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Thanks GreenGene for shedding some light on the subject.
Currently teens and young adults up to the age of 21 are eligible for the Healthy Kids Buy In. The monthly premiums are around $200 a month. Co-payments and benefits are the same as the Healthy Kids Silver program. The Buy-In program does not receive any state or federal funding.
I think what is happening here .... and I never heard of the Healthy Kids program before today ... is similar to my health insurance.
The total premium = X
My part of the premium = a certain percentage of X
My employer's part of the premium = the remaining percentage of X that would make a total of 100%.
My health insurance covered our kids until age 22. BUT, I could continue the same coverage for another 3 years beyond the age of 22 for the kids if I wanted to. And my son at the time had some medical issues, and so I elected to continue the coverage for him. However, I had to cover the total premium for my son. And it cost a pretty penny.
With the proposal out there for Healthy Kids, it seems to me that a similar kind of thing might be happening. They are saying to young adults who would not ordinarily be eligible, you can get health insurance here with the Healthy Kids program, but you have to pay the cost - the total premium for the coverage.
Bignhfamily - I read about the Healthy Kids Buy-In when I visited the Healthy Kids website. And you're right - that program doesn't receive any state or federal program. It looks to me like they modeled the current proposal on the existing Buy-In Program.
NH Healthy Kids is not just a hand out program. It was designed for working families and part of the current requirement is that the insured is under 19 years old. There is the Healthy Kids Silver that provides affordable insurance paid for by the parent (there is also co-pays for office visits and prescriptions) and Healthy Kids Buy-In that does not receive any state or federal funding.
I, for one, have no problem supporting this program as it stands now. I do have a problem with extending the benifits to anybody other than minors though. The kid we save today might be the doctor that saves us tomorrow.
Oh and for the record - I'm a conservative republican with 4 children covered on my wifes insurance through her nursing job.
The copays are tiny compared to other insurances. Healthy kids Gold copay is $0 for all RX's so that isn't very hard on the wallet and Healthy kids Silver is a whopping $5. You will find "traditional" RX copays will vary from $3 to $60 per RX.
Interesting discussion, sounds very much like the old joke that asked “Did you ever stop beating your wife?” No matter how you answer, you are not going to sound too good. If I don’t think it is fair to be forced to support other families (regardless of circumstances), I am a cold heartless naziwhowantstokillamillionsjews. Nonsense, we just object to the idea that the state is an entity we can trust to solve the very problems it creates. For example, the more welfare programs you fund, the more people you will have on welfare. That is why so many people moved to California during the past fifty years. High and unaffordable health care is caused by a Medical School Monopoly which limits the number of students it will admit in any given year. What normally happens when there is a shortage of engineers for instance? More schools open up to feed the demand! There is a Medical/Government Cartel which exists to control the availability of even basic heath care to the citizens of the United States. It exists to keep us well enough to work, but too sick to notice that we have been lied too all of our lives. Read Eustace Mullins expose on this cartel here.
People, I want your complete attention. America is now too diverse demographically to choose socialism. It only really works in small doses in closely related population groups. So forget it. The change that is coming isn’t what you might have heard. We are going to be leveled, but down is the only direction we will be going. There just isn’t enough time or money to raise us up to the same level, so we are going to be lowered down to the same level (as was always their intent). So, for all those of you who think we need communistic programs to replace family, friends, community and voluntary service, be careful what you are asking for, because what you are going to get is healthcare in name only. Big fancy programs which will deliver substandard pharmaceutical based remedies which will only mask the fact that your sicknesses are caused by crappy nutrition, poor food choices, childhood vaccinations, flu shots, and chemicals in almost everything we eat. And you will be forced to obey the doctor’s orders or lose your health coverage! Don’t believe me? Fine, keep arguing amongst yourselves about how many angels can fit on the head of a pin; that way you won’t have to address things like why are the same communists who ran the USSR into the ground now over here running our government and influential lobbies. Or why do we have dual-citizenship passport holders in many of the highest positions in the land? Not to mention, whatever happened to the 13th amendment? Go to sleep little sheep, the wolves (oops, I mean the watchmen) are watching over the flock. Just ignore those screams, nothing to worry about, nothing to see, move along now and be a good citizen and pay your tribute, err, taxes.
So no one but myself and Sgthoskins are bothered at all that another government entitlement program is growing and expanding? .....If not they should get another job or a second job-but we cannot have them do that, could we? It is easier to have others pay then to take charge of your own life.
This is an expansion of tax and spend nanny state mentality. As I said before, this will be expanded and expanded until it is universal healthcare and by then the "poor" will be getting it for free and the "rich" will be paying for it all and the benefits will be terrible.
Add me to your list of the bothered
we ARE truly headed toward socializm, if we are not there already. I didn't vote for the Obamination, and just hope America opens her eyes and sees hows he's directing this counrty toward socializm. Govt. plans for this and that, the joke of a stimulus package, what...that gave all the banks and lending institutions all kinds of cash, only to see them give bonuses to their CEOs?????
