View Poll Results: Republicans/conservatives: Which of these health care reforms would you support?

Voters
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  • Banning or limiting discrimination based on preexisting conditions, gender, and age

    6 21.43%
  • Ending the "lifetime maximums" on health insurance policies

    4 14.29%
  • Requiring all Americans to purchase health insurance, with exemptions for the poor

    3 10.71%
  • Increased assistance to help the poor purchase insurance plans

    9 32.14%
  • Eliminating the antitrust exemption for health insurance companies

    10 35.71%
  • Taxing some/all health insurance benefits as regular income

    4 14.29%
  • None of the above

    14 50.00%
Multiple Choice Poll.
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Thread: Republicans/conservatives: Which of these health care reforms would you support?

  1. #31
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    Re: Republicans/conservatives: Which of these health care reforms would you support?

    Quote Originally Posted by nerv14 View Post
    If this is suppose to be a poll for conservatives, then there really should have been a choice about eliminating the tax incentives for healthcare benefits from someone's workplace.

    That would drastically reduce health care spending, so if anything, I don't think anyone should support the tax exempt status of employer provided health care services.
    That is one of the poll options.
    Taxing some/all health insurance benefits as regular income
    I completely agree with you, they should not be tax-exempt. If we're going to make any progress on controlling the costs of health care, we need to sever the link between health insurance and employment. This is very economically inefficient, because it traps people in jobs that they would otherwise leave.
    Last edited by Kandahar; 01-21-10 at 12:07 PM.
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  2. #32
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    Re: Republicans/conservatives: Which of these health care reforms would you support?

    Quote Originally Posted by Kandahar View Post
    But the same is true of any medical procedure. If I have to get $40,000 in chemotherapy, a catastrophic insurance plan will cover it (as it should). Sure, it might increase the cost but there's no way I'd be able to afford it on my own anyway. But the same is just as true if I have to get $40,000 in medicine. Both of those would fall under the category of "catastrophic" as far as I'm concerned, and the medicine wouldn't be any more or less price-sensitive than an equally-priced medical procedure covered by insurance.
    Chemotherapy is a limited-time expense, and totally unexpected. Medications are long-term, recurring expenses, and one of the few ways to keep costs contained is to place responsibility on the person who is using the resources. If I have hypertension, for example, my blood pressure could be controlled with a wide variety of drugs. Some of them are expensive, some are not, but many of them work well. If I have to pay for my own drugs, I could most likely take a generic form of a long-used drug for 4 dollars per month. If my insurance has to pick up the tab, I don't have to worry about the cost because my insurance company is paying. That's all fine and good, but there is no incentive to be responsible when I pretend that the insurance company is paying it. What it amounts to is that we are all paying in skyrocketing insurance costs. The one utilizing the service does not have to be cost-conscious.

    Iow, it's not your responsibility that I have high blood pressure. My blood pressure may be high because I eat too many double cheeseburgers or live a high stress lifestyle. You should not be expected to pay high premiums because of people who make poor lifestyle choices.

    Quote Originally Posted by Kandahar View Post
    I think offering something for free creates a much stronger incentive for people to take advantage of it than offering it for a $10 or $20 copay. It's not rational, but that's the way the human brain works IMO.
    I think you missed the point I was making.

  3. #33
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    Re: Republicans/conservatives: Which of these health care reforms would you support?

    Quote Originally Posted by RightinNYC View Post
    He's absolutely right in the sense that if you believe health care is a "right," then that means every person is entitled to the services of a health care provider. If the government reduces its reimbursement rates below what providers are willing to accept, then the only way to ensure that people are able to exercise their "right" to health care is to use the law to force health care providers to give them service, whether through pro bono licensing requirements or government-imposed qualifications that must be met to practice.
    Look at what you are doing here. If health care declared a legal right, and if the reimbursement rate is dropped too low, and if the government is the only insurer, and if there are not enough doctors, and if the government is willing to force doctors to do things, then, maybe, you might have a point. However, that chain is highly unlikely and can be discounted. The slave comment is, in all reality, overblown rhetoric designed to elicit an emotional reaction, and has zero real basis in logic or this discussion.
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  4. #34
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    Re: Republicans/conservatives: Which of these health care reforms would you support?

    Quote Originally Posted by Redress View Post
    If health care declared a legal right, and if the reimbursement rate is dropped too low, and if the government is the only insurer, and if there are not enough doctors, and if the government is willing to force doctors to do things, then, maybe, you might have a point. However, that chain is highly unlikely and can be discounted.
    Not likely in the short term, but entirely possible in the long term.

  5. #35
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    Re: Republicans/conservatives: Which of these health care reforms would you support?

    Quote Originally Posted by RightinNYC View Post
    I voted subsidize some of the poor and tax all/some benefits as income.
    I would argue just the opposite of what I bolded. One thing I've found as an agent is the biggest selling point in many policies I deal with are tax benefits, life and annuities are easy to sell because life policies are non-taxable and annuities are tax deferred, one thing I've found about the overall consumer opinion of health insurance is that it doesn't have a tax benefit and acts as "yet another expense", so if we actually gave tax credits for purchase or tax deductions(like mortgages), I would think more young people and those who are just above the poverty line would start to purchase more.

    I'm leery about the non-discrimination requirement and the lifetime cap requirement for the reasons that WI Crippler mentioned, I don't like the mandate for plenty of reasons, and I honestly haven't seen anything that would indicate that the antitrust exemption is anything other than a tiny issue being hyped to score political points.
    I don't like a general ban on PECs, but some companies take them too far, I think there should be some protections against potential abuses of the risk management model.

    I don't see a problem with subsidizing some of the poor, though not as generously as either of the bills being proposed. As a nation, we need to realize that thanks to our abhorrent lifestyle choices and our sense of entitlement in regards to quality of care, health care is expensive as **** and will be that way for the foreseeable future.
    Exactly right.
    Rather than act all outraged when they're expected to spend 10% of their income on insurance, people should fully expect to spend 15-20%. I've got no problem helping out people for whom this would be a true burden, but I think it's absolutely absurd to be handing out $10k subsidies to families of 4 making $60k while the family only pays $5k, as would happen under the Senate bill.
    You nailed that point too.

    As to taxing the benefits as income, I'm surprised more people didn't pick this. It seems like the most logical way to reduce overall spending while simultaneously getting rid of a tax break that just skews economic incentives.
    I think this is the lousiest of the options. If you want a revolt the best way to do it is to add additional expense to something people begrudgingly pay for anyway.
    Neither side in an argument can find the truth when both make an absolute claim on it.

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    Re: Republicans/conservatives: Which of these health care reforms would you support?

    Quote Originally Posted by lizzie View Post
    Not likely in the short term, but entirely possible in the long term.
    Almost anything is possible in the long term. A president could declare himself dictator for life and run the country as a complete fascist state. That is about as likely or moreso than doctor slaves.
    We became a great nation not because we are a nation of cynics. We became a great nation because we are a nation of believers - Lindsey Graham

    Quote Originally Posted by Fiddytree View Post
    Uh oh Megyn...your vagina witchcraft is about ready to be exposed.

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