOs and HMOs have, we wouldn't need all this forced systemic hysteria. Of course, that requires more clinical driven decisions than what goes on in most parts. And before you say hmos are the ones that don't do that, think again. There are problem ones no doubt. But there are far more providers that are not optimizing patient outcomes that are resulting in avoidable, preventable exacerbation that careful patient tracking and care could remedy. If we could somehow replicate the many good providers, we would be winning. However, inidvidual providers are not in position for many reasons to do so.
Sorry. I could go on, but there are patient based solutions that really would bend the cost curve which after all is what Obama promised. Funny, none of the folks with their hands out remember that teeny, tiny failure.
For example, when Bush put in Part D drug coverage into Medicare, he tried to balance overage and affordability. Was still extremely expensive, but at least he tried by providing a creative coverage solution. As was expected, the Dems then filled in the holes and yowzers. How expensive now? There needs to be prudence.
I don't think many don't agree with providing coverage. But let's be reasonable and require some checks and responsibility. Doesn't that seem a reasonable ask?
Unfortunately, that's impossible to do. But good job. Trillions of dollars spent not doing what was the stated intention - bending the cost curve. Everyone remembers the hand out. Nobody remembers the stated intention (not that anyone was fooled for one second on that).
That being said, other than direct expansion the Medicaid, they can simply let the market die its own death. So, the politically savvy thing is to postpone any fix for 2 years as the customers will join the screaming for a new way. Though, the blame will be wrongly placed at that point because most people are under educated on the facts of Obamacare. If it had been repealed 3 years ago, it would have been effective bc many of the meaningful parts hadn't been launched yet. But, obviously that was impossible as the 726 repeal votes proved.
If he makes that happen, I'll give him due credit.
http://www.reverbnation.com/brianzilm
This is another smart move Bush made in implementing Part D. He provided an incentive for employers to continue covering retirees and helping to finance the program. Of course Pelosi and her band of idiots slowly eroded that (though not completely) bc it was "helping the rich." Of course they ignored the fact that it was helping to fund the overall structure of a new benefit for Seniors.
It is amazing to me how little people know and understand about the financing of our healthcare system. People should make the effort to learn, and they'll see who's really taking measured approaches vs just spending money for sound bites. Giving shit away is easy when it's someone else's money.
Prior to Obamacare, my premiums and copays increased by double digit %'s year after year after year. The only times they didn't is when I was a union member and collectively we spoke up and since passage, my premiums increased in single % digits and have stayed flat for the past two years. But then again, I work in a state that embraced romneycare from day one and it's what?, only been a decade? And yes, I get excellent care.
So, what's Trump's solution? Here's a clue, he doesn't have one.
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Is your plan on the exchanges?
I've done union employee benefits. You guys were giving up other stuff to maintain those things, it's a choice, which is fine. You made that collectively. Wish we had that for Obamacare.
And not disagreeing with the rhetoric you sited, but it's just that rhetoric. Cut through that. How were the republicans given a chance? Obama and Pelosi rammed a 2,000 page bill through without allowing anyone to read it. Nice revisionist history in your part.
Why is it that all of our allies have universal health care? Is it really that bad of a concept? It is the 21st century afterall.
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Libtardaplorable©. And proud of it.
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Libtardaplorable©. And proud of it.
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And the US has universal health care? By what measure?
I agree with you once again often
EdsonNascimento up here we all agree that no matter what if you need healthcare you will receive the best no matter your situation.
We are all human.
just in case....I'm not talking about disabled people, although there are many who play the system as disabled.
If I wasn't born this way, if my family couldn't afford a quality education for me, my public school system wasn't able to assist me to excel, my family couldn't assist me in supporting my own ventures - my opportunity ceiling would be quite low. What you call "freeloaders" might legitimately be people at their opportunity ceilings: they're unemployable because they lack the skills because they couldn't afford the education to get them in the door to an environment which offered growth. They might also just be practical enough to see that the jobs that their opportunity ceilings afford them would generate less money than the welfare they consume - so which route is a person to take: hard work for nominal pay, or no work for slightly better pay?
These are not hypothetical questions, they are very real situations for many, many people. If you want to negate this question over who pays for health care - raise the opportunity ceiling for America's poorest (by education and by wealth), so that they can start to fend for themselves. Ensuring a quality education for all is a good start to combat the perception of perpetual destitution, which I'd guess many of these "freeloaders" you describe feel day to day - this is arguably the most critical tool to growth and empowerment.
EV
Toronto Film Festival 9/11/2007, '08 - Toronto 1 & 2, '09 - Albany 1, '11 - Chicago 1
I don't know how anyone can think it is a good idea when they advertise that they need to get healthy people to sign up and overpay s they can charge less for unhealthy people. Yes, it is good for people with existing conditions who are not in a group plan with their employment, but to me that doesn't justify it. Who would ever say overcharge good drivers so those terrible drivers can have more affordable auto insurance?
I was doing taxes this weekend and it was something close to 30% of my would be take-home pay went to benefits, it is insane! We are an average family, with just about average nationwide income, and to have 30% of my pay taken away when several years ago it would have been a fraction of that is unacceptable to me. And that is just my contribution, my employer pays about 60% of the benefits, which in reality is just taken out of my pay before I ever see it.
Do the math and it doesn't even make sense to have insurance anymore, but we have to. What I mean by that is you would think, like in a car accident, a major expense you would be happy to be covered and feel it was worth it for that year. Nope, not with health insurance. We had a baby last year, and with 3 nights in the hospital and delivery bills and all the other expenses involved we essentially broke even for that month-meaning our hospital bills had we not been insured is what our premiums for that month were (actually, to be fair, it would have taken 2 months of premiums to cover that cost). And that's freaking having a baby and staying 3 nights in the hospital, the average family will only have a handful of expenses in their lifetime that are more than that. SO every month that we do not have overnight hospital visits we are not even coming close to making it worth while. That to me is absurd, a situation like that should be a moment of "I'm sure glad we have insurance, otherwise how else could we afford this?" but it is far from that! If you got into a car accident and your insurance paid out your car for $3000, but your month premiums were $1500, wouldn't that be a waste? You could total your car every other month and still break even by not having insurance.
I personally know several healthy people who chose to not have insurance because their premiums would be so high (to make up for the rest) that they'd rather pay cash for all doctor visits and pay the tax penalty. And aside from some cancer diagnosis that requires years of treatment, they will have made the right choice financially.
I just cant justify the cost of coverage. And the increase is not inflation, inflation has not tripled in 8 years, I can still buy a donut for $0.59 at Safeway,
And the coverage is worse. My coverage used to include mental health, so we could see a psychiatrist. Not covered anymore, if my wife wants to see her psychiatrists she saw 8 years ago, its going to cost us $500/month. Aren't most of the mass shootings mental health issues? Shouldn't we be worried about that too? But since its not required now, its not covered.
Premiums have consistently risen for many years and actual benefits have declined. This is true. Where is the money going? Insurance companies.
And yet the U.S. is #42 in life expectancy. Canada, with healthcare for all, is #19.
But, feel free to interpret however you want. The point is, we have far more diversity and all that means both in terms of socioeconomic status, health issues, genetics and everything else that goes into both healthcare considerations and financing. So, I do apologize if my choice of words threw you off.