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How would it be fair if someone wants to buy into healthcare insurance after being diagnosed with an illness? Why would anyone buy insurance if they can buy it only when needed?
Last edited by texan2yankee; 06-26-2017 at 05:44 PM..
It's not the same as the individual mandate. In the new healthcare bill, if you have insurance and allow it to lapse, there can be a penalty. If you are not insured at all, there is no penalty for being uninsured. Note the operative word is "lapsed" in your coverage. You had to have had insurance in the first place and stopped paying the premiums...allowing it to lapse.
You need to have some form of penalty for those who don't have insurance. The penalty in ACA wasn't strong enough.
Well! Thank goodness for people like you who know what people like me need in our lives. I'm so happy you're here to make all my life's decisions for me. How did I ever do without you?
Loose your job which had Healthcare, go on cobra (no one can afford it without another job) find new job (Tcare does not require business to have health Benefits). Try to buy Healthcare (if you have a pre-existing condition forget it) when you do not have coverage you get to wait 6 months. So the GOP has figured out how to kill off a whole bunch of people.
Or this. You are self-employed with no access to group insurance any more (thanks, Trump!) and you are over 50, so your insurance goes up five times what it currently is. You can no longer afford to purchase insurance, and as an added bonus, you will be forced to pay a penalty because they forced you out of the market through no fault of your own. Yes, Mr. Trump, THIS plan is mean, mean, mean.
I think you're right, the GOP's Reverse Robin Hood policies are all about killing as many people who are not in the top 1% as they possibly can. And if this POS bill goes through, they will undoubtedly succeed.
Yup, they want to cull the herd. Too many poor people , so let's let 'em die off.
Many families live paycheck to paycheck - two minimum wage earners. Lose the job, lose the health insurance. COBRA is usually 5-10x the employee portion.
These people cannot afford insurance at those prices - either under COBRA or privately.
Therefore, they become uninsured. Then disaster strikes or they are already chronically ill and employer insurance kept them going. No insurance means no or substandard treatment - piles of bills, ruined credit. Which means bad credit means it's harder to get another job - so they remain uninsured longer. Employers don't care why your credit is bad. So, your application goes in the trash.
I think it's perfect. Here's why: There are three kinds of 'pre-existing conditions.' The first is the patient born with some congenital defect that will be a problem forever. Medicaid or insurance should be the payer for that, because it is actuarially predictable. (Hence you can control for risk.)
Same for the second type of 'pre-existing condition,' which would include those who come down with a chronic disease like diabetes.
But the third type, that is totally unpredictable, is the 28 year old numbskull who crashes his Camero at 2:00 in the morning and signs up for insurance at 9:00 AM. After $250,000 worth of trauma care and surgery, he's all better and then stops paying premiums. This was exactly the undefinable risk that created much of the losses that drove many of the insurance carriers out of Obamacare.
Nice to see someone in Washington even recognized it.
I think it's perfect. Here's why: There are three kinds of 'pre-existing conditions.' The first is the patient born with some congenital defect that will be a problem forever. Medicaid or insurance should be the payer for that, because it is actuarially predictable. (Hence you can control for risk.)
Same for the second type of 'pre-existing condition,' which would include those who come down with a chronic disease like diabetes.
But the third type, that is totally unpredictable, is the 28 year old numbskull who crashes his Camero at 2:00 in the morning and signs up for insurance at 9:00 AM. After $250,000 worth of trauma care and surgery, he's all better and then stops paying premiums. This was exactly the undefinable risk that created much of the losses that drove many of the insurance carriers out of Obamacare.
Nice to see someone in Washington even recognized it.
Wrong on all three.
Congenital: States are now allowed to cap benefits under Medicaid. This will result in more deaths.
Pre-existing: What happens to those people who have the misfortune to lose their jobs - see my post above yours. Health insurance is unaffordable for the unemployed.
Last Minute Signups: You are uninformed. No one can sign up willy-nilly for insurance after an accident outside of annual Open Enrollment Periods, explained here:
Or this. You are self-employed with no access to group insurance any more (thanks, Trump!) and you are over 50, so your insurance goes up five times what it currently is. You can no longer afford to purchase insurance, and as an added bonus, you will be forced to pay a penalty because they forced you out of the market through no fault of your own. Yes, Mr. Trump, THIS plan is mean, mean, mean.
I think you're right, the GOP's Reverse Robin Hood policies are all about killing as many people who are not in the top 1% as they possibly can. And if this POS bill goes through, they will undoubtedly succeed.
Sounds like you summed it up nicely!
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