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Now with the "help" of Washington it's even easier
Yeah. The most scarey words I ever would hear are "We are from the Govt and here to help!". That translates as We are here from the Govt and here to help.......... ourselves.
So, are you also against "minimum" coverage for people who drive automobiles?
As you know, someone always pays for uninsured people. The cost of the uninsured is already passed along to you in your premiums.
The companies that are choosing waivers have decreased their employees coverage due to the rising cost of coverage.
It's sad that those of you who have good coverage don't care about those of us whose companies have chosen to reduce benefits for their employees due to the cost. Giving you people examples of real people who have health insurance through their companies and who still have no coverage when they need it doesn't seem to matter to you people.
I have to wonder how many of you work for insurance companies who benefit from these high deductible, low benefit policies -- the kind that companies pay big bucks for and which still leaves their employees holding the bag in the event that a medical need arises.
Even in the current economy, insurance is still one industry whose profits are soaring....
Your argument stinks. I prefer to pay out-of-pocket for recurring, routine medical expenses and I accomplish that by having a high-deductible plan. You have to pay an insurance company MORE than $1.00 to get $1.00 in benefits back, they have expenses like any business. So I do not want to insure my basic expenses.
Obamacare criminalizes my choice. "If you like your health plan, you can keep it" (Barack Obama, said it about a thousand times) ought to go down in history right next to Richard Nixon's "I am not a crook." It was a big lie, told by a Big Liar.
Mnadated minimum auto liability coverage has nothing to do with the issue. Obamacare is more like mandating 100% comprehensive and collision coverage, no matter what kind of car you drive.
And the proliferation of waivers, granted by whim of an unelected bureacrat to politically favored recipients, is evidence of a totally corrupt law, and a totally corrupt executive branch.
We used to be a nation of laws...now we are a nation of waivers from the law.
So, are you also against "minimum" coverage for people who drive automobiles?
As you know, someone always pays for uninsured people. The cost of the uninsured is already passed along to you in your premiums.
The companies that are choosing waivers have decreased their employees coverage due to the rising cost of coverage.
It's sad that those of you who have good coverage don't care about those of us whose companies have chosen to reduce benefits for their employees due to the cost. Giving you people examples of real people who have health insurance through their companies and who still have no coverage when they need it doesn't seem to matter to you people.
I have to wonder how many of you work for insurance companies who benefit from these high deductible, low benefit policies -- the kind that companies pay big bucks for and which still leaves their employees holding the bag in the event that a medical need arises.
Even in the current economy, insurance is still one industry whose profits are soaring....
you dont pay for car insurance if you dont have a car
Let's hope we all get a waiver from Obamacare then we won't need to worry about it anymore. That's only fair.
So you don't want your insurance to cover pre-existing conditions, remove lifetime caps, and stop insurance companies from dropping you if you do get sick?
Your argument stinks. I prefer to pay out-of-pocket for recurring, routine medical expenses and I accomplish that by having a high-deductible plan. You have to pay an insurance company MORE than $1.00 to get $1.00 in benefits back, they have expenses like any business. So I do not want to insure my basic expenses.
Obamacare criminalizes my choice. "If you like your health plan, you can keep it" (Barack Obama, said it about a thousand times) ought to go down in history right next to Richard Nixon's "I am not a crook." It was a big lie, told by a Big Liar.
Mnadated minimum auto liability coverage has nothing to do with the issue. Obamacare is more like mandating 100% comprehensive and collision coverage, no matter what kind of car you drive.
And the proliferation of waivers, granted by whim of an unelected bureacrat to politically favored recipients, is evidence of a totally corrupt law, and a totally corrupt executive branch.
We used to be a nation of laws...now we are a nation of waivers from the law.
I have to wonder how many of you work for insurance companies who benefit from these high deductible, low benefit policies -- the kind that companies pay big bucks for and which still leaves their employees holding the bag in the event that a medical need arises.
Even in the current economy, insurance is still one industry whose profits are soaring....
Bull****, they don't bvenefit any more from low deductible policies than they do high.....the premiums are based on the coverage. Low deductibles make them pay more in claims and the charge a higher premium for them....high deductibles the opposite.
What the entire insurance industry does or doesn't do is irrelevant because we're talking about health insurance here....and all insurance is not the same....not even close by a long shot. Health insurance is risky and unstable, completely the opposite of something like life insurance. Mandates are what has forced premiums up, not the need to make a profit. Rate increases lose business and decrease profits. Profit with insurance is made through sales which requires low competitive premiums. Profit margins have already been calculated into the premiums so, they don't need to increase premiums to make profit and they don't want to. Rate increases are caused by higher than expected claims costs...which are a direct result of the mandates that are being placed on insurers. They make it impossible for a company to accurately predict the amount of risk they're going to be forced to take on. The risk does not get distributed evenly because of the mandates.
The public doesn't understand that the mandates just push the problem onto the insurers and all they can do is pass it on to the consumer. They don't have a printing press to print money like the government has or a magical bank account they can just draw endless amounts of money from. When they go the slighest bit into the red, they go bankrupt and everyone the cover, loses their insurance.
Quote:
Originally Posted by cdubs3201 It's ok, the middle class is slowly being impoverished. Soon we won't have a choice to be poor, we just will be.
I make what was good money just a few years back, now I find I have less than when I make a few hundred dollars less a week than I do now.
After paying bills & expenses that we keep to a bare minimum there is nothing left.
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