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I Have a Serious Question about the Affordable Care Act
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Jan 17, 2017 14:12:05   #
lindajoy Loc: right here with you....
 
JimMe wrote:
As I've read, the "... Enhanced oil recovery injects fluid into rock layers where oil and gas have already been extracted..." is done to equalize the weight lost by the oil's removal, and so reduce the probability of major shifting or collapsing of the crust...


Thank You for reading it..
Fracking enhances with the many now doing it all over the world...

I won't say it is completely safe to the core structure but I recognise with the enhancements now done it is significantly better and will continue to improve...

Each person has their view, many here will support u our position..

My reply was just to offer another opinion of it...

Thank You..

Reply
Jan 17, 2017 14:36:08   #
CounterRevolutionary
 
straightUp wrote:
We always go back to the innocence of that classroom model don't we? "Competition is good". It's a great way to introduce economics to school kids, because in a theoretical model, competition *IS* good and it forms the basis for how we want capitalism to work. But it's a little naive for grown adults to keep saying that about a real system in the real world. The real world tends to complicate things beyond what we would expect a kid to understand. Even Adam Smith, the god-father of capitalism who coined the term "Invisible Hand" made it a point to call it a theory and suggested that in practice it might not work the same way.

I was going to get into a comprehensive response to explain how a market based on covering losses makes the free market inherently more expensive, but you might not have time for long-winded liberals. So I'm just going to say that any comprehensive response will reveal the logic behind the inarguable fact that the ACA has indeed slowed the rate of escalating prices for health coverage to a rate not seen since 1965.
https://www.whitehouse.gov/sites/default/files/docs/healthcostreport_final_noembargo_v2.pdf

Of course I'd be more than happy to explain how this happens... if you like... 'just let me know.
We always go back to the innocence of that classro... (show quote)


Of course, the cost of healthcare is escalating, because the government regulates it so while politicians reap huge campaign contributions from the Insurance racket.

Worse, the INFLATION machine at the Federal Reserve Bank that is incessantly printing too much money and throwing it into the wind abroad in multi trillion dollar bailouts of socialist failed states, is systematically devaluing our currency and impoverishing us. There is your "hidden hand," more like the fickle finger of fate, that is a national wrecking ball.

Start off by shutting down these government central banks. Next, open up interstate commerce that we might have access to free markets again.

Reply
Jan 17, 2017 14:38:00   #
CounterRevolutionary
 
chris4 wrote:
Let's see if Trump does what he says everyone will have affordable health insurance, Less government in your business , That why are Dr are leaving because government telling them what they can & can't do , Doctor need to be able to treat their patients without government intervener


You are a very perceptive poster. Good point.

Reply
 
 
Jan 17, 2017 14:42:20   #
CounterRevolutionary
 
VTHP683g wrote:
To the person who is retiring. Can you do without health insurance that you used to be provided ?

Please look to the future. Do you also support the millionaire, Paul Ryan, as he promises to gut social security and Medicare?

John D

A human and caring a USA humanitarian.


Here, watch this: "Obamacare, this is not a "choice" it is a monopoly." Speaker Paul Ryan.
Speaker Ryan: Obamacare Repeal Resolution Is "Critical Step Toward Delivery Relief"
https://www.youtube.com/watch?v=KBWVjGlmrCs

Please stop listening to the socialist Main Stream Media's scare tactics and READ the Congressional Bill HR 3121, The American Health Care Reform Act. The name of the game is to get more bang for your buck. Speaker Paul Ryan was formerly Chairman of the House Finance Committee and knows how to manage money wisely. It is not a sin to know how to manage money.

Restructuring Medicare and Social Security is not "gutting," but enhancing benefits. You need to read the plan. Take a look at the Health Care Reform Act of 2013:

https://www.congress.gov/bill/113th-congress/house-bill/3121
H.R.3121 - American Health Care Reform Act of 2013
113th Congress (2013-2014)

There is one summary for H.R.3121. Bill summaries are authored by CRS.

