Keystone pipeline delayed (Page 17): I understand, and that's too bad, but my contention is that it wasn't necessary to tear the health system apart to accommodate people like you. The...

stan3186

maelstrom wrote:

I fell into the state that didn't have that, though I tried to find it, was always turned down, in that regard the ACA has help me.

I understand, and that's too bad, but my contention is that it wasn't necessary to tear the health system apart to accommodate people like you. The answer was simple, have each state develop a high risk pool and have the Feds supplement those pools. Another,more simple thing was just to require the insurance companies to insure everyone regardless of pre-existing or go out of business. They would have stayed in business, believe me. I used to sell health and life insurance for a few years, and am pretty familiar with the rules and how they worked.

PoppaGringo Loc: Muslim City, Mexifornia, B.R.

maelstrom wrote:

I fell into the state that didn't have that, though I tried to find it, was always turned down, in that regard the ACA has help me.

Just curious. What type plan do you have under ACA? What is your deductible, copay, and monthly premium?

Artemis

stan3186 wrote:

I understand, and that's too bad, but my contentio... (show quote)

It sounds like it, and those ideas sound good, but I don't see it as tearing it all up either. The Insurance companies have gotten so massive they are almost impossible to control, especially with all their paid lobbyist. I think that is why this was pushed through.

It is the small independent business owners that seem to get beat the most at every turn... taxes ,insurances and so on. I recall receiving a health policy with 99 reasons why they wouldn't pay a claim, my remark as "what ,they couldn't make it an even 100? On top of that there were numerous clauses to each one of us...it as amazing.

In truth I think we're losing ground on being taken advantage of by Large corporations, and that too can be a dark place, especially being submerged internationally.

PoppaGringo Loc: Muslim City, Mexifornia, B.R.

maelstrom wrote:

It sounds like it, and those ideas sound good, but... (show quote)

Each state has an insurance commissioner which oversees all insurance companies, determines who may, and may not, sell insurance in their respective states.

Artemis

Old_Gringo wrote:

Each state has an insurance commissioner which oversees all insurance companies, determines who may, and may not, sell insurance in their respective states.

Yes I called them once , they weren't very helpful.
What could be redeemable fix would be more of that open market talked about but never really happened.

PoppaGringo Loc: Muslim City, Mexifornia, B.R.

maelstrom wrote:

Yes I called them once , they weren't very helpful.
What could be redeemable fix would be more of that open market talked about but never really happened.

If one could purchase insurance across state lines, as we can auto insurance, it would bring down the cost of insurance. Some companies enjoy a distinct advantage in being only one of a few companies in each state.

Coos Bay Tom Loc: coos bay oregon

Thats a good idea Gringo.

Old_Gringo wrote:

If one could purchase insurance across state lines, as we can auto insurance, it would bring down the cost of insurance. Some companies enjoy a distinct advantage in being only one of a few companies in each state.

stan3186

fom wrote:

Thats a good idea Gringo.

And guess who is one of the primary States that are against that New York. You actually have to be a NY insurance company to write insurance in NY. Liberal resistance.

Coos Bay Tom Loc: coos bay oregon

Is it insurance company lobbyest dollars influencing this?

stan3186 wrote:

And guess who is one of the primary States that are against that New York. You actually have to be a NY insurance company to write insurance in NY. Liberal resistance.

PoppaGringo Loc: Muslim City, Mexifornia, B.R.

fom wrote:

Is it insurance company lobbyest dollars influencing this?

No, it is the Federal Government that decrees insurance companies may not sell across state lines.

Coos Bay Tom Loc: coos bay oregon

Looks like we need our congressmen to work on this if it will make things better

Old_Gringo wrote:

No, it is the Federal Government that decrees insurance companies may not sell across state lines.

PoppaGringo Loc: Muslim City, Mexifornia, B.R.

fom wrote:

Looks like we need our congressmen to work on this if it will make things better

It is something many insurance companies, to my knowledge, have wanted since almost forever. The people have wanted, and advocated for it for many years. Why it hasn't been done I don't know. The Conservatives have pleaded for it. Whoever is responsible for not allowing it, I have no idea. It is also something the Repub's has advocated for change in the ACA since it doesn't look like it will be repealed.

Coos Bay Tom Loc: coos bay oregon

I have nothing against it.

Old_Gringo wrote:

It is something many insurance companies, to my knowledge, have wanted since almost forever. The people have wanted, and advocated for it for many years. Why it hasn't been done I don't know. The Conservatives have pleaded for it. Whoever is responsible for not allowing it, I have no idea. It is also something the Repub's has advocated for change in the ACA since it doesn't look like it will be repealed.

Loki Loc: Georgia

Old_Gringo wrote:

Each state has an insurance commissioner which oversees all insurance companies, determines who may, and may not, sell insurance in their respective states.

I ran into that crap on some dental insurance. Found a nice affordable policy that you could not buy in GA.

Floyd Brown Loc: Milwaukee WI

Old_Gringo wrote:

No, it is the Federal Government that decrees insurance companies may not sell across state lines.

Of course it isn't the Insurance Companies that don't want competition that keeps it the way it is.