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Posted on 4/11/14 at 2:31 pm to the808bass
Stonehog, signing up for Obamacare and paying for it are two different things.
I signed up for emails for Amazon deals but I ain't buying them. Same thing.
I signed up for emails for Amazon deals but I ain't buying them. Same thing.
Posted on 4/11/14 at 2:34 pm to the808bass
quote:
If I open a buffet and charge $5.99 for the buffet and the average person eats $10 worth of food, I will go broke. If an insurance company knows that a diabetic with CHF and asthma is going to incur an average of $3000 of medical care a month, there's no reason to give them insurance for $250/month.
I don't know why people expect insurance companies to do things they would never personally do.
There is no underwriting in ACA. I often ask people: if your car insurance couldn't deny you, and had to charge everyone the same premium (regardless of driving history), how much do you think your bill would go up?
Similarly, if your bank couldn't deny a loan, and had to charge everyone the same rate regardless of credit history, how high do you think loan rates would go?
This is what happened with ACA. I'm not saying it's good or bad--having health insurance is obviously more fundamental than car insurance or a car loan. But math is math.
Posted on 4/11/14 at 2:36 pm to the808bass
quote:
Your numbers are so far off anything represented in that article that you'll need to start with a mea culpa and we'll work from there.
if you go by the RAND survey, the largest cause for uninsureds now receiving coverage was employment, by far
Posted on 4/11/14 at 2:37 pm to the808bass
quote:
I don't know why people expect insurance companies to do things they would never personally do.
I don't expect insurance companies to do a damn thing, they're for-profit organizations that will do anything for money.
If I have a pre-existing condition, I can get insurance now. Not sure why that's such a terrible thing to you.
Posted on 4/11/14 at 2:39 pm to Stonehog
You having insurance isn't a terrible thing. The government over regulating and limiting free choice is.
Posted on 4/11/14 at 2:39 pm to Stonehog
quote:
I don't expect insurance companies to do a damn thing, they're for-profit organizations
The largest insurer in Alabama (BCBS), isn't.
Many of them aren't.
Posted on 4/11/14 at 2:39 pm to CheeseburgerEddie
Limiting free choice by giving people more options?
Posted on 4/11/14 at 2:41 pm to Stonehog
limiting free choice by telling people what to do with their money
Posted on 4/11/14 at 2:41 pm to Grievous Angel
quote:
There is no underwriting in ACA. I often ask people: if your car insurance couldn't deny you, and had to charge everyone the same premium (regardless of driving history), how much do you think your bill would go up?
Similarly, if your bank couldn't deny a loan, and had to charge everyone the same rate regardless of credit history, how high do you think loan rates would go?
This is what happened with ACA. I'm not saying it's good or bad--having health insurance is obviously more fundamental than car insurance or a car loan. But math is math.
Now add in your new higher rate that you are going to be forced to pay, is currently partially subsidized for an unknown period, only to be taken away in the future
Posted on 4/11/14 at 2:42 pm to Stonehog
quote:
Limiting free choice by giving people more options?
You are not giving them options if you are forced to pay for maternity now, which is a very significant portion(75%) of the cost.
This post was edited on 4/11/14 at 2:46 pm
Posted on 4/11/14 at 2:44 pm to Grievous Angel
quote:
he largest insurer in Alabama (BCBS), isn't.
Many of them aren't.
in fairness, they are in the sustainability business, which in turn makes them somewhat for profit. if they were a true NP, they would be out of business.
ETA Three post in a row
This post was edited on 4/11/14 at 2:45 pm
Posted on 4/11/14 at 2:57 pm to CheeseburgerEddie
quote:
You having insurance isn't a terrible thing. The government over regulating and limiting free choice is.
Well unfortunately the insurance companies and medical providers were limiting free choice, so the government was forced to step in. What they(government) came up with isn't the best solution, but at least it's a start.
Posted on 4/11/14 at 3:04 pm to NYCAuburn
quote:
You are not giving them options if you are forced to pay for maternity now, which is a very significant portion(75%) of the cost.
Consider it like liability insurance for your car.
Posted on 4/11/14 at 3:04 pm to The Spleen
quote:
What they(government) came up with isn't the best solution, but at least it's a start.
Well doesn't that just let the cat out of the bag.
IMO ACA was never really mean to work. It's just a stepping stone to single payer. You know, "free" healthcare.
Posted on 4/11/14 at 3:08 pm to The Spleen
quote:
Well unfortunately the insurance companies and medical providers were limiting free choice, so the government was forced to step in. What they(government) came up with isn't the best solution, but at least it's a start.
The insurance agencies weren't the ones to come up with the idea of not being able to sell across state lines.
Posted on 4/11/14 at 3:12 pm to Grievous Angel
quote:
Well doesn't that just let the cat out of the bag.
I tend to agree, but I think if that was truly the intention the Dems and Obama would have pushed more for a public option.
Posted on 4/11/14 at 3:18 pm to Stonehog
quote:
Consider it like liability insurance for your car.
What in the holy frick are you talking about?
Posted on 4/11/14 at 3:20 pm to Stonehog
quote:
Consider it like liability insurance for your car.
Ummm......
Posted on 4/11/14 at 3:22 pm to Vols&Shaft83
Think about how women get pregnant and the analogy will make more sense.
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