View Poll Results: Are Republicans Trying to Hurt the Insurance Business?

Voters
7. You may not vote on this poll
  • Yes, that's exactly what they're doing.

    2 28.57%
  • No, this has nothing to do with the insurance companies, they just got in the way

    5 71.43%
Page 8 of 12 FirstFirst ... 678910 ... LastLast
Results 71 to 80 of 114

Thread: Are Republicans Trying to Hurt the Insurance Business?

  1. #71
    Sage
    Moot's Avatar
    Join Date
    Oct 2006
    Location
    Utah
    Last Seen
    Today @ 03:45 AM
    Lean
    Undisclosed
    Posts
    27,474

    Re: Are Republicans Trying to Hurt the Insurance Business?

    Quote Originally Posted by Rocketman View Post
    Not at the rates we have seen, these increases since ACA are more than the last ten years combined
    The increase in healthcare costs was on a upward trajectory long before Obama took office....




    Back in 1970s, the United States looked a lot like other countries when it came to health care spending. In 1980, we spent $1,110 per person on health care, which worked out to about 9.2 percent of Gross Domestic Product. But in the 1980s, health-care costs in the United States began growing much faster than in other countries, rising to $8,402 per person in 2010. That amounts to a total of $2.54 billion spent on health care, or 17.9 percent of our total economy.

    / Source: Kaiser Family Foundation
    But heres a surprise....spending in healthcare has decreased. That suggests that a lot of people are losing their insurance and not going to the doctor or getting medical treatment.



    Three key factors drive up health care costs. There's how much each unit of health care cost. There's population growth: the total number of people who need health care can increase. And there's utilization: The amount of health care each person uses can increase. In 2010, the cost of health care grew at about the same rate that it has for the past decade. So did the growth of the population. What's driving our slowdown in health care costs is a drop in utilization: Americans are using pretty much the same amount of health care as they did last year.

    That's a big change from the past decade, where we increasingly used more and more health care.

    / Source: Center for Medicare and Medicaid Services
    Insurance companies need a large pool of people in order to spread the risk and keep the cost of insurance premiums low. The more people in the pool the lower the cost of insurance premiums. So if health care costs have more or less stabilized and yet insurance rates are going up then that suggests that less people are buying health insurance and going to the doctor because they can't afford it. So they wait until they are very sick to seek medical attention which actually costs a lot more than if they had been treated earlier. So who picks up the tab? The people who have insurance do because health care providers transfer the cost of the uninsured onto private insurers who in turn raise their rates on the insured.


    "...Beginning this month (September 1, 2011) insurance companies must publish and justify all proposed premium hikes of 10% or more for the individual and small group markets, and state insurance departments must review them......

    http://blog.healthpolicyproject.org/...st-containment
    I would be curious to know if your insurance company published the reason for raising the cost of your insurance.
    Last edited by Moot; 09-22-13 at 05:22 PM.

  2. #72
    Banned
    Join Date
    Nov 2012
    Last Seen
    02-18-14 @ 08:18 PM
    Gender
    Lean
    Libertarian - Right
    Posts
    5,660

    Re: Are Republicans Trying to Hurt the Insurance Business?

    Quote Originally Posted by Moot View Post
    The increase in healthcare costs was on a upward trajectory long before Obama took office....



    But heres a surprise....spending in healthcare has decreased. That suggests that a lot of people are losing their insurance and not going to the doctor or getting medical treatment.



    Insurance companies need a large pool of people in order to spread the risk and keep the cost of insurance premiums low. The more people in the pool the lower the cost of insurance premiums. So if health care costs have more or less stabilized and yet insurance rates are going up then that suggests that less people are buying health insurance and going to the doctor because they can't afford it. So they wait until they are very sick to seek medical attention which actually costs a lot more than if they had been treated earlier. So who picks up the tab? The people who have insurance do because health care providers transfer the cost of the uninsured onto private insurers who in turn raise their rates on the insured.