Shown Here:
Introduced in House (09/18/2013)

American Health Care Reform Act of 2013 - Repeals the Patient Protection and Affordable Care Act and the health care provisions of the Health Care and Education and Reconciliation Act of 2010, effective as of their enactment. Restores or revives provisions amended or repealed by such Act or such health care provisions.

Amends the Internal Revenue Code (IRC) to allow an income tax standard deduction for a specified percentage of an individual's health insurance costs, regardless of whether or not the taxpayer itemizes other deductions. Excludes the amount of such a deduction from employment taxes.

Allows a taxpayer, for earned income credit purposes, to exclude from earned income any employer contributions to a qualified accident or health plan.

Allows double additional contributions to a health savings account (HSA) if both spouses are age 55 or older and one spouse is not an account beneficiary.

Prescribes special rules for HSA coverage eligibility for certain individuals: (1) participating in a Medicare Advantage Medical Savings Account (MSA), (2) receiving periodic hospital care or medical services for a service-connected disability, (3) eligible for Indian Health Service assistance, or (4) eligible for TRICARE coverage.

Prescribes requirements for interaction of health flexible spending arrangements (FSAs) and health reimbursement arrangements with HSAs.

Prohibits the payment of health insurance premiums from HSAs, with certain exceptions.

Prescribes circumstances in which certain medical expenses incurred before establishment of an HSA may still be qualified expenses.

Prescribes requirements for protection of any HSA in a bankruptcy proceeding.

Amends title XIX (Medicaid) of the Social Security Act (SSA) to authorize additional health opportunity account demonstration programs.

Treats membership in a health care sharing ministry as coverage under a high deductible health plan.

Renames high deductible health plans as HSA qualified plans.

Allows payments from an HSA for: (1) direct primary care service arrangements, (2) certain exercise equipment and physical fitness programs, (3) certain nutritional and dietary supplements, and (4) periodic fees paid to a primary care physician for the right to receive medical services on an as-needed basis.

Increases the maximum limit on contributions to an HSA to match deductible and out-of-pocket expenses limitations.

Prescribes requirements for establishment of child health savings accounts, for which an income tax deduction shall be allowed a taxpayer equal to the aggregate cash amount paid into the account during the taxable year.

Amends the IRC to include in gross income any distributions from an HSA for an abortion.

Amends the Employee Retirement Income Security Act of 1974 (ERISA), the Public Health Service Act (PHSA), and the IRC to authorize premium and cost-sharing variances in group health plans based on certain financial incentives for participation (or lack of it) in a standards-based wellness program.

Amends the PHSA to direct the Secretary to provide a grant of up to $5 million to each state for the costs of creation and initial operation of a qualified high risk pool if it has not created such a pool as of September 1, 2013. Limits participation in such a pool to U.S. citizens and nationals.

Declares that the laws of the state designated by a health insurance issuer (primary state) shall apply to individual health insurance coverage offered by that issuer in the primary state and in any other state (secondary state), but only if the coverage and issuer comply with conditions of this Act.

Prohibits a health insurance issuer from offering, selling, or issuing individual health insurance coverage in a secondary state if its insurance commissioner does not use a risk-based capital formula for determining capital and surplus requirements for all health insurance issuers.

Amends the McCarran-Ferguson Act to declare that nothing in it shall modify, impair, or supersede the operation of any of the antitrust laws with respect to the business of health insurance (including the business of dental insurance).

Amends SSA title XI (General Provisions) to require the Secretary to make available to the public Medicare claims and payment data, including data on payments made to any provider of services or supplier.

Authorizes a state to establish a Health Plan and Provider Portal website to standardize information on: (1) health insurance plans available in the state, and (2) price and quality information on health care providers (including physicians, hospitals, and other health care institutions).

Declares that nothing in this Act shall be construed to interfere with the doctor-patient relationship or the practice of medicine.

Amends the American Recovery and Reinvestment Act of 2009 to eliminate the Federal Coordinating Council for Comparative Effectiveness Research.

Amends ERISA to prescribe requirements for establishment and governance of association health plans, which are group health plans meeting certain ERISA certification criteria whose sponsors are trade, industry, professional, chamber of commerce, or similar business associations.

