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Old Today, 08:41 AM
 
9,611 posts, read 2,365,260 times
Reputation: 4769

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Quote:
Originally Posted by AguaDulce View Post
My premiums were going up every year before Obamacare, and the deductibles as well.
...
As did everyone's. At a higher rate than before the ACA. Of course that is an ignored truth.

Doing nothing is not an option.
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Old Today, 09:08 AM
 
Location: Barrington
46,130 posts, read 34,195,929 times
Reputation: 15386
Quote:
Originally Posted by Rachel976 View Post
My prices WERE lowered. Trump enacted a new policy whereby pharmacists were no longer FORBIDDEN to tell customers of cheaper alternatives (as they were under Obama). This new "freedom" that allows a pharmacist to tell the truth about where you can get cheaper prescriptions has dropped my insanely priced prescription that was formerly around $500 (and yes, that's WITH Obamacare) by more than half - to slightly over $200.

And if it happened with me, it's the same with millions of others
Let’s take a deeper dive into this topic.

“ Gag Orders” were contract issues between some private pharmacies and some pharmacy benefit managers that handle prescription medication benefits for insurance companies. Not all benefit managers imposed “ gag orders” on all pharmacists. While I do not take any medications, my husband makes up for it. His scripts are filled by CVS who has historically disclosed less costly alternative meds. Obviously not all healthcare plans used benefit managers who imposed “ gag orders”.

The dif between your experience and mine are anecdotal.

States have been dealing with the “ gag order” issue for years. 16 states had already banned “ gag orders. When enough states take legislative action, momentum begins. It becomes easier to enact federal legislation. Democrats introduced a bill in Congress to ban “ gag orders”. It passed on a bipartisan basis and Trump signed it.

Had there been no state precedent, not likely the billed would have passed.
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Old Today, 09:36 AM
 
Location: Barrington
46,130 posts, read 34,195,929 times
Reputation: 15386
Quote:
Originally Posted by PedroMartinez View Post
The ACA was never meant to benefit the middle class.
ACA required guaranteed issue. Those with preexisting conditions could no longer be denied coverage or charged a higher premium.

ACA eliminated the Annual/ Lifetime caps on claims.

ACA capped annual out of pocket, including deductible.

ACA capped profits in the Individual Plan markets.

Presumably, these benefits had a favorable impact on all economic classes.

The Individual Plan Market has been in bad shape for more than 25 years. The number of insurers has substantially declined due to mergers and acquisitions and outright existing of markets in some states or regions of some states with high incidences of claims. Itís tough to break even, let alone profit in the Individual Plan Market.

Some states found it historically necessary to subsidize some insurers to remain in the Individual Plan Market. Some states chose to make insurers ability to write very profitable large group plans and/ or Medi- Gap plans dependent on continuing to write some Individual Plans.

Fortunately, most people are not insured by Individual Plans in terms of percentage of those insured. I can appreciate the ongoing challenge for those who are.
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Old Today, 09:38 AM
 
Location: Silicon Valley, CA
9,883 posts, read 6,649,434 times
Reputation: 6285
Quote:
Originally Posted by desertdetroiter View Post

He parades around here as some wealthy railroad guy that even owns his own airplane, but then admits to dropping his insurance over the cost hike when the railroad has dynamite health insurance that was totally unaffected by Obamacare .
.
Oh, one of these "I've got mine Jack" folks. Yeah, there's a guy in the California forums who loves to bash the state, worked for the state and retired with a nice pension - and brags and gloats all the time about his bennies, while sneering about CA's future fiscal issues. He's moved to your state - I don't know if you see that as a plus or minus.
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Old Today, 09:45 AM
 
Location: Barrington
46,130 posts, read 34,195,929 times
Reputation: 15386
Quote:
Originally Posted by T-310 View Post
It is redistribution of wealth, a socialist program.
Nearly everything carries an element of redistribution of income which, as you know, is not the same thing as wealth.

Federal income taxes are based on income.

Most states impose income taxes and do so on a progressive basis.

Property taxes are the same regardless of the number of school- age children, oneís use of local infrastructure and roads.
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Old Today, 09:52 AM
 
3,540 posts, read 694,150 times
Reputation: 2508
Quote:
Originally Posted by desertdetroiter View Post
Nonsense again. Medicaid already does that. The ACA was supposed to close the donut hole.

