Announcement

Collapse
No announcement yet.

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

Collapse
This topic is closed.
X
X
Collapse
 
  • Page of 67
  • Filter
  • Time
  • Show
Clear All
new posts
Previous 1 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 67 template Next
  • #526
    Re: The PPACA Thread Part III - Let's have a healthy debate!

    Today saved $3600 on from the MNSure....local health exchange. Can probably find a use for that cash. $300 a month can get me a 2016 Acura.
    Go Gophers!

    Comment

    • #527
      Re: The PPACA Thread Part III - Let's have a healthy debate!

      Originally posted by 5mn_Major View Post
      I still don't get the 'exchanges are bad' crowd.
      I don't think anyone is saying "exchanges are bad," exchanges in theory have the potential to offer a wide array of decent choices at competitive pricing.

      The problem is the confusing thicket of severe restrictions on what is allowed to be offered on the current exchanges.

      While it is really technical, there is an inherent, built-in bias toward ever-higher premiums on the particular design of what is allowed. If the exchanges allowed insurance companies to make adjustments in response to adverse experience, it would be fine. But the law says that if you lose money you have to swallow the loss, while if you make money you have to refund a portion of the profits (if any) on an annual basis. before the law, insurance companies could use a five-year rolling average of annual losses/profits to stabilize pricing by offsetting bad years with good years. Now you can never have a good year, only a mediocre year, and you cannot even offset a bad year with a mediocre year either.

      There used to be a kind of policy that was very popular in the marketplace called a "mini-med" plan. Those were inadvertently outlawed entirely, apparently because the law's drafters had never heard of them and wrote the law in such a sloppy and ill-considered fashion that they didn't even know they were making illegal a plan they had never heard of despite its widespread popularity.
      "Hope is a good thing; maybe the best of things."

      "Beer is a sign that God loves us and wants us to be happy." -- Benjamin Franklin

      "Being Irish, he had an abiding sense of tragedy, which sustained him through temporary periods of joy." -- W. B. Yeats

      "People generally are most impatient with those flaws in others about which they are most ashamed of in themselves." - folk wisdom

      Comment

      • #528
        Re: The PPACA Thread Part III - Let's have a healthy debate!

        The law states you can no longer place an annual or lifetime cap on benefits.

        Mini-med plans, as their name implies, only covered a couple thousand of dollars in expenses in a year. After accounting for premiums and co-pays, they amounted to essentially a discount for otherwise healthy people to see the doctor once or twice per year. If you got a major illness or injury, they did jack shiat because you'd still be left with tens of thousands in medical bills that would probably force you into personal bankruptcy, especailly since these plans were primarily given to low wage workers.

        I don't think poor drafting made them illegal. I think they were intentionally made illegal.
        Last edited by unofan; 01-30-2016, 08:25 AM.

        Comment

        • #529
          Re: The PPACA Thread Part III - Let's have a healthy debate!

          Originally posted by FreshFish View Post
          I don't think anyone is saying "exchanges are bad," exchanges in theory have the potential to offer a wide array of decent choices at competitive pricing.
          Good. Because healthcare exchanges are one of the best marketplace innovations (not called the internet) we've seen in decades.
          Go Gophers!

          Comment

          • #530
            Re: The PPACA Thread Part III - Let's have a healthy debate!

            Originally posted by 5mn_Major View Post
            Today saved $3600 on from the MNSure....local health exchange. Can probably find a use for that cash. $300 a month can get me a 2016 Acura.
            Might want to put that money towards your other taxes, because that's where your "reduction" came from.

            Comment

            • #531
              Re: The PPACA Thread Part III - Let's have a healthy debate!

              Originally posted by 5mn_Major View Post
              Today saved $3600 on from the MNSure....local health exchange. Can probably find a use for that cash. $300 a month can get me a 2016 Acura.
              Well, good for you. Mine went up 36% again this year. I guess I'm subsidizing your health care.
              **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.

              Comment

              • #532
                Re: The PPACA Thread Part III - Let's have a healthy debate!

                Originally posted by ScoobyDoo View Post
                Well, good for you. Mine went up 36% again this year. I guess I'm subsidizing your health care.
                Well he needs good insurance, what with dodging bullets on 394 all the time
                "It's as if the Drumpf Administration is made up of the worst and unfunny parts of the Cleveland Browns, Washington Generals, and the alien Mon-Stars from Space Jam."
                -aparch

                "Scenes in "Empire Strikes Back" that take place on the tundra planet Hoth were shot on the present-day site of Ralph Engelstad Arena."
                -INCH

                Of course I'm a fan of the Vikings. A sick and demented Masochist of a fan, but a fan none the less.
                -ScoobyDoo 12/17/2007

                Comment

                • #533
                  Re: The PPACA Thread Part III - Let's have a healthy debate!

                  Doctor-patient relationships - food for thought.

                  Comment

                  • #534
                    Re: The PPACA Thread Part III - Let's have a healthy debate!

                    Why they had to stop it before it started.

