Millions of Americans probably praying that the ACA penalty will end immediately.

[Doc1]

I know people who need this money badly, and they can't afford to have their taxes levied to pay this penalty. They couldn't afford the insurance, and they sure don't need to be paying for anyone else's insurance. Period.

yup just in time for tax season

What option will that give insurance companies other than to raise rates?

. Why would they have to raise rates ? Do they have customers who aren't paying the rates they ask for now ? So what you are you saying, that the government is paying for people to be covered by them, and that they are ripping the government a new butt hole ? How bout the government now doing what it said it was going to do, and that is to bring on the open borders across state lines ? You know where companies can compete for your business now ? It's time to repeal and replace, and to go after any company caught gouging their customers.

Insurance companies can not afford letting people buy insurance whe they get sick and then drop out when they are not.

That is why there is a mandate.

If that is removed, insurance companies will have to find ways to get more money from customers.

. If the rates were right, then people would pay their insurance bill just like any other bill they pay. The reason they do what you speak, is because they feel that they are getting screwed over bad on the rate verses what they are getting as a product for the rate being paid.

The Rates can never be right, nobody could pay them.

 

[SmokeALib]

I know people who need this money badly, and they can't afford to have their taxes levied to pay this penalty. They couldn't afford the insurance, and they sure don't need to be paying for anyone else's insurance. Period.

yup just in time for tax season

What option will that give insurance companies other than to raise rates?

. Why would they have to raise rates ? Do they have customers who aren't paying the rates they ask for now ? So what you are you saying, that the government is paying for people to be covered by them, and that they are ripping the government a new butt hole ? How bout the government now doing what it said it was going to do, and that is to bring on the open borders across state lines ? You know where companies can compete for your business now ? It's time to repeal and replace, and to go after any company caught gouging their customers.

Several states already let insurance companies sell across state lines.

Insurance companies haven't seen the benefit in that.

This idea is just more Republican bull that they hyped even though it had already been proven false.

It's not about benefitting the insurance companies, moron.
It's about affordable health care.

 

[Doc1]

I know people who need this money badly, and they can't afford to have their taxes levied to pay this penalty. They couldn't afford the insurance, and they sure don't need to be paying for anyone else's insurance. Period.

yup just in time for tax season

What option will that give insurance companies other than to raise rates?

what

the insurance companies dont get the money the fines generate

That's the way they were going to funnel money back to the companies through the Risk Corridors.

The concern was that insurance companies would see a lot of risk in the transition to the ACA, and would raise rates due to that risk of not knowing for sure what customers would do, etc.


"Risk Corridors" was a 3 year program designed to keep insurance companies from raising rates to cover that risk.

That was not permanent. The penalty for not having insurance was designed to be permenant.

Again, the rates can only be raised by application and approval by either the State or the Feds depending upon the size of the increase. Even BEFORE the ACA the companies had to apply to the State Commissioner s office before approval of the increases. They NEVER had the authority to just raise them to whatever they wished.

 

[beagle9]

I know people who need this money badly, and they can't afford to have their taxes levied to pay this penalty. They couldn't afford the insurance, and they sure don't need to be paying for anyone else's insurance. Period.

yup just in time for tax season

What option will that give insurance companies other than to raise rates?

. Why would they have to raise rates ? Do they have customers who aren't paying the rates they ask for now ? So what you are you saying, that the government is paying for people to be covered by them, and that they are ripping the government a new butt hole ? How bout the government now doing what it said it was going to do, and that is to bring on the open borders across state lines ? You know where companies can compete for your business now ? It's time to repeal and replace, and to go after any company caught gouging their customers.

Several states already let insurance companies sell across state lines.

Insurance companies haven't seen the benefit in that.

This idea is just more Republican bull that they hyped even though it had already been proven false.

. The problem is the word SOME. Either this nation is united or it isn't. The only way you make something work for all Americans, is to have every state participate in a unified way. Protectionism or the idea of some states opting out, and others trying to help is unexceptable.

 

[WillReadmore]

I know people who need this money badly, and they can't afford to have their taxes levied to pay this penalty. They couldn't afford the insurance, and they sure don't need to be paying for anyone else's insurance. Period.

yup just in time for tax season

What option will that give insurance companies other than to raise rates?

