b_line
Well-Known Member
Is your plan through the marketplace?
Obamacare
- Thread starter RandyForRubio
- Start date
Is your plan through the marketplace?
RandyForRubio
Well-Known Member
Si.
D
Deleted member 848
Guest
Just get public healthcare y'all, trust. It's great. Literally the entire developed world thinks so.
candrew
Well-Known Member
ACA is a conduit to a public option. I believe that was the plan all along.
Only a matter of time.
mellow
Well-Known Member
Well, bring it on. It can't be worse than the current system and then maybe everyone will truly be covered.
Holy **** this. And the option to fight it by not being insured was taken away by the fines for being uninsured.
I have a family friend that decided about 15 years ago to dump insurance and put the money spent on premiums into a savings account. After paying for every health related thing over that time span, they came out way ahead. Like tens of thousands of dollars ahead. Now they get fined for doing this same thing. Utterly ridiculous.
AlaskanAssassin
Well-Known Member
As a young adult, I was much more conservative than I am now. I still lean right, but with regard to healthcare I completely agree with the liberals. That said, I don't see how the ACA really accomplished what needed to happen. Forcing everyone to buy insurance from for profit providers doesn't make sense, it just gives more power to the insurance companies.
The US spends 17.7% of it's GDP on healthcare costs. The second highest country in the world is the Netherlands, at 11.9%. This is a difference of 5.8% of our entire GDP, which is roughly a trillion dollars. The system is broken. A tweak (like the ACA) isn't going to solve the problem.
My belief is that some of the problem lies in the fact that people don't realize how much they are actually paying for healthcare. Most people get this through their employer. I have a high deductible plan that I pay $320 a pay period for. My employer kicks in $705 a pay period (a contribution many people forget about). If they weren't making this contribution, that money could be in my wallet! That's $1,025 per PAY PERIOD or $26,650 a year for health insurance for me and my family of 4. Meanwhile, my deductible is $8,000. Unless my family has some major accidents during the year, I'm NEVER going to hit that deductible amount (I haven't surpassed $4,000 in any of the past 3 years).
In other words, I'm paying $26,000+ a year for insurance that I will likely never use. This year, my wife and I have been paying for doctors visits in cash since they will give you a better deal if they don't have to go through your insurance company.
Universal healthcare would solve many of these problems. I would be fine with a 5% increase in tax rates if it meant universal care. The average family of 4 makes $60,000 in this country. A 5% increase in taxes would be $3,000 more in taxes for the average family(realize that I now pay $26,000 + for crappy coverage). I know the 1%-ers will end up paying more, but for most of America, they would save a TON by this method.
I'm not sure why people (even republicans) are so afraid of this concept. We already pay (with tax dollars) for healthcare for much of the country. Veterans, impoverished, elderly, Native Americans, Active Military, etc. Our tax dollars are already paying for many of these people to receive care. Might as well throw the rest of us into the mix as well and save the average American TENS OF THOUSANDS of dollars every year.
The US spends 17.7% of it's GDP on healthcare costs. The second highest country in the world is the Netherlands, at 11.9%. This is a difference of 5.8% of our entire GDP, which is roughly a trillion dollars. The system is broken. A tweak (like the ACA) isn't going to solve the problem.
My belief is that some of the problem lies in the fact that people don't realize how much they are actually paying for healthcare. Most people get this through their employer. I have a high deductible plan that I pay $320 a pay period for. My employer kicks in $705 a pay period (a contribution many people forget about). If they weren't making this contribution, that money could be in my wallet! That's $1,025 per PAY PERIOD or $26,650 a year for health insurance for me and my family of 4. Meanwhile, my deductible is $8,000. Unless my family has some major accidents during the year, I'm NEVER going to hit that deductible amount (I haven't surpassed $4,000 in any of the past 3 years).
In other words, I'm paying $26,000+ a year for insurance that I will likely never use. This year, my wife and I have been paying for doctors visits in cash since they will give you a better deal if they don't have to go through your insurance company.
