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1973- Nixon signed legislation that mandated employers who provided healthcare insurance to employees to offer at least one HMO option. That action changed the intent of healthcare insurance.
Insurers reacted and the PPO networks were created to compete with HMOs.
which is why health insurance...if base on what insurance is... the premiums should be based on the risk...and should be ala-carte
a driver with too many tickets or accidents will have difficulty getting insurance...and pay through the nose...because he/she is a risk..... health ins should be the same
personally I want ALL INSURANCE (government and private) ABOLISHED.... its my health, its my body, its the service I choose, its my bill...I don't want ANYONE paying my way, sorry but I have too much pride to beg
Insurance is nothing more than a transference of risk in exchange for a premium.
The premium grants the right to make claim for a benefit.
I have no issue if you choose to forgo healthcare insurance. Federal Law requires the ER to stabilize you, regardless of insurance or ability to pay. This does not mean they won’t bill you, especially if you are employed and/ or have assets.
Makes no diff to me if you choose to not insure your healthcare risks and self- pay.
It is reasonable to assume the 672 year history of insurance is not going away, no matter your preference.
All insurance, not just healthcare, mutualize risk.
The premiums paid by people without claims are used to pay other people’s claims.
When you finance an auto or a home, your lender requires you to insure the risk of loss.
If you live in a designated flood plain, your lender will also require you to purchase federally underwritten flood insurance. Premiums are not nearly enough to cover claims of loss. The tax payers in Arizona end up subsidizing floods in Texas and Oklahoma.
You own a car outright, your state requires you to maintain some semblance of liability insurance.
If you have term life insurance, you don’t get a refund if you don’t die.
You all realize that the maximum FEMA flood insurance claim payout on an insured's home is $250,000, no? And, depending on risk zone, the annual premium for that $250,000 worth of insurance can be $7,000+/year.
The cost of the premium is most definitely based on the risk. And the insured are rarely made whole after a flood-based disaster damages/destroys their home given the very low maximum claim amount.
Government can, and does increase their costs to you whenever they want. There is no market, nor competition to reign in their spending nor their taxes, fees, and surcharges. You are totally at their mercy. See what happens when you don't pay the IRS, or your property and real estate taxes. Guys with GUNS show up to remove you.
Government can, and does increase their costs to you whenever they want. There is no market, nor competition to reign in their spending nor their taxes, fees, and surcharges. You are totally at their mercy. See what happens when you don't pay the IRS, or your property and real estate taxes. Guys with GUNS show up to remove you.
Yep. Homes have been foreclosed on, taken from their owners, and sold at a tax auction for as little as an $8 outstanding balance on a real estate tax bill.
Its a myth that single payer in America would be more than twice as expensive as the current absurdly expensive system.
It's not a myth.
Americans are abusive. They abuse everything. It's a cultural thing.
When I had to take my soldiers to sick-call, it was a freaking 90 minute drive to Landstuhl Army Regional Medical Center. There were so many military dependents there -- you know, civilians -- it took the better part of a day for my troops to get seen, even though military personnel are supposed to have priority over dependents.
Starting October 1986, there was a new policy: $10 co-pay for dependents.
Now when I took my troops down, there wasn't any civilian dependents there and my troops were in and out in no time flat.
Why? Because it wasn't "free" any more.
That's exactly what Bernie's system will be like.
You'll have 90 Million to 110 Million Americans abusing the system every which way but loose driving up costs astronomically.
Quote:
Originally Posted by PCALMike
Its Wall Street who run our health care system.
No, wrong.
Quote:
Originally Posted by PCALMike
It makes no sense that a for-profit system would be cheaper. No sense.
That's because a) you don't understand business and b) you don't even understand how your system operates.
Repeat after me 1000x: It is the cost of medical care that determines the cost of health insurance.
Let us know when you can wrap your brain around that.
Quote:
Originally Posted by normstad
But, as I posted previously, the life expectancy of those over 65 still is higher in Canada than the USA. Explain that.
Culture, which is something you can't wrap your brain around.
Quote:
Originally Posted by normstad
So, you agree, Canada is better. Cool.
I don't agree, but I do notice you couldn't refute any of the facts.
Quote:
Originally Posted by ottomobeale
Until you reign in big pharma, the AMA and big hospitals, ...
Pharmaceuticals are a drop in the bucket and the AMA is not your problem.
Your problem is your governments, the AHA -- not the AMA -- and your hospital monopolies.
Americans are abusive. They abuse everything. It's a cultural thing.
When I had to take my soldiers to sick-call, it was a freaking 90 minute drive to Landstuhl Army Regional Medical Center. There were so many military dependents there -- you know, civilians -- it took the better part of a day for my troops to get seen, even though military personnel are supposed to have priority over dependents.
Starting October 1986, there was a new policy: $10 co-pay for dependents.
Now when I took my troops down, there wasn't any civilian dependents there and my troops were in and out in no time flat.
Why? Because it wasn't "free" any more.
That's exactly what Bernie's system will be like.
You'll have 90 Million to 110 Million Americans abusing the system every which way but loose driving up costs astronomically.
No, wrong.
That's because a) you don't understand business and b) you don't even understand how your system operates.
Repeat after me 1000x: It is the cost of medical care that determines the cost of health insurance.
Let us know when you can wrap your brain around that.
Culture, which is something you can't wrap your brain around.
I don't agree, but I do notice you couldn't refute any of the facts.
Pharmaceuticals are a drop in the bucket and the AMA is not your problem.
Your problem is your governments, the AHA -- not the AMA -- and your hospital monopolies.
Do you understand the difference between cheaper system overall and "free" system.
Nobody says that a better overall solution shouldn't have copays/deductibles. It should.
Unless YOU are a multi-millionaire, you're going to run out of money if a calamitous illness hits you or your family. Healthcare is a right, not an option like a sunroof on a vehicle.
What will YOU do when you run out of money, just wither away, suffer and die? Because under your scenario, that is your only option.
And why should I be responsible pay for some other persons misfortune?
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