Crixus
Gold Member
how does the plan reduce the cost of helth care ?
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That would be between you and the insurance company. Government should not play a role in that.Nothing there on pre-existing conditions and lifetime caps .
CBS News reported several nights ago that the third cause of death after heart disease and cancer was medical error. If America has the best health care on earth as the right has been saying prior to the passage of the ACA, how does this happen?
That would be between you and the insurance company. Government should not play a role in that.
Yeah, "right"...because health insurance companies simply "love" to insure sick people and pay out more than they take in.
CBS News reported several nights ago that the third cause of death after heart disease and cancer was medical error. If America has the best health care on earth as the right has been saying prior to the passage of the ACA, how does this happen?
The World Health Organization has our health care, morbidity rates and longevity somewhere in the 30th ranking....But, I believe, we did beat Ecuador.
That still does not change the fact government should NOT be part of it.That would be between you and the insurance company. Government should not play a role in that.
Yeah, "right"...because health insurance companies simply "love" to insure sick people and pay out more than they take in.
I beg to differ. As it currently stands most states only allow a couple insurance companies to operate within their borders. Essentially a monopoly state by state which railroads consumers into paying higher costs through lack of choices & competition.People can't write off their health insurance premiums if they can't afford to pay them in the first place.
HSA plans have two components: A high deductible health plan and another account to which you must contribute for use in paying the deductible. Combined, they're essentially the same cost as traditional health insurance premiums.
None of these "ideas" make it easier for people to afford or access critical preventive or diagnostic care, or prescription drugs.
There are too many people who don't understand how this works tossing out "ideas".
.
Its not governments job to provide anything but the safety and security of its citizens.Like all Republican health proposals I have seen, this one does nothing to provide comprehensive healthcare
How will Trump replace the exchanges once he repeals Obamacare?
Its not governments job to provide anything but the safety and security of its citizens.Like all Republican health proposals I have seen, this one does nothing to provide comprehensive healthcare
How will Trump replace the exchanges once he repeals Obamacare?
and bathrooms/bedroomsThat still does not change the fact government should NOT be part of it.
You mean for government to stay out of people's personal business like pre-choice and voting rights?
The schedule for the penalties maxed out in 2016, so we're already at that point (2.5% of household income maximum per person yearly cost of a "bronze" plan or $695 per adult/$347.50 for children under 18 whichever is higher, maximum $2,085 ), and the situation with respect to the balance in the risk pools appears to be getting worse not better, so apparently young, healthy people are either confident that they can circumvent the penalties OR are going to wait until they get sick to sign up OR they just don't want to bother with insurance (probably because the law and the red tape that surrounds it is so confusing that nobody in their right mind wants anything to do with it) and are opting instead to pay either the yearly cost of the "bronze" plan as a maximum penalty or the $695 person/$2085 family.You mean like what's happening under Obamacare RIGHT NOW?
You're forgetting that the penalty for NOT adhering to the mandate will soon reach the same amount as buying a HC policy.
Most of these recommendation have been around for years. Take for example removing barriers that keep insurance companies from operating across state lines. Currently 70% of health insurance companies do operate across state lines although none operates in every state. The number has increased since Obamacare which forced state regulators to take a backseat to federal regulations. There are a number of barriers that keep insurance companies within state lines, none of which are federal laws and regulation. State laws and regulations are still a major barrier. The only way the federal government can solve that problem is to usurp the power of the states to regulate insurance.What I really like is the emphasis on expanded Health Savings Accounts, and the shift in tax deductibility to individuals. Another excellent proposal is price transparency.
Congress must act. Our elected representatives in the House and Senate must:
1. Completely repeal Obamacare. Our elected representatives must eliminate the individual mandate. No person should be required to buy insurance unless he or she wants to.
2. Modify existing law that inhibits the sale of health insurance across state lines. As long as the plan purchased complies with state requirements, any vendor ought to be able to offer insurance in any state. By allowing full competition in this market, insurance costs will go down and consumer satisfaction will go up.
3. Allow individuals to fully deduct health insurance premium payments from their tax returns under the current tax system. Businesses are allowed to take these deductions so why wouldn’t Congress allow individuals the same exemptions? As we allow the free market to provide insurance coverage opportunities to companies and individuals, we must also make sure that no one slips through the cracks simply because they cannot afford insurance. We must review basic options for Medicaid and work with states to ensure that those who want healthcare coverage can have it.
4. Allow individuals to use Health Savings Accounts (HSAs). Contributions into HSAs should be tax-free and should be allowed to accumulate. These accounts would become part of the estate of the individual and could be passed on to heirs without fear of any death penalty. These plans should be particularly attractive to young people who are healthy and can afford high-deductible insurance plans. These funds can be used by any member of a family without penalty. The flexibility and security provided by HSAs will be of great benefit to all who participate.
5. Require price transparency from all healthcare providers, especially doctors and healthcare organizations like clinics and hospitals. Individuals should be able to shop to find the best prices for procedures, exams or any other medical-related procedure.