    I would be curious to know if your insurance company published the reason for raising the cost of your insurance.
    26 year old added to insurance was one of the reasons

    latest increases were due to provisions in ACA causing my company to lower the part they covered.
    y

    Your graphs are not broken out so they mean dick in this conversation

  3. #73
    Sage
    Phys251's Avatar
    Join Date
    Jul 2011
    Location
    Georgia
    Last Seen
    Today @ 12:12 AM
    Gender
    Lean
    Slightly Liberal
    Posts
    12,785

    Re: Are Republicans Trying to Hurt the Insurance Business?

    Obamacare-hater tears are delicious.

    Can't wait to see the butthurt when more children begin to receive quality healthcare and more human lives begin to be saved!
    "A man you can bait with a tweet is not a man we can trust with nuclear weapons." --Hillary Rodham Clinton
    "Innocent until proven guilty is for criminal convictions, not elections." --Mitt Romney

  4. #74
    Sage
    Glen Contrarian's Avatar
    Join Date
    Jun 2013
    Location
    Bernie to the left of me, Hillary to the right, here I am...
    Last Seen
    Today @ 04:04 AM
    Gender
    Lean
    Progressive
    Posts
    15,565

    Re: Are Republicans Trying to Hurt the Insurance Business?

    Quote Originally Posted by Rocketman View Post
    They are living with their choices, why should the rest of us sit in the penalty box because of THEIR choices?
    Tell me - HOW was it my oldest son's choice in any way, shape, or form? Did he have a choice that he got rheumatic fever while I was on active duty? Was it his choice that the government only included him on my TRICARE insurance until he was 22? HOW was any of this HIS choice?

    But I guess in your world, my son should just do the patriotic thing and die so that you can personally save a minuscule fraction of a penny.

  5. #75
    Sage
    Glen Contrarian's Avatar
    Join Date
    Jun 2013
    Location
    Bernie to the left of me, Hillary to the right, here I am...
    Last Seen
    Today @ 04:04 AM
    Gender
    Lean
    Progressive
    Posts
    15,565

    Re: Are Republicans Trying to Hurt the Insurance Business?

    Quote Originally Posted by Rocketman View Post
    But I pay much less, the increases from the provisions in ACA have been more than the last 10 years combined. I have never been without insurance since I got out of high school, maintained it through college up till now. I drove POS cars and worked 40 hours/week while in school, was it ideal-no, but it kept me covered.
    I'm happy for you - but there are tens of millions of people who didn't have the opportunities you had. And what should I have done about my oldest son - say, "I'll decline military health care for my oldest son even though he has rheumatic fever and his life might be in danger, because someday some insurance company might deny him due to a pre-existing health condition!"?

    Because YOU were able to do what you were able to do does NOT mean that everyone had the same opportunities you had, or were able to do the same things you did. And whether you like it or not, if THEY get screwed because they can't have health insurance, YOU pay for that anyway - just in different ways.

    You're going to pay ANYway - so which makes more sense? To pay for people to have health insurance? Or to pay for the consequences of people not having health insurance?

  6. #76
    Sage
    Glen Contrarian's Avatar
    Join Date
    Jun 2013
    Location
    Bernie to the left of me, Hillary to the right, here I am...
    Last Seen
    Today @ 04:04 AM
    Gender
    Lean
    Progressive
    Posts
    15,565

    Re: Are Republicans Trying to Hurt the Insurance Business?

    Quote Originally Posted by lizzie View Post
    But the problem is, people like me will being paying for those who can't afford it. Up to now, I pay for my own insurance, and I'm happy with it. We're already paying for medicare and Medicaid, this will just be additional taxation for those of us who are paying through our noses.
    You'll only be paying additional amounts if you're earning enough that you no longer are allowed subsidies (something like 90K for a single person), or if the amount you're paying - minus the subsidies you will get - are somehow less than what you'll pay under the individual mandate.

