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Message
The largest perception problem with the ACA is that it is "something separate"
Posted on 1/13/17 at 10:55 am
Posted on 1/13/17 at 10:55 am
This discussion of the ACA centered upon "keep it" or "throw it away" involves a distorted perception that it is a "thing" which is independent, like a playground ball. It isn't. It is nothing other than the regulatory requirements of what must go into a health insurance policy.
No one has a conceptual difficulty with a state law requirement that everyone must have automobile liability insurance and that an automobile liability policy must have a minimum amount of coverage, like $15,000. Those requirements are accepted as nothing other than minimum requirements. The ACA is of the same species.
What the ACA does is specify several mandatory elements of health insurance policies, no preexisting conditions, coverage on parents' policy, minimum service coverage. Since these elements increase the cost of the policy, the ACA includes a requirement that everyone who is able purchase a policy, thereby increasing the risk pool to offset the costs. Other means of reducing the financial impact to insurers includes subsidies for policy cost and expansion of Medicaid to remove low income, high risk folks from the private market.
You can't "repeal" the ACA without redefining the minimum requirements for inclusion in a health insurance policy. If you eliminate all minimum requirements, than what is available and the cost will be in the sole discretion of the insurance companies, who have a mandate to return the most benefit to their shareholders. That will obviously mean reduced coverage elements at higher cost, and restrictions on availability of coverage in any manner the insurance companies want, be it preexisting condition exclusion, risk exclusion, lifestyle exclusion, etc.
So "repeal" means no standards, which will mean significant retraction in the markets.
Just keep in mind exactly what the ACA is and the fact that it isn't a "thing" which can be kept or thrown out.
No one has a conceptual difficulty with a state law requirement that everyone must have automobile liability insurance and that an automobile liability policy must have a minimum amount of coverage, like $15,000. Those requirements are accepted as nothing other than minimum requirements. The ACA is of the same species.
What the ACA does is specify several mandatory elements of health insurance policies, no preexisting conditions, coverage on parents' policy, minimum service coverage. Since these elements increase the cost of the policy, the ACA includes a requirement that everyone who is able purchase a policy, thereby increasing the risk pool to offset the costs. Other means of reducing the financial impact to insurers includes subsidies for policy cost and expansion of Medicaid to remove low income, high risk folks from the private market.
You can't "repeal" the ACA without redefining the minimum requirements for inclusion in a health insurance policy. If you eliminate all minimum requirements, than what is available and the cost will be in the sole discretion of the insurance companies, who have a mandate to return the most benefit to their shareholders. That will obviously mean reduced coverage elements at higher cost, and restrictions on availability of coverage in any manner the insurance companies want, be it preexisting condition exclusion, risk exclusion, lifestyle exclusion, etc.
So "repeal" means no standards, which will mean significant retraction in the markets.
Just keep in mind exactly what the ACA is and the fact that it isn't a "thing" which can be kept or thrown out.
Posted on 1/13/17 at 10:57 am to TBoy
quote:
If you eliminate all minimum requirements, than what is available and the cost will be in the sole discretion of the insurance companies
Are you under the impression that the ACA was the only mandate for insurance requirements ever passed or still in place?
Posted on 1/13/17 at 10:58 am to TBoy
quote:
the sole discretion of the insurance companies, who have a mandate to return the most benefit to their shareholders.
Hmmm. I'll have to tell my company that we have to find some share holders as we are not for profit.
Posted on 1/13/17 at 10:58 am to TBoy
quote:
If you eliminate all minimum requirements, than what is available and the cost will be in the sole discretion of the insurance companies, who have a mandate to return the most benefit to their shareholders.
how does the ACA change this mandate?
Posted on 1/13/17 at 11:18 am to SlowFlowPro
quote:
how does the ACA change this mandate?
It doesn't. But what the ACA does do is specify the minimum requirements for the issuance of a health insurance policy. That means that the profit to the insurance company cannot come from making preexisting conditions uninsured, etc.
Posted on 1/13/17 at 11:22 am to roadGator
quote:
I'll have to tell my company that we have to find some share holders as we are not for profit.
I don't care who your insurer is, they do not function as a benevolent society. See this article discussing "non-profit" insurers with massive surpluses and huge executive bonuses.
This post was edited on 1/13/17 at 11:31 am
Posted on 1/13/17 at 11:35 am to TBoy
quote:
No one has a conceptual difficulty with a state law requirement that everyone must have automobile liability insurance and that an automobile liability policy must have a minimum amount of coverage,
You are correct!
1) Repeal the un-ACA.
2) Allow states to once again regulate all types of insurance like automotive, home owners, life, AND health!
3) Create national options that regulate coverage from insurance companies that all American citizens and businesses can purchase regardless of state laws.
Freedom! Works every time it's tried.
