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The reason insurance companies exist is to spread risk. They make insurance affordable not by excluding high-risk parties by pricing them out of the pool, but by making the pool as large as possible. Insurance companies may be businesses, but their function isn't just to make a profit. They are supposed to be a safety net.
No, their entire purpose is to make a profit. It's just a business that also has benefits to the customer as it's making a profit.
But first and foremost, it has to make a profit. Even mutual companies are supposed to be paying dividends or using their profit to reduce costs to customers.
The problem with the Cruz ammendment as that it allows the insurance company to cancel/refuse to pay past claims if you get sick. They can refuse you for pre-existing conditions. They can say that you lied and had a pre-existing condition and refuse past claims, saying they were for something you had before and lied about. If this part was removed from the Cruz amendment, it would be ok. But because the Cruz amendment doesn't protect for pre-existing conditions (or insurance company saying you had a preexisting condition but you didn't) - then the new Senate healthcare bill is terrible specifically because the Cruz ammendment doesn't protect for pre-existing conditions. It will split the insurance market into 2 parts and will cause massive price increases for those that get the policies that cover pre-existing.
All the need to do with the Cruz amendment is force it to cover pre-existing conditions - but let them drop some of the mandatory items and also allow higher deductibles.
That's great information - PLEASE post the LINK to the Cruz Amendment in the US Senate, so we all can read it.
It sounds good in theory but the problem is it divides the risk pool, so you're going to have all healthy people self-selecting into the "non-ACA plan" and the sick people in the ACA plan. The costs for the ACA plan are going to get WAY worse once you take out all the healthy people from it. OTOH, the non-ACA plan will be a lot cheaper... which sounds great until you get sick and that plan doesn't cover what you need and you have to buy into the really expensive ACA plan to get covered. If we were going to do that, might as well just wholesale repeal ACA and go back to the original system... it's basically the same thing (sick people pay through the nose/can't get insurance, and healthy people pay very little) except no more huge subsidies in the first place.
They are NOT going to "just repeal ACA".
The Congress will either pass a reform OR it will stand as is ...... and implode as Insurance Companies, Hospitals and Doctors continue to exit. The State Exchanges have already imploded.
It will NOT be a "Republican Bill" that implodes -- it will be the ACA that Democrats passed without a single Republican Vote. It will stand exactly the way the Democrats passed it and Obama signed it into Law.
(with the changes that the Courts have done of course )
Exactly, it's nothing but a myth that non-insured can just go to the ER and oh my look at that they get red carpet treatment somehow. It's stabilizing treatment only and that's it. Our local hospital even has it posted on the walls what they by law must do and what they will not do.
A non-paying emergency patient is stabilized, then what? A stable patient does not mean ambulatory, transferable or dischargable.
The point is - the ACA plan doesn't pay a single dime UNTIL the High Deductible is met. It's doesn't matter to the Patient what the ACA plan has "negotiated", they don't get the benefit of that "negotiation".
Keep in mind - it's not just the high premiums that most people who are not chronically ill object to, it's the High Deductible they must meet before the ACA policy even kicks in. Due to these 2 factors (High Premium/High Deductible) people are dropping coverage. No value to the ACA policies when you still pay/pay/pay.
Not so. At least not always so. This year my wife has had huge bills paid by her Obamacare, without necessarily any OOP payments from us. In fact she has not met her annual deductible, and yet they have paid out more than $200K so far this calender year.
A non-paying emergency patient is stabilized, then what? A stable patient does not mean ambulatory, transferable or dischargable.
It means a person is treated to the minimum level to prevent death and that is all. A pregnant woman won't be turned away if she is in labor. You do not get on going care in the ER if you are uninsured. It's always going to be just as little as possible to get you by with.
They are NOT going to "just repeal ACA".
The Congress will either pass a reform OR it will stand as is ...... and implode as Insurance Companies, Hospitals and Doctors continue to exit. The State Exchanges have already imploded.
It will NOT be a "Republican Bill" that implodes -- it will be the ACA that Democrats passed without a single Republican Vote. It will stand exactly the way the Democrats passed it and Obama signed it into Law.
ACA is much better than the garbage bill coming from the Senate. Especially the Cruz amendment.
The best option is to tweak ACA to improve it. But the GOP bills aren't improvements and they make it much worse. If it means we stick with ACA for now, then so-be-it. Maybe congress will come up with some tweaks that are improvements to ACA. If they don't have the guts, then they can go back to doing nothing. Because nothing is better than the garbage bill they are trying to pass right now.
Maybe we ought to go ask Putin what he wants. Because the GOP is increasingly becoming the "Party of Putin" while many of them play dumb about Russian collusion.
Last edited by sware2cod; 07-17-2017 at 06:45 PM..
It's misleading to say that their premiums will skyrocket. In reality, it's their tax-payer funded subsidies that will decrease. In other words, they're going to have to start picking up their own slack rather than relying on others to foot the bill for their higher risk.
So boo-hoo to those crying that their handouts are going to diminish.
They are NOT going to "just repeal ACA".
The Congress will either pass a reform OR it will stand as is ...... and implode as Insurance Companies, Hospitals and Doctors continue to exit. The State Exchanges have already imploded.
It will NOT be a "Republican Bill" that implodes -- it will be the ACA that Democrats passed without a single Republican Vote. It will stand exactly the way the Democrats passed it and Obama signed it into Law.
(with the changes that the Courts have done of course )
Because the Republican congress and republican states have done everything in their power to defeat it. Even since January, Trump has been signing executive orders to further cripple the ACA. Everything that comes out of Republicans mouths now is nothing but political sewage. I have yet to see any logic or credibility from all the republican sound bytes!
Senators Mike Lee and Jerry Moran have announced that they will not support Trumpcare at this time. Granted, it's a moving target, and they might be able to buy off enough people like they are trying to do with Lisa Murkowski, but I think it's just as likely that now that the dam has been broken, more GOP Senators will also break.
Last edited by emm74; 07-17-2017 at 07:00 PM..
Reason: because it might be a damn dam but it's a dam not a damn
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Trumpcare is now 4 votes down
