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Thread: Dr. Carson: Obamacare The Worst Thing That Has Happened Since Slavery

  1. #1011
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    Re: Dr. Carson: Obamacare The Worst Thing That Has Happened Since Slavery

    Quote Originally Posted by j-mac View Post
    If the ACA is mandating through either by law, or new regulation the coverage of more items that they didn't have to provide before, would you think that would cost more? or less? Further, better has nothing to do with it, who decides "better"? Isn't that, or shouldn't that be my choice?

    Also, I think you are confusing just how much control I, individually have over a policy offered through my employer. Questions, in my experience, about coverage, or specific coverage's contained within the plan are negotiated between the employer, and the insurance company. My questions to the insurance company would result in them referring me back to my employer, who's explanation would simply be that was the best plan for the money that they could offer. So, really in the end no real answers for me, other than "well, that's what we offer, either you want it, or you don't."
    More items insured would be better insurance, so did your insurance improve? Remember the condition I put on my comment, : if your insurance wasn't better.

    And yes, better has something to do with. Insurance that doesn't do the job is worthless. I was talking to someone yesterday who had cheap insurance, but admitted if anything huge happened, they would largely be dropped and most not paid for, which begs the question, why are you paying at all. So quality does matter.

    And yes, this is really your employers insurance. You just benefit from it. Let me tell you how it likely worked. The normal increase was a low 1.5% (ours), the penalty was then levied and your employer, who could have paid it (as could have the insurance company), decided to pass that on as well (it's only temporary but will likely be forgotten and taken as permanent). This would likely be around 2%. Together, that would be about 3.5%. If you have been paying attention you might not know that's actually a typical yearly increase. Ten years ago we increased 50%. Then for awhile had double digit increases. And the past few years they've been around 3-4%. Unlikely that yours has been that much different.

    So all told, not significant. Hardly a disaster, and hardly outside the norm.

    So, I have answer you, but let me give a link:

    They point out that the 3 percent growth from 2009 to 2010 was unusually low. While it’s tough to discern a clear, long-term trend in the growth rates, the annual increase was holding steady at around 5 percent or 5.5 percent from 2007 to 2009. The growth rates had been at 10 percent and higher from 2000 to 2004. (See our chart below, which uses Kaiser’s employer survey numbers.) So, the 3 percent growth rate was “abnormally low,” says John Sheils, senior vice president of The Lewin Group, a subsidiary of UnitedHealth Group that operates independently of the health care company. He says it “would stand to reason that we’d get a boost” this year, possibly due to recovering losses or catching up on the cost of new equipment.

    (snip)

    But Sheils says he tells people to look at the projection for long-term growth — 6 percent, or 6.5 percent. That’s not that different from the increases that occurred several years before the law was passed.

    FactChecking Health Insurance Premiums

    So, claims of it being to ACA are dubious. If any, only a small amount and still below normal.

    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.

  2. #1012
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    Re: Dr. Carson: Obamacare The Worst Thing That Has Happened Since Slavery

    Quote Originally Posted by jmotivator View Post
    You have healthy people paying far more for it than they did before. Anyway, welcome to my point. Glad you made it safe.
    Yeah, some is more than none. But the point is, it doesn't hurt the insurance companies. They have no reason to up prices.

    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: Dr. Carson: Obamacare The Worst Thing That Has Happened Since Slavery

    Quote Originally Posted by ItAin'tFree View Post
    That's one of the many things that get to me about the clowns cheering on the every growing and ever excessive "social safety net". It forces people to lose their will to better themselves, take pride in themselves and festers hate towards those that provide that fund the government.
    It turns out the social safety net is a pretty awesome hammock.

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    Re: Dr. Carson: Obamacare The Worst Thing That Has Happened Since Slavery

    Quote Originally Posted by Boo Radley View Post
    Yeah, some is more than none. But the point is, it doesn't hurt the insurance companies. They have no reason to up prices.
    Of course they do. They are required to spend a lot more per patient than they did before. They pass that on in higher rates.

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    Re: Dr. Carson: Obamacare The Worst Thing That Has Happened Since Slavery

    Quote Originally Posted by jmotivator View Post
    Of course they do. They are required to spend a lot more per patient than they did before. They pass that on in higher rates.
    insurance companies are complaining about getting more customers?

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    Re: Dr. Carson: Obamacare The Worst Thing That Has Happened Since Slavery

    "So many challenges" yet you are unable to provide just one example. That pretty much speaks for itself.

