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States, not the Federal Government, have primary responsibility for regulating insurers. No two states have the same regulations. This includes which medications must be covered by insurance.
They is the people and interests who forced Obamacare on America.
Insurers aren't the problem. Insurers just process claims and pass along provision costs used by consumers conditioned to buy what they're told through mandated coverage.
Now it's your turn to tell us about the exemptions.
Because you want to ignore that fact that Obamacare HURT millions.
It helped million and hurt millions.
Most people have better insurance than existed before the ACA. Better costs more.
Most people assumed all insurance was alike. States have and continue to do things to make premiums more affordable. Consumers don’t necessarily know the trade offs.
There are a few states that have allowed insurers to operate even though their PPO does not cover all medical specialties. If one needs an excluded specialty, it is necessary to go out of network. The insurer reimburses the provider at out of network rates and the consumer is responsible for the balance bill which does not count towards the annual cap on out of pocket.
Then there are states that allow hospitals to engage with providers who are independent of the hospital’s PPO network. Again, it’s another surprise billing and out of pocket expense.
My personal favorite for the hall of shame are those states that allowed insurers to base reimbursement to ERs, based on diagnosis, not symptoms.
Most people are unaware of the nuances created by their state in a quest to offer more so called affordable premiums to the masses, until confronted with an unexpected balance bill.
Why can't you? It is a bad law and was always a bad law. Did we need to replace Jim Crow laws before repealing them?
I agree with you that it needs to be replaced. The problem is Americans only see an inch in front of their noses. My taxes will go up if we have universal health care. Yes, but what you pay for health care will go down.
We don't need to reinvent the wheel here. Australia has an excellent system. We copy it, modify it a bit and roll with it. The dems could have done that. Instead they strapped us with the abortion misnamed the Affordable Care Act. It should have been named The unaffordable care Act or the rape of the middle-class. Both apply equally.
Trump conjoined repeal and replace. There’s no going back.
It was amusing to hear/ read nearly every Republican running for the Senate or House in 2018 spout about making sure insurers covered all conditions at the same premium. I was especially amused by Rick Scott/ Florida, King of former junk plans and former CEO of a healthcare system fined $1.7 billion for fraud.
Excuse me, but the correct term is "illegal aliens." Clinton even used it in a speech.
And I'm blaming poor people for my problems? NO. Obamacare robbed from middle earners to give completely free insurance to poor people, thus CREATING the problem.
And that liberals are actually advocating for health insurance for illegal ALIENS while millions of middle earners are suffocating under $1000/month premiums for insurance that doesn't cover anything is another reason why TRUMP WILL BE RE-ELECTED. Talk about not knowing your fellow Americans! Jeez.
Your unsubsidized premium has nothing to do with subsidized premiums.
Insurers get paid the same premium no matter who is paying, you or government. The ACA caps insurer’s profits and requires insurers to demonstrate to their state regulator any proposed changes in premiums. Your state, not the Federal Government approves increases.
Government subsidizes/ pays for endless stuff that has nothing to do with any particular individual.
Please. Obama cooked up a scheme whereby millions of low-income people get free health insurance and have $0 co-pays. You think there's a way to repeal that without liberals taking up arms? What if I said we could make this work if low-income people have to pay a minimum of $100/month and $25 co-pay at the doctor's, and $50 at the ER? You'd cry "but the low-income can't afford that!" But in order to provide that to the low-income, the middle-income have to pay $1000/month and another $2000 at the ER. They can't afford that, either.
We can start by requiring co-pays at the ER for everyone.
Obama?
2 people with the same Bronze Plan, issued by the same insurer, in the same geo rated area will have the same copay, regardless if the premium is subsidized or not.
The insurer gets paid the same premium, no matter who pays it.
States, not the Federal Government, determine copays, coinsurance and deductibles for Medicaid. It varies state to state. The only exempted services are ER, pregnancy related and preventative services for children. This was true before the ACA and remains true, today.
Trump conjoined simultaneous Repeal and Replace and did so on 60 Minutes, right after he was elected. Subsequent, he denied having done so and it did not pass anyone’s Smell Test.
It seems you misunderstood. What I'm asking is, why would you need to replace it with anything at all? Explain why we can't simply repeal the ACA.
Trump
Shortly after being elected, Trump made a commitment to the people on 60 Minutes. He was very clear that it had to be simultaneous. Subsequent, he tried to weasel. It did not pass the Smell Test.
Regardless, Congress and Trump could agree to repeal and walk away, leaving it once again entirely up to each state.
That did not fly when Republicans controlled Congress and it certainly won’t fly today.
Yeah, they've got you suckers over a barrel good. If you are playing along with their game and plan to continue to play it by paying that exorbitant fee every month, you're allowing yourself to be conned. Otherwise healthy adults have no reason to continue paying the extortion and the individual mandate was dropped for 2019. Cancel the coverage, save the money and take personal responsibility to stay away from the pills, doctors, and hospitals as best you can.
And what if, despite best efforts, one gets a yuck diagnosis ( assumes one visits an MD and gets age appropriate screenings or has an unfortunate accident or becomes a victim of violent crime?
So long as one has enough set aside to take care of the unexpected AND potential loss of income due to inability to work, have at it.
When Hillary pushed Hillarycare, health care became insurance centric instead of patient centric.
I worked in the hospital before Bill was even heard of, then while he was prez, and long after. I know personally the negative effects of Hillary on healthcare. I also still remember when Hillary said nurses were undereducated, over paid and needed to take on more responsibility. The nurses were pizzed. Then her dad got sick and he had an entire floor and the nursing staff to take care of him. What's good for her and her family is not for the little people.
Yes. It seems the liberal elites setting insurance policy know what is best for "the masses," but you can bet your bottom dollar that should one of them need care, they will not subject themselves to what they thought was good enough for everyone else.
Case in point: When I told my liberal neighbor that Obamacare forced me to lose my excellent specialist and that I was now relegated to someone with a lesser reputation, she actually said - full of sanctimony - that it should be worth it to me to give up the best specialist, knowing I'd still have someone, so that poor people can get the care they need. Then, a month later, I saw her putting a suitcase in the trunk and asked if she were going on vacation. Nope. She said she was going to a different city for a cataract removal - a simple cataract! - because she wanted the very best operating on her eye, and he happened to be in another state.
But what happens if I'm driving tomorrow and someone - probably a liberal - crashes his car into me and I end up in the hospital with a $200,000 bill? I need to have insurance.
Well in theory the party that was responsible for the accident becomes responsible for your medical bills in states without No Fault.
All but one state mandates Minimum Liability insurance. The Minimums are so low, they would hardly cover a $200,000 medical bill. If the party responsible has assets, it’s lawsuit time.
One could become a victim of violent crime.
And of course, many otherwise healthy people get a dreaded diagnosis.
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