The ACA didnít make insurance unaffordable to the middle class. My premiums went up yearly by about 3% - 7% yearly anyway even before the ACA. And that rate increase has stayed virtually the same.

Obamacare plans were very expensive in most cases because Republican governors and legislatures refused to participate in the Medicaid expansion, and they only did so to spite Obama... not because it was expensive. In states where Medicaid expansion was adopted, Obamacare plans are affordable.

Kentucky is one state that accepted the expansion, and itís been a huge success. Their dumb neighbor, Tennessee refused to cooperate, and health care is a disaster.
Of course Obamacare made insurance unaffordable to many in the middle class. It obliterated the individual marketplace! Pre-Ocare I was paying $400 a month with a $2000 deductible, and five years later I'm paying $900 with $6000 deductible.

You know something is very wrong with Obamacare insurance when it costs MORE money to use your insurance than if you were uninsured completely (PT $130 with Ocare and $90 if cash).

I can't stand when leftists institute policies that harm the middle class, and then deny it.
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Old Today, 09:53 AM
 
Location: Barrington
46,130 posts, read 34,195,929 times
Reputation: 15386
Quote:
Originally Posted by Rachel976 View Post
The irony with my $900-a-month plan is that I am better going to a doctor out-of-network and negotiating a cash price than using my insurance in-network and paying the "discounted" rate. Example: Physical therapy with Obamacare claim is $130 a session and the uninsured rate is $90. (At the same time, the lower-income are getting the sessions for free.)
Deductibles are variable. The cheapest plans have substantially higher deductibles than more costly plans.

Most people do not need physical therapy and their premiums go towards paying your claim. No telling if and when any of us may need PT.

All insurance, not just healthcare, mutualizes risk exposures.
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Old Today, 09:55 AM
 
Location: OH->FL->NJ
10,089 posts, read 8,133,845 times
Reputation: 4300
Quote:
Originally Posted by desertdetroiter View Post
They have AMAZING health coverage on the railroad. No railroader should be uninsured.


Itís going to take a very strong Administration to get Congress to cooperate on negotiating drug prices. Itís Big Pharmaís WORST nightmare.

President Bush couldíve done it when he signed Part D legislation, but he let Big Pharna get to him.
His own party pushed the big pharma giveaway hard. On the house end it was Billy Tauzin. Who lives in a mansion instead jail for what is pretty obviously bribery. But we let big elites bribe people and we call it legal. Forget who was responsible on the Senate end.
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Old Today, 10:00 AM
 
Location: Barrington
46,130 posts, read 34,195,929 times
Reputation: 15386
Quote:
Originally Posted by Hesychios View Post
Trumpcare--where is it?


That was one of the early big lies, like is promise to self-fund and not be beholding to the influence of big donors ... or his $1 trillion infrastructure plan (without even a hint of how to pay for it). The string of later lies basically obscured these early ones.
EVERY POTUS in history makes promises he does not keep.

There is a partisan tendency to excuse/ rationalize those we favor and damn those we donít.
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Old Today, 10:12 AM
 
Location: Barrington
46,130 posts, read 34,195,929 times
Reputation: 15386
Quote:
Originally Posted by desertdetroiter View Post
Nonsense again. Medicaid already does that. The ACA was supposed to close the donut hole.

The ACA didnít make insurance unaffordable to the middle class. My premiums went up yearly by about 3% - 7% yearly anyway even before the ACA. And that rate increase has stayed virtually the same.

Obamacare plans were very expensive in most cases because Republican governors and legislatures refused to participate in the Medicaid expansion, and they only did so to spite Obama... not because it was expensive. In states where Medicaid expansion was adopted, Obamacare plans are affordable.

Kentucky is one state that accepted the expansion, and itís been a huge success. Their dumb neighbor, Tennessee refused to cooperate, and health care is a disaster.
Premiums increased an average of 100% between 2000- 2010, before the ACA.

That insurers can no longer decline those with preexisting conditions or charge them higher premiums has an impact on premiums.

That insurers can no longer impose annual/ lifetime caps on claims made has an impact on premiums.

That annual out of pocket costs are capped has an impact on premiums.

That a state mandates this or that be covered by insurance has an impact on premiums.

That states can no longer allow insurers to sell crap plans to consumers who think all insurance is alike has an impact on premiums.

What has not changed is the fundamental cost of healthcare/ healthcare inflation.
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