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The PPACA Thread Part III - Let's have a healthy debate!

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  • #481
    Re: The PPACA Thread Part III - Let's have a healthy debate!

    Originally posted by FreshFish View Post
    A major health insurance company considers whether to withdraw from offering PPACA-Exchange policies at all.
    This is a big deal. Why would UHG consider this? Because its expensive. Why is it expensive? Because it allows for a transparent marketplace in a field where healthcare insurance is a commodity and therefore price is much more important than the marketplace would allow it to be.

    This is a big deal. And it shows that public exchanges are working for the public in a big way.
    Go Gophers!

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    • #482
      Re: The PPACA Thread Part III - Let's have a healthy debate!

      Originally posted by 5mn_Major View Post
      This is a big deal. Why would UHG consider this? Because its expensive. Why is it expensive? Because it allows for a transparent marketplace in a field where healthcare insurance is a commodity and therefore price is much more important than the marketplace would allow it to be.

      This is a big deal. And it shows that public exchanges are working for the public in a big way.
      How is it working for the public if it's forcing companies to offer a product below cost? With the way the system has been created, it's hurting the end consumers as more and more companies remove themselves from the state marketplaces and consumers eventually end up with either a single or no option at all. That doesn't help the consumers at all.
      "The party told you to reject the evidence of your eyes and ears. It was their final, most essential command." George Orwell, 1984

      "One does not simply walk into Mordor. Its Black Gates are guarded by more than just Orcs. There is evil there that does not sleep, and the Great Eye is ever watchful. It is a barren wasteland, riddled with fire and ash and dust, the very air you breathe is a poisonous fume." Boromir

      "Good news! We have a delivery." Professor Farnsworth

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      • #483
        Re: The PPACA Thread Part III - Let's have a healthy debate!

        Originally posted by St. Clown View Post
        How is it working for the public if it's forcing companies to offer a product below cost? With the way the system has been created, it's hurting the end consumers as more and more companies remove themselves from the state marketplaces and consumers eventually end up with either a single or no option at all. That doesn't help the consumers at all.
        My understanding is that more and more companies are joining the marketplace, not leaving it.

        http://www.usatoday.com/story/news/n...ysis/19027939/

        As United hasn't made a decision yet, for the 2017 enrollment season, we can only go on the facts....
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        • #484
          Re: The PPACA Thread Part III - Let's have a healthy debate!

          Originally posted by St. Clown View Post
          How is it working for the public if it's forcing companies to offer a product below cost? With the way the system has been created, it's hurting the end consumers as more and more companies remove themselves from the state marketplaces and consumers eventually end up with either a single or no option at all. That doesn't help the consumers at all.
          Considering the massive massive massive profits and price gouging that was going on before as far as I'm concerned the ****ing insurance companies are getting exactly what they deserve. You reap what you sow. And if UHG wants to bow out, go right ahead, don't let the door hit you in the *** on the way out. Soon they'll be singe payer and then UHG will be nothing but a wasteland.
          **NOTE: The misleading post above was brought to you by Reynold's Wrap and American Steeples, makers of Crosses.

          Originally Posted by dropthatpuck-Scooby's a lost cause.
          Originally Posted by First Time, Long Time-Always knew you were nothing but a troll.

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          • #485
            Originally posted by ScoobyDoo View Post
            Soon they'll be singe payer and then UHG will be nothing but a wasteland.
            we'll be dead well before that happens.
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            • #486
              Re: The PPACA Thread Part III - Let's have a healthy debate!

              Originally posted by JF_Gophers View Post
              we'll be dead well before that happens.
              Sure. ISIS is coming. Hell, they may already be here.
              **NOTE: The misleading post above was brought to you by Reynold's Wrap and American Steeples, makers of Crosses.

              Originally Posted by dropthatpuck-Scooby's a lost cause.
              Originally Posted by First Time, Long Time-Always knew you were nothing but a troll.

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              • #487
                Originally posted by ScoobyDoo View Post
                Sure. ISIS is coming. Hell, they may already be here.
                Are people actually worried about terrorist attacks? ISIS doesn't crack my top 100 concerns.
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                • #488
                  Re: The PPACA Thread Part III - Let's have a healthy debate!

                  Originally posted by JF_Gophers View Post
                  Are people actually worried about terrorist attacks? ISIS doesn't crack my top 100 concerns.
                  Watch 5 seconds of Fox News. Hell, even MSNBC this morning.
                  **NOTE: The misleading post above was brought to you by Reynold's Wrap and American Steeples, makers of Crosses.

                  Originally Posted by dropthatpuck-Scooby's a lost cause.
                  Originally Posted by First Time, Long Time-Always knew you were nothing but a troll.

