Employer healthcare plans should be abolished. Privatize it all the way.

[RandomPoster]

Let's say one person is 40 years old and has a perfect driving record and pays 100 a month in car insurance. Another person is 23 years old, has been convicted of 6 DWIs and had 12 accidents in the last 5 years. He might pay 1200 a month even if he is the same age and drives the same model of car. I believe this is fair.

Let's say one person is 20 years old, single and in perfect health. He might pay 500 dollars a month with a non-regulated private insurer. Another person is 55 years old, morbidly obese, is married with 15 kids, and has a very expensive pre-existing condition. He goes to a non-regulated private insurer and they say they want 6,000 a month to insure him. How is this unfair?

Let's put them on the same plan and charge them both 3,250 a month. Heck, even 3,150 a month. How is this fair?

 

[Ambivalent1]

Let's say one person is 40 years old and has a perfect driving record and pays 100 a month in car insurance. Another person is 23 years old, has been convicted of 6 DWIs and had 12 accidents in the last 5 years. He might pay 1200 a month even if he is the same age and drives the same model of car. I believe this is fair.

Let's say one person is 20 years old, single and in perfect health. He might pay 500 dollars a month with a non-regulated private insurer. Another person is 55 years old, morbidly obese, is married with 15 kids, and has a very expensive pre-existing condition. He goes to a non-regulated private insurer and they say they want 6,000 a month to insure him. How is this unfair?

Let's put them on the same plan and charge them both 3,250 a month. Heck, even 3,150 a month. How is this fair?

You do know that the law says that you can only charge 3 times the amount you charge the youngster right?

 

[RandomPoster]

Let's say one person is 40 years old and has a perfect driving record and pays 100 a month in car insurance. Another person is 23 years old, has been convicted of 6 DWIs and had 12 accidents in the last 5 years. He might pay 1200 a month even if he is the same age and drives the same model of car. I believe this is fair.

Let's say one person is 20 years old, single and in perfect health. He might pay 500 dollars a month with a non-regulated private insurer. Another person is 55 years old, morbidly obese, is married with 15 kids, and has a very expensive pre-existing condition. He goes to a non-regulated private insurer and they say they want 6,000 a month to insure him. How is this unfair?

Let's put them on the same plan and charge them both 3,250 a month. Heck, even 3,150 a month. How is this fair?

You do know that the law says that you can only charge 3 times the amount you charge the youngster right?

That law would be a perfect example of the problem.

 

[Cecilie1200]

Let's say one person is 40 years old and has a perfect driving record and pays 100 a month in car insurance. Another person is 23 years old, has been convicted of 6 DWIs and had 12 accidents in the last 5 years. He might pay 1200 a month even if he is the same age and drives the same model of car. I believe this is fair.

Let's say one person is 20 years old, single and in perfect health. He might pay 500 dollars a month with a non-regulated private insurer. Another person is 55 years old, morbidly obese, is married with 15 kids, and has a very expensive pre-existing condition. He goes to a non-regulated private insurer and they say they want 6,000 a month to insure him. How is this unfair?

Let's put them on the same plan and charge them both 3,250 a month. Heck, even 3,150 a month. How is this fair?

You do know that the law says that you can only charge 3 times the amount you charge the youngster right?

Pretty sure what he's complaining about is that as things stand now, if they work for the same employer, they probably have the same health plan and the same premium because the kid doesn't have a choice. It's the employer who decides what the plan will be, not the person being insured.

I can think of a few things I would like about a system where we purchase our healthcare and our health insurance the way we shop for and purchase other things. I would like insurance companies and health providers to have to compete for the business of the actual patients. I think we would be seeing an explosion of innovative new options, pricing, payment plans, etc. in no time.

 

[Brain357]

Markets don’t work with healthcare.

 

[BlindBoo]

I want a discount, cash/no paperwork option from my doctor. I'm willing to sigh a waiver promising not to sue him for malpractice if my cough turns out to be lung cancer.

 

[Cecilie1200]

I want a discount, cash/no paperwork option from my doctor. I'm willing to sigh a waiver promising not to sue him for malpractice if my cough turns out to be lung cancer.

"No paperwork" in what sense, exactly? Which paperwork are you objecting to?

