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I hear this a lot from people who do not participate in the Marketplace.
You'll find that the "insurance" is not actually insurance.
It doesn't cover a thing until absurd deductibles are met. Deductibles that 95%+ of people will not reach. For example, I pay $280/month for one person and have an $8000 deductible.
The only thing my insurance covers is a limited list of preventative care(cholesterol and blood pressure checks).
A better term for this "insurance" would be "disaster insurance", because that's the only time you would be getting anything from it.
I would have no problem with it, if they didn't charge a 2.5% tax penalty to those who decided not to participate.
The government should not be in the business of forcing its citizens to buy a service from a third party.
It is seriously hurting the middle class. I don't make much money(just enough to not qualify for the tax credit) and $280/month is a sizable amount of my monthly income. I should not be forced to buy it.
This sums it up well.
What is the difference between being forced to subsidize other people's health "insurance", or pay a penalty. Or being forced to buy three cartons of cigarettes per month, or pay a penalty?
I would feel much better if I had health insurance. I believe it is a wonderful thing to have, and my life would be much closer to the utopia it should be, if I could afford health insurance. But it is no more affordable, and actually less so, to me now, than it was before the so called ACA.
It will likely not be repealed, but it needs a lot of work. And the unconstitutional penalty needs to go away.
When does the government subsidize my right to own a new Sea Ray?
To hell with those without Sea Rays. Right?
Put down the bong, get a job, and get your own.
The freedom, and ability to do just that, is what made the USA the place immigrants flocked to, in the first place. Now they flock here to pick at the carcass to get all the free stuff they can, while they still can. Because free stuff should be a universal right, so sayeth the left wing......so sayeth we all.
lol, sounds like the same ideas the GOP has been pushing since the ACA became law.
Just pray that you don't get cancer and have to pay for it out of that HSA. And the BS about selling insurance across state lines, there is no law that prohibits that. The law is that an insurer needs to be licensed in each state they want to sell insurance in. For years the insurance companies have been pushing this, but the goal isn't to lower premiums it's to allow insurers to set up shop in the state with the laxest regulations, just like the credit card companies did- they set up shop in states that had no interest rate limits and no consumer protection.
As for the rest of it;
what happens when to premiums when no one has to buy insurance?
annual and lifetime limits will return
exclusions for pre-existing conditions will return.
So you're saying that a horrible broken law that does more harm than good across the board must be left in place? Honestly, what's the up-side to not repealing the ACA?
Universal health care is too big to be run nation-wide. It's too massive and cumbersome. Let the state governments pick it up and run with it from here. That's how it should have been done all along. Running things from the federal level with a "one size fits all" approach is massively wasteful of taxpayer dollars. Doing it at a state level creates something of a competitive environment where each state is looking to do it better than the rest. If the quality of life is higher in Texas, people will move to Texas. If it's better in California, they'll move to California. If socialized medicine adds to the overall quality of life in your state, then the only logical thing to do is pick up the pieces of ACA post-repeal and run with it.
People who can't afford medical care do not have the option to move to Texas or California, that's just silly. And yes, the ACA is better than what we had, more people are insured and in the states that aren't run by looney tune politicians expanded medicaid has covered large numbers of people who previously had no insurance. Premiums are high, but they were high before, it's just that insurance companies can't sell you crap policies that covered virtually nothing for $100 a month like they did before. And if universal health care is 'too big' to run nationwide, how the heck do you think medicare manages to to provide great healthcare to 55 million Americans?
The GOP never has any ideas for nothing. I mean seriously...they've consistently been a thorn in the side of any progress and generally never pass anything out of Congress unless its tax cuts for the wealthy that dont work or rubber stamping any war anywhere at anytime
GOP=always useless
Apart from regulating interstate and international commerce, declaring wars, granting consent to judicial appointments and ratifying treaties, there isn't much else the legislature is authorized to do.
"Congress must act. Our elected representatives in the House and Senate must:
Completely repeal Obamacare. Our elected representatives must eliminate the individual mandate. No person should be required to buy insurance unless he or she wants to.
