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Message
Does anyone dispute that ACA is in a death spiral?
Posted on 3/7/17 at 11:02 am
Posted on 3/7/17 at 11:02 am
That seems like the first point to be discussed when considering a new plan:
Is the current plan failing?
If so, why?
What does the new plan do to fix that?
Is the current plan failing?
If so, why?
What does the new plan do to fix that?
22
Posted on 3/7/17 at 11:03 am to BigJim
even hardcore dems knows its failing its just how to replace it surgically so that millions dont automatically lose coverage is hard to figure out.
Posted on 3/7/17 at 11:17 am to BigJim
I haven't seen any evidence it is failing. Enrollment has increased each year on the marketplace, most of the states that expanded Medicaid are seeing positive results from it, the rate of premium increases across the board has slowed.
Sure, there are still some problems with it, but I've seen little to support it being in a death spiral.
Sure, there are still some problems with it, but I've seen little to support it being in a death spiral.
Posted on 3/7/17 at 11:19 am to The Spleen
quote:
the rate of premium increases across the board has slowed
What percentage of that is due to the rapid increase in deductible amounts?
Cost shifting my man. The bucket has to be dumped out. I don't care when you fill up the bucket but it must be dumped out to cover claims and admin costs.
There's also plenty of evidence that's failing. Companies getting out of the market. Others raising rates to offset previous losses and to keep from losing more. Smaller networks/less choice for the consumer.
This post was edited on 3/7/17 at 11:21 am
Posted on 3/7/17 at 11:20 am to BigJim
I'm pretty sure Nancy Pelosi would disagree with you.
Posted on 3/7/17 at 11:20 am to BigJim
It's failing because it was designed to fail. Trump win threw a wrench into the plan.
Posted on 3/7/17 at 11:20 am to The Spleen
quote:
I haven't seen any evidence it is failing. Enrollment has increased each year on the marketplace, most of the states that expanded Medicaid are seeing positive results from it, the rate of premium increases across the board has slowed.
Sure, there are still some problems with it, but I've seen little to support it being in a death spiral.
The death spiral refers to the massive uncovered losses causing insurers to withdraw from the market exchanges.
Posted on 3/7/17 at 11:20 am to The Spleen
quote:how many more major carriers have to abandon it before you would say it's in a death spiral?
Sure, there are still some problems with it, but I've seen little to support it being in a death spiral.
Posted on 3/7/17 at 11:20 am to The Spleen
quote:
I haven't seen any evidence it is failing.
That's because you aren't looking for it.
Posted on 3/7/17 at 11:25 am to BigJim
quote:
Does anyone dispute that ACA is in a death spiral?
I don't know about death spiral but it has some really big issues. And the EO earlier this year will make it worse.
quote:
Is the current plan failing?
There are underlying problems in the healthcare market. There are major disincentives to keep costs low.
quote:
What does the new plan do to fix that?
Absolutely fricking nothing. Its obamacare lite, keeps all the problems (including the preexisting condition issue).
Posted on 3/7/17 at 11:28 am to Hawkeye95
quote:it's not really. I don't know that it's any better, but it's not the same thing
Absolutely fricking nothing. Its obamacare lite, keeps all the problems (including the preexisting condition issue).
Posted on 3/7/17 at 11:30 am to roadGator
quote:
What percentage of that is due to the rapid increase in deductible amounts?
I don't know, and increased deductibles is absolutely one of the problems that need to be addressed. Dems were idiots for ignoring that aspect. Having health insurance you're afraid to use because the deductible is so high is useless.
Posted on 3/7/17 at 11:31 am to BigJim
I don't dispute it. I'll be the first to admit I am incredibly unknowledgeable about the nuances of insurance coverage. I will say this board is the only place I have consistently read about the certainty of its demise.
I have zero issue paying more for health insurance if it means someone who is not as fortunate will get coverage.
I have zero issue paying more for health insurance if it means someone who is not as fortunate will get coverage.
Posted on 3/7/17 at 11:32 am to The Spleen
It's what folks like BamaATL always ignore when touting ACA.
You are on the right track though.
Perhaps inside the 10k plus page ACA there are parts that deal with the actual biggest part of health care costs but I haven't seen it.
You are on the right track though.
Perhaps inside the 10k plus page ACA there are parts that deal with the actual biggest part of health care costs but I haven't seen it.
Posted on 3/7/17 at 11:32 am to narddogg81
quote:
how many more major carriers have to abandon it before you would say it's in a death spiral?
In my area, we're down to Ambetter (which just about no one takes) and some third-rate BCBS plans that also have a smaller in-network list than their other offerings. And of course, only one of my doctors takes either.
Posted on 3/7/17 at 11:34 am to The Spleen
quote:
Having health insurance you're afraid to use because the deductible is so high is useless.
This x 1000
People need health insurance they can use and instead they're provided with insurance that only kicks in when a catastrophe occurs in their life.
This post was edited on 3/7/17 at 11:35 am
Posted on 3/7/17 at 11:35 am to 9th life
quote:
I have zero issue paying more for health insurance if it means someone who is not as fortunate will get coverage.
Do you mean "less fortunate" as in makes less money?
Or "less fortunate" as in a BMI of 44, and diagnoses of hypertension and diabetes?
B/c the latter is who you're paying for far more than the former. I'm fine helping "needy" people. Don't feel the same about subsidizing bad choices.
Posted on 3/7/17 at 11:37 am to 9th life
quote:
I have zero issue paying more for health insurance if it means someone who is not as fortunate will get coverage.
You don't need to wait for fed gov to take your money and redistribute it. Take some initiative.
Posted on 3/7/17 at 11:37 am to narddogg81
quote:
it's not really. I don't know that it's any better, but it's not the same thing
What are the key differences you see between the two bills?
I see
* 30% surcharge for interrupted coverage vs. individual mandate - this will run into the same issue as the mandate, it will be cheaper to sign up after you get sick
* refundable tax credits vs. subsidies - They are basically the same thing.
* Medicaid - it does change the way medicaid is distributed and should shrink enrollees, but won't address spiraling medicaid costs.
Posted on 3/7/17 at 11:39 am to Erin Go Bragh
quote:
People need health insurance they can use and instead they're provided with insurance that only kicks in when a catastrophe occurs in their life.
the end solution is going to be single payer. Its the only solution that will provide useful healthcare to all.
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