. Why would they have to raise rates ? Do they have customers who aren't paying the rates they ask for now ? So what you are you saying, that the government is paying for people to be covered by them, and that they are ripping the government a new butt hole ? How bout the government now doing what it said it was going to do, and that is to bring on the open borders across state lines ? You know where companies can compete for your business now ? It's time to repeal and replace, and to go after any company caught gouging their customers.

Several states already let insurance companies sell across state lines.

Insurance companies haven't seen the benefit in that.

This idea is just more Republican bull that they hyped even though it had already been proven false.

All plans in all States have at least the 10 minimum benefits. Companies are free to ADD benefits , but not subtract them. The portability issue is moot and a red herring still being used by those against the ACA.

That doesn't address anything I posted.

You responded to a post that points out that the several states have allowed selling insurance across state lines.

And, insurance companies are not showing interest in that.

 

[WillReadmore]

If you want health insurance like car insurance you have to accept that your car insurance does not pay for tires, or windshield wipers. It doesn't recharge your air conditioner or replace batteries.

Similar health insurance would not pay for flu shots, or a doctor's visit for a cold. It would certainly bring down the cost of medical care.

what if that doctor visit for a cold happened to be pneumonia?

If they went to he doc, they had insurance or money.....what the fuck business is it if mine?

False. Before the ACA, we pushed those who can't pay into our ERs.

Then, we paid for that through taxes and through increased costs of insurance and direct charges.

If we dump millions off insurance, we'll need to start shipping tax dollars to hospitals again.

'All the money spent to create the PPACA, and all the time wasted of paying the GOP wages as they sat and tried to get it repealed over 50 times knowing Obama would not, it will cost billion to repeal it. Like someone said if a boat has a tiny leak, one does not buy a new boat , one fixes the leak.

You progressives can keep it to yourself that being Obamacare, keep the rest of us out of it.

Yes. You want us to cover you.

And, I want you to cover yourself - regardless of your whining.

 

[Rustic]

what if that doctor visit for a cold happened to be pneumonia?

If they went to he doc, they had insurance or money.....what the fuck business is it if mine?

False. Before the ACA, we pushed those who can't pay into our ERs.

Then, we paid for that through taxes and through increased costs of insurance and direct charges.

If we dump millions off insurance, we'll need to start shipping tax dollars to hospitals again.

'All the money spent to create the PPACA, and all the time wasted of paying the GOP wages as they sat and tried to get it repealed over 50 times knowing Obama would not, it will cost billion to repeal it. Like someone said if a boat has a tiny leak, one does not buy a new boat , one fixes the leak.

You progressives can keep it to yourself that being Obamacare, keep the rest of us out of it.

Yes. You want us to cover you.

And, I want you to cover yourself - regardless of your whining.

I've never bought insurance not about to either… I've always paid for my shit out of pocket

 

[Penelope]

Obama should of made it mandatory that all states expanded Medicaid, and the fine for those choosing not to insure themselves should of been a lot more and enforced.

 

[Doc1]

yup just in time for tax season

What option will that give insurance companies other than to raise rates?

. Why would they have to raise rates ? Do they have customers who aren't paying the rates they ask for now ? So what you are you saying, that the government is paying for people to be covered by them, and that they are ripping the government a new butt hole ? How bout the government now doing what it said it was going to do, and that is to bring on the open borders across state lines ? You know where companies can compete for your business now ? It's time to repeal and replace, and to go after any company caught gouging their customers.

Several states already let insurance companies sell across state lines.

Insurance companies haven't seen the benefit in that.

This idea is just more Republican bull that they hyped even though it had already been proven false.

All plans in all States have at least the 10 minimum benefits. Companies are free to ADD benefits , but not subtract them. The portability issue is moot and a red herring still being used by those against the ACA.

That doesn't address anything I posted.

You responded to a post that points out that the several states have allowed selling insurance across state lines.

And, insurance companies are not showing interest in that.

That's because they don't have to. The plans are minimally standardized, a minimum of the same 10 standards no matter what. States can allow insurance to put plans out with MORE benefits, but never less than the 10 required benefits. Companies can sell plans from Bronze to Gold.