    And - just like I've told the others here - you pay ANYWAY, no matter what. You will either pay to help provide health care for people...OR you will help pay for the consequences of people not having access to health care - like, for instance, the little fact that half of all bankruptcies are due at least in part to health care expenses.

    So which makes more sense? To pay extra to help people have health insurance? Or to pay extra for the consequences of people not having health insurance?

  7. #77
    Wee Nyeff
    GottaGo's Avatar
    Join Date
    Dec 2012
    Location
    In the now
    Last Seen
    05-23-17 @ 02:58 PM
    Lean
    Independent
    Posts
    5,311

    Re: Are Republicans Trying to Hurt the Insurance Business?

    Quote Originally Posted by Glen Contrarian View Post
    You'll only be paying additional amounts if you're earning enough that you no longer are allowed subsidies (something like 90K for a single person), or if the amount you're paying - minus the subsidies you will get - are somehow less than what you'll pay under the individual mandate.

    And - just like I've told the others here - you pay ANYWAY, no matter what. You will either pay to help provide health care for people...OR you will help pay for the consequences of people not having access to health care - like, for instance, the little fact that half of all bankruptcies are due at least in part to health care expenses.

    So which makes more sense? To pay extra to help people have health insurance? Or to pay extra for the consequences of people not having health insurance?
    400% of the poverty line... which I believe makes it about $55k single person.

    The difference is between a 'per use' basis that we pay now, and paying someone's premiums, no matter if the receive heath care or not. In addition, no new facilities as access points have been added, so any number of people will continue to use the ER as their access point. That is where the costs are more than what a regular doctor's appointment would run. If a person can get an appointment, appointment backlogs around here are about 4 weeks, and that's when you actually have something wrong with you.

    People are not going to suddenly start getting all healthy because they have insurance. A poor nutritional diet will still cause any number of problems, and that's not likely to change any time soon.

    There were many ways to address health care, and this is likely the worst choice that could have been made.
    Insurance is just a method of payment. An expansion of Medicaid would have served the same purpose
    Building block or stumbling block.... choose.

  8. #78
    Banned
    Join Date
    Nov 2012
    Last Seen
    02-18-14 @ 08:18 PM
    Gender
    Lean
    Libertarian - Right
    Posts
    5,660

    Re: Are Republicans Trying to Hurt the Insurance Business?

    Quote Originally Posted by Glen Contrarian View Post
    Tell me - HOW was it my oldest son's choice in any way, shape, or form? Did he have a choice that he got rheumatic fever while I was on active duty? Was it his choice that the government only included him on my TRICARE insurance until he was 22? HOW was any of this HIS choice?

    But I guess in your world, my son should just do the patriotic thing and die so that you can personally save a minuscule fraction of a penny.
    was he drafted?

  9. #79
    Banned
    Join Date
    Nov 2012
    Last Seen
    02-18-14 @ 08:18 PM
    Gender
    Lean
    Libertarian - Right
    Posts
    5,660

    Re: Are Republicans Trying to Hurt the Insurance Business?

    Quote Originally Posted by Glen Contrarian View Post
    So which makes more sense? To pay extra to help people have health insurance? Or to pay extra for the consequences of people not having health insurance?
    the latter, it isn't even a contest

  10. #80
    Banned
    Join Date
    Nov 2012
    Last Seen
    02-18-14 @ 08:18 PM
    Gender
    Lean
    Libertarian - Right
    Posts
    5,660

    Re: Are Republicans Trying to Hurt the Insurance Business?

    Quote Originally Posted by Glen Contrarian View Post
    Tell me - HOW was it my oldest son's choice in any way, shape, or form? Did he have a choice that he got rheumatic fever while I was on active duty? Was it his choice that the government only included him on my TRICARE insurance until he was 22? HOW was any of this HIS choice?

    But I guess in your world, my son should just do the patriotic thing and die so that you can personally save a minuscule fraction of a penny.
    $12k/year is hardly pennies. You had him, you pay for him

Page 8 of 12 FirstFirst ... 678910 ... LastLast

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •