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I agree 100% with Rand Paul on this Healthcare deal.
If more people pool their power, instead of individuals each applying for insurance, you will not have to kiss the insurance companies asses, the insurance companies will be begging you to do business with them, when you have existing conditions or high risk. Your in a pool with a lot of monetary power and what makes the world go around?
I agree 100% with Rand Paul on this Healthcare deal.
If more people pool their power, instead of individuals each applying for insurance, you will not have to kiss the insurance companies asses, the insurance companies will be begging you to do business with them, when you have existing conditions or high risk. Your in a pool with a lot of monetary power and what makes the world go around?
Sometimes you ask funny questions.
Gravity is what makes the world go around. If not for the sun we would be hurtling through space in a straight line. Gravity probably won't help you get health care.
So why don't States just pool together various insurance companies with various tiers of coverage at various cost. Takes burden away from the employer. Individuals can add on eye insurance, health insurance for travel, dental, and pet insurance.
Have Crystal, Platinum, and Gold that cover pretty existing conditions, most expansive coverage, and low deductibles ($500, $1000, $1500).
Silver and Bronze mid range. Does not cover pretty existing conditions. Covers decent portion of care. Deductible is mid range ($2,000 & $3,000)
Copper (S) is basic and income adjusted. However, high deductible ($1,500). Not as extensive coverage. Added 2% fee added on to insurance payments goes to the State.
Copper is not income adjusted. Similar to Copper (S) basic, not extensive coverage and high deductible ($5,000). Eligible for tax rebate based off of the percentage yearly insurance cost deducted from yearly income. So say insurance cost $2,400 yearly and you make $80K. That's 3% of your income multiplied into $2,400 receive $72 back by the end of the year.
Then State Insurance is:
Tier 1 - Two year temporary insurance for individuals who are homeless or unemployed. No cost insurance paid by the State via taxes. Extensive coverage with no need for deductible. Basically universal health care.
Tier 2 - Similar to Tier 1. It is for individuals on Disability. Small payment for insurance that is adjusted based off disability income and not regular income.
Tier 3 - Is Income adjusted. For individuals receiving State Benefits. Extensive coverage and low deductible of ($1000).
Copper S would fall into Tier 4.
Then Religious Organizations, Universities, Hospitals, and Bussinesses can choose to open up their own Health Savings Account for others to use.
Universal health care for individuals over 65. Universal mental health care.
Well for one thing, health insurance isn't actually "insurance". It's more like a utility of sorts. I think a lot of the problem is that companies and the government try to run and regulate it as insurance but it's not insurance since claims are eventually inevitable.
Well for one thing, health insurance isn't actually "insurance". It's more like a utility of sorts. I think a lot of the problem is that companies and the government try to run and regulate it as insurance but it's not insurance since claims are eventually inevitable.
So you are saying that since health expenses are more likely than car accident expenses or house repair expenses, that it shouldn't be classified with auto and homeowner insurance?
So you are saying that since health expenses are more likely than car accident expenses or house repair expenses, that it shouldn't be classified with auto and homeowner insurance?
I'm not following the logic.
I'm saying that health insurance isn't actually insurance because claims are inevitable. Insurance is essentially a gamble by both parties. The insurance company gambles that they won't have to pay out a giant claim for the insured. The insured decides that it's better to pay out small amounts for coverage in the event of a catastrophic event.
Health insurance could qualify as insurance if it was solely for catastrophic incidents. But that's not what it is anymore. It's more like a service that people use on an ongoing and regular basis. Compare that with the model for auto or home insurance. It's completely different.
I'm obviously no leftist. But if we are going to pay for peoples' healthcare if they are unable to pay, then the insurance model isn't very efficient. It would be more efficient to have basic catastrophic coverage provided by the government. Everything else would be paid for with cash or people could subscribe for better service offerings.
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