Limits the commencement of a health care lawsuit, except in certain cases including fraud or intentional concealment, to three years after the date of manifestation of injury or one year after the claimant discovers, or through the use of reasonable diligence should have discovered, the injury, whichever occurs first.

Limits to $250,000 the amount of noneconomic damages in such a lawsuit, but allows a claim for the full amount of any economic damages.

Requires the court, in any health care lawsuit, to supervise the arrangements for payment of damages to protect against conflicts of interest that may have the effect of reducing the amount of damages awarded that are actually paid to claimants.

Specifies criteria for the award of punitive damages, limited to the greater of $250,000 or double the amount of economic damages.

Preempts state law with respect to health care lawsuits.

Declares that nothing in this Act shall be construed to: (1) require any health plan to provide coverage of or access to abortion services; or (2) allow the Secretary, the Secretary of the Treasury, the Secretary of Labor, or any other federal or non-federal person or entity in implementing this Act to require coverage of, or access to, abortion services.

Prohibits the use of funds authorized or appropriated by this Act to pay for any abortion or to cover any part of the costs of any health plan that includes abortion coverage, except: (1) if the pregnancy is the result of an act of rape or incest; or (2) in the case where a pregnant female suffers from a physical disorder, physical injury, or physical illness that would, as certified by a physician, place the female in danger of death unless an abortion is performed, including a life-endangering physical condition caused by or arising from the pregnancy itself.

Congress.gov

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Jan 17, 2017 16:03:47   #
lindajoy Loc: right here with you....
 
Louie27 wrote:

Great post Linda. The Democrats do not believe anything that is written or posted unless it is by a Democrat or only so-called experts.


Unfortunately, you are correct...With exception of a few in here and a few of my Democrat friends I can not believe how closed minded they are...

I guess they same the very same of us and yet we wonder nothing gets done???

The partisan BS has got to change and really floors me when you know there is no party anymore other than Criminal Hill eleits vs We, the People..Have they personally witnesses the fact neither pity regardless of whom is in office do anything?? Was that not the frustration that caused a shellacking across this country never seen before???

Good grief, Louie~~ Thank You as well for your kind compliment...You are a true patriot, my friend...



Reply
Jan 17, 2017 16:05:05   #
peter11937 Loc: NYS
 
chris4 wrote:
That because the other countries actually care about their people our leaders are greedy & don't care ,


You mean like Putin cares for the Russian people or Kim in N. Korea? Whatever you're smoking, it is making you delusional. Even Obama had a basic, tho incorrect, feeling that he was doing what was best, but his background as a community organizer led him down the WRONG path and he is too much the malignant narcissist to change.

Reply
Jan 17, 2017 16:06:42   #
Quakerwidow Loc: Chestertown, MD
 
straightUp wrote:
Eh... not so with you on that one... I like that you're looking for alternatives and that you can see the non-profit advantage, but I don't understand the revulsion toward a government-operated option - after all, the government *is* non-profit. From a business perspective, the government operates as a non-profit organization. All of a sudden you get so inclusive, talking about "us" as if we all have the same needs... It's already cheaper for the existing insurance companies to kill a lot of their customers than to fix them... The providers aren't a factor in that realty the patients are... Some patients simply cost a lot of money to keep alive. This is why profit-driven insurance companies want to exclude preexisting conditions (which are usually chronic) ...because they represent those equations where it would be more cost effective for them if the patient died. The customers that profit margins favor are the young healthy customers that pay in more than they draw out... Whether the provider is public or private makes no difference to this variation, but as a non-profit organization is does have that advantage...

Also, contrary to what many people think, private companies that answer to wealthy hedge funds are not always as efficient as a government that answers to poor citizens. The public option the Democrats pushed for in 2016 was based on Medicare, which has a 5% overhead on cost. The average for the insurance industry is 20%.
Eh... not so with you on that one... I like that y... (show quote)


Thank you for the dose of reality. I am getting SO tired of those who think single payer would be more expensive than all these separate insurances with all their advertising and middle management expenses.

