Sun Devil 92
Diamond Member
- Apr 2, 2015
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- #81
What you seem to be neglecting is that someday you or a member of your family is likely to have huge medical costs that far exceed your yearly premiums. $8,500 is nothing compared to what you will pay for a couple weeks in the hospital or on going care for chronic illnesses such as cancer or heart disease. My wife's medical bills for last year topped a $150,000. 4 days for a bout with pneumonia was $34,000 When you start having serious healthcare expenses come back and tell me $8500 a year is a lot of healthcare and I will say BULL SHIT.What's going on is 5% of the patients are responsible for 50% of the healthcare cost. If you think $8,500 is a lot for healthcare, you apparently haven't dealt with really big medical bills.Neither party is going to do anything with healthcare for several reasons. Healthcare is not as important an issue with voters as it was 4 or 8 years ago. Secondly, neither party has any confidence in their ability to pass legislation that would lower cost while increasing or maintaining coverage and quality of care.Yeah, I've been hearing that song for four years.
The only thing that's being put off until after the election is the mandate that employers who aren't providing Health Coverage pay a fine to pay for medicaid expansion. (And seriously, fuck those guys.) Doesn't maky a wit of difference to companies like the one I work for that already are doing the right thing.
The major change that people want in our healthcare system is lower out of pocket costs. Democrats can't delivery that because they don't have and are not lightly to have enough votes in the House to pass legislation to spend more money on healthcare. Republicans pin their hopes of reducing cost on more completion among insurance companies. The only way that can happen is for federal legislation to stomp all over state regulations and that's not going to happen. Even if there were legislation to encourage more completion between insurance companies, it won't touch the real elephant in the closet, the large increase in medical cost of providing more coverage to really sick people.
Most Important Problem
Gee....the problems of Obamacare defined.
I am still not sure how we spend 8,500 per person per year on health care.
A family of 6 would spend 43,000 per year. I know lots of families of 6 who don't spend anything.
Where the hell is it all going ?
My cousin became very ill and was transported to a trauma center. He spent 21 days in ICU and had 4 operations. He had 15 doctors. The total cost of his medical bills were $470,000. He was responsible for only $5,000, his yearly out of pocket maximum. Insurance paid the remainder.
In a family of 6, just one serious disease requiring hospitalization is likely to cost over $43,000.
Thank you for stating the obvious.
Your cousin sucked up 10 families worth. How frequent is your cousin ?
There isn't a 1 in 10 ratio as near as I can tell.
And yes, I think 8,500 is a lot of healthcare and I have had some major surgeries.
If I had saved that amount over the years, I'd still be ahead if I had paid the entire thing.
I realize that is what insurance is for.
My point being that nothing is going to bring down the cost of insurance as long as we are paying that much per person.
You missed where I said I had several major surgeries ?
Or does that upset your little fairy tale.
I've put in on a spreadsheet...and like I said, I come out ahead.
If I put my kids on that same sheet, I make out like a bandit.