Page 1
Page 1
Started By
Message

To lower Health costs, Legalize Catastrophic Health Insurance Plans for All

Posted on 11/9/25 at 1:55 pm
Posted by Reubaltaich
A nation under duress
Member since Jun 2006
5323 posts
Posted on 11/9/25 at 1:55 pm
OK, the headline should have been worded differently.

It should have been something along the lines of:

To lower Health insurance costs, Legalize Catastrophic Health Insurance Plans for All

Anywho, very good idea from the OP.

quote:

The government shutdown has focused debate on the vast sum ($136 billion in 2025, as projected by the Congressional Budget Office) that the federal government spends to annually subsidize continually skyrocketing Obamacare health insurance premiums. The Wall Street Journal reports that regardless of how that fiscal tug-of- war turns out, health insurance premiums paid by Americans are expected to rise another 8% or 9% next year.



quote:

One reason health care costs are rising at two to three times the cost of everything else is that the entire insurance market is dysfunctional. Most Americans pay high monthly premiums (or the government pays for them) for coverage they often don't use.


quote:

The Democrats and health insurers ridicule these plans as "junk health insurance." Wrong. Forbes notes that these plans provide comprehensive coverage for major medical expenses and have the same "10 essential health benefits" as other Obamacare plans, including emergency services, hospitalization, pregnancy services, prescription drugs, and mental health and chronic disease treatments.

So why don't most people choose catastrophic health plans? Because an obamascam provision makes it illegal!

This obamascam provision, 42 U.S. Code 18022(e)(2), only allows those under 30 or who qualify under a "hardship" exemption to enroll. Liberals in Congress want to force people to buy plans they can't afford because they generally support a single-payer government-run system where all health services are "free."


Congress should immediately repeal this provision of Obamacare. This simple change in the law would allow all of us to choose the kind of health insurance that so many of us want and need. And wider use of these plans would cut government spending and increase economic growth.



LINK

Number one. As it stands, we don;t have the votes to overturn obamascam, Too many greedy politicans are getting OT wealthy from it.

Number two: obama-scam was INTENTIONALLY designed to fail. Why? To pave the way for commie-care, ie full government control of the massive health care industry.

Once we have a COMPLETE dependent American populace, the radical communists can do anything they desire. Power derives from dependence.

This is why the sewer rats hate and depsise DJT. He is working to take away the evil, sinister plans of the sewer rats in power.
Posted by Hayekian serf
GA
Member since Dec 2020
3953 posts
Posted on 11/9/25 at 2:13 pm to
Will never happen- but get government out of all healthcare

I want to see a “gallbladders are us” in every strip mall where market forces allow
Posted by HailHailtoMichigan!
Mission Viejo, CA
Member since Mar 2012
72941 posts
Posted on 11/9/25 at 2:14 pm to
Also, end the bs “community rating” regulations that force healthy adults to pay higher premiums
Posted by HagaDaga
Member since Oct 2020
5378 posts
Posted on 11/9/25 at 3:18 pm to
quote:

To lower Health costs, Legalize Catastrophic Health Insurance Plans for All

According to my parents, uncles, etc the company plan I have now is worse than "Catastrophic Insurance" of 20 yrs ago. And mine is supposed to be "pretty good" in todays market.

So if that's the case, what in the living hell is the "free" version going to look like??
Posted by frogtown
Member since Aug 2017
5573 posts
Posted on 11/10/25 at 7:24 am to
The people who have been absolutely hammered because of the ACA are those who have to buy on the exchange and who don't qualify for a subsidy.

I agree true catastrophic health plans need to brought back into the market place. These plans need to be free from the all ACA regulations and mandates.
Posted by wackatimesthree
Member since Oct 2019
10135 posts
Posted on 11/10/25 at 7:29 am to
quote:

The people who have been absolutely hammered because of the ACA are those who have to buy on the exchange and who don't qualify for a subsidy.


And that was always the inherent flaw (well, one among many). There was always going to be a line just above the threshold for qualifying for subsidies that was going to get bludgeoned. Because the ACA artificially inflates the cost of insurance, then taxes people to pay the premiums for those below the threshold.

So if you're at "threshold + 1," you have to pay it all yourself, but you only have access to vastly artificially inflated plans.

quote:

I agree true catastrophic health plans need to brought back into the market place. These plans need to be free from the all ACA regulations and mandates.


Agreed. That would be a very simple act that Republicans could take that would move the needle.
Posted by EglMD27
Member since Sep 2022
6 posts
Posted on 11/10/25 at 8:57 am to
This article is on the money. Under ACA rules, the only companies that can offer major medical plans are Healthshare plans. For generally healthy people who just need catastrophic coverage they are a great option. Either pay cash for routine care or join a Direct Primary Care practice and your monthly spend is less than $300.
Posted by AubieinNC2009
Mountain NC
Member since Dec 2018
7023 posts
Posted on 11/10/25 at 9:02 am to
or stop requiring all plans to cover things that is not needed. Stop subsidizing illegal healthcare

I don't need a plan that covers pregnancy as I am a guy
first pageprev pagePage 1 of 1Next pagelast page
refresh

Back to top
logoFollow TigerDroppings for LSU Football News
Follow us on X, Facebook and Instagram to get the latest updates on LSU Football and Recruiting.

FacebookXInstagram