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I'm feel like I'm the perfect person to answer this question. Why? Because I have nothing to gain from the ACA or medicare for all if it was implemented. This is because I'm in the unique position of having great insurance for very cheap. However, for the sake of the greater good I would be willing to pay a lot more if it meant others in the USA would get decent medical insurance. Here is my current plan:
Monthly Premium: $116 for a family plan (I was getting this same plan for free for the first 11 years of my employment)
Max Deductible: $300/600 HOWEVER deductibles only apply to hospital visits for everything else I pay no deductible.
Max out of pocket: $2000/4000
Co pays: $15 regular dr, $30 specialists/most other services, co pays for services at hospitals are higher.
Medication: Tier 1: $10, Tier 2: $25, Tier 3: $50, Specialty drugs: 20% or $150 (whichever is lower).
Co-Insurance: 0%
Even if I got to keep my above plan; I would gladly be willing to pay $1,000/month in taxes to ensure that everyone (who are in the USA legally) gets good healthcare. I can't understand for the life of me the nonsense argument of "healthcare is not a right." If we go by that insane logic then a proper level of housing and food shouldn't be a right either. Meaning, someone in the USA living like a peasant in a 3rd world country would be classified as getting "proper" food and shelter.
I'm feel like I'm the perfect person to answer this question. Why? Because I have nothing to gain from the ACA or medicare for all if it was implemented. This is because I'm in the unique position of having great insurance for very cheap. However, for the sake of the greater good I would be willing to pay a lot more if it meant others in the USA would get decent medical insurance. Here is my current plan:
Monthly Premium: $116 for a family plan (I was getting this same plan for free for the first 11 years of my employment)
Max Deductible: $300/600 HOWEVER deductibles only apply to hospital visits for everything else I pay no deductible.
Max out of pocket: $2000/4000
Co pays: $15 regular dr, $30 specialists/most other services, co pays for services at hospitals are higher.
Medication: Tier 1: $10, Tier 2: $25, Tier 3: $50, Specialty drugs: 20% or $150 (whichever is lower).
Co-Insurance: 0%
Even if I got to keep my above plan; I would gladly be willing to pay $1,000/month in taxes to ensure that everyone (who are in the USA legally) gets good healthcare. I can't understand for the life of me the nonsense argument of "healthcare is not a right." If we go by that insane logic then a proper level of housing and food shouldn't be a right either. Meaning, someone in the USA living like a peasant in a 3rd world country would be classified as getting "proper" food and shelter.
Where would all the surplus money go?
$1000 a MONTH???? Why not just have a bonfire and burn cash in your yard every month? Have the same effect.
Oh, and don't forget that half of all medical expenses in USA are spent on last 15 days of hospice/hospital care before the death.
This is misleading, though.
"Last year (2016), America’s total medical costs hit a new record of $3.4 trillion, according to the federal government. That’s about 18 percent of the country’s total GDP, meaning that one out of every six dollars we spent in 2016 went to health care.
If that $3.4 trillion were spread equally throughout the population, the bill would come to some $10,350 for every man, woman and child in the country. But fortunately—for most of us, anyway—the cost of health care is not equally distributed. Rather, a small number of Americans run up most of the expense. The biggest medical costs are concentrated on a fairly small segment of the population—people with one or more chronic illnesses, plus victims of accidents or violent crime. The cost is so concentrated, in fact, that an estimated five percent of the population accounts for 50 percent of total medical costs."
No. in his scenario 30-40K Americans wouldnt die due to lack of health insurance.
But most of those 30K are probably losers who work part time at Walmart so, really we are better off if they are dead.
I don't know anyone who has died from "lack of health insurance."
Lack of care? Probably. But that has NOTHING to do with the Ponzi scheme of insurance. I know people who were medically tortured to death and the treatment was the cause of death.
Want access to health care? GET RID OF INSURANCE. Watch prices plummet IMMEDIATELY.
How much MORE are you willing to pay for health insurance?