 

[Doc1]

yup just in time for tax season

What option will that give insurance companies other than to raise rates?

. Why would they have to raise rates ? Do they have customers who aren't paying the rates they ask for now ? So what you are you saying, that the government is paying for people to be covered by them, and that they are ripping the government a new butt hole ? How bout the government now doing what it said it was going to do, and that is to bring on the open borders across state lines ? You know where companies can compete for your business now ? It's time to repeal and replace, and to go after any company caught gouging their customers.

Several states already let insurance companies sell across state lines.

Insurance companies haven't seen the benefit in that.

This idea is just more Republican bull that they hyped even though it had already been proven false.

All plans in all States have at least the 10 minimum benefits. Companies are free to ADD benefits , but not subtract them. The portability issue is moot and a red herring still being used by those against the ACA.

That doesn't address anything I posted.

You responded to a post that points out that the several states have allowed selling insurance across state lines.

And, insurance companies are not showing interest in that.

And yes, it dealt with everything you posted, you just don't seem to comprehend it.

 

[beagle9]

yup just in time for tax season

What option will that give insurance companies other than to raise rates?

. Why would they have to raise rates ? Do they have customers who aren't paying the rates they ask for now ? So what you are you saying, that the government is paying for people to be covered by them, and that they are ripping the government a new butt hole ? How bout the government now doing what it said it was going to do, and that is to bring on the open borders across state lines ? You know where companies can compete for your business now ? It's time to repeal and replace, and to go after any company caught gouging their customers.

Insurance companies can not afford letting people buy insurance whe they get sick and then drop out when they are not.

That is why there is a mandate.

If that is removed, insurance companies will have to find ways to get more money from customers.

. If the rates were right, then people would pay their insurance bill just like any other bill they pay. The reason they do what you speak, is because they feel that they are getting screwed over bad on the rate verses what they are getting as a product for the rate being paid.

The Rates can never be right, nobody could pay them.

. Isn't it all about the pools, and how large the pools become in the insurance companies who desire to sell the right policy for the right price ? The auto insurance industry is working beautifully, and there is no dam reason why the healthcare industry can't do the very same thing. I mean you don't go with state farm if GEICO is giving a better plan for a better rate. Then if GEICO gets a reputation as being a great company, then the customer pool rises to levels that allows GEICO to even give better rates and services to it's customers.

 

[Doc1]

Obama should of made it mandatory that all states expanded Medicaid, and the fine for those choosing not to insure themselves should of been a lot more and enforced.

What's a little fascism between Americans eh?

 

[beagle9]

The reason this mess is complicated is by design. Wake up America.

 

[Doc1]

What option will that give insurance companies other than to raise rates?

. Why would they have to raise rates ? Do they have customers who aren't paying the rates they ask for now ? So what you are you saying, that the government is paying for people to be covered by them, and that they are ripping the government a new butt hole ? How bout the government now doing what it said it was going to do, and that is to bring on the open borders across state lines ? You know where companies can compete for your business now ? It's time to repeal and replace, and to go after any company caught gouging their customers.

Insurance companies can not afford letting people buy insurance whe they get sick and then drop out when they are not.

That is why there is a mandate.

If that is removed, insurance companies will have to find ways to get more money from customers.

. If the rates were right, then people would pay their insurance bill just like any other bill they pay. The reason they do what you speak, is because they feel that they are getting screwed over bad on the rate verses what they are getting as a product for the rate being paid.

The Rates can never be right, nobody could pay them.

. Isn't it all about the pools, and how large the pools become in the insurance companies who desire to sell the right policy for the right price. The auto insurance industry is working beautifully, and there is no dam reason why the healthcare industry can't do the very same thing. I mean you don't go with state farm if GEICO is giving a better plan for a better rate. Then if GEICO gets a reputation as being a great company, then the customer pool rises to levels that allows GEICO to even give better rates and services to it's customers.

The first thing the Feds did was to mandate that 80 cents of EVERY dollar taken in in premiums MUST be spent on claims.
Risk pools are now everybody in the same pot, it used to be set up by Zip Codes so that the rates could be set specifically to effect those that were causing the issues. So now the rates of everyone are effected by everyone and there is no way to mitigate the risk to the healthy ones. Despite administration claims that this would increase competition it has actually killed it. That's what happens when you mandate coverages and practice price controls. Business people knew that but most folks aren't business people. The net effect has been to see to it that there is nowhere else to go and that even if there were the cost would be relatively the same.