    By the way, I'm a heart failure patient on 6 different meds and because of obamacare I'm having trouble renewing my free healthcare that I had. The free healthcare I had is shutting down and thanks to obamacare, I haven't had my meds in weeks - my condition is worsening, and I don't know what is going on except that obamacare is being forced on people who already had free healthcare, and it was apparently more important to forcefeed it in such haste, than it was to consider whether or not they would be adequately prepared, which, of course, they are not. I find the whole thing awkward and unusual. So, again I ask what is REALLY going on?

  7. #1017
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    Re: Dr. Carson: Obamacare The Worst Thing That Has Happened Since Slavery

    Quote Originally Posted by Boo Radley View Post
    More items insured would be better insurance, so did your insurance improve? Remember the condition I put on my comment, : if your insurance wasn't better.

    And yes, better has something to do with. Insurance that doesn't do the job is worthless. I was talking to someone yesterday who had cheap insurance, but admitted if anything huge happened, they would largely be dropped and most not paid for, which begs the question, why are you paying at all. So quality does matter.

    And yes, this is really your employers insurance. You just benefit from it. Let me tell you how it likely worked. The normal increase was a low 1.5% (ours), the penalty was then levied and your employer, who could have paid it (as could have the insurance company), decided to pass that on as well (it's only temporary but will likely be forgotten and taken as permanent). This would likely be around 2%. Together, that would be about 3.5%. If you have been paying attention you might not know that's actually a typical yearly increase. Ten years ago we increased 50%. Then for awhile had double digit increases. And the past few years they've been around 3-4%. Unlikely that yours has been that much different.

    So all told, not significant. Hardly a disaster, and hardly outside the norm.

    So, I have answer you, but let me give a link:

    They point out that the 3 percent growth from 2009 to 2010 was unusually low. While it’s tough to discern a clear, long-term trend in the growth rates, the annual increase was holding steady at around 5 percent or 5.5 percent from 2007 to 2009. The growth rates had been at 10 percent and higher from 2000 to 2004. (See our chart below, which uses Kaiser’s employer survey numbers.) So, the 3 percent growth rate was “abnormally low,” says John Sheils, senior vice president of The Lewin Group, a subsidiary of UnitedHealth Group that operates independently of the health care company. He says it “would stand to reason that we’d get a boost” this year, possibly due to recovering losses or catching up on the cost of new equipment.

    (snip)

    But Sheils says he tells people to look at the projection for long-term growth — 6 percent, or 6.5 percent. That’s not that different from the increases that occurred several years before the law was passed.

    FactChecking Health Insurance Premiums

    So, claims of it being to ACA are dubious. If any, only a small amount and still below normal.

    There are plenty of others out there with similar stories to mine, and like I pointed out before, some of the lowest projected rises in premium under the ACA would be 40% to 50% on up all the way to over 100% increases. As for my insurance, it did change. My premium rose about 50%, and my deductible doubled per family member. Plus, I am now notified that as of next year when the waiver for business expires it may be my turn to lose coverage.

    Now, I am a simple guy Joe, you know that. I can't see how you can tell me I am benefiting from this? I am 51 years old, my kids are grown, and I don't plan on having any others in my life, so I don't need maternity care, nor do I need pediatric medical, or dental care, plus I have a vasectomy, and have been married for over 25 years to the same wonderful woman, so I am pretty sure we don't need birth control like condoms either....

    All of this stuff costs money, and you are relying on the young healthy kids to come on in and cover the costs, I get that, but you don't know that they are or will. Its a gamble. And one that so far neither of us can say is taking place or not.
    Americans are so enamored of equality that they would rather be equal in slavery than unequal in freedom.

    Alexis de Tocqueville

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    Re: Dr. Carson: Obamacare The Worst Thing That Has Happened Since Slavery

    Quote Originally Posted by Unitedwestand13 View Post
    insurance companies are complaining about getting more customers?
    With 80% plus actually being shuffled to new medicaid roles, and of those left the sick ones coming in, are they really getting more "customers", or are they gaining more liability?
    Americans are so enamored of equality that they would rather be equal in slavery than unequal in freedom.

    Alexis de Tocqueville

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    Re: Dr. Carson: Obamacare The Worst Thing That Has Happened Since Slavery

    Quote Originally Posted by jmotivator View Post
    Of course they do. They are required to spend a lot more per patient than they did before. They pass that on in higher rates.
    That us made up for by the added premiums that come in. It's math.

    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.

  10. #1020
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    Re: Dr. Carson: Obamacare The Worst Thing That Has Happened Since Slavery

    Quote Originally Posted by Boo Radley View Post
    That us made up for by the added premiums that come in. It's math.
    No, you have to actually do the math before you can claim you did math. Show your work.

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