Universal healthcare would solve many of these problems. I would be fine with a 5% increase in tax rates if it meant universal care. The average family of 4 makes $60,000 in this country. A 5% increase in taxes would be $3,000 more in taxes for the average family(realize that I now pay $26,000 + for crappy coverage). I know the 1%-ers will end up paying more, but for most of America, they would save a TON by this method.
I'm not sure why people (even republicans) are so afraid of this concept. We already pay (with tax dollars) for healthcare for much of the country. Veterans, impoverished, elderly, Native Americans, Active Military, etc. Our tax dollars are already paying for many of these people to receive care. Might as well throw the rest of us into the mix as well and save the average American TENS OF THOUSANDS of dollars every year.
I don't get these high deductible insurance plans at all. It is basically catastrophic-only coverage at that point for almost everybody. How can the cost of health insurance be over $1000/month when there is a $6000-$8000 deductible? That makes no sense to me at all.
I was pretty bummed that I now have a $200 deductible and my out of pocket premiums are $260/month.
I was pretty bummed that I now have a $200 deductible and my out of pocket premiums are $260/month.
AlaskanAssassin
Well-Known Member
Is having catastrophic coverage by the government but making citizens pay for routine care a happy medium (i.e. cut insurance companies out of the loop)? We could use HSA accounts and pay for medical expenses on a pre-tax basis.
b_line
Well-Known Member
With no subsidies, my plan for my wife and I with two kids is $591 monthly. We have a $2000 family deductible and a$3,000 max out of pocket. Our plan is hard to navigate due to it being an hmo, but we feel very fortunate to have the insurance coverage we do.
We have to get a new plan as we are moving to a different state and we will pay a little more, but our new plan is non hmo so it should be worth the extra $125 per month we were quoted.
I don't know the specifics of the costs in other states, but people in utah and idaho should find it fairly simple and cost effective to get good health care coverage.
We have to get a new plan as we are moving to a different state and we will pay a little more, but our new plan is non hmo so it should be worth the extra $125 per month we were quoted.
I don't know the specifics of the costs in other states, but people in utah and idaho should find it fairly simple and cost effective to get good health care coverage.
J
JAZZGASM
Guest
I agree that the idea of socialized medicine could be good, but based on other government run programs, I am not sure how good it will work.
D
Deleted member 848
Guest
How good it will work? Look around the ****ing world man! Society doesn't stop functioning outside US borders
What? I replaced it with the non-drunk one so his wife wouldn't find out.
That's not okay?
J
JAZZGASM
Guest
I can look inside our borders to see how well all the other government run functions work and to see the issues with the exchanges, etc. Not to mention, our current overpriced healthcare pays for the majority of innovations in medical and drug research that benefits countries with socialist medicine who get the latest innovation at our expense. If we go that path, medical funding will drop significantly.
Joe Bagadonuts
Well-Known Member
The bolded sentence is something socialists don't seem capable of comprehending. Capitalism is the breeding ground for innovation. Medical advances aren't being made in response to the Canadian market. There simply is not enough money in it. Canada benefits from the fact that new technology is very inexpensive to deliver once it has been developed. Pharmaceutical companies are the perfect example of an industry that relies on making a huge percentage of their profit in America. If not for this market a large percentage of the R&D money would dry up. The risks of litigation, which are also much greater in the US than elsewhere, are an additional reason that our costs are high. I wonder what percentage of the revenue generated from pharmaceutical class action lawsuits ultimately ends up in lawyers pockets. The major health reform I'd like to see regards litigation, but I honestly have no idea how that could be accomplished.
It's pretty much the case that we've always had medical care providers doing some public service for those who can't pay. We have hospitals doing a lot for illegals who can't/won't pay and the govt requires them to do stuff by mandate/rules/threats. . . and the costs get passed on to those with insurance or who can pay. Cash customers can get concessions on prices in settlement offers and such, so all the free care gets charged to the insurance or govt.
still, some people like Dal might be happy with a level of care I wouldn't accept. I'm fussy, I know. I just want my decisions in my hands more.
fishonjazz
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Lol