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                  • #489
                    Re: The PPACA Thread Part III - Let's have a healthy debate!

                    Originally posted by JF_Gophers View Post
                    Are people actually worried about terrorist attacks? ISIS doesn't crack my top 100 concerns.
                    If you live in NYC or DC or you're going to the Super Bowl, you should be a little worried. Nowhere else. While the occasional attack somewhere else is possible, the odds are essentially zero of an attack on any given place.
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                    • #490
                      Re: The PPACA Thread Part III - Let's have a healthy debate!

                      Originally posted by Kepler View Post
                      If you live in NYC or DC or you're going to the Super Bowl, you should be a little worried. Nowhere else. While the occasional attack somewhere else is possible, the odds are essentially zero of an attack on any given place.
                      jeb's brother has kept us safe
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                      • #491
                        Re: The PPACA Thread Part III - Let's have a healthy debate!

                        Originally posted by St. Clown View Post
                        How is it working for the public if it's forcing companies to offer a product below cost? With the way the system has been created, it's hurting the end consumers as more and more companies remove themselves from the state marketplaces and consumers eventually end up with either a single or no option at all. That doesn't help the consumers at all.
                        Its capitalism. Companies must have costs/benefits that are in line with the marketplace or they go away. Every company out there faces the same issue. In some industries, the product is the same. An airline ticket is often treated like any other. Health insurance service is often the same as any other health insurance service. Historically what's made health insurance market different was that the marketplace was so consumer unfriendly that shoppers had no idea what was the best deal for them. Hence insurance companies could charge anything they want. Not any more. Having said that, UHG will be fine.

                        Heath insurance industry: welcome to the information age. I hope your ready.
                        Go Gophers!

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                        • #492
                          Re: The PPACA Thread Part III - Let's have a healthy debate!

                          Originally posted by 5mn_Major View Post
                          Its capitalism. Companies must have costs/benefits that are in line with the marketplace or they go away. Every company out there faces the same issue. In some industries, the product is the same. An airline ticket is often treated like any other. Health insurance service is often the same as any other health insurance service. Historically what's made health insurance market different was that the marketplace was so consumer unfriendly that shoppers had no idea what was the best deal for them. Hence insurance companies could charge anything they want. Not any more. Having said that, UHG will be fine.

                          Heath insurance industry: welcome to the information age. I hope your ready.
                          It's not capitalism. If someone is legally compelled to purchase a product or face a legal penalty, it is in no way, shape or form capitalism.
                          "The party told you to reject the evidence of your eyes and ears. It was their final, most essential command." George Orwell, 1984

                          "One does not simply walk into Mordor. Its Black Gates are guarded by more than just Orcs. There is evil there that does not sleep, and the Great Eye is ever watchful. It is a barren wasteland, riddled with fire and ash and dust, the very air you breathe is a poisonous fume." Boromir

                          "Good news! We have a delivery." Professor Farnsworth

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                          • #493
                            Re: The PPACA Thread Part III - Let's have a healthy debate!

                            Originally posted by Kepler View Post
                            If you live in NYC or DC or you're going to the Super Bowl, you should be a little worried. Nowhere else. While the occasional attack somewhere else is possible, the odds are essentially zero of an attack on any given place.
                            I am not so sure. They seem to like to throw a little diversion terrorism in to the mix to keep the authorities busy in one place while they make a major attempt at terror in another. If they shoot up a soft target like a restaurant on 1st Avenue and get all the attention of the police in that area, it makes it a bit easier to have their larger planned assault over in Penn Station or at the sporting event arena.
                            I agree with you that at any given time most places are incredibly safe and you are far more likely to get into a car accident on the way to dinner, but personally i would still feel a bit ill at ease in any major city like NY or DC for at least the moment.
                            Take the shortest distance to the puck and arrive in ill humor

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                            • #494
                              Re: The PPACA Thread Part III - Let's have a healthy debate!

                              Originally posted by St. Clown View Post
                              It's not capitalism. If someone is legally compelled to purchase a product or face a legal penalty, it is in no way, shape or form capitalism.
                              Exchanges allow for capitalism. Be great if all service markets used exchanges.
                              Go Gophers!

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                              • #495
                                Re: The PPACA Thread Part III - Let's have a healthy debate!

                                I'm not sure I buy UHG leaving the exchanges. 3M pulled this gambit with the pentagon recently. They sent the secretary of defense (?)(the army?) a letter stating that unless they get the big contract they were promised, they would exit the body armor business taking away basically the entire world's supply of ceramic body armor.

                                I think it's a bargaining tactic of some sort.



                                Edit: oh, and the army sent a check a month or two after the letter.
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