Not-a-RINO wrote:
Okay, I have read your tirade and now I am going to put forth a reasonable explanation to some of your points.
1. Nowhere did I say the list I wrote would be the final definition of what America's health care industry should look like. I would never claim I know every aspect or concern others may have. I am sure there may be some compromises here and there to fit most American's needs. If you have ideas you would like to propose for consideration, then by all means do so should ObamaCare meet the demise it so richly deserves.
2. Having policies across state lines would help a lot. In fact, the more choices everyone has, the better. If competition is robust, then companies will vie for your money as all companies do already for other goods and services. This sure beats begging a few companies to provide you with a policy that screws you only a little for their substandard coverage. You know a good deal when you see one and I don't want your choices limited in any way.
3. HSAs don't solely help the very wealthy. You're assuming you can't put aside a few dollars for yourself and your family. Again, I want you to be able to form an HSA if you choose.
4. For pre-existing conditions, we can come up with ideas to address that problem. What about an insurance pool much like car insurance should your record indicate you can't afford a traditional policy? Maybe you can come up with something better? Reasonable people working together to address an issue can come up with a viable solution, right?
5. As for 26 year olds on their parent's policy, that is ridiculous. However, if the young adult was going to college and still a dependent on their parent's income tax, I would suppose most people would think it's reasonable to keep him/her covered.
6. As for caps on profits, limits on coverage and other facets of the industry, wouldn't you agree that this is EXACTLY what the free market addresses by default? If it didn't, McDonald's would be selling Big Macs that earn $100 on each sandwich; GM could charge an extra $50,000 a vehicle and a typical airline ticket would cost more than $20,000. Remember, the companies want you to spend your money on their services. Price and quality do matter greatly to the consumer.
Now I have a couple questions for you to consider:
1. ObamaCare - would you, in any way, consider that as "reform" of the medical industry? Republicans have been advocating reforms like the ones I have suggested, not hand it over to the government. The socialists have wanted this takeover for more than 50 years. They cheated and won in Congress while the American people lose big time.
2. Would you say the doubling of premiums (or more) good for America's families?
3. Do you think the average person feels better knowing the IRS is on guard protecting the government from people who can't afford the high premiums and outlandish deductibles?
4. Would you agree with the Democrat leadership and Obama that you and everyone else is entirely too stupid to make the right choices for themselves and their family? Would you agree America is comprised of 313 million dim bulbs that desperately need Big Government to take choices out of the insurance industry for them?
5. Do you consider providing abortions on demand and birth control a valid medical need - that your higher premiums are to subsidize this without regard to your personal beliefs including your godly faith or your belief in personal responsibility?
6. Do you think having millions of people thrown out of work or having their work week reduced to 28 hours is good for the country thanks to the implementation of ObamaCare and all the associated costs?
I can tell you one thing and hopefully it will register in your mind: ObamaCare is NOT about health care at all - it's about CONTROL of your life and your choices. We can do better for more people without having your life controlled by bureaucrats and socialists. An open and honest dialog would accomplish much, but it will be difficult because there are many like me who have no faith in the Democrat leadership at all - they earned it. Wouldn't it be nice to have this open debate as Americans instead of political theater? All it would take is honor to get the ball rolling.
Okay, I have read your tirade and now I am going t... (
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I think you are deluded, fella.
1. Reform of the medical industry is certainly needed. That is another subject that is beside the point!
2. Premiums are not doubling! That's Fox News B.S.! Factor in the subsidies. There are certainly a small percentage of policies that cover only catastrophic health issues that people bought more because of their low premiums than because they wanted deductibles of $5,000 or more. Yes, there are some policies on the exchanges with high deductibles, but they also have preventive care covered with little or no deductibles. Preventive care helps save both the insureds and the government money. In the meantime, and for the past 20+ years, they go to emergency rooms at MY expense!
3. Crap not worth responding to.
4. As a former insurance agent (tho still currently up-to-date on CE and licensed to sell health insurance), I KNOW how little people understand about their insurance policies. So...yes, I think it is great that the ACA requires higher quality provisions. We have all heard for years of people who became bankrupt because their health insurance didn't cover treatments. Medicare supplements have had minimal standardized provisions since 1992, and long-term care insurance has had minimal standardized provisions since 1998. Companies differentiate themselves in the market by adding other bells & whistles, but basic policies all have the same minimum standards.
5. I am not an avid supporter of health insurance paying for contraceptives, but I do think it should pay for exams and treatments associated with them. And I think the Catholic church is deluded in not acknowledging that 95% of Catholic women in the U.S. use contraception. I also don't think there is anything wrong with health insurance paying to abort unwanted pregnancies. I am all for limiting how far into a pregnancy abortion should be allowed. 20 weeks, as it is now I believe, sounds about right. I think that should be a discussion for another thread. If abortions from medical professionals aren't allowed, we will have pre-1971 situations in which women got abortions with clothes hangers in back alleys. Been there, done that, not good for anybody.
6. Employers have been reducing the number of full-time workers to part-time status for years now. Has nothing to do with Obamacare. It might in the future, and some employers have been using Obamacare as an excuse already to cut workers' hours. Employers will feel the effects of cutting their work forces to part-time: they will lose good employees who choose to work elsewhere. The market will decide those employers' fates. It might take a while, but it will happen.
The suggestion that allowing people to buy insurance across state lines has a couple of serious problems with it: (1) it would require that state governments give up control of what policies are sold in their states, and (2) policies are priced based upon the actuarial factors in the states and EVEN COUNTIES in which they are sold. If you are in Mississippi and want to buy a policy from an insurer in another state, that insurer is still going to be required to price it based upon local experience in Mississippi. Does it make any sense for an insurance company to sell the same policy in Montana that they sell in New York? Of course not! Over time, companies selling policies through the exchanges will compete for price, and the market will ultimately determine their cost.
I agree that HSA's don't only help the wealthy, but increasing the amounts of money that people can put in these tax-free accounts would benefit only the wealthy. Existing limits are already higher than what most poor and middle-class taxpayers can meet.
Why is the ability to keep a 25-and-under "child" on its parent's policy a problem for you? It's not like the coverage is free! They still pay for it! I am not current on typical charges for most plans, but I know that the cost to keep a child beyond age 21 for the military's TRICARE plan is $156-$180 per month.
The whole canard about Obamacare being about control is just ridiculous. You appear to be of the ilk that thinks Obama is going to find a way to get reelected into a third term so he can impose martial law and become a dictator. To that I say, get a new tinfoil hat!