View Poll Results: Should parents be able to enroll their children under the age of 26?

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    19 63.33%
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Thread: Policies of the ACA: Young Adults on their Parents' Plan

  1. #41
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    Re: Policies of the ACA: Young Adults on their Parents' Plan

    Quote Originally Posted by teamosil View Post
    So when you weigh the freedom of say a million people between 18 and 26 who lack the freedom to go to the doctor against the "freedom" to make more profits for some investors, why does the "freedom" to make more profits outweigh?
    They lack the freedom to go to a doctor? who is stopping them? give me their names - I shall report these kidnappers to the police!

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    Re: Policies of the ACA: Young Adults on their Parents' Plan

    Quote Originally Posted by cpwill View Post
    To where it exists (and it does), that is due to government restrictions which are unnecessary, and government tax structures which are actively harmful. Equalize the treatment of employer v individually purchased health insurance and break the power of the states to tilt the market to favored companies and watch a market develop. We'll have geckos with british accents begging us not to go to Flo's website to see all the options the competition has.
    I agree that the imbalance between employer plans and individual plans is a serious problem.

    But, competition works better in some markets than others. Health care is one where it inherently works poorly. It is too complicated and too arbitrary to really make a fully informed decision. There are hundreds of thousands of possible treatments, like 99% of which the typical consumer has never even heard of. Trying to weight various plans based on the probability that you will need each treatment and which ones they cover and whatnot just isn't realistic. So, I'm not saying there should not be competition. There should be. IMO we should have both public and private entities competing for the business. But regulation is definitely appropriate in such a complicated market.
    Total tax rates- People living in poverty: 16.2%. The median American: 27%. Working people who make over $140k/year: 31%. The top 1%: 30%. Super rich investors: around 15%. Help the democrats retake the house.

  3. #43
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    Re: Policies of the ACA: Young Adults on their Parents' Plan

    Quote Originally Posted by cpwill View Post
    They lack the freedom to go to a doctor? who is stopping them? give me their names - I shall report these kidnappers to the police!
    You're making a joke about it, but obviously it is a massive and very real issue for the people in that situation.
    Total tax rates- People living in poverty: 16.2%. The median American: 27%. Working people who make over $140k/year: 31%. The top 1%: 30%. Super rich investors: around 15%. Help the democrats retake the house.

  4. #44
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    Re: Policies of the ACA: Young Adults on their Parents' Plan

    Quote Originally Posted by teamosil View Post
    So when you weigh the freedom of say a million people between 18 and 26 who lack the freedom to go to the doctor against the "freedom" to make more profits for some investors, why does the "freedom" to make more profits outweigh?
    There's nothing to balance on those scales.

    There's the actual freedom, to choose to sell what you want to customers who then choose to buy what you are selling or not - freedom of contract, freedom of choice...


    ... and then there's this notion that others can compel you to sell something to them whether you want to or not, and / or make other people pay for it. Which is as far from freedom as is possible.

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    Re: Policies of the ACA: Young Adults on their Parents' Plan

    the fact that this is even necessary at all is yet another symptom of our failing employer-based delivery system.

    but, given our absolute refusal to change this ridiculous and inefficient system, i vote yes. given the lousy job market, i'd raise the age even higher. after all, the insurance companies want people in this age group covered because they pay in more than they take out in care, and the cashier jobs that we are offering this entire generation don't offer health insurance.

  6. #46
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    Re: Policies of the ACA: Young Adults on their Parents' Plan

    Quote Originally Posted by JayDubya View Post
    There's nothing to balance on those scales.

    There's the actual freedom, to choose to sell what you want to customers who then choose to buy what you are selling or not - freedom of contract, freedom of choice...


    ... and then there's this notion that others can compel you to sell something to them whether you want to or not, and / or make other people pay for it. Which is as far from freedom as is possible.
    I mean, you're only looking at one side of the coin. You're saying that the insurance companies are less free to maximize their profits. But what about the other side of the coin- the people? Isn't somebody who has the choice to see a doctor when they're sick more free than the person who doesn't have that choice?
    Total tax rates- People living in poverty: 16.2%. The median American: 27%. Working people who make over $140k/year: 31%. The top 1%: 30%. Super rich investors: around 15%. Help the democrats retake the house.

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    Re: Policies of the ACA: Young Adults on their Parents' Plan

    Quote Originally Posted by teamosil View Post
    I agree that the imbalance between employer plans and individual plans is a serious problem.

    But, competition works better in some markets than others. Health care is one where it inherently works poorly. It is too complicated and too arbitrary to really make a fully informed decision
    this is incorrect - as the success of HSA's have demonstrated.

  8. #48
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    Re: Policies of the ACA: Young Adults on their Parents' Plan

    Quote Originally Posted by teamosil View Post
    You're making a joke about it, but obviously it is a massive and very real issue for the people in that situation.
    no it's not. either they make enough money to take on payment, or they don't and rate medicaid. more likely they are lazy and/or generally uninformed. Regardless, no one is stopping them from seeing a doctor.

  9. #49
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    Re: Policies of the ACA: Young Adults on their Parents' Plan

    Quote Originally Posted by teamosil View Post
    I mean, you're only looking at one side of the coin.
    There only is one side of this coin.

    The law doesn't somehow stop people from going to the doctor. If you can't pay the doctor, making someone else pay the doctor for you and / or making the doctor work perform the task anyway are both examples of using the law to reduce net freedom.

    So we're not weighing the value of different freedoms. We're weighing freedom versus coercion.

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    Re: Policies of the ACA: Young Adults on their Parents' Plan

    Quote Originally Posted by Dion View Post
    Why ... my sons are in college and they could not afford a private policy. If the children were on the family policy ...whether students or in entry level jobs most cannot afford to buy insurance and therefore would be uninsured and if a catastrophic accident occurs the tax payers would have this burden of millions of uninsured.

    If a family can continue this family policy to cover the children as they secure their futures in college, entry level jobs or as an apprentice why not have them insured?

    Why would any American citizen oppose this ... having more young Americans insured and being responsible as a family group?

    The young adults that do not go to school that begin entry level work or the few that start a business cannot afford hundreds each month to open a new policy. This provision helps families and saves billions in tax dollars as there would simply be uninsured young adults and the unfortunate percentage that have a catastrophic incident have coverage now ...instead of landing comatose or paraplegic after an MVA and then on medicaid and burdening the tax payers further.

    Think critically people!
    This ^ ........QFT


    I would chat with her when I'm feeling particularly snarky, but I wouldn't ever call her on the phone.

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