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Thread: Health Care Bill has passed

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    Re: Health Care Bill has passed

    Quote Originally Posted by reefedjib View Post
    That is only one way to lower costs and it is not a good one. You want a large pool sharing costs. You want to lower costs for everyone. Technology and automation are the best ways to lower cost.
    That's what it is but it's specific pooling.

    45 year old males with diabetes as an example, should share the same risk pool.
    If that pool of people adjusts their lifestyle to something healthier, there costs will go down.

    I would love better increases in technology, automation is coming about slowly but it would help if you could replace a surgeon, primary care doctor, etc, with a diagnostic machine or surgical machine.
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
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    Re: Health Care Bill has passed

    Quote Originally Posted by reefedjib View Post
    As I mentioned, it is a privacy issue. Would you find it acceptable for the insurance company to request a DNA sample? Behavior is the same thing.
    Statistically it is not. You don't have a genetic choice but you do have lifestyle choices, if you choose to be unhealthy insurance costs more.
    Neither side in an argument can find the truth when both make an absolute claim on it.

    LMR

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    Re: Health Care Bill has passed

    Quote Originally Posted by LiberalAvenger View Post
    The republican would like to use the "Book Of The Dead" to guide who gets health care.
    Seriously, you have no idea what you are talking about. Did you miss the part where I'm an agent and have to learn this stuff constantly? Actuaries set risk, underwriters determine insurability and rates, simple.
    Neither side in an argument can find the truth when both make an absolute claim on it.

    LMR

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    Re: Health Care Bill has passed

    Quote Originally Posted by Harry Guerrilla View Post
    That's what it is but it's specific pooling.

    45 year old males with diabetes as an example, should share the same risk pool.
    If that pool of people adjusts their lifestyle to something healthier, there costs will go down.

    I would love better increases in technology, automation is coming about slowly but it would help if you could replace a surgeon, primary care doctor, etc, with a diagnostic machine or surgical machine.
    Quote Originally Posted by LaMidRighter View Post
    Statistically it is not. You don't have a genetic choice but you do have lifestyle choices, if you choose to be unhealthy insurance costs more.
    Maybe I am missing something here. I agree that costs will go up if people choose less healthy lifestyles. My contention is that those costs are not passed on to those people being unhealthy. No premium increase. Are you guys saying the premiums should go up? If so, we fundamentally disagree on this point.

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    Re: Health Care Bill has passed

    Quote Originally Posted by reefedjib View Post
    Maybe I am missing something here. I agree that costs will go up if people choose less healthy lifestyles. My contention is that those costs are not passed on to those people being unhealthy. No premium increase. Are you guys saying the premiums should go up? If so, we fundamentally disagree on this point.
    The bill shouldn't have passed, period. Eventually we'll be subsidizing anyone and everyone, that is the point.
    Neither side in an argument can find the truth when both make an absolute claim on it.

    LMR

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    Re: Health Care Bill has passed

    Quote Originally Posted by LaMidRighter View Post
    The bill shouldn't have passed, period. Eventually we'll be subsidizing anyone and everyone, that is the point.
    We are now.
    "This Administration will constantly strive to promote an ownership society in America. We want more people owning their own home. It is in our national interest that more people own their own home. After all, if you own your own home, you have a vital stake in the future of our country."" GWB

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    Re: Health Care Bill has passed

    Quote Originally Posted by reefedjib View Post
    Maybe I am missing something here. I agree that costs will go up if people choose less healthy lifestyles. My contention is that those costs are not passed on to those people being unhealthy. No premium increase. Are you guys saying the premiums should go up? If so, we fundamentally disagree on this point.
    Essentially that has already happened but instead of the costs being placed on the unhealthy people, it is spread across the spectrum of insurance customers.

    That is why, even though I have a good BMI and good overall vitals (blood pressure etc.), my costs go up.
    My company raised premiums this year by 10%, even though I didn't even use my insurance, except for 2 vaccines.

    When you get into a car accident that was your fault, your rates increase and for good reason, your behavior was bad.

    It's not right or fair and encourages unhealthy lifestyles.
    I was discovering that life just simply isn't fair and bask in the unsung glory of knowing that each obstacle overcome along the way only adds to the satisfaction in the end. Nothing great, after all, was ever accomplished by anyone sulking in his or her misery.
    —Adam Shepard

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    Re: Health Care Bill has passed

    Quote Originally Posted by USA-1 View Post
    We are now.
    No we are in fact not.
    Neither side in an argument can find the truth when both make an absolute claim on it.

    LMR

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    Re: Health Care Bill has passed

    Quote Originally Posted by Harry Guerrilla View Post
    Essentially that has already happened but instead of the costs being placed on the unhealthy people, it is spread across the spectrum of insurance customers.

    That is why, even though I have a good BMI and good overall vitals (blood pressure etc.), my costs go up.
    My company raised premiums this year by 10%, even though I didn't even use my insurance, except for 2 vaccines.

    When you get into a car accident that was your fault, your rates increase and for good reason, your behavior was bad.

    It's not right or fair and encourages unhealthy lifestyles.
    Actually, now that I think of it, if the thing ever goes full blown UHC, opponents could have a "sick in" and overwhelm the system till it collapses.
    Neither side in an argument can find the truth when both make an absolute claim on it.

    LMR

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    Re: Health Care Bill has passed

    Quote Originally Posted by LaMidRighter View Post
    The bill shouldn't have passed, period. Eventually we'll be subsidizing anyone and everyone, that is the point.
    I do not know what our discussion has to do with subsidizing anyone.

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