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Thread: Obamacare: Is a $2,000 deductible 'affordable?'

  1. #191
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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by Objective Voice View Post
    Ah! But states will have to deal with it eventually as in this case with CA since the Silver Plan this thread is based on apparently is via their state-sponsored HIE. As such, states do have the option to opt-out of ObamaCare and run their exchanges as they see fit OR let the fed handle it. Seems to me Cali has decided to comply with the law which was their choice. Hence, state's rights.

    You could say that ObamaCare interferes w/the health insurance market in one respect - via the individual mandate which forces everyone who can afford health insurance to buy it - but all that does is put more customers into the private health insurance market. Thus, you are correct when you state that Silver Plans will cater to a wealthier class of people as it's intended to do. This in no way, however, dictates which insurance company said customers should obtain their insurance from. That choice is still left up to the individual; the competition still rests with the number of health insurance providers who participate in the state-sponsored exchange.
    Apparently CA needs more help, not less. They seem to be doing a poor job.

    The mandate may interfere, but not for worse. One, logically I should make sure there us no need for a rate increase. It makes sure more are covered, and that should stop medical costs from going up if not bring them down (if the market functioned honestly).

    Competition has positives overall, but few in medicine. The dynamics are very different. The advantage is all on he side of providers. Only the wealthy can really afford adequate care.

    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: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by Boo Radley View Post
    Apparently CA needs more help, not less. They seem to be doing a poor job.

    The mandate may interfere, but not for worse. One, logically I should make sure there us no need for a rate increase. It makes sure more are covered, and that should stop medical costs from going up if not bring them down (if the market functioned honestly).
    Explain what you mean, how making sure people are covered (access) brings medical costs down.

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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by Neomalthusian View Post
    Explain what you mean, how making sure people are covered (access) brings medical costs down.
    Because there is no need to charge extra to others for those thy treat who can't pay. That $16 bandaid should not exist if everyone is covered.

    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: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by Boo Radley View Post
    Apparently CA needs more help, not less. They seem to be doing a poor job.

    The mandate may interfere, but not for worse. One, logically I should make sure there us no need for a rate increase. It makes sure more are covered, and that should stop medical costs from going up if not bring them down (if the market functioned honestly).

    Competition has positives overall, but few in medicine. The dynamics are very different. The advantage is all on he side of providers. Only the wealthy can really afford adequate care.
    There's a difference between "adequate care" and "affordable treatment". My family health insurance plan through BC/BS of Alabama, for example, provides adequate care for my family's basic health care needs and likely would absorb the cost of most urgent or emergency medical treatment I might need due to serious injury or illness. But if I should suddenly be diagnosed with lung cancer or heart disease and require "affordable treatment" to include physical therapy, I might be in some serious financial trouble. But alas, BC/BS of 'Bama is a monopoly down here. So....
    "A fair exchange ain't no robbery." Tupac Shakur w/Digital Underground

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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by Objective Voice View Post
    There's a difference between "adequate care" and "affordable treatment". My family health insurance plan through BC/BS of Alabama, for example, provides adequate care for my family's basic health care needs and likely would absorb the cost of most urgent or emergency medical treatment I might need due to serious injury or illness. But if I should suddenly be diagnosed with lung cancer or heart disease and require "affordable treatment" to include physical therapy, I might be in some serious financial trouble. But alas, BC/BS of 'Bama is a monopoly down here. So....
    You could have a million different companies, but you'd still have serious financial difficulty. The market would not change that. There is no cut rate treatment for serious illness that would do the job, nor would there ever have been or ever will be. The question is how do we get the most people access for the least amount of cost. I see it as a public health issue and not a market commodity.

    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: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by Boo Radley View Post
    You could have a million different companies, but you'd still have serious financial difficulty. The market would not change that. There is no cut rate treatment for serious illness that would do the job, nor would there ever have been or ever will be. The question is how do we get the most people access for the least amount of cost. I see it as a public health issue and not a market commodity.
    You might be right. It's why I've repeatedly stated that the only alternative to UHC is for Congress to return to the CLASS Act where everyone pays into the system similar to Medicare only you get to use the health benefits long before you reach retirement age. Of course, with the federal HIE's, the barriers to purchasing health insurance across stateliness will be broken. It's interesting that few people realize this. Thus, in that respect, there's your UHC assuming employers drop their employees from their employer-sponsored policies and don't give them their "full" share of monthly insurance premiums and not just that portion that's deducted from their check. Otherwise, the only way people begin to flock to the federal HIE is if their state either doesn't have an HIE of its own or policies found in the federal HIE are far cheaper than policies on state-sponsored exchanges. That's the only way ObamaCare even comes close to ushering in UHC. Employers either have to find it more cost-effective not to provide insurance OR employee salaries can't keep pace with rising healthcare costs.
    "A fair exchange ain't no robbery." Tupac Shakur w/Digital Underground

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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    If I as a Canadian could buy insurance with a 2K deductible then I wouldn't have nearly the qualms I have about travelling in the US. As it is, it's just too risky and the insurance I can buy in Canada is priced way too high due to experience. Cuba and Mexico are much more affordable.

    For Americans, most likely the overpriced cost of hospitals and doctors is going to make it near impossible to do much better for the people. The obvious goal is to bring that capitalist abuse under control first. Or just go with universal health care for all as should have been done right from the beginning of Obama's initiative. Being weak has only allowed the rabid right to make a mess of it.

    But you're right Boo Radley, healtlh care is not a 'for profit game' that should be played on the ordinary American citizen.
    luv from Canada.

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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by Boo Radley View Post
    One, logically I should make sure there us no need for a rate increase. It makes sure more are covered, and that should stop medical costs from going up if not bring them down (if the market functioned honestly).
    I'm really not sure what your assumptions are based on here.

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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by Boo Radley View Post
    Because there is no need to charge extra to others for those thy treat who can't pay. That $16 bandaid should not exist if everyone is covered.
    actually you're overlooking the fact that you're going to have to balance new members with people that are going to use more than they pay into the system. And one of the big issues with this bill is that it took no steps to widen access to primary care, or deal with the issue of doctors unwilling to take medicaid patients. This is likely to stear more individuals into ER's now that they have coverage

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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by Dr. Chuckles View Post
    I'm really not sure what your assumptions are based on here.
    Logic and math. What makes insurance affordable is having large numbers of people. The more people on insurance, the less it should cost. That's how it works. And with more people covered, less are using services they can't pay for, so that decreases the need to hike costs. So if insurance companies are hiking costs and care provides are still hiking costs, they're doing so oly to make larger profits and not due to reform.

    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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