Reply
 
 
Jan 17, 2017 16:10:16   #
Quakerwidow Loc: Chestertown, MD
 
straightUp wrote:
aw... is this a party thing? You're rubber, I'm glue is that it?

1. There is no party of ignorance, but there is a culture of ignorance and the Republican party uses that to their advantage.
2. The Republicans have had plans for decades... A lot of the ACA is based on ideas borrowed from the likes of Romney and Gingrich. The problem is the Republicans can't come up with anything that doesn't cut into profits of the insurance industry. It seems that the industry is set on squeezing the people and they want the government to stop interfering. So, despite the fact that the moral side of the Republican Party has actually tried to come up with a solution, the business side of the Republican Party won't pass it. The Democrats have already sworn they will support any solution the Republicans come up with that will actually help the people. As it stands right now... the Republicans got nothing.
aw... is this a party thing? You're rubber, I'm gl... (show quote)


Amen.

Reply
Jan 17, 2017 16:47:37   #
Quakerwidow Loc: Chestertown, MD
 
JimMe wrote:
VTHP683g...

Let me get this straight... Competition in the Market Place will not produce Cheaper HealthCare... Actually, competition in the Market Place is a Natural Way to produce Cheaper HealthCare... When there is competition, the poor have choices they do not have without competition... Competition allows a company to provide services to the untapped market of poor for a smaller profit margin... As the business saying goes "We lose money with every sale, we simply make it up in volume!"
VTHP683g... br br Let me get this straight... Com... (show quote)


Actually, there is little competition for the poor. Companies charge as much as they can get away with and, when the poor find the premiums prohibitive, the companies pull out of the market. It happened to me more than once before I finally reached Medicare age.

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Jan 17, 2017 16:48:09   #
lindajoy Loc: right here with you....
 
straightUp wrote:
Who? Forrest Trump?
...Like a box of chocolates... you never know what you're gonna get. Don't be disappointed if he doesn't turn out to be everything you had hoped for... I'll be right here with a box of tissues for you.


You know when you break up the quote as you do and I or anyone else goes to reply it doesn't show...

So I'll leave it to what I said versus what you said and let both speak for themself..

I am glad you made this comment as you did, however...

"Hmm, in practice there's not much difference... SS is essentially a trust fund and is excluded from the budget because the people don't fund it... their employers do. But the entitlement programs ARE funded by the people AND they're in the budget. My point is... either way, the money is in the hands of the government and at no point does it ever belong to them. Whether it's a trust fund, an insurance account or a treasury it comes down to the same basic condition. "

Excluded from the budget and stolen from when they need money..Another forced partication on money we can not use as we desire but they can steal from it whenever they wsnt..It wasn't set up to be"their slush fund, was it...

Yes, it does come down to the same basic principles of forcing a program on us, automatically taking " their percentage" while they sit waiting for us to die so they don't have to pay, including moving the age requirement before you can ever draw on it..

One final issue, straight up, I do not lie and don't revert to such measures of calling you a liar simply because we have a different view...Lying only causes you to have to lie again..There is nothing and no one in here worth going to such a measure..We can have honest discord with manors, not reducing ourself to " the ass" someone else may assume us to be, right??

I do hope you will remember that in the future..

Reply
Jan 17, 2017 17:04:23   #
JFlorio Loc: Seminole Florida
 
There is little competition for anyone. The poor have always had Medicaid and could not be refused at a hospital. The expense to government hence taxpayers could be greatly reduced using free market principals, caps on damages,portability , deductible health savings accounts, and above all transparency. The govt would then have to cover the indigent buy formomg huge high risk pools. As far as covering pre conditions goes. Fine, but that's no longer insurance.
Quakerwidow wrote:
Actually, there is little competition for the poor. Companies charge as much as they can get away with and, when the poor find the premiums prohibitive, the companies pull out of the market. It happened to me more than once before I finally reached Medicare age.

