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Started By
Message
Obamacare sucks-what are everyone’s thoughts on replacement?
Posted on 10/26/25 at 9:52 am
Posted on 10/26/25 at 9:52 am
Obamacare sucks. I hate It. I’ve always hated it. I always will hate it. If you are self employed, it’s a killer. Nobody wants to be uninsured- but it’s very difficult to afford 2 mortgage notes. frick Obama and his “care.”
What are everyone’s thoughts about a reciprocal risk retention group model for health insurance?
RRGs are a creature of liability insurance. The insurance is owned by policyholders who are in the same industry- the insurance is chartered in on state, and subject to the regulations of that state, but it can be sold across state lines.
I think a similar model could work well for health insurance, reduce bureaucracy while providing a larger risk pool, thereby reducing premiums. It could work, so long as Obamacare is repealed entirely.
I also think we should make better use of HSAs. Make them heritable, tax exempt and don’t make ppl start over every year. Make them interest bearing or somehow otherwise earning money. You can only withdraw the money for health insurance premiums and health care, and preventative stuff (like gym memberships) Much like a 401k.
Instead of reinsurance premiums being underwritten by the government, make them underwritten by taxes on pharmaceutical companies.
Thoughts?
What are everyone’s thoughts about a reciprocal risk retention group model for health insurance?
RRGs are a creature of liability insurance. The insurance is owned by policyholders who are in the same industry- the insurance is chartered in on state, and subject to the regulations of that state, but it can be sold across state lines.
I think a similar model could work well for health insurance, reduce bureaucracy while providing a larger risk pool, thereby reducing premiums. It could work, so long as Obamacare is repealed entirely.
I also think we should make better use of HSAs. Make them heritable, tax exempt and don’t make ppl start over every year. Make them interest bearing or somehow otherwise earning money. You can only withdraw the money for health insurance premiums and health care, and preventative stuff (like gym memberships) Much like a 401k.
Instead of reinsurance premiums being underwritten by the government, make them underwritten by taxes on pharmaceutical companies.
Thoughts?
31
Posted on 10/26/25 at 9:53 am to Wednesday
quote:
Obamacare sucks
I remember a certain extremely racist democrat poster who would always go out of her way to defend Obamacare.
Posted on 10/26/25 at 9:58 am to Wednesday
I think nothing works unless we reform Medicare and Medicaid.
We also need more doctors, and need to crack down on medical billing and fraud.
The major problem though is the spread of risk from pre existing conditions into the insurance base.
So I guess my answer is anything would fail if we don't fix the underlying problems.
We also need more doctors, and need to crack down on medical billing and fraud.
The major problem though is the spread of risk from pre existing conditions into the insurance base.
So I guess my answer is anything would fail if we don't fix the underlying problems.
Posted on 10/26/25 at 9:59 am to Wednesday
Insurance will always be expensive as long as every step of the way someone has to make high profits
Posted on 10/26/25 at 10:00 am to Wednesday
That nurse on that rock album for starters.
Posted on 10/26/25 at 10:01 am to Robcrzy
First Step would be a non profit system for insurance and then major healthcare reforms where things are capped
Posted on 10/26/25 at 10:07 am to Wednesday
Yomamacare?
Posted on 10/26/25 at 10:07 am to Narax
quote:
The major problem though is the spread of risk from pre existing conditions into the insurance base.
My thought is - increasing the risk pool to a nationwide population, would naturally decrease the risks imposed by preexisting conditions, and thus reduce the overall premiums. Plus - the term pre-existing condition is nebulous. What does that really mean? Is it a previous cancer diagnosis? juvenile diabetes? Fat people diabetes? A prior heart attack? I think if you add obesity to the list of appropriate things to justify an increased premium, you’re probably good.
Medicaid and Medicare on the other hand are not really the same as Obamacare- which was designed to address, and ultimately fricked up the health insurance of ppl who qualified for neither. Obviously they should be addressed - but addressed separately. The government does not need to be subsidizing private health insurance.
Posted on 10/26/25 at 10:12 am to Wednesday
quote:
also think we should make better use of HSAs. Make them heritable, tax exempt and don’t make ppl start over every year. Make them interest bearing or somehow otherwise earning money. You can only withdraw the money for health insurance premiums and health care, and preventative stuff (like gym memberships) Much like a 401k.
I like this for paying for basic care essentially out of pocket and then combine it with a hospital policy for catestrophic care.
Posted on 10/26/25 at 10:14 am to Wednesday
Ben Carson has some really good ideas on the topic. Basically every person would have a government-sponsored HSA that both the individual and the government contribute towards. Families can pool their HSA’s too. If you replace our current system of the government paying for all low-income and senior citizen health care, we would save a lot of money.
Also, people would be much more fiscally responsible with their health care choices if it was coming out of their HSA.
Ultimately it’s like switching from a defined benefits plan to a defined contribution plan.