 

[WillReadmore]

I know people who need this money badly, and they can't afford to have their taxes levied to pay this penalty. They couldn't afford the insurance, and they sure don't need to be paying for anyone else's insurance. Period.

yup just in time for tax season

What option will that give insurance companies other than to raise rates?

. Why would they have to raise rates ? Do they have customers who aren't paying the rates they ask for now ? So what you are you saying, that the government is paying for people to be covered by them, and that they are ripping the government a new butt hole ? How bout the government now doing what it said it was going to do, and that is to bring on the open borders across state lines ? You know where companies can compete for your business now ? It's time to repeal and replace, and to go after any company caught gouging their customers.

Insurance companies can not afford letting people buy insurance whe they get sick and then drop out when they are not.

That is why there is a mandate.

If that is removed, insurance companies will have to find ways to get more money from customers.

. If the rates were right, then people would pay their insurance bill just like any other bill they pay. The reason they do what you speak, is because they feel that they are getting screwed over bad on the rate verses what they are getting as a product for the rate being paid.

Analysts show that the total cost of health care did not jump with the switch to the ACA, and in fact a chart of total cost per year shows less increase year over year now.

The ACA tends to push toward paying for outcomes rather than procedures, which is a cost saving direction. That is given sone of the credit. Maybe the fact the low income folks have choices other than the ER is a help.

I think the big change is in the way costs are distributed. Also in the past, insurance companies could save money by dumping sick people, refusing to sell to those with a health history, having a lower age limit on kids covered on the parent's policy, etc.

 

[beagle9]

yup just in time for tax season

What option will that give insurance companies other than to raise rates?

. Why would they have to raise rates ? Do they have customers who aren't paying the rates they ask for now ? So what you are you saying, that the government is paying for people to be covered by them, and that they are ripping the government a new butt hole ? How bout the government now doing what it said it was going to do, and that is to bring on the open borders across state lines ? You know where companies can compete for your business now ? It's time to repeal and replace, and to go after any company caught gouging their customers.

Insurance companies can not afford letting people buy insurance whe they get sick and then drop out when they are not.

That is why there is a mandate.

If that is removed, insurance companies will have to find ways to get more money from customers.

. If the rates were right, then people would pay their insurance bill just like any other bill they pay. The reason they do what you speak, is because they feel that they are getting screwed over bad on the rate verses what they are getting as a product for the rate being paid.

Analysts show that the total cost of health care did not jump with the switch to the ACA, and in fact a chart of total cost per year shows less increase year over year now.

The ACA tends to push toward paying for outcomes rather than procedures, which is a cost saving direction. That is given sone of the credit. Maybe the fact the low income folks have choices other than the ER is a help.

I think the big change is in the way costs are distributed. Also in the past, insurance companies could save money by dumping sick people, refusing to sell to those with a health history, having a lower age limit on kids covered on the parent's policy, etc.

. Well Trump is going to be looking at it all, so let's just pray that we get better plans and better results real soon.

 

[miketx]

I know people who need this money badly, and they can't afford to have their taxes levied to pay this penalty. They couldn't afford the insurance, and they sure don't need to be paying for anyone else's insurance. Period.

I'm one of those people.

 

[WillReadmore]

. Why would they have to raise rates ? Do they have customers who aren't paying the rates they ask for now ? So what you are you saying, that the government is paying for people to be covered by them, and that they are ripping the government a new butt hole ? How bout the government now doing what it said it was going to do, and that is to bring on the open borders across state lines ? You know where companies can compete for your business now ? It's time to repeal and replace, and to go after any company caught gouging their customers.

You do know that the Insurance Companies cannot just willy nilly set their own rates don't you?

. Then what drives these rates, and who is setting them ?? All I know is that the American working class is getting killed out here, and no one seems to give a rats ass about it anymore. Everyone needs coverage, and whatever it takes to do that, but keep it within reason, and for all to have a good policy then let's get-r-donnnnne.

