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Thread: SCOTUS LIVEBLOG - Obamacare Mandate Survives-Part 2[W:1, 183, 386, 590]

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    Re: SCOTUS LIVEBLOG - Obamacare Mandate Survives-Part 2

    Quote Originally Posted by Boo Radley View Post
    You didn't link a study there either.

    I tried to. My son showed me how to post a story but I am not good at it. If you go to google and ask about the Mckinsey study on health care reform it is there.

    You have probably read the study results before no doubt. Not sure that Catawba has.

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    Re: SCOTUS LIVEBLOG - Obamacare Mandate Survives-Part 2

    Quote Originally Posted by washunut View Post
    I tried to. My son showed me how to post a story but I am not good at it. If you go to google and ask about the Mckinsey study on health care reform it is there.

    You have probably read the study results before no doubt. Not sure that Catawba has.
    How US health care reform will affect employee benefits - McKinsey Quarterly - Health Care - Strategy & Analysis

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    Re: SCOTUS LIVEBLOG - Obamacare Mandate Survives-Part 2[W:1, 183, 386, 590]

    You should know this:

    The survey was not intended as a predictive economic analysis of the impact of the Affordable Care Act. Rather, it captured the attitudes of employers and provided an understanding of the factors that could influence decision making related to employee health benefits.


    As such, our survey results are not comparable to the healthcare research and analysis conducted by others such as the Congressional Budget Office, RAND and the Urban Institute. Each of those studies employed economic modeling, not opinion surveys, and focused on the impact of healthcare reform on individuals, not employer attitudes.

    US employer healthcare survey | McKinsey & Company


    I'm not sure this is very valuable.

    AUSTAN GOOLSBEE: I think the world vests too much power, certainly in the president, probably in Washington in general for its influence on the economy, because most all of the economy has nothing to do with the government.

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    Re: SCOTUS LIVEBLOG - Obamacare Mandate Survives-Part 2

    Quote Originally Posted by Kandahar View Post

    Why exactly is it a bad thing if people get kicked off of employer-based plans and have to purchase an individual plan instead? Employer-based plans are a big part of the problem.
    1. why would employer based plans be part of the problem?

    2. the concern might be the quality of plans they might find on the individual market. Currently, they leave something to be desired, and again, the means to address this in the ACA seems questionable

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    Re: SCOTUS LIVEBLOG - Obamacare Mandate Survives-Part 2

    I would love to believe this Dem HC plan is gonna be all "great and wonderul", but I can't. Those taxpapers who pay the bills, 52%, will eventually have to pay for those 30-40+ million people who don't have healthcare. It can't happen any other way. We are always sold with "this is going to fix the problem", but it never happens. It always, always falls on the backs of the middle class and so will this crap bill.

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    Re: SCOTUS LIVEBLOG - Obamacare Mandate Survives-Part 2

    Quote Originally Posted by Dr. Chuckles View Post
    1. why would employer based plans be part of the problem?

    2. the concern might be the quality of plans they might find on the individual market. Currently, they leave something to be desired, and again, the means to address this in the ACA seems questionable
    Any "plan" that separates the customer from having ANY care about the cost of goods and services is part of the problem. If medical treatment is "free", or all procedures cost a $20 co-pay, then do YOU care if the REAL bill (paid by insurance) is $100 or $1000? You will NEVER "shop around" if you have an employer provided plan (that costs you maybe 25% of its "real" costs) that tells you to use doctor X, hospital Y and specialists from list Z. You probably spend more time deciding which brand of toilet paper or dish soap to buy than whether to get medical care for an ailment from clinic A or clinic B. You do not CARE because you have "insurance" that makes YOUR out of pocket cost the same, whether that clinic charges $100 or $500 to your insurance. It is the lack of consumer awareness that allows ALL medical care to cost "whatever", and we just accept that it went up 9.6% in a year.
    Last edited by ttwtt78640; 07-03-12 at 07:55 AM.
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    Quote Originally Posted by Boo Radley View Post
    You should know this:

    The survey was not intended as a predictive economic analysis of the impact of the Affordable Care Act. Rather, it captured the attitudes of employers and provided an understanding of the factors that could influence decision making related to employee health benefits.


    As such, our survey results are not comparable to the healthcare research and analysis conducted by others such as the Congressional Budget Office, RAND and the Urban Institute. Each of those studies employed economic modeling, not opinion surveys, and focused on the impact of healthcare reform on individuals, not employer attitudes.

    US employer healthcare survey | McKinsey & Company


    I'm not sure this is very valuable.
    Could you provide the internal methodology, and formulas used to achieve the conclusions, and the exact differences between the studies you like, and those you don't?

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    Re: SCOTUS LIVEBLOG - Obamacare Mandate Survives-Part 2[W:1, 183, 386, 590]

    Quote Originally Posted by j-mac View Post
    Could you provide the internal methodology, and formulas used to achieve the conclusions, and the exact differences between the studies you like, and those you don't?

    Sent from my EVO using Tapatalk 2
    McKinsey just explained it themselves.
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    Re: SCOTUS LIVEBLOG - Obamacare Mandate Survives-Part 2

    Quote Originally Posted by Dr. Chuckles View Post
    1. why would employer based plans be part of the problem?
    By tying your health care needs to your employer, people become dependent on that employer. Getting laid off (even aside from the salary loss), could be absolutely devastating and wipe out your entire life savings. This, in turn, makes employees less likely to leave their jobs to start a business, get an education, or find a job where they can be more productive. Employer based plans reduce worker mobility and increase risk aversion.

    2. the concern might be the quality of plans they might find on the individual market. Currently, they leave something to be desired, and again, the means to address this in the ACA seems questionable
    Yes, the quality of plans on the individual market is indeed a big problem right now. I was shopping for an individual plan a couple years ago...most of them are terrible and virtually all of them are unreliable. The ACA addresses this by mandating procedures that they must cover, banning rescission and other abuses, and gathering them all in one place (on a health insurance exchange). This allows consumers to easily compare plans based upon just a few variables (e.g. premiums, deductibles, out of pocket maximums), which isn't really possible under the present system unless you are a doctor and/or an actuary.

    That seems like a pretty good way to address the problem to me...it eliminates most of the main problems with individual health care plans that exist now. What do you dislike about it?
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    Re: SCOTUS LIVEBLOG - Obamacare Mandate Survives-Part 2[W:1, 183, 386, 590]

    Quote Originally Posted by Boo Radley View Post
    You should know this:

    The survey was not intended as a predictive economic analysis of the impact of the Affordable Care Act. Rather, it captured the attitudes of employers and provided an understanding of the factors that could influence decision making related to employee health benefits.


    As such, our survey results are not comparable to the healthcare research and analysis conducted by others such as the Congressional Budget Office, RAND and the Urban Institute. Each of those studies employed economic modeling, not opinion surveys, and focused on the impact of healthcare reform on individuals, not employer attitudes.

    US employer healthcare survey | McKinsey & Company


    I'm not sure this is very valuable.

    Well you can put your reliance on either an economic the CBO models or what executives who happen to be the decision makers tell a consultant.

    All are guesses, so you can pick which you want to believe.

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