Also, people would be much more fiscally responsible with their health care choices if it was coming out of their HSA.
Ultimately it’s like switching from a defined benefits plan to a defined contribution plan.
Posted on 10/26/25 at 10:14 am to Wednesday
Many years ago my grandmother complained to her son, my daddy, about the high cost of doc visits and meds, and wanted the governor fix it all. Daddy asked her why these things were more affordable when he was a kid in 40's-50's and she had no answer. He said "momma, that was before the government fixed everything."
Posted on 10/26/25 at 10:16 am to TrueTiger
quote:
I like this for paying for basic care essentially out of pocket and then combine it with a hospital policy for catestrophic care.
#metoo
Posted on 10/26/25 at 10:17 am to Wednesday
quote:The house, senate, and all fed workers get the same program that the rest of the people get.
Obamacare sucks-what are everyone’s thoughts on replacement?
No more making a different set of guidelines for people voted into office or assigned under a job for the fed gov.
They are the same as the rest of the people under the constitution. They shouldn't get to grift anything more than the people they serve.
Posted on 10/26/25 at 10:20 am to geauxEdO
quote:
people would be much more fiscally responsible with their health care choices if it was coming out of their HSA
This would inject market competition which should lower prices.
Posted on 10/26/25 at 10:24 am to Wednesday
quote:
I also think we should make better use of HSAs. Make them heritable, tax exempt and don’t make ppl start over every year. Make them interest bearing or somehow otherwise earning money. You can only withdraw the money for health insurance premiums and health care, and preventative stuff (like gym memberships) Much like a 401k.
I have an HSA that I started years ago and now use in retirement.
My HSA is 100% pretax money, and I only pay sales tax on prescriptions etc. So I’m not aware that it’s ever hit with any other tax.
I can invest the funds in the HSA, just like a 401k, as long as I’m over a threshold amount (which is currently $1000).
There’s a cap on contributions, just like a 401k. This year it’s $4350 (from memory - could be wrong).
I’m restricted to the items you listed, which are basically health care items.
One of the best moves I made while employed.
I don’t know what you mean by “don’t make ppl start over every year”. I never lose money from one calendar year to the next. It’s not like a use-it-or-lose-it FSA. You keep and accumulate the money in the HSA over the years.
This post was edited on 10/26/25 at 10:31 am
Posted on 10/26/25 at 10:24 am to Wednesday
Free Market
Take the guaranteed issue bullshite out, if the government wants to subsidize people who don’t qualify fine, put them on Medicaid.
But don’t force insurance companies to take people with guaranteed claims.
It’s like wrecking your car then buying insurance to fix it, that’s not how it works.
Take the guaranteed issue bullshite out, if the government wants to subsidize people who don’t qualify fine, put them on Medicaid.
But don’t force insurance companies to take people with guaranteed claims.
It’s like wrecking your car then buying insurance to fix it, that’s not how it works.
Posted on 10/26/25 at 10:25 am to Wednesday
It was never meant to work.
That’s the point.
It was the prequel to full on state run healthcare system.
That’s the point.
It was the prequel to full on state run healthcare system.
Posted on 10/26/25 at 10:26 am to Robcrzy
quote:
First Step would be a non profit system for insurance
not sure how to achieve this without government being in control though.
Posted on 10/26/25 at 10:27 am to Wednesday
Let’s just start from scratch.
Posted on 10/26/25 at 10:33 am to Wednesday
Couple points on HSA accounts.
1. They do accumulate and roll over year to year so younger folks can amass quite a nice amount of money in them over the years if they don’t have high medical expenses
2. Most plans do have interest payments (albeit small) but also allow investments of funds over a prescribed minimum.
3. They are tax free on contributions and withdrawals already
I would like to see the max contribution increased, especially with the high deductibles and out of pocket costs in many of today’s insurance plans. Also, take a look at the “high deductible” limit to be eligible and whether that should be eliminated so anyone could have an HSA plan. And Medicare recipients are currently ineligible for these plans - maybe look at that also to help pay for Medicare supplement plans which are pretty necessary in most cases
These are a very good vehicle to save up money for later in life medical expenses and the only cost to the government is the loss of tax revenues on contributions and earnings
1. They do accumulate and roll over year to year so younger folks can amass quite a nice amount of money in them over the years if they don’t have high medical expenses
2. Most plans do have interest payments (albeit small) but also allow investments of funds over a prescribed minimum.
3. They are tax free on contributions and withdrawals already
I would like to see the max contribution increased, especially with the high deductibles and out of pocket costs in many of today’s insurance plans. Also, take a look at the “high deductible” limit to be eligible and whether that should be eliminated so anyone could have an HSA plan. And Medicare recipients are currently ineligible for these plans - maybe look at that also to help pay for Medicare supplement plans which are pretty necessary in most cases
These are a very good vehicle to save up money for later in life medical expenses and the only cost to the government is the loss of tax revenues on contributions and earnings
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