In a for profit system usage determines the rate increases applied for. Prior to the ACA the Companies had to apply to the State Insurance commissioners for approval. Now if the applied for increases are under 10% the States can say yay or nay, if it's for 10% or more HHS must approve it.

. OK, now how did such high rates meet with approval ?? I mean shouldn't these proceedings be transparent and public knowledge when they take place ? Hmm, they might be, so forgive me for just being on the bad rates end of this mess.

You'd have to take that up with HHS and Obama's appointee. I'd also point out that since competition is actually dying in the marketplace the rate increases have not been large enough to sustain the business.
Before you go off on that know this, the ACA is performing exactly as it was designed to do. It was designed to implode the system, the companies are bailing because they cannot make enough to sustain their business models.
Even the non-profits are pulling out. Obama had one goal in mind and that is single payer. He knew he couldn't get it all at once, but he will get it.

Nonsense.

Let's remember that there was a full compliment of Republicans on the bi-partisan committees in the House and Senate that designed the ACA.

There was no way for there to be some secret agenda. And, Obama had almost nothing to do with the design.

 

[miketx]

You do know that the Insurance Companies cannot just willy nilly set their own rates don't you?

. Then what drives these rates, and who is setting them ?? All I know is that the American working class is getting killed out here, and no one seems to give a rats ass about it anymore. Everyone needs coverage, and whatever it takes to do that, but keep it within reason, and for all to have a good policy then let's get-r-donnnnne.

In a for profit system usage determines the rate increases applied for. Prior to the ACA the Companies had to apply to the State Insurance commissioners for approval. Now if the applied for increases are under 10% the States can say yay or nay, if it's for 10% or more HHS must approve it.

. OK, now how did such high rates meet with approval ?? I mean shouldn't these proceedings be transparent and public knowledge when they take place ? Hmm, they might be, so forgive me for just being on the bad rates end of this mess.

You'd have to take that up with HHS and Obama's appointee. I'd also point out that since competition is actually dying in the marketplace the rate increases have not been large enough to sustain the business.
Before you go off on that know this, the ACA is performing exactly as it was designed to do. It was designed to implode the system, the companies are bailing because they cannot make enough to sustain their business models.
Even the non-profits are pulling out. Obama had one goal in mind and that is single payer. He knew he couldn't get it all at once, but he will get it.

Nonsense.

Let's remember that there was a full compliment of Republicans on the bi-partisan committees in the House and Senate that designed the ACA.

There was no way for there to be some secret agenda. And, Obama had almost nothing to do with the design.

Did Obama have anything to do with anything?

 

[Doc1]

You do know that the Insurance Companies cannot just willy nilly set their own rates don't you?

. Then what drives these rates, and who is setting them ?? All I know is that the American working class is getting killed out here, and no one seems to give a rats ass about it anymore. Everyone needs coverage, and whatever it takes to do that, but keep it within reason, and for all to have a good policy then let's get-r-donnnnne.

In a for profit system usage determines the rate increases applied for. Prior to the ACA the Companies had to apply to the State Insurance commissioners for approval. Now if the applied for increases are under 10% the States can say yay or nay, if it's for 10% or more HHS must approve it.

. OK, now how did such high rates meet with approval ?? I mean shouldn't these proceedings be transparent and public knowledge when they take place ? Hmm, they might be, so forgive me for just being on the bad rates end of this mess.

You'd have to take that up with HHS and Obama's appointee. I'd also point out that since competition is actually dying in the marketplace the rate increases have not been large enough to sustain the business.
Before you go off on that know this, the ACA is performing exactly as it was designed to do. It was designed to implode the system, the companies are bailing because they cannot make enough to sustain their business models.
Even the non-profits are pulling out. Obama had one goal in mind and that is single payer. He knew he couldn't get it all at once, but he will get it.

Nonsense.

Let's remember that there was a full compliment of Republicans on the bi-partisan committees in the House and Senate that designed the ACA.

There was no way for there to be some secret agenda. And, Obama had almost nothing to do with the design.

That's all true, I don't care whether you believe it or not.

"Let's remember that there was a full compliment of Republicans on the bi-partisan committees in the House and Senate that designed the ACA."

Then why didn't any Repubs vote for it?