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Old 03-12-2017, 03:32 PM
 
29,782 posts, read 34,880,403 times
Reputation: 11705

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Quote:
Originally Posted by mlb View Post
It's like saying I don't want to pay for any man's viagra - or prostate cancer.

Ridiculous.
Before the ACA insurance premiums were gender rated and you didn't have to. Woman paid more and the ACA eliminated so woman benefited and men didn't. Probably a part of the reason for the blowback
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Old 03-12-2017, 03:34 PM
 
Location: Paranoid State
13,047 posts, read 10,445,912 times
Reputation: 15683
Quote:
Originally Posted by Aery11 View Post
I can tell you that employers these days don't seem to have a problem with forcing you out of the ranks when you may least expect it during those critical older years.
There's a law against that. Any employer who breaks the law would be and should be subject to civil litigation.

Any employer who actually did target older employees for layoffs would be sued in a heartbeat by the EEOC, by State Attorneys General, and by class action plaintiffs attorneys.

Every HR department in America scours every prospective layoff looking for evidence of an "adverse action" (sometimes called "disparate impact") against every single protected class: those over the age of 40, women, LGBTQ, Veterans, African-Americans, Hispanic Americans, Native Americans and other protected classes.
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Old 03-12-2017, 03:43 PM
 
Location: Paranoid State
13,047 posts, read 10,445,912 times
Reputation: 15683
Quote:
Originally Posted by NewbieHere View Post
Maybe you should spend some time to learn more about the new law. It's called advanceable tax credit, you get the tax credit ahead, even if you don't owe any tax, you get some money back. It could go into an HSA.
It's ridiculous because you want to complain instead of trying to understand the bill. Guess what under Obamacare, my kid was supposed to get subsidy and she got none, now that is real RIDICULOUS, not fake one.
Newbie shoots... NEWBIE SCORES... THE CROWD GOES WILD !!!
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Old 03-12-2017, 03:47 PM
 
Location: Paranoid State
13,047 posts, read 10,445,912 times
Reputation: 15683
Quote:
Originally Posted by bbtondo View Post
All I know is a 26 year old is NOT a child. I think that having "children" eligible under their parents health care until they are 26 is ridiculous. Time to grown up and go to school or get a job like the rest of us!
I must disagree. The effects of the Great Recession pretty much required it.
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Old 03-12-2017, 04:16 PM
 
Location: next up where ever I go
588 posts, read 344,991 times
Reputation: 2087
Quote:
Originally Posted by NorthofHere View Post
It is called self-insuring. In other words you can afford to take the low risk of your house burning down or your car being wrecked. I laugh everytime I buy something and the clerk asks if I want insurance for it. I don't need to pay for insurance for something I can afford to risk losing. Why insure a car worth $5K if you can afford to buy a new one. Insurance is for risks you cannot afford. You don't insure a car for common maintenance, therefore I would hope to be able to buy insurance that doesn't include routine doctors visits. Yes I would like to insure in case I get in an accident or get cancer or some other costly disease but not for my routine doctors visits. This alone, would cut health care costs, because if you were paying for it you would ask the price and doctors would become competitive. I don't have dental coverage and when I do go looking for a dentist I will be sure to ask prices.
Yes, it is true, insurance is for risks you cannot afford, or pay for, and YOU CAN RISK LOSING like let's look at this scenario...

How much is your heart worth to you. $5000, $10,000, or is it priceless? The insurance or your access to quality HEALTHCARE is how much? What are you willing to spend that when and if you have the widow maker someone else comes along and says, sure, I can fix it, but it is going to cost you a gazillion dollars and I can't say whether you will find your life quite changed.

I realize it may sound academic to suppose you can jump into the health insurance market or only pay for the widow maker when it happens, on the other hand, preventive medicine may, with a very big possibility keep you from becoming a statistic. Which do you prefer? Preventing a life changing event or changing the event to your advantage as you become more likely to have something like this happen since your are in your 50s plus.

Welcome to America

Be Careful What You Wish For.

Last edited by TMKSarah; 03-12-2017 at 04:25 PM.. Reason: needed to better explain retirement healthcare
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Old 03-12-2017, 04:31 PM
mlb
 
Location: North Monterey County
3,184 posts, read 2,858,918 times
Reputation: 4879
Well put, TMKSarah.
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Old 03-12-2017, 04:39 PM
 
Location: Haiku
4,121 posts, read 2,580,412 times
Reputation: 6074
Quote:
Originally Posted by TuborgP View Post
We currently spend 18% of GDP on health care and that is a crippling percentage that chokes capital flowing to other uses etc etc etc.
Health Costs: How the U.S. Compares With Other Countries | PBS NewsHour

The solution will not be written in congress but will be for better or worse as the ACA has found out determined by free markets.
Your link above is a perfect example of how free market approach to health care is not working. Most (or all, I did not check every one) of those countries that are far below the US in percentage of GDP spending on healthcare have UHC. Healthcare spending in the US is growing faster than the growth of GDP. Our system is broken.
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Old 03-12-2017, 04:53 PM
 
Location: next up where ever I go
588 posts, read 344,991 times
Reputation: 2087
Quote:
Originally Posted by SportyandMisty View Post
There's a law against that. Any employer who breaks the law would be and should be subject to civil litigation.

Any employer who actually did target older employees for layoffs would be sued in a heartbeat by the EEOC, by State Attorneys General, and by class action plaintiffs attorneys.

Every HR department in America scours every prospective layoff looking for evidence of an "adverse action" (sometimes called "disparate impact") against every single protected class: those over the age of 40, women, LGBTQ, Veterans, African-Americans, Hispanic Americans, Native Americans and other protected classes.
Oh Lord,

Misty,

I've got some very good legal experience as a federal litigation paralegal in the employment litigation field for the defense of the big corps.

Finding counsel that will take your case for no MONEY is next to impossible. I have only seen two, which was a 5 year fight, which our side settled in the end to the detriment of those that fought our side. They paid so much, we, I am ashamed to say had the deep pockets to grind them into the ground and I was right in there making it happen. They took a settlement, it was not enough to my opinion, but there was no way they could continue without a backup. I am sure they mortgaged their homes, borrowed from friends and family, raised their credit card debt to the limit and beyond.

Was it worth it. I will never know. That being said, I left that field after that. I knew they had a case, but their attorney did not ask the right questions. Oh. I knew the answers. But they did not ask the right questions. So I knew. But they did not and we did not have any legal duty to tell them the questions nor the answers.

And yes, Misty, they filed under disparate impact. Did not mean S@it. We won.
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Old 03-12-2017, 04:56 PM
 
29,782 posts, read 34,880,403 times
Reputation: 11705
Quote:
Originally Posted by TwoByFour View Post
Your link above is a perfect example of how free market approach to health care is not working. Most (or all, I did not check every one) of those countries that are far below the US in percentage of GDP spending on healthcare have UHC. Healthcare spending in the US is growing faster than the growth of GDP. Our system is broken.
With Medicaid Medicare and now the ACA we haven't had free markets
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Old 03-12-2017, 05:13 PM
 
Location: Haiku
4,121 posts, read 2,580,412 times
Reputation: 6074
Quote:
Originally Posted by TuborgP View Post
With Medicaid Medicare and now the ACA we haven't had free markets
Partly true for Medicare and Medicaid, not true for ACA. Obamacare insurance is provided by private insurance companies. There is still a huge private insurance industry that is not part of the Obamacare exchanges.

And even then, all we are talking about is the insurer, not the providers of health care. Even with Medicare, all health care is delivered by private industry.
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