6. Block-grant Medicaid to the states. Nearly every state already offers benefits beyond what is required in the current Medicaid structure. The state governments know their people best and can manage the administration of Medicaid far better without federal overhead. States will have the incentives to seek out and eliminate fraud, waste and abuse to preserve our precious resources.
7. Remove barriers to entry into free markets for drug providers that offer safe, reliable and cheaper products. Congress will need the courage to step away from the special interests and do what is right for America. Though the pharmaceutical industry is in the private sector, drug companies provide a public service. Allowing consumers access to imported, safe and dependable drugs from overseas will bring more options to consumers.
Full Health Care reform plan can be read here >>> Healthcare Reform
And those of us who didn't like Obamacare, and who wanted to involve the marketplace wanted to do away with much of the insurance market. Basically, use the tax expenditures of employer sponsored and Obamacare to GIVE people the money the employers will just keep under TrumpyourCare in the form of tax credits. Doctors and hospitals would be encouraged to advertise prices and success rates for procedures, and people could use their own judgment.Most of these recommendation have been around for years. Take for example removing barriers that keep insurance companies from operating across state lines. Currently 70% of health insurance companies do operate across state lines although none operates in every state. The number has increased since Obamacare which forced state regulators to take a backseat to federal regulations. There are a number of barriers that keep insurance companies within state lines, none of which are federal laws and regulation. State laws and regulations are still a major barrier. The only way the federal government can solve that problem is to usurp the power of the states to regulate insurance.What I really like is the emphasis on expanded Health Savings Accounts, and the shift in tax deductibility to individuals. Another excellent proposal is price transparency.
Congress must act. Our elected representatives in the House and Senate must:
1. Completely repeal Obamacare. Our elected representatives must eliminate the individual mandate. No person should be required to buy insurance unless he or she wants to.
2. Modify existing law that inhibits the sale of health insurance across state lines. As long as the plan purchased complies with state requirements, any vendor ought to be able to offer insurance in any state. By allowing full competition in this market, insurance costs will go down and consumer satisfaction will go up.
3. Allow individuals to fully deduct health insurance premium payments from their tax returns under the current tax system. Businesses are allowed to take these deductions so why wouldn’t Congress allow individuals the same exemptions? As we allow the free market to provide insurance coverage opportunities to companies and individuals, we must also make sure that no one slips through the cracks simply because they cannot afford insurance. We must review basic options for Medicaid and work with states to ensure that those who want healthcare coverage can have it.
4. Allow individuals to use Health Savings Accounts (HSAs). Contributions into HSAs should be tax-free and should be allowed to accumulate. These accounts would become part of the estate of the individual and could be passed on to heirs without fear of any death penalty. These plans should be particularly attractive to young people who are healthy and can afford high-deductible insurance plans. These funds can be used by any member of a family without penalty. The flexibility and security provided by HSAs will be of great benefit to all who participate.
5. Require price transparency from all healthcare providers, especially doctors and healthcare organizations like clinics and hospitals. Individuals should be able to shop to find the best prices for procedures, exams or any other medical-related procedure.
6. Block-grant Medicaid to the states. Nearly every state already offers benefits beyond what is required in the current Medicaid structure. The state governments know their people best and can manage the administration of Medicaid far better without federal overhead. States will have the incentives to seek out and eliminate fraud, waste and abuse to preserve our precious resources.
7. Remove barriers to entry into free markets for drug providers that offer safe, reliable and cheaper products. Congress will need the courage to step away from the special interests and do what is right for America. Though the pharmaceutical industry is in the private sector, drug companies provide a public service. Allowing consumers access to imported, safe and dependable drugs from overseas will bring more options to consumers.
Full Health Care reform plan can be read here >>> Healthcare Reform
Increasing competition between insurance companies will have little effect on healthcare cost because the profit margin of health insurance companies are typically 4% to 5% and insurance companies have never been successful at forcing lower cost on providers. The real cost is delivering healthcare, not insurance.
Still paying $695 person/$2085 family is lot a pay for nothing. Waiting till you get sick to sign up for healthcare is not a good idea because you can only sign up for health insurance during open enrollment, usually about a one month period. I certainly would not want to have to deal with a serious heart problem, cancer, or accident for up to a year with no insurance.The schedule for the penalties maxed out in 2016, so we're already at that point (2.5% of household income maximum per person yearly cost of a "bronze" plan or $695 per adult/$347.50 for children under 18 whichever is higher, maximum $2,085 ), and the situation with respect to the balance in the risk pools appears to be getting worse not better, so apparently young, healthy people are either confident that they can circumvent the penalties OR are going to wait until they get sick to sign up OR they just don't want to bother with insurance (probably because the law and the red tape that surrounds it is so confusing that nobody in their right mind wants anything to do with it) and are opting instead to pay either the yearly cost of the "bronze" plan as a maximum penalty or the $695 person/$2085 family.You mean like what's happening under Obamacare RIGHT NOW?
You're forgetting that the penalty for NOT adhering to the mandate will soon reach the same amount as buying a HC policy.