 

[Norman]

Let's say one person is 40 years old and has a perfect driving record and pays 100 a month in car insurance. Another person is 23 years old, has been convicted of 6 DWIs and had 12 accidents in the last 5 years. He might pay 1200 a month even if he is the same age and drives the same model of car. I believe this is fair.

Let's say one person is 20 years old, single and in perfect health. He might pay 500 dollars a month with a non-regulated private insurer. Another person is 55 years old, morbidly obese, is married with 15 kids, and has a very expensive pre-existing condition. He goes to a non-regulated private insurer and they say they want 6,000 a month to insure him. How is this unfair?

Let's put them on the same plan and charge them both 3,250 a month. Heck, even 3,150 a month. How is this fair?

It's unfair because health care is a right and you are a racist.

 

[progressive hunter]

I would say that my healthcare is not anyones business but mine ,,,

SO FUCK OFF if you dont like it


have a nice day

 

[Toddsterpatriot]

Let's say one person is 40 years old and has a perfect driving record and pays 100 a month in car insurance. Another person is 23 years old, has been convicted of 6 DWIs and had 12 accidents in the last 5 years. He might pay 1200 a month even if he is the same age and drives the same model of car. I believe this is fair.

Let's say one person is 20 years old, single and in perfect health. He might pay 500 dollars a month with a non-regulated private insurer. Another person is 55 years old, morbidly obese, is married with 15 kids, and has a very expensive pre-existing condition. He goes to a non-regulated private insurer and they say they want 6,000 a month to insure him. How is this unfair?

Let's put them on the same plan and charge them both 3,250 a month. Heck, even 3,150 a month. How is this fair?

Let's put them on the same plan and charge them both 3,250 a month.

If you're a 20 year old paying $3250 a month for your employer insurance plan you may be too stupid
to discuss this issue.

 

[Staidhup]

Yes health care is a right provided you pay for it, as is the right to have homeowners and auto insurance. Because someone chooses not to work or pay for their health insurance why is it the responsibility for everyone else that works to take care of you? What right is that?

 

[RandomPoster]

Why is it wrong to charge an unhealthy person 12 or even 20 times as much for healthcare as a healthy person if he is 12 or 20 times the risk? It is based on risk and potential expenses.

 

[RandomPoster]

Yes health care is a right provided you pay for it, as is the right to have homeowners and auto insurance. Because someone chooses not to work or pay for their health insurance why is it the responsibility for everyone else that works to take care of you? What right is that?

No. It is insurance. It is a marketable commodity best controlled by the free market.

 

[Toddsterpatriot]

Why is it wrong to charge an unhealthy person 12 or even 20 times as much for healthcare as a healthy person if he is 12 or 20 times the risk? It is based on risk and potential expenses.

If you're an unhealthy person and you want to pay more for an individual plan than your employer
will charge you, you should definitely do that.

 

[RandomPoster]

Why is it wrong to charge an unhealthy person 12 or even 20 times as much for healthcare as a healthy person if he is 12 or 20 times the risk? It is based on risk and potential expenses.

If you're an unhealthy person and you want to pay more for an individual plan than your employer
will charge you, you should definitely do that.

Healthy people should not have to pool their healthcare premiums with unhealthy people. If you are unhealthy, that is not my fault. I should be able to go out and buy cheap, unregulated health insurance and you should have to do the same or not get health insurance. If your premiums are 6,000 a month in a beautiful, free, unregulated market, why is that my problem? It's as bad as Obamacare.

 

[Toddsterpatriot]

Why is it wrong to charge an unhealthy person 12 or even 20 times as much for healthcare as a healthy person if he is 12 or 20 times the risk? It is based on risk and potential expenses.

If you're an unhealthy person and you want to pay more for an individual plan than your employer
will charge you, you should definitely do that.

Healthy people should not have to pool their healthcare premiums with unhealthy people. If you are unhealthy, that is not my fault. I should be able to go out and buy cheap, unregulated health insurance and you should have to do the same or not get health insurance. If your premiums are 6,000 a month in a beautiful, free, unregulated market, why is that my problem? It's as bad as Obamacare.

Healthy people should not have to pool their healthcare premiums with unhealthy people.

If you can get a cheaper, un-pooled rate, by getting a plan outside your employer, go for it.

I should be able to go out and buy cheap, unregulated health insurance

No one is stopping you. Go price some policies and post your findings.