Modify existing law that inhibits the sale of health insurance across state lines. As long as the plan purchased complies with state requirements, any vendor ought to be able to offer insurance in any state. By allowing full competition in this market, insurance costs will go down and consumer satisfaction will go up.
Allow individuals to fully deduct health insurance premium payments from their tax returns under the current tax system. Businesses are allowed to take these deductions so why wouldn’t Congress allow individuals the same exemptions? As we allow the free market to provide insurance coverage opportunities to companies and individuals, we must also make sure that no one slips through the cracks simply because they cannot afford insurance. We must review basic options for Medicaid and work with states to ensure that those who want healthcare coverage can have it.
Allow individuals to use Health Savings Accounts (HSAs). Contributions into HSAs should be tax-free and should be allowed to accumulate. These accounts would become part of the estate of the individual and could be passed on to heirs without fear of any death penalty. These plans should be particularly attractive to young people who are healthy and can afford high-deductible insurance plans. These funds can be used by any member of a family without penalty. The flexibility and security provided by HSAs will be of great benefit to all who participate.
Require price transparency from all healthcare providers, especially doctors and healthcare organizations like clinics and hospitals. Individuals should be able to shop to find the best prices for procedures, exams or any other medical-related procedure.
Block-grant Medicaid to the states. Nearly every state already offers benefits beyond what is required in the current Medicaid structure. The state governments know their people best and can manage the administration of Medicaid far better without federal overhead. States will have the incentives to seek out and eliminate fraud, waste and abuse to preserve our precious resources.
Remove barriers to entry into free markets for drug providers that offer safe, reliable and cheaper products. Congress will need the courage to step away from the special interests and do what is right for America. Though the pharmaceutical industry is in the private sector, drug companies provide a public service. Allowing consumers access to imported, safe and dependable drugs from overseas will bring more options to consumers."
"Congress must act. Our elected representatives in the House and Senate must:
Completely repeal Obamacare. Our elected representatives must eliminate the individual mandate. No person should be required to buy insurance unless he or she wants to.
Modify existing law that inhibits the sale of health insurance across state lines. As long as the plan purchased complies with state requirements, any vendor ought to be able to offer insurance in any state. By allowing full competition in this market, insurance costs will go down and consumer satisfaction will go up.
Allow individuals to fully deduct health insurance premium payments from their tax returns under the current tax system. Businesses are allowed to take these deductions so why wouldn’t Congress allow individuals the same exemptions? As we allow the free market to provide insurance coverage opportunities to companies and individuals, we must also make sure that no one slips through the cracks simply because they cannot afford insurance. We must review basic options for Medicaid and work with states to ensure that those who want healthcare coverage can have it.
Allow individuals to use Health Savings Accounts (HSAs). Contributions into HSAs should be tax-free and should be allowed to accumulate. These accounts would become part of the estate of the individual and could be passed on to heirs without fear of any death penalty. These plans should be particularly attractive to young people who are healthy and can afford high-deductible insurance plans. These funds can be used by any member of a family without penalty. The flexibility and security provided by HSAs will be of great benefit to all who participate.
Require price transparency from all healthcare providers, especially doctors and healthcare organizations like clinics and hospitals. Individuals should be able to shop to find the best prices for procedures, exams or any other medical-related procedure.
Block-grant Medicaid to the states. Nearly every state already offers benefits beyond what is required in the current Medicaid structure. The state governments know their people best and can manage the administration of Medicaid far better without federal overhead. States will have the incentives to seek out and eliminate fraud, waste and abuse to preserve our precious resources.
Remove barriers to entry into free markets for drug providers that offer safe, reliable and cheaper products. Congress will need the courage to step away from the special interests and do what is right for America. Though the pharmaceutical industry is in the private sector, drug companies provide a public service. Allowing consumers access to imported, safe and dependable drugs from overseas will bring more options to consumers."
Cool story brah... How will allowing insurance across state lines help? Are insurance like tech companies with clear funding paths or have insurance companies becoming larger or more consolidated. Are we going to see a bunch of start up insurance companies?
Sounds like trump is telling a fairy story... It's amazing the same folks that bash Obama and ACA would swallow that populist nonsense...
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