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BIG DEAL. Vast majority are insured, as groups, by employer.
Do you have a contractor that has ever worked on your house? A CPA who does your taxes? A lawyer who drew up your will? A doctor in a solo or small practice?
Many of those people are self employed and often don't participate in a group plan. And I point these things out as a Republican who has mixed feelings about the ACA. One aspect of it I do support is the elimination of pre-existing conditions, and, ironically (for most Republicans) the individual mandate.
Last edited by Texas Ag 93; 01-12-2017 at 05:54 AM..
I DO like the provision of allowing other groups creating groups for health insurance. I can see this being a very useful piece in anyone's replacement.
Is this something trump can use and tweak to take out prexisting conditions? I know that's the only thing he likes about Obamacare. I'll read it when I get a chance. Good job Rand, nice seeing a senator try to fix a problem instead of talk (McCain)
Red herring question w/o merit.
The parents insurance via work covers the kid, who gets insurance via employment as an adult. Group Insurance does not allow employers to cherry-pick who is insured based on health.
I have a little cousin who had a brain tumor when he was 13 months old diagnosed. He is now 9 years old.
If this passes when he is an adult and can no longer be on his parent's insurance, he will not be able to get coverage. The OP link states that it will benefit employers due to it putting the burden of buying insurance on the employees. People will be able to use the HSA to "pay premiums." IMO this means that they are trying to get the burden of healthcare off the back of employers. FWIW, I've worked with many employers (I work in supply chain/sourcing) to purchase insurance coverage. Insurance for employers is SUPER expensive. For less than 100 employees, it can easily cost $1-$5 million for the employer and that doesn't even account for the amount of premium you pay as an employee. That pidly $200-$300 a month that the employee pays is less than half of what your employer pays for you. So if this plan is a move to place this burden on the general public - i.e. employees and the employees now have to shop the market for a crappy HSA plans (due to working to purchase these policies, I am very knowledgeable about the different types of plans and even though I do like HSA plans, they have a LOT of paperwork and invoicing and bills involved that usually causes the general employee population a headache, people would rather pay more in most cases not to have the HSA plan and prefer HMO/POS type of plans with co-pays and no deductibles in most instances) they will be paying much more money for healthcoverage due to a higher premium cost, a deductible cost, and then having to have their income drained into an HSA to pay for all this and still not have enough. For HSAs how the heck do they think people who make less than $20K per year can "save" any money to pay for health insurance. This will just lead more people to the ER for healthcare like what was happening before ACA passed anyway.
I mentioned earlier I had asthma as a child. Both my parents smoked and when my parents broke up and my mom quit smoking when I was 16 my asthma magically went away. After I went to college and no longer was covered by my university plan, I was denied medical insurance when I tried to buy some by myself at the age of 23 because I had asthma diagnosed at 7 years old and carried a rescue inhaler in case I ever had an asthma attack (I hadn't had one since I was 15-16 before my mom stopped smoking).
My cousin will have the same thing happen to him. He has gone through years of therapy, primarily chemo, he's also had a couple of surgeries. He had a tumor the size of an apple in his brain. He is a great kid today, very sweet and IMO very appreciative of being alive. He should not have to grow up and worry about not having health coverage once he gets too old for his parents' plan or if one of them loses a job and has to buy independent coverage for the family.
Again, you all are not thinking of the public with this.
Same old, same old HSA solution. HSAs don't help people at the bottom who have no money to put in an HSA. They are a handout to the more well to do. The Paul plan will lead to what we had before - millions more uninsured (there is no mandate) and increased costs to health providers resulting in massive layoffs in the health care industry and increases in rates for those who get insurance through employer groups. He does have the right idea about allowing pooling (groups) for individual buyers. The plan reeks of what it is - a desperation move by Republicans who are completely without a clue about what to do now that they can actually repeal Obamacare.
It will be interesting to see how this goes down as Trump wants to pass it with the budget reconciliation repeal. That will leave no time at all for public comment from insurers, providers or even the insured. Sounds like a train wreck to me.
There will be block grants to the states, and they can offer subsidies for the low income people.
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