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Thread: Health insurers offer to stop charging sick people more

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    Health insurers offer to stop charging sick people more

    Insurers offer to stop charging sick people more

    WASHINGTON The health insurance industry offered Tuesday for the first time to curb its controversial practice of charging higher premiums to people with a history of medical problems.

    The offer from America's Health Insurance Plans and the Blue Cross and Blue Shield Association is a potentially significant shift in the debate over reforming the nation's health care system to rein in costs and cover an estimated 48 million uninsured people. It was contained in a letter to key senators.

    In the letter, the two insurance industry groups said their members are willing to "phase out the practice of varying premiums based on health status in the individual market" if all Americans are required to get coverage.
    This is an excellent idea, and is a compromise that I have been encouraging for quite some time. If everyone is required to have health insurance, then there won't be any problem of people waiting until they get sick and then getting insurance at a cheap price. I hope that the Obama Administration will consider this option as an important part of its health care plan.

    It's good to see the insurance companies willing to make this compromise, and I think this bodes well for the future of health insurance in this country.
    Last edited by Kandahar; 03-24-09 at 05:01 PM.
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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by Kandahar View Post
    If everyone is required to have health insurance....
    Ah... the freedom to choose.

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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by Goobieman View Post
    Ah... the freedom to choose.
    And if you choose not to have health insurance and get hit by a bus tomorrow, you're going to expect the taxpayers to foot the bill for your ER care. You might swear up and down that you won't, but you will. People tend to forget political ideology when they're bleeding underneath a bus.

    So instead of making me pay for your health insurance (assuming you're able to afford insurance and are just being irresponsible), I'd rather the government just mandate that you buy it yourself if you can afford it.
    Last edited by Kandahar; 03-24-09 at 05:11 PM.
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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by Kandahar View Post
    And if you choose not to have health insurance and get hit by a bus tomorrow, you're going to expect the taxpayers to foot the bill for your ER bill. You might swear up and down that you won't, but you will. People tend to forget political ideology when they're bleeding underneath a bus.

    I'd rather the government just make you buy it yourself if you can afford it.
    Yes. You'd rather the government take away our choices, in order to benefit some version of the 'common good'.

    I have a whole list of choices that I'd like to take away from you, to that end.

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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by Goobieman View Post
    Yes. You'd rather the government take away our choices, in order to benefit some version of the 'common good'.
    Partly. I'm not a fan of subsidizing your irresponsibility, if you're perfectly able to afford health insurance.

    Quote Originally Posted by Goobieman
    I have a whole list of choices that I'd like to take away from you, to that end.
    Good luck.
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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by Kandahar View Post
    Partly.
    No. Wholly.
    And to be specifc, you'd have the government do it to benefit YOUR version of the common good -- other version sneed not apply.

    Good luck.
    Yes -- that's exactly it.

    You're fine with removing peoples' right to choose when YOU think its a good idea, and against it when you don't.

    You're simply trying to impose your version of right and wrong, and will squeal like a stuck pig when someone does it to you.

    Tell me:
    Given that you're all about mandating personal responsibilty and making sure that people dont unnecessarily burden the system because of their irrespeonsible choices, you'll then support the government forcing pregenant women who are on public assistance to have abortions -- especially single mothers that already have a gaggle of kids.

    After all, why should we subsidize their irresponsibility?

    Right?
    Last edited by Goobieman; 03-24-09 at 05:24 PM.

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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by Kandahar View Post
    So instead of making me pay for your health insurance (assuming you're able to afford insurance and are just being irresponsible), I'd rather the government just mandate that you buy it yourself if you can afford it.
    There's the key. For many people with pre-existing conditions health insurance isn't only unaffordable, it's impossible. There are quite a few conditions that are automatic dis-qualifiers. No negotiation possible. As a result, most states have 'high-risk pools' for people who simply cannot obtain insurance otherwise. The premiums for high-risk pool insurance might seem reasonable, but the deductibles under these state programs are usually very high.

    Got diabetes? A history of cancer? Mental illness? HIV? Insurance can become very problematic.

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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by Goobieman View Post
    You're fine with removing peoples' right to choose when YOU think its a good idea, and against it when you don't.
    Well derrrr. That's quite a tautology, chief.

    Quote Originally Posted by Goobieman
    You're simply trying to impose your version of right and wrong, and will squeal like a stuck pig when someone does it to you.
    Spare me your moral absolutism. I'm talking about policies that would be beneficial from an economic and sociological perspective, and you're responding with self-righteous moralistic bullcrap. Since I simply do not share your morals, there's really nothing more to discuss on that front. So why not address the economic/sociological merits of the discussion rather than shrieking about the morality of it? You aren't going to win any converts that way.

    Quote Originally Posted by Goobieman
    Given that you're all about mandating personal responsibilty and making sure that people dont unnecessarily burden the system because of their irrespeonsible choices, you'll then support the government forcing pregenant women who are on public assistance to have abortions -- especially single mothers that already have a gaggle of kids.
    Nope. I'd support government programs to teach sex education in impoverished areas, and hand out free condoms. But not forced abortion. At any rate, stop trying to change the subject. If you don't want to discuss health care policy, create a separate thread. I'm really not interested.
    Last edited by Kandahar; 03-24-09 at 06:04 PM.
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    Re: Health insurers offer to stop charging sick people more

    Quote Originally Posted by Grateful Heart View Post
    There's the key. For many people with pre-existing conditions health insurance isn't only unaffordable, it's impossible. There are quite a few conditions that are automatic dis-qualifiers. No negotiation possible. As a result, most states have 'high-risk pools' for people who simply cannot obtain insurance otherwise. The premiums for high-risk pool insurance might seem reasonable, but the deductibles under these state programs are usually very high.

    Got diabetes? A history of cancer? Mental illness? HIV? Insurance can become very problematic.
    Exactly. Which is why I'm glad that these health insurance companies have now agreed to compromise on their price discrimination policies, in exchange for the government mandating that people buy health insurance.

    As I see it, this will bring new customers to the insurers, while making health insurance more affordable for the people who need it most.
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    Re: Health insurers offer to stop charging sick people more

    never thought i would live to see the day

    not saying i will, but the idea that i might....

    Human Taxidermist - - now offering his services for all your loved ones
    Quote Originally Posted by jallman View Post
    How the hell did you just tie in a retroactive reparative measure with a proactive preventative measure. Not even close to being the same thing.

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