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Old 10-21-2014, 06:10 PM
 
7,908 posts, read 9,108,438 times
Reputation: 9264

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Quote:
Originally Posted by ocnjgirl View Post
As someone who works in health care, I can tell you paying in the front (before it gets serious) is a heck of a lot cheaper than paying when it becomes serious, which is what happens most often with the uninsured. A doctors visit is a tiny fraction of what an ER visit costs. My point about taxes was to the poster who acted like "oh the poor people, being forced to buy insurance against their will!" when according to both our points, most of the people being "forced" are getting help to get their insurance. Those who don't qualify for help should have had insurance before.
My point is we will still be paying more than just a Doctor's visit. We will be paying for the majority of the person's annual premium directly to the insurance company. We won't be subsidizing a non profit hospital for charity care, or subsidizing a person for medical bills incurred, we are subsidizing for the most part for profit health insurance companies. Average yearly family premiums in my area are 15K per year. The average family utilizes 2.5K of healthcare in a year. Nice profit margin for the insurance company.

When do you think we'll see a reduction in federal and state income taxes due to "savings" from giving people insurance from ACA? Are you holding your breath for it to happen?

ACA is just a shell game. Money went from helping out poor people pay their medical bills to handouts to insurance companies who gave serious bucks to the politicians and got their money back many times over. Unsubsidized people have no limit on what % of their income they will have to pay for health insurance, yet subsidized get a set % limit. Many middle class people are losing out in this new law. We'll see how many more lose out as companies are required to buy the more expensive ACA plans so they decide to take the penalty of 3K per person and let the workers buy off the exchange at a much higher price compared to their employer subsidized plans.

2014 was the easy part. Majority of uninsured people dwarfing the small % of people who already had their privately purchased plans. Those with handouts extolling the virtue of ACA (who wouldn't be happy to get something for free) drowning out those not satisfied with the changes.

Now the real fun begins, replacing good, affordable plans with more expensive plans for 80% of the working population because someone has to pay for the subsidized and there aren't enough self employed people to do it.
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Old 10-26-2014, 06:05 AM
 
Location: Coastal Mid-Atlantic
6,720 posts, read 4,384,877 times
Reputation: 8319
All these problems people are having now with this. Once he is voted out of office, Obamacare will be repealed. Then back to what you had. if that possible. ObamaCare is not a permanent healthcare.
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Old 10-26-2014, 07:12 AM
 
Location: Fort Payne Alabama
2,558 posts, read 2,880,017 times
Reputation: 5014
Quote:
Originally Posted by xsthomas View Post
All these problems people are having now with this. Once he is voted out of office, Obamacare will be repealed. Then back to what you had. if that possible. ObamaCare is not a permanent healthcare.
So you think that the politics will allow the return of denying health care coverage for "so called" pre-existing conditions? Going back to allowing the insurance companies to cancel policies once a person developed certain conditions, putting caps back on policy payouts? Telling a family that once their child left school, even at 18 years of age, they were no longer covered?
The ACA might be changed and hopefully improved by don't count on it to be repealed, that would result in political death.
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Old 10-26-2014, 07:21 AM
 
577 posts, read 898,279 times
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Quote:
Originally Posted by GreggT View Post
So you think that the politics will allow the return of denying health care coverage for "so called" pre-existing conditions? Going back to allowing the insurance companies to cancel policies once a person developed certain conditions, putting caps back on policy payouts? Telling a family that once their child left school, even at 18 years of age, they were no longer covered?
The ACA might be changed and hopefully improved by don't count on it to be repealed, that would result in political death.
Those issues you cite are pretty much the only good things about the ACA, I doubt they will be repealed. And a greater portion of working poor now have health coverage (whether they can afford to use it is another question),another good thing. Everyone else who doesn't have coverage through an employer is in a bad spot financially with the exchange coverage. As I stated before, it boils down to very expensive catastrophic coverage.

The insurance industry is too powerful- the ACA won't be repealed no matter who is the next president. Eventually (who knows when, maybe not in our lifetimes) the system may collapse from people not being able to afford it, then it will be replaced with a single payer system. That's the only "repeal" I can see happening.
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Old 10-26-2014, 07:22 AM
 
24,188 posts, read 10,513,459 times
Reputation: 46187
We are finding that more and more is not included in our existing policy (which went up like there is no tomorrow) - blood work: 1 copay for drawing, 1 copay for lab, 1 copay for consultation; it used to be 1 copay total
well woman: 1 copay office visit, 1 copay mammogram, 1 copay consultation; it used to be free
outpatient surgery: family doctor 1 copay, specialist 1 copay, blood work 1 copay, surgery 1 copay, follow up 1 copay each; it used to be family doctor and surgery
................
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Old 10-26-2014, 07:27 AM
 
7,214 posts, read 9,371,032 times
Reputation: 7802
Quote:
Originally Posted by mermaid825 View Post
The insurance industry is too powerful- the ACA won't be repealed no matter who is the next president. Eventually (who knows when, maybe not in our lifetimes) the system may collapse from people not being able to afford it, then it will be replaced with a single payer system. That's the only "repeal" I can see happening.
Single payer will come sooner than later because more and more people are realizing that a little bit of "socialism" is better than "let them die". It works for the rest of the civilized world, so why not here?
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Old 10-26-2014, 08:43 AM
 
3,111 posts, read 8,040,454 times
Reputation: 4272
So it seems like many of the people who benefited from the ACA like it, and the ones who got shafted don't like it.

How about the states that did not take money to expand the Medicaid program for poor people? They are the ones who got the biggest shaft.

Here is how it works:
Person who is unemployed or makes very little money does not receive subsidy, as the ACA was setup for all states to expand Medicaid. Not only can the person not afford to purchase insurance, their rate is higher as there is no subsidy. So because they are poor, they can't buy insurance, can't get Medicaid, and receive a fine on top of that.

I agree that it is a stepping stone in the process of addressing the healthcare issue in the US, but once again, political bickering at the expense of the people who they serve got in the way. And that's why nothing productive happens in this country, as few politicians think about what would benefit the country and the people; they are more concerned with themselves and their party.
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Old 10-26-2014, 12:16 PM
 
Location: Paranoid State
13,044 posts, read 13,817,290 times
Reputation: 15839
Quote:
Originally Posted by Hoonose View Post
If enough patients go BK, or cannot afford a certain treatment or drug, the Feds might come to the rescue.
... because everyone knows that when the Feds pay for it, it is free.
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Old 10-26-2014, 12:37 PM
 
Location: Paranoid State
13,044 posts, read 13,817,290 times
Reputation: 15839
Quote:
Originally Posted by MaseMan View Post
Single payer will come sooner than later because more and more people are realizing that a little bit of "socialism" is better than "let them die". It works for the rest of the civilized world, so why not here?
Since single payer works better, we should extend it to Porsches. Everyone should be able to buy a Porsche, if they want; if we had single payer, then the government could use its monopsony powers to get the best possible price on Porsches.
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Old 10-26-2014, 02:14 PM
 
18,792 posts, read 8,409,237 times
Reputation: 4125
Quote:
Originally Posted by SportyandMisty View Post
... because everyone knows that when the Feds pay for it, it is free.
Nothing is free. But programs can be supported by deficit spending if necessary and taxpayers don't care to be taxed more. This is especially important with states taking on the Medicaid expansion. For instance many AZ residents are now covered without more AZ tax laid.
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