 

[Staidhup]

Yes health care is a right provided you pay for it, as is the right to have homeowners and auto insurance. Because someone chooses not to work or pay for their health insurance why is it the responsibility for everyone else that works to take care of you? What right is that?

No. It is insurance. It is a marketable commodity best controlled by the free market.

Agree, however a substantial portion of your monthly premium is earmarked to cover high risk and precondition policy holders.
A governmental regulated commodity it is, however regulated by each Individual state, unfortunately for the consumer not in a true open market based economy.

 

[2aguy]

Let's say one person is 40 years old and has a perfect driving record and pays 100 a month in car insurance. Another person is 23 years old, has been convicted of 6 DWIs and had 12 accidents in the last 5 years. He might pay 1200 a month even if he is the same age and drives the same model of car. I believe this is fair.

Let's say one person is 20 years old, single and in perfect health. He might pay 500 dollars a month with a non-regulated private insurer. Another person is 55 years old, morbidly obese, is married with 15 kids, and has a very expensive pre-existing condition. He goes to a non-regulated private insurer and they say they want 6,000 a month to insure him. How is this unfair?

Let's put them on the same plan and charge them both 3,250 a month. Heck, even 3,150 a month. How is this fair?

You do know that the law says that you can only charge 3 times the amount you charge the youngster right?

Pretty sure what he's complaining about is that as things stand now, if they work for the same employer, they probably have the same health plan and the same premium because the kid doesn't have a choice. It's the employer who decides what the plan will be, not the person being insured.

I can think of a few things I would like about a system where we purchase our healthcare and our health insurance the way we shop for and purchase other things. I would like insurance companies and health providers to have to compete for the business of the actual patients. I think we would be seeing an explosion of innovative new options, pricing, payment plans, etc. in no time.

We would...but the politicians and insurance companies have set up monopolies in states....more competition would mean cheaper and better healthcare, and more innovation with medicine......but that cuts the democrats out of the loop and they won't stand for that.

 

[Harpy Eagle]

Let's say one person is 40 years old and has a perfect driving record and pays 100 a month in car insurance. Another person is 23 years old, has been convicted of 6 DWIs and had 12 accidents in the last 5 years. He might pay 1200 a month even if he is the same age and drives the same model of car. I believe this is fair.

Let's say one person is 20 years old, single and in perfect health. He might pay 500 dollars a month with a non-regulated private insurer. Another person is 55 years old, morbidly obese, is married with 15 kids, and has a very expensive pre-existing condition. He goes to a non-regulated private insurer and they say they want 6,000 a month to insure him. How is this unfair?

Let's put them on the same plan and charge them both 3,250 a month. Heck, even 3,150 a month. How is this fair?

no employer forces you to use their healthcare plan. You can choose not to and get your own

 

[Harpy Eagle]

Let's say one person is 40 years old and has a perfect driving record and pays 100 a month in car insurance. Another person is 23 years old, has been convicted of 6 DWIs and had 12 accidents in the last 5 years. He might pay 1200 a month even if he is the same age and drives the same model of car. I believe this is fair.

Let's say one person is 20 years old, single and in perfect health. He might pay 500 dollars a month with a non-regulated private insurer. Another person is 55 years old, morbidly obese, is married with 15 kids, and has a very expensive pre-existing condition. He goes to a non-regulated private insurer and they say they want 6,000 a month to insure him. How is this unfair?

Let's put them on the same plan and charge them both 3,250 a month. Heck, even 3,150 a month. How is this fair?

You do know that the law says that you can only charge 3 times the amount you charge the youngster right?

Pretty sure what he's complaining about is that as things stand now, if they work for the same employer, they probably have the same health plan and the same premium because the kid doesn't have a choice. It's the employer who decides what the plan will be, not the person being insured.

I can think of a few things I would like about a system where we purchase our healthcare and our health insurance the way we shop for and purchase other things. I would like insurance companies and health providers to have to compete for the business of the actual patients. I think we would be seeing an explosion of innovative new options, pricing, payment plans, etc. in no time.

We would...but the politicians and insurance companies have set up monopolies in states....more competition would mean cheaper and better healthcare, and more innovation with medicine......but that cuts the democrats out of the loop and they won't stand for that.

the only way to open all states to all companies is for all states to have the exact same standards and requirements. the only way to do that is for the Fed Govt to force them to comply. Only a statist would argue for such things