ObamaCare Mandate was a Tax... Not Anymore (legal, illegals, how much)
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Health care rates were increasing before the ACA, they will increase more with the removal of the mandate. Millions will lose their health care so what's the GOP plan other than increase rates and kicking people off health care.
Why would millions lose their insurance? Some people may CHOOSE not to enroll. Some of them will insure in a non ACA manner, but rather will purchase what fits their needs. Those who choose not to be insured whether with a mandate or not will face their own consequences. Most will remain in the marketplace and will still get their premium subsidy so they will be immune to any premium increase caused by the elimination of the individual mandate.
I don't believe that for a minute. Without a mandate, insurance companies will be more likely to compete. If insurance is mandatory, then people would have to purchase it regardless of the price. Now that it's optional that means that insurance companies have to make their product more attractive, otherwise they won't earn business. We need a true market, not a rigged system that guarantees profits for insurance companies.
Haahahahha.
Before there was the ACA, there was no mandate. Insurance companies were out of control. Rather than accept pre-existing conditions and charging higher premiums (though they did that as well, in some cases), most of them just rejected you if you had a few pre-existing conditions. Or people went bankrupt. In fact, prior to the ACA, 60% of all bankruptcies were health care related. Not only that, if you got sick and used the health insurance, they would drop you at renewal time.
But you go ahead and live in the dream world where insurance companies are basically just good corporate citizens and will become "more attractive" to get customers--lol. Are you under the impression that people choose to become sick? Born with a disease? Get cancer? Need an emergency appendectomy? Because if that should happen--no more health insurance. No more attractive customer. Then you are a problem that an insurance companies do not want.
Do you honestly believe that insurance companies will compete for customers in the age group of 45 to 64? Get a clue. Insurance industry profits have never suffered, not through recessions or anything else. They just raise premiums and cut care when they need to pay the shareholders. There is a reason we are in this place right now.
Health insurance became an issue in 1991 before the presidential election--go back and read the headlines if you don't believe me. All of the solutions have already been tried. Health care is not a free market and will not work like one...ever.
Let's revisit in a year when the 2019 plans and premiums are rolled out. I am going to bet that those who do not get insurance through their employers, will be howling about the cost of insurance or the fact that they cannot get insurance. Period. Trump's sneaky little mandate repeal will be felt bigly--and probably by those in rural areas even more.
Most insurance that you are forced to have is close to extortion. Homeowner's insurance in Florida, say, flood insurance, or auto insurance if you've had an accident. But you can at least choose not to own a home or drive very carefully. You cannot decide not to be sick. Sometimes it feels like this country is just going in circles in order to revert to policies that have already failed and failed again.
Why would millions lose their insurance? Some people may CHOOSE not to enroll. Some of them will insure in a non ACA manner, but rather will purchase what fits their needs. Those who choose not to be insured whether with a mandate or not will face their own consequences. Most will remain in the marketplace and will still get their premium subsidy so they will be immune to any premium increase caused by the elimination of the individual mandate.
They choose not to enroll but use the ER's as their doctors. Since the hospitals can't turn them away. Then all of US pay for their care. Which was the disaster we had prior to the ACA.
Business owner who has bought health insurance for 20+ years for employees.
They choose not to enroll but use the ER's as their doctors. Since the hospitals can't turn them away. Then all of US pay for their care. Which was the disaster we had prior to the ACA.
Business owner who has bought health insurance for 20+ years for employees.
No, we don't pay for ER care. The person getting the treatment gets a bill. They pay it or they don't. If they don't pay it, the person who owes the bill goes into bankruptcy and the debt is discharged.
Please stop repeating the simplistic liberal lie that everyone pays for the uninsured who use the ER for primary care.
They choose not to enroll but use the ER's as their doctors. Since the hospitals can't turn them away. Then all of US pay for their care. Which was the disaster we had prior to the ACA.
Business owner who has bought health insurance for 20+ years for employees.
We could all save a ton at the ER by deporting all illegals.
They choose not to enroll but use the ER's as their doctors. Since the hospitals can't turn them away. Then all of US pay for their care. Which was the disaster we had prior to the ACA.
Business owner who has bought health insurance for 20+ years for employees.
Serious question here peanut. If you support ACA so much did you offer your employees a voucher so they could purchase from the individual marketplace and help shore up the pool?
The individual marketplace is failing because primarily sick and old signed up. I have my plan via the marketplace (unsubsidized) being self employed and it is horrible. Over 15K in premiums for a family Bronze plan with 14.5K deductible with a very narrow network. It is crazy!
We could have used a large influx of healthier folks into the pool. I feel delaying the Cadillac tax was a death knell for ACA as it would have forced better actuarial risked people into the pool to help lower premiums.
Serious question here peanut. If you support ACA so much did you offer your employees a voucher so they could purchase from the individual marketplace and help shore up the pool?
You can't do that, if you are an employer who is mandated to provide health insurance you can't refer your employees to the individual market. When the ACA first started my husband's employer tried doing just what you suggested and got shot down by the feds.
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