You and I break our Azzes as "middle class" citizens, getting by, but not truly saving, while the rich and invested pay lower taxes, and the lower income families get free rides....and play the system to the fullest, and buying wide screens with the welfare bucks, instead of truly helping themselves.
Granted, there are some honest families that truly are in need.
He'll start to pitch the amnesty program soon, but wait the gun thing just yet....that'll be later in his term....
He's not getting mine either....
And just wait for the ahem...Health insurance reform...ahem.....stinks of socialized medicine......ya think???
The rich Doctor better get their lobbyists up and running, or their 6+ figure saleries will be in the vicinity of yours and mine instead.
Where I work, I am a municipal employee. I get healthcare thru my state benefits package, which my employer pays into. I've been with the town 16 years. I've had the "state" change my bennies 4 times in that period. I pay into a pension, which the Governers of past invested in the market....which hit the floor after 9/11.
I go to work everyday, do what is expected of me, earn my wages, pay a mortgage, as well as other responsibilities.....Hmmm a job and responsiblility....theres a concept.....
Sorry, lost my train of thought, and I'm on an angry rant.
Good morning, better get another cup of Coffee...
Last edited by CaseyB; 03-14-2009 at 01:00 PM..
Reason: language
1. They are using the Healthy Kids pool which is made up of subsidized taxpayer $$. When you implement a new insurance program, you need a reserve. In the beginning, how many people are going to be on this plan? Who is to say that regardless of this age group being the "healthiest" that the most sick won't initially join? They say they have safeguards for this-how do they know? The article mentions a 22 year old with a list of ailments a mile long. If very few are joining in the beginning and the very sick are using it, or even just a healthy person going for a battery of preventative tests, that reserve will be used-the reserve made up of tax payer $$. All the reason they did not set up a separate program, because they would have had to come up with a large reserve and that would have come from the taxpayer-even more taxpayer $$--where else would it have come from?
The article claims no cost to the state but I did not see them mention no cost to federal taxpayers. Again, there are costs to both, as this pool is funded with tax payer $$-state and federal. Also if they are using federal $$ that could have been used elsewhere in the state, that has an affect on state money.
2. If this is truly no cost to the taxpayer, why is there an income limit? Would we not want ALL in this age group insured? Easy, because when taxpayers subsize programs, there is usually a limit.
3 I have contacted my state rep with this questions and of course I have received no answer. I also asked her if an Actuary came up with the premium and what reserve amounts were used. It has been a week now and no reply-big surprise.
I guess people will take these politicians and the Healthy Kids site at their word. I choose not too. This program is part of an pool where taxpayer $$ is sent and thus is part of an expanding entitlement.
Once this is passed, I am sure they will work on expanding it even more.
So, the answer is no, you haven't found anything that specifically states that the taxpayers are going to be hit with additional taxes for this. Thank you.
We all KNOW that taxpaxers WILL foot the bill for this. It doesn't need to be stated. This is just crazy. I do see a ton of "kids" 18, 19 and up that don't work for whatever reason that will benefit from this plan. For many of them having to show up at a job three to five days in a row on a time is just not in the cards so now they can be given health insurance...thank goodness!
[quote=NewNHguy;7878458]Add me to your list of the bothered
we ARE truly headed toward socializm, if we are not there already. I didn't vote for the Obamination, and just hope America opens her eyes and sees hows he's directing this counrty toward socializm. Govt. plans for this and that, the joke of a stimulus package, what...that gave all the banks and lending institutions all kinds of cash, only to see them give bonuses to their CEOs?????
It is JUST AMAZING to me how many people are "forgetting" that Obama INHERITED this mess from "our FEARLESS (cowboy) leader, George W"!!!!!!!!! The first "bailout" - the "no-strings attached, do-what-you-want with it" JOKE - I remember literally screaming "NOOOOOOOOO!!!!!!!!!!!!!!!!!!!!!!!" when the first bailout was going through - JUST KNOWING it wouldn't work - and I am AN AVERAGE AMERICAN!!!!!! I couldn't understand how for me, it was so obvious, but somehow the administration couldn't see it..................(Come to think of it, I had the same sick feeling I had when we went into Iraq - it just smelled wrong)
BTW, I needed to say that but I'm going to stop looking at this thread because it is SO bothering me. I am 44 years old and I've never heard people SO polarized about the leadership of this country that they would literally skewer those who disagree with them. It is very sad.
Last edited by CaseyB; 03-14-2009 at 01:01 PM..
Reason: cleaning up
We all KNOW that taxpaxers WILL foot the bill for this. It doesn't need to be stated. This is just crazy. I do see a ton of "kids" 18, 19 and up that don't work for whatever reason that will benefit from this plan. For many of them having to show up at a job three to five days in a row on a time is just not in the cards so now they can be given health insurance...thank goodness!
Of course the taxpayers are footing the bill on this one. Healthy Kids is subsidized by state and federal dollars and this up to 26 plan is bringing ZERO reserve-thus they will be using the taxpayer subsidized reserve.
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Healthy "Kids"