Posted on 1/13/17 at 11:45 am to TBoy
quote:
What the ACA does is specify several mandatory elements of health insurance policies
You seem to have a pretty good understanding of the minimum qualifying benefits. Do you also understand that it is the primary mechanism for increased premiums and deductibles? Why does it make sense that every insurance holder be covered for maternity, substance abuse, mental health, etc...?
quote:
If you eliminate all minimum requirements, than what is available and the cost will be in the sole discretion of the insurance companies,
That's ridiculous. Before the ACA i told the insurer what I wanted my policy to contain, and they priced it. I choose to accept it or not. And even if it was "their sole discretion", would a cancer/hospitalization specific policy still not be much cheaper than one covering all the ACA's minimum qualifying benefits? And thus more benefit for the consumer?
quote:
So "repeal" means no standards, which will mean significant retraction in the markets.
Good
Posted on 1/13/17 at 11:47 am to Gaspergou202
Well, keep in mind that if we let individual states take over the health insurance policy regulation, then there will be no national uniform policies, precluding one of the primary alternative options, which is to allow cross-state competition to increase risk pools and reduce overall costs. Letting each state define the health policy requirements would actually result in smaller risk pools which would increase cost.
So no, even among Republican proposals, that is the wrong direction.
So no, even among Republican proposals, that is the wrong direction.
Posted on 1/13/17 at 11:49 am to TBoy
quote:
Well, keep in mind that if we let individual states take over the health insurance policy regulation, then there will be no national uniform policies, precluding one of the primary alternative options, which is to allow cross-state competition to increase risk pools and reduce overall costs.
Here's how we know you don't know what the frick you're talking about.
This post was edited on 1/13/17 at 11:50 am
Posted on 1/13/17 at 11:53 am to MSMHater
quote:
So "repeal" means no standards, which will mean significant retraction in the markets.
Good
That's a valid personal opinion. If Republicans and the American people are fine with heath insurance being something that only people with sufficient financial means can get, then ok, that is your preference. What this will mean for millions of people, however, is that they will not have coverage for wellness services or hospitalization or cancer, etc., and we will have massive numbers of non-revenue patients going back to emergency rooms for basic care. That was one of the negative public health behaviors that the national policy was trying to change.
But if that is what you are willing to accept, that is your opinion, and it is reality based.
Posted on 1/13/17 at 11:54 am to the808bass
quote:
Here's how we know you don't know what the frick you're talking about.
Ok, smart boy. This health care attorney is listening.
Posted on 1/13/17 at 11:55 am to TBoy
Oh please. 8 years ago people had insurance. All down. This is a good narrative though. Once repealed watch the nightly news. Story after story of republicans murdering people because they took away "access" to health care.
(Of course everyone will still have access to health care...but this will be the spin)
(Of course everyone will still have access to health care...but this will be the spin)
Posted on 1/13/17 at 11:56 am to TBoy
profit to the insurance company cannot come from making preexisting conditions uninsured, etc.
OK.
But even with the ACA, the profit must come from somewhere. If you won't allow risk-stratified policies, then the cost of the general policy will increase. That is why so many people are bitching about increases in premiums.
ACA helped some, and hurt others. It seems there were more hurt, or there would not be the outcry to get rid of it.
It seems that there is a preference among the populace for risk-stratified pricing.
OK.
But even with the ACA, the profit must come from somewhere. If you won't allow risk-stratified policies, then the cost of the general policy will increase. That is why so many people are bitching about increases in premiums.
ACA helped some, and hurt others. It seems there were more hurt, or there would not be the outcry to get rid of it.
It seems that there is a preference among the populace for risk-stratified pricing.
Posted on 1/13/17 at 12:00 pm to TBoy
What really pisses me off is the doctors gouging the cash patients. If you can't afford insurance, don't qualify for government assistance, but still wish to get medical treatment, you pay more than anyone else. You might have pay 30x the Medicare rate, which is absurd.
Posted on 1/13/17 at 12:02 pm to TBoy
quote:
surpluses
are required
quote:
massive surpluses
are indication that the non-profit is doing a great job
quote:
executive bonuses
are needed to hire the best person for the job
quote:
benevolent societies
Insurances are not societies at all.
Posted on 1/13/17 at 12:03 pm to TBoy
quote:
we will have massive numbers of non-revenue patients going back to emergency rooms for basic care.
Every post ACA study has indicated no decline in ER use. Now their pointless visits are just being paid for by taxpayers, at ER rates. So who is benefiting here on these non-emergent patients?
This post was edited on 1/13/17 at 12:05 pm
Posted on 1/13/17 at 12:04 pm to TBoy
quote:
This health care attorney is listening.
Chase ambulances?
Do contracts for RFPs?
What's your specialty?
I'm guessing in house for an STD/LTD insurer. How'd I do?
Posted on 1/13/17 at 12:06 pm to MSMHater
quote:
Every post ACA study has indicated no decline in ER use. Now their pointless visits are just being paid for by taxpayers, at ER rates. So who is benefiting here?
High utilization of the ER before the ACA wasn't done by the uninsured anyway. It was a stupid talking point.
Posted on 1/13/17 at 12:06 pm to yallallcrazy
quote:
But even with the ACA, the profit must come from somewhere. If you won't allow risk-stratified policies, then the cost of the general policy will increase. That is why so many people are bitching about increases in premiums.
That is absolutely correct. Insurance premiums were going up at a higher rate before the ACA, and the policies generally had smaller benefit coverage. Folks now blame the ACA for the general inflation in health costs and insurance, but the price inflation isn't a creation of the ACA.
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