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GOP healthcare plan
- Thread starter blessedwife318
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If healthy people don't participate in the program, any healthcare plan is doomed to fail.
It killed Obamacare. It will kill this one as well.
How does this plan address this? As far as I can tell, it doesn't. But it will have to somewhere along the line or it will fail as well.
It killed Obamacare. It will kill this one as well.
How does this plan address this? As far as I can tell, it doesn't. But it will have to somewhere along the line or it will fail as well.
I agree, I told my husband that it would speed up the death spiral even more since there is no mandate meaning only the sick will have insurance causing prices to go up.
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I agree with both of you. I believe I also saw a per person Medicaid cap on benefits somewhere in there. That's a tough sell.
Need to read more about it.
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Need to read more about it.
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voted that it needs a lot of work - it is a start but this thing needs to be amended to high heaven. It does get rid of the mandates but it also lets illegals still have healthcare and it sets up a whole new layer of tax credits and all that would expand the bureaucracy even more. It's just a new subsidy and I think they should let the states that expanded Medicaid under Obama alone and not penalize the states that didn't. Needs a lot of work.
I voted that we need to get the government out of the health insurance business and let the free market do it job. My husband and I talked about this and I think the only regulation either one of us would be ok with is requiring open pricing, meaning that every doctors office, hospital, lab center, urgent care, pharmacy, etc have their prices posted somewhere for everyone to see. It is ridiculous that you can't find out how much x procedure will cost. Also they should post the agreements they have with different insurance companies as fair competition requires information.
A couple years ago we thought I might need surgery and I could not find out the cost at all, only really rough ranges, which makes it hard to plan for when you know you are going to pay cash for it.
Also their needs to be a realization that just because you have a piece of paper called health insurance, doesn't mean you have access to health care. Even though I have insurance, we pay cash for all of my medical stuff because it is cheaper that way, so when this passes we will be dropping my insurance as it will save us quite a bit and continue to pay cash for any medical issues that may arise. And yes I realize that will contribute to the death spiral, but I see no reason to pay money for a product that I can't afford to use.
Already we are seeing the Market work in isolated areas, I know of some doctors offices that are only taking on X number of patience and they just pay a monthly fee that covers any visit they have. I'm also aware of a hospital that has opened up their prices that people all over the country are going too because they can know that an MRI will cost X and the overnight stay will cost Y. Those have been some of the responses to the problems Obamacare and I figure they will speed up under this new plan as the death spiral will also continue to speed up.
A couple years ago we thought I might need surgery and I could not find out the cost at all, only really rough ranges, which makes it hard to plan for when you know you are going to pay cash for it.
Also their needs to be a realization that just because you have a piece of paper called health insurance, doesn't mean you have access to health care. Even though I have insurance, we pay cash for all of my medical stuff because it is cheaper that way, so when this passes we will be dropping my insurance as it will save us quite a bit and continue to pay cash for any medical issues that may arise. And yes I realize that will contribute to the death spiral, but I see no reason to pay money for a product that I can't afford to use.
Already we are seeing the Market work in isolated areas, I know of some doctors offices that are only taking on X number of patience and they just pay a monthly fee that covers any visit they have. I'm also aware of a hospital that has opened up their prices that people all over the country are going too because they can know that an MRI will cost X and the overnight stay will cost Y. Those have been some of the responses to the problems Obamacare and I figure they will speed up under this new plan as the death spiral will also continue to speed up.
As to the individual mandate, there is a continuous coverage clause, meaning if you drop your coverage then want to reapply, you pay a 30% penalty to your previous insurance company. Sort of a penalty for breaking up with them.
Think about that. If you drop a lousy insurance company, your coverage lapses, then you want coverage again, you have to give this lousy company more money? Doesn't seem right to me.
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Think about that. If you drop a lousy insurance company, your coverage lapses, then you want coverage again, you have to give this lousy company more money? Doesn't seem right to me.
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Its a mandate without being a mandate. And Just as with Obamacare its a bone to the insurance companies, one that I don't think will really work out in the end. I think most young people will opt out, knowing that they can get back in after something happens. Its a gamble yes, but one I think many will take, including myself, as we already pay cash for my insurance. Young people are the very ones you need in to make the pre existing condition work.
I'm of the opinion we need to treat health insurance more like car or homeowners insurance. I don't send every oil change, tire rotation, light bulb, coat of paint etc to those insurance companies. They are there for if something catastrophic happens. Health insurance should be the same way, any routine visit, physical, flu shot, yearly exam etc should be paid out of pocket (of course this is where open pricing comes into the equation) and health insurance should be saved for the extended hospital stays, Cancers, etc.
All one has to do is look at the elective field of medicine to see what market forces can do. An example is Lasik Surgery, the cost of that procedures continues to go down, because of market forces. Or even cosmetic surgery, I was able to pull up prices for them (still a pretty penny but not as bad as I expected)
Not yet.At least no one is being told they have to pass it to find out what's in it.
