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Why did ACA architects think...
Posted on 6/25/17 at 7:31 pm
Posted on 6/25/17 at 7:31 pm
...forcing for-profit corporations to accept a high-risk population AND letting folks enroll post-diagnosis was going to help the majority of Americans' healthcare costs?
The ACA only makes sense when you see it as a wealth-redistributing Ponzi scheme that is meant to force the already-insured masses to pick up the tab for a relative few. In this context, it's a pretty solid plan by Obama & pals.
The ACA only makes sense when you see it as a wealth-redistributing Ponzi scheme that is meant to force the already-insured masses to pick up the tab for a relative few. In this context, it's a pretty solid plan by Obama & pals.
10
Posted on 6/25/17 at 7:32 pm to Eli Goldfinger
They didn't think.
Hence the problem
Hence the problem
Posted on 6/25/17 at 7:32 pm to Eli Goldfinger
They knew it would cause costs to go higher and for doctors to drop out. A first year economics student knew it would cause everybody's prices to rise. They knew, and they lied and lied and lied.
Posted on 6/25/17 at 7:37 pm to Eli Goldfinger
Insurers aren't forced. They participate because they want to collect premiums and subsidies.
Posted on 6/25/17 at 7:37 pm to Eli Goldfinger
I haven't read up on it, does the Repub plan do anything to address this? The ACA was anything but affordable, what changes in the new R plan?
Posted on 6/25/17 at 7:39 pm to DavidTheGnome
quote:
what changes in the new R plan?
23 million dead Americans according to democrats.
Posted on 6/25/17 at 7:43 pm to Eli Goldfinger
Anyone with even the slightest grasp of economics / finances / insurance knew the rates would go up. They don't care. They are socialist. They believe in income redistribution to all. They don't care if your rates went up 5k a year. They just want more folks on the dole and more votes.
Posted on 6/25/17 at 7:45 pm to Eli Goldfinger
quote:
23 million dead Americans according to democrats.
That's nice, but what saves me money according to republicans since it's their plan?
Posted on 6/25/17 at 7:48 pm to Eli Goldfinger
Thinking was not part of the equation.
Feel, it feels good.
The more we substitute "I feel" for "I think" the further down the rabbit hole we go.
Feel, it feels good.
The more we substitute "I feel" for "I think" the further down the rabbit hole we go.
Posted on 6/25/17 at 7:50 pm to DavidTheGnome
AHCA/BCA features higher deductibles, less generous subsidies, and fewer disincentives for choosing not to buy health insurance meaning high risk of developing insured populations on exchanges that will have more sick people relative to healthy people, further driving up costs and more healthy people away, fewer insurers, (aka the dreaded death spiral).
Posted on 6/25/17 at 7:55 pm to Eli Goldfinger
PECs are overrated as a cost driver. "Essential" health benefits are the real killer.
I've linked this before (to debunk the progtard talking point about the ACA not driving up premiums). Guaranteed issue and community rating kicked in right away, and while premiums increased, and increased faster than the previous two years, they didn't skyrocket.
LINK
2014 was when the real pain hit, and that was when they loaded up on frivolous benefit requirements, which made the older, vastly superior plans illegal.
Also, I joined a sharing ministry when that happened. My premium (as a 41 year old who hasn't been to the doctor this century) is the same as a 64 year old with multiple health issues. Same rate across the board, but it's still very affordable. PECs are covered via charitable donations that work out to only $20 or so per member each month, and a condition is no longer preexisting after three years.
So, why is a sharing ministry do much more affordable? You have to look at the differences:
- No tobacco users allowed. Helps, but it can't explain that much of a difference, especially since traditional insurance can add a surcharge for tobacco users to reflect the added risk
- Code of conduct. You have to be a practicing Christian and live a Christian lifestyle. People who bring unnecessary risk with their behavior drive up costs for insurers. But another ministry (Liberty) doesn't have those requirements and us still only slightly more expensive.
That leaves one other difference, "essential" health benefits. EHBs are the problem. They're the biggest difference between sharing ministries and insurance and the biggest difference between 2013 and 2014 plans.
I've linked this before (to debunk the progtard talking point about the ACA not driving up premiums). Guaranteed issue and community rating kicked in right away, and while premiums increased, and increased faster than the previous two years, they didn't skyrocket.
LINK
2014 was when the real pain hit, and that was when they loaded up on frivolous benefit requirements, which made the older, vastly superior plans illegal.
Also, I joined a sharing ministry when that happened. My premium (as a 41 year old who hasn't been to the doctor this century) is the same as a 64 year old with multiple health issues. Same rate across the board, but it's still very affordable. PECs are covered via charitable donations that work out to only $20 or so per member each month, and a condition is no longer preexisting after three years.
So, why is a sharing ministry do much more affordable? You have to look at the differences:
- No tobacco users allowed. Helps, but it can't explain that much of a difference, especially since traditional insurance can add a surcharge for tobacco users to reflect the added risk
- Code of conduct. You have to be a practicing Christian and live a Christian lifestyle. People who bring unnecessary risk with their behavior drive up costs for insurers. But another ministry (Liberty) doesn't have those requirements and us still only slightly more expensive.
That leaves one other difference, "essential" health benefits. EHBs are the problem. They're the biggest difference between sharing ministries and insurance and the biggest difference between 2013 and 2014 plans.
Posted on 6/25/17 at 8:11 pm to DavidTheGnome
quote:Nothing. The republicans are too chicken shite to cut people off the rolls so removing the mandate will allow younger healthy folks to opt out thus continuing the increase in rates.
but what saves me money according to republicans since it's their plan?
Posted on 6/25/17 at 8:32 pm to Eli Goldfinger
It was written to fail.
Posted on 6/25/17 at 8:42 pm to Eli Goldfinger
quote:
it as a wealth-redistributing Ponzi scheme
This is the basic design - they just had to lie to enough people to get it passed as "Affordable" Care.
It was designed to fail - and to bring down anyone who tried to fix it. The goal was - and is - single payer = another big tax on producers to transfer their wealth to the idle.
Posted on 6/25/17 at 9:06 pm to DavidTheGnome
The only way is to have some rules around preexisting conditions.
Posted on 6/25/17 at 9:20 pm to Eli Goldfinger
quote:
The only way is to have some rules around preexisting conditions.
Grandfather in all conditions as of 1/31/18 (end of the next open enrollment period) so they aren't preexisting. One time amnesty/reset button so we can get out of this mess.
In the future, if a condition presents during a lapse in coverage, the carrier gets to drop part of the bill to you. You pick up 3% of the insurer's responsibility for each month in the excess of 3 months in the past 36. That keeps people from being permabanned from insurance just for getting sick, while also protecting insurers from adverse selection. Then you can get rid of the individual mandate.
Also, restore affordability. Allow individuals to opt out of essential health benefits if they buy an individual policy outside the exchange. (If you go to the exchange, you take government terms. Beggars can't be choosers.) And repeal the discriminatory marriage penalties.
Posted on 6/25/17 at 11:08 pm to Eli Goldfinger
quote:
Why did ACA architects think forcing for-profit corporations to accept a high-risk population AND letting folks enroll post-diagnosis was going to help the majority of Americans' healthcare costs?
Because they either don't understand dick about economics or just care less about it than political power.
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