Reply
 
 
Jan 17, 2017 17:15:20   #
Quakerwidow Loc: Chestertown, MD
 
JFlorio wrote:
There is little competition for anyone. The poor have always had Medicaid and could not be refused at a hospital. The expense to government hence taxpayers could be greatly reduced using free market principals, caps on damages,portability , deductible health savings accounts, and above all transparency. The govt would then have to cover the indigent buy formomg huge high risk pools. As far as covering pre conditions goes. Fine, but that's no longer insurance.


You obviously have never had to deal with Medicaid. As a former hospital chaplain I can tell you that ACA has enabled people to get the primary care they need without having to resort to the emergency room because they have no primary care person to turn to (I say "person" because few of us rate an actual M.D. as a primary care person). The expense to the taxpayer is greatly reduced by allowing each individual to have a primary care person and the means for necessary treatment. To expect someone with an underlying health problem to do the same amount of work as a healthy person is to expect the impossible. Furthermore, there is no "free market" involved in illness. When one is ill one is in no condition to go shopping for health care.

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Jan 17, 2017 17:21:21   #
JFlorio Loc: Seminole Florida
 
Your rant makes no sense.
Quakerwidow wrote:
You obviously have never had to deal with Medicaid. As a former hospital chaplain I can tell you that ACA has enabled people to get the primary care they need without having to resort to the emergency room because they have no primary care person to turn to (I say "person" because few of us rate an actual M.D. as a primary care person). The expense to the taxpayer is greatly reduced by allowing each individual to have a primary care person and the means for necessary treatment. To expect someone with an underlying health problem to do the same amount of work as a healthy person is to expect the impossible. Furthermore, there is no "free market" involved in illness. When one is ill one is in no condition to go shopping for health care.
You obviously have never had to deal with Medicaid... (show quote)

Reply
Jan 17, 2017 17:23:26   #
peter11937 Loc: NYS
 
lindajoy wrote:
You know when you break up the quote as you do and I or anyone else goes to reply it doesn't show...

So I'll leave it to what I said versus what you said and let both speak for themself..

I am glad you made this comment as you did, however...

"Hmm, in practice there's not much difference... SS is essentially a trust fund and is excluded from the budget because the people don't fund it... their employers do. But the entitlement programs ARE funded by the people AND they're in the budget. My point is... either way, the money is in the hands of the government and at no point does it ever belong to them. Whether it's a trust fund, an insurance account or a treasury it comes down to the same basic condition. "

Excluded from the budget and stolen from when they need money..Another forced partication on money we can not use as we desire but they can steal from it whenever they wsnt..It wasn't set up to be"their slush fund, was it...

Yes, it does come down to the same basic principles of forcing a program on us, automatically taking " their percentage" while they sit waiting for us to die so they don't have to pay, including moving the age requirement before you can ever draw on it..

One final issue, straight up, I do not lie and don't revert to such measures of calling you a liar simply because we have a different view...Lying only causes you to have to lie again..There is nothing and no one in here worth going to such a measure..We can have honest discord with manors, not reducing ourself to " the ass" someone else may assume us to be, right??

I do hope you will remember thay in the future..in the future remember that..
You know when you break up the quote as you do and... (show quote)


When the SS system was set up during the FDR admin. , the cost was split, 1/2 from the employer, 1/2 from the employee. Actually ALL came from the employee, as the employer , if they could pay SS they could have paid the employee. Further, the money was , by law, invested in GVT bonds of a specific type that paid TWO PERCENT. Those funds were spent buying other bonds who's proceeds went into the GENERAL FUND, and as these make up a big part of the national DEBT, there is NO there to pay off just a giant IOU from Uncle Sam! Face it, we've all been RIPPED OFF by the Fed. Gvt.. Hope you al have pvt retirement funds, otherwise you're up that proverbial creek!

Reply
Jan 17, 2017 17:25:58   #
lindajoy Loc: right here with you....
 
JFlorio wrote:
You need to apologize you smarmy piece of shit. Linda does not lie. She just has the audacity to disagree with you.


Thank You,J...

I think straight up is taking lessons from glucons who often replies with, ~~you lie....lolol.. too funny...

Anyway, I do sincerely appreciate your reply...

Reply
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