I wish this is the way it would work. It will never happen until and unless health insurance is divorced from job benefits. If people were paid the equivalent of their employer's health insurance benefit (and employer's tax benefit for providing this insurance) they would have the money needed to fund an HSA, pay for routine office visits and diagnostic lab tests out of their own pocket. But this would mean ending the health insurance tax deduction for employers, something that would be a seismic shift in the way we do business and jobs in America, and likely politically unpalatable.
Lasik Surgery is a good example. Another one would be the Minute Clinics that are popping up inside of drug stores and some discount stores. You walk in there and they have a price board with common procedures listed on there.
IMO we should stop halting between two opinions.
Either the government gets out of the health care business (except for necessary regulations) or go down the social health care path full steam ahead.
I would not have objected to a renovation of Obamacare (even calling it Obamacare II) leaving president Obama his legacy and possibly having stopped the conflict between the presidents.
To try to avoid the upheaval, I plan to start going to the VA hospitals and doctors.
Here in WA a veteran friend of mine who eventually died of brain cancer (agent orange) was sent to non VA facilities.
Apparently (according to him) they do that for any veteran they cannot treat in a professional or timely way.
Don't know if that will actually answer to my personal issues.
HankD
Either the government gets out of the health care business (except for necessary regulations) or go down the social health care path full steam ahead.
I would not have objected to a renovation of Obamacare (even calling it Obamacare II) leaving president Obama his legacy and possibly having stopped the conflict between the presidents.
To try to avoid the upheaval, I plan to start going to the VA hospitals and doctors.
Here in WA a veteran friend of mine who eventually died of brain cancer (agent orange) was sent to non VA facilities.
Apparently (according to him) they do that for any veteran they cannot treat in a professional or timely way.
Don't know if that will actually answer to my personal issues.
HankD
IMHO, insurance needs to go back to what it was many years ago, specifically to cover emergency/costly health issues, and not every little sniffle or wart that comes up.
"FREE" (??????) causes too many people to rush to the E room for a hangnail.
Also, some kind of limits on "MALPRACTICE" suits needs to be implemented to keep frivolous suits from being brought; that is if Uncle Sam insists on maintaining control, which is most likely.
The gov't has no business, however, meddling in something that should be handled at the state level, as far more efficient control can be applied as opposed toDC mandating whatever.
"FREE" (??????) causes too many people to rush to the E room for a hangnail.
Also, some kind of limits on "MALPRACTICE" suits needs to be implemented to keep frivolous suits from being brought; that is if Uncle Sam insists on maintaining control, which is most likely.
The gov't has no business, however, meddling in something that should be handled at the state level, as far more efficient control can be applied as opposed toDC mandating whatever.
Just read the actual bill, the section pertaining to "continuous coverage". It appears that the penalty for dropping insurance and then getting back on it is a 30% surcharge in your monthly premiums paid to the new insurance company, for the period of one year. So if you were paying $300 a month of health insurance, and drop it, then get back on insurance your new monthly rates would be whatever your new insurance company charges plus $90 extra per month in penalties.
Yep, we need to stop abusing the health care industry and insurance. People need to learn to ride it our when they get the flu, or even just the sniffles. Good grief I have never once gone to the doctor for being sick with the flu or some stomach bug. Everything does not require a doctors visit. All of these unnecessary trips to the doctor run up healthcare costs. We have far to many cupcakes. learn to tuff it out.
I keep thinking this as well, then remember how government screws up almost everything. I wonder if enough safeguards and oversight could be implemented to make a single payer system work. At least there would always be the option of electing people that would make the changes the citizens demanded. Can't elect the board of directors of insurance companies!
Also, just about any payroll tax less than 8% to pay for single payer would save my family thousands of dollars in health care premiums per year. With the proposals I've seen for single payer calling for a 3% payroll tax on individuals and 5% on businesses, that would be an economic boon for us.
Agree with you for the most part. Almost all policies except the Cadillac plans have co-payments for office visits, to help deter frivolous doctor's visits. Our copayment is $45. That seems about right to me--keeps me from going to the doctor for trivial stuff, but isn't so burdensome that you "self-ration" your own health care.
I think we agree, for the most part.
Remember I'm a former JFK Democrat.
IMO since we have Social security as a necessary evil which FICA funded, Social medicine IMO is just an extension of that necessary evil.
The biggest problem is keeping both the left and right political hands OUT OF THE SOCIAL TILL!!
HankD
BTW, reading the actual bill (it's 'only' 123 pages long) it's crystal clear this is not a "repeal and replace", this is an amendment job.
Most of the bill is verbiage like, "in subsection 2701(b) and (c) strike 2025 and insert 2019'" or "in clause (ii)(XX) strike subclauses (III) through (V)".
Most of the bill is verbiage like, "in subsection 2701(b) and (c) strike 2025 and insert 2019'" or "in clause (ii)(XX) strike subclauses (III) through (V)".
Again agree with you. I would also submit that the Social Security program is probably one of the better administered government entitlement programs.
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