Obamacare fine question (dollars, carry, government, federal)
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"Create" implies that there is a choice. ACA give you no choice, and therefore it is FORCED.
One can choose the level of risk they want to insure.
One can choose the carrier they want to insure them.
One can choose to not insures themselves and accept the consequences.
Too bad that there is no practical way to deny some level of medical service to those who choose not to take any responsibility for their own healthcare unless they could pay for service, when rendered.
As is, the cost of collecting and writing off bad debt is the cost of doing business and shared by all.
What, you think Congress will ever deign live like the rest of us?
Opinions are not facts. You made the claim that Congress has a beyond Cadillac Healthcare plan and it's free...
If you expect anyone to accept this as fact, please provide a link from a credible source.
There was a reason staffers were exempted from ALL requirements. Not by law, but by agency fiat. They were afraid that it might not be "good enough" for the elites who roam the halls of power.
Opinions are not facts.
A Republican Congressmen attached a bill to the ACA that required Congress and their staffers to obtain their insurance from private carriers on their state exchanges. That the federal government will continue to subsidize the cost of insurance by about 75%, as they do for all federal employees, has not changed.
One can choose the level of risk they want to insure.
One can choose the carrier they want to insure them.
One can choose to not insures themselves and accept the consequences.
Too bad that there is no practical way to deny some level of medical service to those who choose not to take any responsibility for their own healthcare unless they could pay for service, when rendered.
As is, the cost of collecting and writing off bad debt is the cost of doing business and shared by all.
Is that cost more, or is it less, than forcing everyone to buy a bad financial value ( Obamacare style insurance) and subsidizing all that purchasing with public money?
A Republican Congressmen attached a bill to the ACA that required Congress and their staffers to obtain their insurance from private carriers on their state exchanges. That the federal government will continue to subsidize the cost of insurance by about 75%, as they do for all federal employees, has not changed.
This began with an opinion that ACA will not deny claims. That's not the same thing as allowing people with preexisting conditions to buy insurance.
People who have been fortunate enough to be employed by employers who provide subsidized group health insurance were generally not denied coverage due to pre-existing conditions. Some states required a waiting time and some not so much.
People with individual policies and serious diagnosis often found themselves, in most states, in a position of being denied the ability to renew their insurance or buy insurance from another carrier. Such people may have been paying premiums for decades and found themselves uninsured once the going got tough.
There is no question that the inclusion of people with pre-existing conditions into new pools is a factor of the cost, no different than it is today for employer sponsored group health insurance or Medicare/Medicaid, for that matter.
I understand your point. And you are right.
However, a mass of people will hop off of private insurance because it will be cheaper in 2014. They will hop on the insurance when they need care and the insurance companies will have to pay out.
LOLOLOLOL Yes you did. Maybe you made a typo, but yes you said the fine was to force people from private insurance blah, blah, blah.
Where?
Here is my post.
Quote:
It looks like Congress, White House, etc. are not exempt.
The fining aspect is the means to move a bunch of people off of private insurance companies.
Initially, the fine is cheaper than having insurance.
By 2016, the roles reverse and it will be more expensive to pay the fine than to have insurance. But their hope is that by then, they will have drained the resources from the private insurance companies so that the government option is the only option remaining.
Oh yeah - throw in the fact that private insurance companies can not deny any claims - meaning people who do not pay into the risk pool can take resources from the risk pool. That will also help drain out insurance companies.
Then, yippee - single payer - which is also, single control.
Pretty devious if you ask me - in that this is NOT what was advertised for ObamaCare.
However, a mass of people will hop off of private insurance because it will be cheaper in 2014. They will hop on the insurance when they need care and the insurance companies will have to pay out.
If they fail to sign up by April, they will have no insurance until at least January of 2015. The notion that you can just sign up whenever you get sick or injured is incorrect. People can only "hop on" during open enrollment. Also, they can't change plans, for example, to one that covers more if they get sick except during open enrollment.
You see, in order to NOT pay the fine, you must buy QUALIFIED insurance plans.
Policies issued before 2010 ("grandfathered" health plans) don't have to adhere to all the new rights and protections offered by the Affordable Care Act.
Reality
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