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It's called guaranteed issue and it is indeed insurance.
It is faux-insurance. Once you eliminate the most significant individual risk factor from the price rating, it becomes a social health policy. We can call it insurance for convenience [as we call Medicaid].
I'm seriously amazed that so many people have, or didn't have an idea of how insurance works. There's no way a majority of the public thought that the insurance fairy gets everyone coverage without it costing money. That said, personally, the last two years has been the first in nearly a decade where my premium didn't increase.
Quote:
Originally Posted by Finn_Jarber
You are not comprehending what he is saying. He is not talking about supporting anything, he is talking passing the bill.
"And basically, call it the stupidity of the American voter or whatever, but basically that was really, really critical for the thing to pass…"
Tell me who passed the bill, was it Congress, or the American voters? Did you have a vote on it? There was no popular vote on it, which is why his statement is nonsense. The intelligence of the voters has nothing to do with passing bills.
If you want to blame someone for passing it, blame the Congress. The problem is that once these people are voted in, they can pass any bill they want. No one had heard the details or the arguments for or against ACA when those Congressmen were voted in. Do you blame the American voters for the Congress expanding Medicare by half a trillion dollars in 2003?
Where have the alternative bills to fix the ACA been for the past few years. Are we going to start seeing them now? How is Mr. McConnell going to get rid of Obamacare while allowing his home state to soak-up tons of that sweet welfare... errr, subsidy money to keep Kynect? Seriously, give the public something better. I'm all for it.
And, no, vouchers and tax cuts aren't better when you need hundreds of thousands worth of medical care.
Does that include the nearly 1 BILLION DOLLARS (and counting) that it's costing to get the Healthcare.Gov website up and running?
Mr Gruber specifically help write the ACA (and he even admits it) to confuse how the CBO scores how much the program will cost. Another smoke and mirrors plot.
Remember and I posted this earlier. The CBO EXCLUDES administrative costs. And failed websites don't count again how much the ACA cost. Hiring IRS agents doesn't count either.
It is faux-insurance. Once you eliminate the most significant individual risk factor from the price rating, it becomes a social health policy. We can call it insurance for convenience [as we call Medicaid].
No, it's still insurance. Group health plans worked on guarantee issue. Some disability plans, life insurance plans, and LTC insurance plans work on a guaranteed issue basis.
I'm seriously amazed that so many people have, or didn't have an idea of how insurance works. There's no way a majority of the public thought that the insurance fairy gets everyone coverage without it costing money. That said, personally, the last two years has been the first in nearly a decade where my premium didn't increase.
Where have the alternative bills to fix the ACA been for the past few years. Are we going to start seeing them now? How is Mr. McConnell going to get rid of Obamacare while allowing his home state to soak-up tons of that sweet welfare... errr, subsidy money to keep Kynect? Seriously, give the public something better. I'm all for it.
And, no, vouchers and tax cuts aren't better when you need hundreds of thousands worth of medical care.
The Dems haven't present alternative bills to fix the ACA either. The Dems admitted the law was flawed as it was being rolled out. Yet none of them have offered a fix. All Obama does is keep kicking the bucket down the road.
And the Repubs can't present any bills being Harry Reid blocked everything on the Senate side.
Let's see what the Repubs do now that they control both house and senate. But you got Obama going to threaten to veto every bill he doesn't like.
No, it's still insurance. Group health plans worked on guarantee issue. Some disability plans, life insurance plans, and LTC insurance plans work on a guaranteed issue basis.
No. You are confusing group plans vs individual plans.
Health insurance on individual market is what this ACA is really all about.
You are never guaranteed and still not guaranteed any life insurance or permanent disability insurance on individual market unless you pass the full underwriting standard set by those insurance companies. They can flat deny your life insurance or disability policy or jack up the rates based on risk factors.
No. You are confusing group plans vs individual plans.
Health insurance on individual market is what this ACA is really all about.
You are never guaranteed and still not guaranteed any life insurance or permanent disability insurance on individual market unless you pass the full underwriting standard set by those insurance companies. They can flat deny your life insurance or disability policy or jack up the rates based on risk factors.
Since the voters have no say in the process of writing or passing laws, then I am not sure how their intelligence has anything to do with passing it. It was written and passed by the Congress.
Gruber does not seem to be aware of how the US Government works. Wouldn't that mean he is the stupid one?
It wasn't "written and passed by Congress" .... unless you suddenly believe that "Congress" is nothing but Left Wing Democrats. Not a single Republican voted for this Crammed Down Legislation. Harry Reid took a House passed Veterans Bill and turned it into ObamaCare - he then used a filibuster proof Senate Majority to "pass" it. We actually don't know who "wrote" the 2,400 pages of gobblety **** that they call the Affordable Care Act. We know that a deal was cut with Big Pharma on drugs, we know that ACA has zero to do with "affordable" and we know that the "architect of ObamaCare" is now on video tape three times bragging that the American people are stupid and they had to LIE to pass this abomination of control.
Reasonable politicians listen to their constituents because they represent those that voted for them and sent them to Washington. Turns out that so called "Democrats" think their voters are stupid and are perfectly willing to LIE to them. Looks like you agree with that concept.
Most voters actually do believe that they have a say in what happens in Washington ... the Leftists they elect disagree and laugh at them.
They Parrots support those who LIE - at some point, voters will retaliate.
There is never a guaranteed issue policy on the individual market with long term disability policies or life insurance policies
Again. The ACA turned the entire industry upside down. And it's the individual health market that was primarily the target.
Very few people were excluded from pre existing conditions on the individual market. Love how the administration grouped all the pre existing conditions including those on group guaranteed plans and made it one big number.
The real facts is that you are talking maybe 1-2 million affected out of 330 million Americans in terms of pre existing conditions on the individual market.
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