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"Pre-existing conditions" drive the cost of ANY health plan, sky-high.
Yup. Nobody is arguing that point at all. But that horse got let out of the barn by ACA and there is no putting it back in. Well, unless you want to be cold hearted and ruthless. And thrown out of office. So you better get used to it and man-up and figure out how to pay for it, because that is the real issue now.
Location: Live:Downtown Phoenix, AZ/Work:Greater Los Angeles, CA
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People who have pre-existing conditions are likely to not have well paying jobs. Therefore they won't be able to pay cash for their medical needs. So what, we just let them die?!?!?
Costs will never go down unless or until Frivolous Lawsuits and ambulance chasing lawyers are put out of business!
(That is one reason an aspirin cost $25.00 in hospitals.)
Loser pays would help alleviate the problem!
We did tort reform in Nevada. Healthcare costs didn't go down at all.
Administrative overhead due to insurance companies accounts for 30% of healthcare spending in this country.
Yup. Nobody is arguing that point at all. But that horse got let out of the barn by ACA and there is no putting it back in.
It doesn't have to be put back in the barn. I watched Ryan's presentation on C-SPAN, and his proposal to cover those with costly pre-existing conditions was to utilize the States' high risk insurance pools, which already existed, and require them to cover ongoing medical expenses for pre-existing conditions while providing government subsidies to help cut the costs of that insurance for the insured.
That removes those who are costly to insure from the main insurance pool, which then reduces the cost of insurance premiums/deductibles for everyone else.
Bottom lineÉ insurance companies are in the business of making money if you have a pre existing condition you are a poor risk for that bottom line therefore insurance companies dont want to take the risk to insure you... you are on your own.
Not a Trump fan, but this may turn out to be a good play, Trump may be doing them (and himself of course) a favor.
All AHCA is doing is making Repubs look bad, and it's not going to pass anything like as-is. So they vote it down today, and the media moves on along with Congress [obviously a problem for Repubs running in 2018, and they'll get heat for it]. So they move on to tax reform, infrastructure and whatever else as they should have anyway. They work on AHCA2.0 in the background, policy and support, and pass it a year from now in plenty of time for midterms. Beats embarrassing themselves daily in the news cycle now.
Yep, and the individual is responsible for their own needs in life.
Trump very clearly said his health care plan would lower health care costs for everyone, including those over 50, and it would keep the no pre-existing condition clause. How stupid do you look now for voting for this guy now that we see his plan?
That is why we don't need health insurance. What we need is healthcare.
Insurance companies are in business to make money for themselves-not to actually care for anybody.
That is the biggest fallacy.
Health insurance companies are a layer of for-profit bureaucracy that adds nothing to medical care but cost and confusion. And now it's unaffordable as well.
OP is on to something with separating insurance out from medical care plans.
My car insurance covers me if I get in a wreck. For day in and day out repairs and maintenance, even if the transmission goes, I pay for that myself or use a warranty/repair plan.
Health insurance companies are a layer of for-profit bureaucracy that adds nothing to medical care but cost and confusion. And now it's unaffordable as well.
OP is on to something with separating insurance out from medical care plans.
My car insurance covers me if I get in a wreck. For day in and day out repairs and maintenance, even if the transmission goes, I pay for that myself or use a warranty/repair plan.
We need a national warranty health plan.
Medicare for all would work.
How would you suggest we construct the Medicare buy-in for those who don't meet the minimum prepayment requirement (currently, 10 years of Medicare tax) and/or the age eligibility requirement which thereby limits the time span of Medicare coverage?
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