Night Strike wrote:PLAYER57832 wrote:The thing that both of you ignore is that nobody really has no insurance. If you get seriously sick or injured, you DO get care. And then, after you have lost whatever you own, the rest of us pick up the tab for your bills... and often wind up supplying you with a house, food, etc (since you lost what you had to bankruptcy).
Also, MANY americans HAVE insurance, pay for it, but face ridiculous limits, high co-pays and the threat of having their policy dismissed.
The REAL truth is that having a healthy population is the best thing we can do for our economy. That does involve more than just health insurance, but insurance is a big start.
Then what's the difference in this plan?
effectiveness
Night Strike wrote:The people that can't afford the health insurance under this law will be subsidized, which means the public is still paying for them. Furthermore, ALL insurance prices will have to rise because they are no longer allowed to charge high-risk people higher premiums (since that's unfair). So really, this law does NOTHING to take care of the problems you keep complaining about with the public paying for other people.
We all have final health "coverage", but is relying upon going to the emergency room and the highest levels of cost for stricly emergency issues, followed by bankruptcy for those who have any wherewithal REALLY the most cost-effective way to deal with this issue? Evidence shows not.
'
Right now (that is, prior to passage of this bill, before its full implementation), insurance prices AND health costs keep rising. Two primary reasons heath costs have increased are the huge increases in paperwork (this bill won't fix that much at all) AND the cost of covering those who don't pay. Further, people who pay privately, whether buying private insurance OR simply paying out-of-pocket almost always face far higher costs than those with group insurance, who pay with insurance. SO, the bottom line is that
EVERYBODY pays for the indigent, right now. That won't really change.
EVERYBODY pays for those who "elect" not to have insurance or who have
insufficient insurance. (and not that many of those with insufficient insurance don't even realise it!). THIS will be reduced .. a LOT.
INDIVIDUALS and some small businesses buying insurance help subsidize the bigger groups that get discounts on their politices. THIS will change. It will change in 2 ways
a. In 4 years, the exchanges will offer policies that will better match large group policies. In some cases, they will cost more (if you are getting the very minimum types of insurance now), BUT the coverage will be much greater. The result is that while insurance costs will go up for some, overall healthcare costs will generally go down. It is projected to balance out. Also, better coverage means more people with insurance will be able to get preventive care, which will reduce the overall healthcare burden.
b. Because so many more people are now covered, the numbers of deadbeats and people who have to go bankrupt, then wind up depending on taxpayers, will go down. This will BOTH reduce the actual healthcare costs AND decrease the amount insurance companies need to charge for policies.
Also, add in this:
c. countering #b is that insurance companies will have to cover more people with serious illnesses, BUT, what happens to these people right now? Right now, they wind up on the fall back taxpayer system of either qualifying for Medicaid (children with disabilities, primarily) OR waiting until the issue is a life-threatening emergency, whereupon the taxpayers and/or other hospital patients will pick up the tab through increases in their fees. This part is projected to essentially balance out, eventually to create substantial savings as fewer and fewer people let
preventable things slide to the point the get to be emergencies. (some emergency things are not fully preventable, of course).
COMPANIES will benefit less than individuals. Those who currently offer very extravagent policies (the "cadillac" plans) will see increases. BUT, those are also policies that rather distort our healthcare system right now. Because requirements are so low and coverages so high, those policies are pretty much always subsidized by the other "more normal" policies.
LARGE companies are generally already required to offer healthcare. Those offering the absolute bottom-of-the barrel policies may have to up the ante, but most of those policies were a joke anyway. Really, they were just ways that companies could advertise that they "had insurance", but had such high co-pays that most people would have been better off or almost better off without them. (putting the money instead into just getting the care they needed).
BOTH large and small employers will get some better tax breaks. The breaks are better for small companies, but they are the ones who have had to pay higher premiums all along. Big companies have already negotiated their "breaks" with the insurance companies directly.
In the end, only will tell if this is correct or not. Right now, its just one opinion versus another, but that is what the congressional budget office projections said.
Night Strike wrote:By the way, the far left still voted for this bill because the public option is already included!!! Government panels will decide what must be covered under each insurance plan, so they will be telling the private companies what to collect on behalf of the government. The private companies can no longer offer basic insurance if the government doesn't approve of the plan. That's government control!! And what happens when these insurance companies are inevitably driven to bankruptcy?? Will the government bail them out, or let them fall and take over their plans under their direct control. It's astounding how much control you liberals give to the government.
You might try actually looking at those policies. My family had one of those policies. We faced $1000 deductable per person, per year, with co-pays NOT counting toward that $1000. Even after that $1000 was reached, only 80% of any bill was covered until we had paid another $2000.
Just add those figures up. Consider what happens when, like us, you wind up having to take your child to the hospital in December.. and then again in January. In 3 months, we had over $3000 in medical bills. FURTHER, even though legally, we were supposed to be offered payment plans, they were really handled by independent billers who are jsut glorified collection agencies. So, even though we paid over $1000 toward this bill by the end of January, we had collection agencies calling us DAILY throughout March. Finally, I did what they expect you to do and put the rest on my credit card, where we are still paying 15.99% interest.
ALSO, look at the cost to taxpayers. The ONLY reason we did not go bankrupt, wind up yet another drain on our community, is because I am an absolute penny-pincher, my husband managed to get another job with better insurance AND, then both my kids were diagnosed with disabilities that then qualified them for Medicaid (temporarily). Medicaid wound up paying a final $200 of one bill and a few co-pays (less than $400 total) .. and amount I regret, but at the same time, my husband and I have both given far, FAR more to this community and state than $400 worth of service, so I don't feel too guilty about it.
If that happened now, ... we would have coverage enough that we could have handled the payments, would not have had to seek Medicaid and my husband would not have left a job where he had 25 years in.