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Insurers spent several years with low (as in, 4%) increases. Even in 2017, many states have single-digit increases. The problem is that the mandate isn't strong enough, so younger people still stay out of the system.
Yes they did.. when the economy was doing poorly. Because you can't get blood out of a rock. Now that the economy is doing better.. increases are yet again on the rise. Of course.. as obamacare progressed... you would think the opposite would happen (premiums would shrink as the benefits of obamacare continue on) ... but it didn't. Which is a clear indicator that was most likely the decrease in the economy that led to a decrease in the rate increases.
Not with the ACA. If insurers spend less than 80% of premiums on health care, then they are required to send ratepayers a rebate for the difference. SO glad you know how the law you're criticizing works.
Yeah.. that's whats funny. You don't understand the ACA. Because on one hand it prevents costs from going down.. if insurance companies are at that 20% maximum. A reduction in costs actually hurts them. so their is an incentive at the 20% mark to keep costs from going down.
On the other hand.. for companies that aren't at the level of 20% profit margin.. then there is an incentive to keep the costs down and pocket the profit.. getting them up to that 20% margin.
SO glad you understand the economics of healthcare.. you so vehemently argue for. :roll:
By the way nice graph.
Lets see.. prior to obmacare the vast majority were younger people 18.25.. followed by 25 to 34...
With a smidge of 35 to 64 year olds. and very few elderly.
thanks for making my point.
Preventive"
And yet, you insisted that giving immediate PT to someone who is already injured is preventive, so... no.
So yes. its not my fault you don't understand what is preventative.
Okay.. you don't like my example.
Lets take a screening for diabetes.. .is that preventative? So it test positive and you treat for diabetes.. is that preventative? they still have diabetes and will for the rest of their life.
Of course.. managing the diabetes means that they won't progress to all sorts of other problems that result in expensive procedures.
just like physical therapy for a back problem prevents that problem from progressing to a point where there are all sorts of other problems that necessitate expensive procedures like surgery.
what ever man.. you are wrong.
I never said that "every single uninsured person is sick." That is utter nonsense. What I'm saying is as a group, they needed coverage. It is foolish to deny that out of a population of 47 million, many of whom are poor, you're going to have lots of sick and/or injured people.
Exactly. so they don't need coverage because THEY ARE SICK. they as a group will do fine without coverage. The vast number of them won't care whether they had coverage or not because they aren;t sick nor will get sick.
Meanwhile, you're trying to sell us on the idea that a group that is larger than the population of California were all in such good shape, that none of them needed any kind of insurance. What utter nonsense.
and yet.. while you think they needed insurance... they were able to get by without insurance as a group for decades. The only one spouting nonsense is you.
if they desperately needed healthcare insurance... how did they survive without it?
And yet, you never bother to link to any data whatsoever. How convenient. That's probably because the polls don't actually back up what you're saying.
Really... you need it again.?
More Still Say Health Law Has Hurt Instead of Helped Them | Gallup