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Posted on 10/26/25 at 10:56 am to Wednesday
quote:
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 It could work, so long as Obamacare is repealed entirely.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?
I'm in the same boat. Self employed and health care for me and wife is thru the fukin roof
Posted on 10/26/25 at 11:18 am to Hognutz
quote:
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."
absolute truth there
Posted on 10/26/25 at 12:37 pm to Wednesday
Vouchers and make employer-provided health insurance taxable. Require every American to be insured for catastrophic injuries and sickness. Give vouchers to the poor. Making employer-provided health insurance taxable will shut all of that down and get rid of these stupid one-size-fits-all policies.
Posted on 10/26/25 at 12:53 pm to Wednesday
quote:
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.
Yea, but we saw how the insurance industries used that to deny claims left and right in seeking higher profits.
It depends on what one's goals are.
Personally I would like to see people who work or are physically unable to work have access to affordable quality medical care without the government having to float it all on taxes and debt.
Posted on 10/26/25 at 12:58 pm to Robcrzy
quote:
Insurance will always be expensive as long as every step of the way someone has to make high profits
The only thing worse if something government runs.
Posted on 10/26/25 at 1:05 pm to Narax
We don't guarantee people a high paying job or a 2500sqft house, why do we provide them with the same care everyone that works gets?
I'm not suggesting we let people die but people that don't pay for their own healthcare tend to use the ER for primary care or rush to the Dr everytime they catch a cold.
Before Obamacare, those with pre-existing conditions were put in high risk pools. Now we're all basically in high risk pools.
If you want cadillac coverage get off your arse go to work and earn it.
Obamacare was and is the worst legislation in my lifetime and I'm now old. frick Obama, frick McCain, and frick SCCJ Roberts
I'm not suggesting we let people die but people that don't pay for their own healthcare tend to use the ER for primary care or rush to the Dr everytime they catch a cold.
Before Obamacare, those with pre-existing conditions were put in high risk pools. Now we're all basically in high risk pools.
If you want cadillac coverage get off your arse go to work and earn it.
Obamacare was and is the worst legislation in my lifetime and I'm now old. frick Obama, frick McCain, and frick SCCJ Roberts
This post was edited on 10/26/25 at 2:06 pm
Posted on 10/26/25 at 1:07 pm to Robcrzy
Most HealthShare plans are non-profit and a much better alternative for generally healthy people. I use Zion Healthshare and think it works very well for me.
Posted on 10/26/25 at 1:11 pm to goatmilker
quote:
That nurse on that rock album for starters.
Oh, fine, I'll do your work for you.
Posted on 10/26/25 at 1:29 pm to Wednesday
Replacement? How about get government out of health care.
Posted on 10/26/25 at 1:30 pm to Wednesday
quote:Pare back subsidies. Allow insurance to add better priced alternatives. Require healthcare billing transparency. Incentivize a break from Medicare-plus based billing for non-medicare private system services. A no-fault care-focused tort system would do wonders to increase quality transparency and decrease costs as well.
Obamacare sucks-what are everyone’s thoughts on replacement?
Posted on 10/26/25 at 1:32 pm to Wednesday
It’s called going back to what already existed which were private, individual plans if you wanted one. If you want to keep the ban on preexisting conditions, I am fine with it. Individuals should have to take a physical every other year.
Posted on 10/26/25 at 1:33 pm to NC_Tigah
The only way this happens is with nationalization of healthcare.
Insurance can be private but the actual employees are federal employees who don’t try to bill for everything under the sun because an MBA in the c suite needs a bonus.
Insurance can be private but the actual employees are federal employees who don’t try to bill for everything under the sun because an MBA in the c suite needs a bonus.
Posted on 10/26/25 at 1:42 pm to Wednesday
quote:
increasing the risk pool to a nationwide population, would naturally decrease the risks imposed by preexisting conditions,
Pre-existing conditions in the past were handled by a waiting period for everyone. Prior to the Obamacare garbage, there were catastrophic only policies that were cheap. Now Obamacare provides catastrophic only policies with high deductibles for premium prices so his freeloading voters get a gold plan for peanuts.
Posted on 10/26/25 at 1:44 pm to Wednesday
Wednesday,
That seems to be a very interesting idea, I thought you were one smart lady. Now I know you are.
Of course the Dems (socialist) and deep state guys and gals would be against it because it might, JUST MIGHT, work and solve a problem, improve healthcare quality, lower cost, help caregivers and create incentives to enter the healthcare industry.
Thank you.
That seems to be a very interesting idea, I thought you were one smart lady. Now I know you are.
Of course the Dems (socialist) and deep state guys and gals would be against it because it might, JUST MIGHT, work and solve a problem, improve healthcare quality, lower cost, help caregivers and create incentives to enter the healthcare industry.
Thank you.
Posted on 10/26/25 at 1:47 pm to Narax
quote:
The major problem though is the spread of risk from pre existing conditions into the insurance base.
And nothing can be done about this
Posted on 10/26/25 at 2:03 pm to Wednesday
Reconsider “Hail Mary” care for end stage patients. Huge proportion of spending over a lifetime is in the last six months of life.
A multi tier medical care system- wont fly politically, but it is what is needed. (What if the only cars made in the US were all Ferraris and everyone felt entitled to one)
Keeping non emergency cases out of ER.
Tort reform and caps on damages to keep malpractice insurance down and stop CT Scan for a headache, CYA approach to medicine -lawyers would fight this
All-in Upfront pricing to consumer
minute clinic style (CVS) nurse practitioners in every Walmart and grocery store for strep tests, small wounds, coughs, etc..
Some sort of reform for Rx patents
Steep tax on all cash transfers to foreign countries to pay for illegals’ care.
I’m sure there are flaws with all of these, but my two cents.
A multi tier medical care system- wont fly politically, but it is what is needed. (What if the only cars made in the US were all Ferraris and everyone felt entitled to one)
Keeping non emergency cases out of ER.
Tort reform and caps on damages to keep malpractice insurance down and stop CT Scan for a headache, CYA approach to medicine -lawyers would fight this
All-in Upfront pricing to consumer
minute clinic style (CVS) nurse practitioners in every Walmart and grocery store for strep tests, small wounds, coughs, etc..
Some sort of reform for Rx patents
Steep tax on all cash transfers to foreign countries to pay for illegals’ care.
I’m sure there are flaws with all of these, but my two cents.
Posted on 10/26/25 at 2:09 pm to Wednesday
No exemptions of any kind for federal workers.
Rules for thee.
Rules for thee.
Posted on 10/26/25 at 2:10 pm to Hateradedrink
quote:Controlling access rather than price. Nah, that's 180° opposite to my thoughts. Nationalization obliterates innovation, competition, and competitive pricing. We have too much of that now in healthcare.
The only way this happens is with nationalization of healthcare.
This post was edited on 10/26/25 at 2:11 pm
Posted on 10/26/25 at 2:11 pm to TigerBaitOohHaHa
My daughter had an injury this week in gymnastics. Elbow was dislocated. As soon as it happened, my wife took her to the ER because they thought it was broken. She was there about 2 hours. The bill? $3400. All they did was take an xray to confirm it wasn't broken and it was dislocated. No meds, nothing else.
We found a specialist to take a closer look/rehab who also took an X-ray. Asked for the cash price for the visit. $300 our the door.
We found a specialist to take a closer look/rehab who also took an X-ray. Asked for the cash price for the visit. $300 our the door.
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