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re: Health Insurance Costs too much because the whole design is BullShittt

Posted on 11/9/25 at 6:52 am to
Posted by Reagan80
Earth
Member since Feb 2023
1910 posts
Posted on 11/9/25 at 6:52 am to
HSA has been around for years. I had one for several years and as time went on, the premiums went up and you’re out of pocket is substantial. It is an expensive option.
Posted by Diamondawg
Mississippi
Member since Oct 2006
37168 posts
Posted on 11/9/25 at 7:02 am to
quote:

Health Insurance. When I go to a doctor, I always pay a copay even if it just for a simple procedure. The insurance pays for everything else. If everyone was paying out of pocket except for major issues the prices of procedures and payments and insurance costs would go down. But the big pharmaceutical and medical insurance companies have rigged it in their favor, it will never be fixed.
Lots of younger, healthy folks had catastrophic policies only back in the day. Obamacare eliminated those type policies.
Posted by NC_Tigah
Make Orwell Fiction Again
Member since Sep 2003
135739 posts
Posted on 11/9/25 at 7:14 am to
quote:

Do I call the Car Insurance Company when my windshield wiper needs replacing

Home Insurance. Do I call my Homeowner Insurance Company when my sink is clogged

Health Insurance. When I go to a doctor ...
It's actually worse than that. Medicare fixes reimbursement. Meaning the worst heart surgeon in the country gets paid identically (or sometimes more) versus the best Heart Surgeon for the same procedure. Private insurance then uses Medicare rates as their calculus (e.g., negotiated reimbursement of 130% of the Medicare rate).

It's the equivalent of walking onto a GM lot with a check for an SUV, and not knowing if you'll receive a Chevy, GMC, Cadillac, or Hummer in return. Hospitals have little motivation to offer bang for the buck, when the size of the bang isn't differentially rewarded.
Posted by GatorOnAnIsland
Florida
Member since Jan 2019
9452 posts
Posted on 11/9/25 at 7:29 am to

All of those Healthcare companies have skyscrapers to take care of and that’s not cheap.


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Posted by GeorgePaton
God's Country
Member since May 2017
5106 posts
Posted on 11/9/25 at 7:38 am to
Elections have consequences. Stolen elections have catastrophic consequences.

We're experiencing exploding Health Insurance Costs because of one man - Barack Hussein Obama. We had a chance to repeal this so-called Affordable Healthcare Act (cough, choke) but John Roberts played his silly arse "obamacare is a tax" absurdity.

Donald Trump is the only chance we have to put together some effective, and affordable healthcare. Heck, President Trump is the only chance we have to save this country. And the crooks (on both sides of the congressional aisle) are fighting him every step of the way.

President Trump is right about...........everything.


Posted by dnm3305
Member since Feb 2009
16036 posts
Posted on 11/9/25 at 7:53 am to
quote:

Until there is affordability in customary care like doctors visits and other small healthcare needs, insurance will always be a necessary evil.


Well there was prior to Obamacare, but only for the middle class that worked.

We can’t have that in our new grifter entitled society that Obama built.
Posted by jmarto1
Houma, LA/ Las Vegas, NV
Member since Mar 2008
38051 posts
Posted on 11/9/25 at 7:56 am to
I agree with this but we need to incentive maintenence on our health as it can reduce costs down the road
Posted by ljhog
Lake Jackson, Tx.
Member since Apr 2009
20350 posts
Posted on 11/9/25 at 8:39 am to
There is no "solution" that maintains accessible quality health care IF we continue to maintain the stance that everyone is ENTITLED to the same level of care.
Posted by GatorOnAnIsland
Florida
Member since Jan 2019
9452 posts
Posted on 11/9/25 at 9:56 am to
quote:

We're experiencing exploding Health Insurance Costs because of one man



Actually it was two and a rouge SCOTUS member, McCain and Robert’s



Posted by Diamondawg
Mississippi
Member since Oct 2006
37168 posts
Posted on 11/9/25 at 11:43 am to
Interstate competition will lower costs some. The problem is states have implemented their own mandates which drive up costs and just in their nature eliminate the possibility of interstate competition. Obamacare just started the run away train. States have done plenty to make things even more unaffordable.
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