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Started By
Message
re: Affordable Care Act. HAHAHAHAHA!!!
Posted on 1/1/26 at 8:08 pm to VOR
Posted on 1/1/26 at 8:08 pm to VOR
no let me help you understand something jethrine, first of all answer the goddamned question, how old were in 95 boy? my first kid was born in 1994, maternity care was not a part of group insurance, so when we got pregnant ( a joy you'll never experience since you're a homosexual) we had to add the maternity rider to our coverage it was 6k. in 1994 the average cost of a standard delivery was 6k. the reason you took out coverage was to insure against the possibility that there would be complications in the delivery. our group heath insurance premium in 1994 was 6k.
when my daughter was born in 1999 maternity care was included and our heath insurance premium was 12k.
all obummbles care was standardize coverage in the individual market, the way clinton did in 1995. so now everybody pays to have a baby every year, even my 60 year old wife.
when my daughter was born in 1999 maternity care was included and our heath insurance premium was 12k.
all obummbles care was standardize coverage in the individual market, the way clinton did in 1995. so now everybody pays to have a baby every year, even my 60 year old wife.
0
Posted on 1/1/26 at 8:16 pm to Warboo
quote:Subsidies always increase the cost by the amount of hte subsidy.
Government intervention into anything causes inflates everything. Employer furnished has/had zero to do with it.
Cost of something = $10, because that's what people can afford
Governent/Insurances subsidized $8 expecting the consuer to pay $2.
New price = $18. people still paying what they can afford. But now dependent on government.
Qui bono?
Posted on 1/1/26 at 8:19 pm to Taxing Authority
quote:
Subsidies always increase the cost by the amount of hte subsidy. Cost of something = $10, because that's what people can afford Governent/Insurances subsidized $8 expecting the consuer to pay $2. New price = $18. people still paying what they can afford. But now dependent on government. Qui bono?
Exactly.
Posted on 1/1/26 at 8:27 pm to High C
quote:
My ex-wife (lol) told me that she can’t find any ACA coverage for just herself less than $800/month.
Doesn't the $800/month plan come with the $9k deductible?
Posted on 1/1/26 at 8:32 pm to VOR
quote:
. I am suggesting that employer furnished health insurance went high as giraffe pussy, inflating every year since Obama forced that shite on America.
Rumor has it that John Roberts got $1 billion deposited in the Vatican bank to be the deciding vote that fooked us.
Posted on 1/1/26 at 8:33 pm to Geekboy
Single person policies were $450 in NorCal and $250 in SoCal six year ago (my daughter turned 26). What has happened in the last six years that made prices go crazy? Are we all paying for the billions of free Covid vaccines?
Posted on 1/1/26 at 9:18 pm to High C
And that’s probably with a $10,000 dollar deductible
Posted on 1/1/26 at 9:25 pm to beaux duke
Typical lib
Posted on 1/1/26 at 11:35 pm to Geekboy
Looks like we are going back to a cash pay system.
This is the way to lower health care costs.
This is the way to lower health care costs.
Posted on 1/1/26 at 11:40 pm to Geekboy
frick John McCain to hell. Hope he is roasting.
Posted on 1/1/26 at 11:40 pm to Hangit
quote:
Rumor has it that John Roberts got $1 billion deposited in the Vatican bank to be the deciding vote that fooked us.
Posted on 1/1/26 at 11:44 pm to VOR
quote:
I am suggesting that employer furnished health insurance inflated premium costs over time…
Connect the dots for me.
Posted on 1/1/26 at 11:55 pm to Penrod
quote:
And you are 100% correct. I’m very surprised this isn’t the majority opinion on this board.
It's not my opinion because I can't see how it could be true.
Can you connect the dots for me?
Posted on 1/1/26 at 11:59 pm to VOR
quote:
Employer furnished health insurances helped cause inflated cost going back years…
Go on. I want to see this broken down. (So we can laugh.)
Posted on 1/2/26 at 12:03 am to Rip Torn
quote:
In some cases a dire emergency pops up that is avoidable but for 95% of the time it’s completely unnecessary
This is the literal purpose of insurance…
Posted on 1/2/26 at 12:08 am to Taxing Authority
quote:
Subsidies always increase the cost by the amount of hte subsidy.
Not in the case of employer sponsored health insurance.
The market pressure still exists. It's just felt by the employer, not the employee. The employer still has to negotiate the health insurance plan with the insurance company and the money still comes out of the company's pocket. There is still market pressure to negotiate as low a price as possible.
quote:
Cost of something = $10, because that's what people can afford
Governent/Insurances subsidized $8 expecting the consuer to pay $2.
New price = $18. people still paying what they can afford. But now dependent on government.
Yes, when it's the government subsidizing something. Not the employer. Again, the government is just spending your (taxpayer) money. It doesn't give a damn how much it's spending.
ACME Road Runner Traps & Supplies Inc. cares as much about health insurance prices as they do about any other expense. They are just as motivated to negotiate the best health insurance plan price as they are to negotiate the best price on raw materials or labor or supplies. I can't see how the employer negotiating the price and attempting to get it as low as possible would cause the price to rise over time.
I feel like I'm missing something here. This doesn't seem complicated, so I feel like y'all are thinking about something that I'm staring right in the face and not seeing.
This post was edited on 1/2/26 at 12:10 am
Posted on 1/2/26 at 1:48 am to Lawyered
quote:
This year.. with zero income . Cheapest plan was $550 with an $8500 deductible
Zero income...for 12 months?
Medicaid doesn't exist where you live?
The ACA works best for those who make a little but to much for Medicaid.. You must have some taxable income coming in.
Posted on 1/2/26 at 8:07 am to wackatimesthree
quote:
Can you connect the dots for me?
Sure. Many employees are consuming more medical care than they would pay for if they had no insurance.
When politicians decided they wanted more home ownership they gave tax deductions for mortgages and home prices went up. Well, tax deductions for medical insurance means more medical insurance and higher premiums.
It’s axiomatic that if you want less of something you tax it, and if you want more you subsidize it.
Posted on 1/2/26 at 8:36 am to Penrod
quote:
Many employees are consuming more medical care than they would pay for if they had no insurance.
Thanks, but that's not a function of employer sponsored health insurance.
That's just a function of health insurance.
It has nothing to do with the employer sponsoring it.
Yes, when one party receives a service, one party provides it, and a 3rd party pays for it—which is the case with health insurance—prices will be artificially inflated and so will consumption.
But that's true no matter who provides the insurance. Government, employer, or the individual themselves.
The claim was—specifically—that EMPLOYER SPONSORED health insurance artificially caused prices to rise. I don't see any reason to believe that. Still.
EDIT: Because people will not differentiate between health INSURANCE and health CARE, I also never know which one any given person may be talking about.
Health insurance causes the artificial inflation of both (in the case of health care, when someone else is paying for it you charge as much as they will pay, not as much as the market en toto will bear, and in the case of health insurance, the more services paid out for, the higher the premiums go), but specifically in the case of employer sponsored health insurance, there is a market force still in place resisting the rise in health insurance prices that doesn't exist when the government is providing the insurance and only exists as a fragmented force when individuals are providing it for themselves. Companies represent collective bargaining, if you will, when it comes to negotiating prices with insurance companies.
So if we're mainly talking about health insurance here, employer sponsored health insurance seems to be the most resistant to prices rising, at least with regard to health insurance.
This post was edited on 1/2/26 at 8:45 am
Posted on 1/2/26 at 8:39 am to AndyJ
It was an old Republican idea first thought up in the late 80s by people over at the Heritage Foundation.
Obama co- opted it.
Obama co- opted it.
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