Elizabeth "Fauxcahontas" Warren wants us to pay $52 trillion over the next ten years for her medical plan.
$52 trillion is $162,500 for each and every man, woman, and child in this country, for the next ten years.
That's $650,000 for each family of four.
Or $65,000 per year. Are you ready to write out that check, every year, for the rest of your life?
(Keep in mind that every Democrat (and a lot of Republicans) has underestimated, often hugely, the actual amount their health plans would cost.)
And if the liberals say they can "subsidize" these huge amounts for you, that simply means that someone else, in addition to paying their own $65,000 every year, will be forced to pay yours too. If it was you, would you be ready to write THAT check too, every year forever?
$1000 a MONTH???? Why not just have a bonfire and burn cash in your yard every month? Have the same effect.
Way to deflect. I'm simply answering the OP's question based on my interpretation of his question. Now if you added something constructive such as why it would logically make sense to actually burn my money rather then using it for healthcare; I could give a rebuttal. But your post is just meant to cause a "reaction" but there is no substance behind it.
Quote:
Originally Posted by newtovenice
I don't know anyone who has died from "lack of health insurance."
Lack of care? Probably. But that has NOTHING to do with the Ponzi scheme of insurance. I know people who were medically tortured to death and the treatment was the cause of death.
Want access to health care? GET RID OF INSURANCE. Watch prices plummet IMMEDIATELY.
Again, more deflection. People die because we set up a system where lack of care is directly proportional to the inferiority (or lack of) health insurance.
If the OP's question was "how can we improve the health care system in the USA?" My answer would have been very different. However, I answered the question based on the context of what he asked. However, the part of my answer that will never change is that healthcare is a right. As I said if we go by it being a "privilege" that's earned based on merit; then you are bascially saying that "no one in 1st world nations (or any human for that matter) deserves any minimal standard." Which means:
1. We should be ok with people being vastly underweight and nutrition deficient like many countries in Africa simply because they are still alive from having "just enough to eat."
2.We should be ok with people living in huts with no running water or access to proper sanitation because "its still a shelter."
3. We should be ok with having no regulations against harmful pesticides, toxins or environmental damages limits because "if you can't afford to live far enough away from that crap its your fault and its not a right."
BTW if you are ok with all of the above then you have a valid point regarding healthcare not being a right and that my money would be better off being thrown in a bonfire. However, I don't know anyone who is ok with 1-3 unless they have a serious lack of basic morals.
Way to deflect. I'm simply answering the OP's question based on my interpretation of his question. Now if you added something constructive such as why it would logically make sense to actually burn my money rather then using it for healthcare; I could give a rebuttal. But your post is just meant to cause a "reaction" but there is no substance behind it.
Again, more deflection. People die because we set up a system where lack of care is directly proportional to the inferiority (or lack of) health insurance.
BTW if you are ok with all of the above then you have a valid point regarding healthcare not being a right and that my money would be better off being thrown in a bonfire. However, I don't know anyone who is ok with 1-3 unless they have a serious lack of basic morals.
That's because your model only considers health insurance/middle man as the only source payment for health services.
Get rid of health insurance. Watch prices FOR ACTUAL CARE plummet. So you know, people can afford it.
But, you'd rather argue pro insurance/pro middle man and dice and slice that scenario. And that scenario? Does not work.
Get off the insurance train. $1000 a MONTH????? Absurd. Give your money away.
That's because your model only considers health insurance/middle man as the only source payment for health services.
Get rid of health insurance. Watch prices FOR ACTUAL CARE plummet. So you know, people can afford it.
But, you'd rather argue pro insurance/pro middle man and dice and slice that scenario. And that scenario? Does not work.
Get off the insurance train. $1000 a MONTH????? Absurd. Give your money away.
This is totally unrealistic. Health and related costs are way too risky to go uninsured, especially as we age.
Premiums may be too high for the relatively healthy middle class, and that needs to be addressed. But even there it is a serious folly to go uninsured.
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