                    The first full year of the Affordable Care Act brought historic increases in coverage for low-wage workers and others who have long been left out of the health care system, a New York Times analysis has found. Immigrants of all backgrounds—including more than a million legal residents who are not citizens—had the sharpest rise in coverage rates. […]

                    [T]he Times's analysis shows that by the end of that first full year, 2014, so many low-income people gained coverage that it halted the decades-long expansion of the gap between the haves and the have-nots in the American health insurance system, a striking change at a time when disparities between rich and poor are growing in many areas.

                    "The law has clearly reduced broad measures of inequality," said David Cutler, an economics professor at Harvard, who served in the Clinton administration and advised the 2008 Obama campaign on health issues. "These are people who blend into the background of the economy. They are cleaning your hotel room, making your sandwich. The law has helped this population enormously."
                    As with social security and Medicare, the Republicans had to spew all their garbage about economic Armageddon and communism and try to kill this program before it helped human beings.

                    Can't wait for the next thing they attack. Public schools? Science? Oh, right, they're already on it.
                    Cornell University
                    National Champion 1967, 1970
                    ECAC Champion 1967, 1968, 1969, 1970, 1973, 1980, 1986, 1996, 1997, 2003, 2005, 2010
                    Ivy League Champion 1966, 1967, 1968, 1969, 1970, 1971, 1972, 1973, 1977, 1978, 1983, 1984, 1985, 1996, 1997, 2002, 2003, 2004, 2005, 2012, 2014, 2018, 2019, 2020

                    Comment

                    • #535
                      Originally posted by Kepler View Post
                      Why they had to stop it before it started.



                      As with social security and Medicare, the Republicans had to spew all their garbage about economic Armageddon and communism and try to kill this program before it helped human beings.

                      Can't wait for the next thing they attack. Public schools? Science? Oh, right, they're already on it.
                      They got coverage. Did they get access to quality health care? Of so, could they afford it?
                      CCT '77 & '78
                      4 kids
                      5 grandsons (BCA 7/09, CJA 5/14, JDL 8/14, JFL 6/16, PJL 7/18)
                      1 granddaughter (EML 4/18)

                      ”Any society that would give up a little liberty to gain a little security will deserve neither and lose both.”
                      - Benjamin Franklin

                      Banned from the St. Lawrence University Facebook page - March 2016 (But I got better).

                      I want to live forever. So far, so good.

                      Comment

                      • #536
                        Re: The PPACA Thread Part III - Let's have a healthy debate!

                        Originally posted by joecct View Post
                        They got coverage. Did they get access to quality health care? Of so, could they afford it?
                        While neither of us has that information, I'm going to go out on a limb here and say something > nothing.
                        Cornell University
                        National Champion 1967, 1970
                        ECAC Champion 1967, 1968, 1969, 1970, 1973, 1980, 1986, 1996, 1997, 2003, 2005, 2010
                        Ivy League Champion 1966, 1967, 1968, 1969, 1970, 1971, 1972, 1973, 1977, 1978, 1983, 1984, 1985, 1996, 1997, 2002, 2003, 2004, 2005, 2012, 2014, 2018, 2019, 2020

                        Comment

                        • #537
                          Re: The PPACA Thread Part III - Let's have a healthy debate!

                          Originally posted by Kepler View Post
                          While neither of us has that information, I'm going to go out on a limb here and say something > nothing.
                          OK. I'm the government. I'm stealing all your money. In return, those Mexicans will live like kings. Oh, and here's a 20. Something still better than nothing?

                          Comment

                          • #538
                            Re: The PPACA Thread Part III - Let's have a healthy debate!

                            Originally posted by FlagDUDE08 View Post
                            OK. I'm the government. I'm stealing all your money. In return, those Mexicans will live like kings. Oh, and here's a 20. Something still better than nothing?
                            The Drug War thread is next door.
                            Cornell University
                            National Champion 1967, 1970
                            ECAC Champion 1967, 1968, 1969, 1970, 1973, 1980, 1986, 1996, 1997, 2003, 2005, 2010
                            Ivy League Champion 1966, 1967, 1968, 1969, 1970, 1971, 1972, 1973, 1977, 1978, 1983, 1984, 1985, 1996, 1997, 2002, 2003, 2004, 2005, 2012, 2014, 2018, 2019, 2020

                            Comment

                            • #539
                              Re: The PPACA Thread Part III - Let's have a healthy debate!

                              Originally posted by Kepler View Post
                              The Drug War thread is next door.
                              I'm not referring to "Civil Asset Forfeiture", but rather taxation.

                              Comment

                              • #540
                                Re: The PPACA Thread Part III - Let's have a healthy debate!

                                Originally posted by joecct View Post
                                They got coverage. Did they get access to quality health care? Of so, could they afford it?
                                You're right Joe, the ACA doesn't go far enough. Glad you realize that and that it's keeping you up at night

                                Comment

                                Previous 1 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 67 template Next
                                Working...
                                X