Yes, some ACA plans do allow for HSA's. Go to the site and check it out. As for the cost of insurance, I laugh at you guys who want to deny coverage to anyone who gets sick but does not understand that person may be you some day. The biggest thing I have to laugh about is that so many of you have so little understanding of how much health care really costs. You guys are just oblivious. This is why we need to have this conversation, so that at some point we can figure out how we are going to reduce those costs. Who the hell can afford $9000 per year? That's about what it costs for every single person. That means if you have a family of four, your burden on the system is $36,000 per year. Don't any of you understand how absurd that is?
Look at these numbers. The total cost per year per person is just under $9000 per year. For every single person living in the US, you need to multiply that times the 78 years that we are expected to live. That comes to $700,000 over a person's lifetime. To pay for that, the person would have to pay for it during their working years, so let's say 45 years. To pay that off in 45 years means paying over $15,000 per year during the 45 working years. Now, consider that we have ten to fifteen percent or more of the population who never really work or are only able to work a limited number of years, and all of a sudden, the cost jumps even higher. These numbers are mind boggling, but you don't know how anyone can afford a $5000 deductible, and you are against universal healthcare even if it would cut our costs in half.
If you would ever take a serious look at the numbers, you would have a better understanding of why we need to make some drastic changes. This is completely unsustainable but a lot of you want to take us back to a time when if you couldn't afford it, you just died at home of something that was easily curable.
The operative being "some"...
Universal health insurance would cut our costs in half....How?
The money HAS to come from somewhere. The cost to treat, cost to produce new medicines, new technologies, cost to educate, cost to build ...etc...All costs continue to rise. The thought that the cost( price) to consumers would remain stagnant is unrealistic.
Therefore prices to consumers MUST rise accordingly.
The control of 'cost' in ACA is a myth.
ACA is a temporary price control mandated by government.
Check your history. In all instances where government attempted price controls, the ultimate result was disaster.
The first sign in these situations was the mandating of rationing. If wages for medical professionals are to be controlled, then fewer people would find it feasible to go to medical school because their earnings would not cover the cost of education and insurance. Obviously this would create a shortage of medical professionals. As with Canada, the US would have to import doctors and other specialists from overseas. No one could guarantee the quality of their education and qualifications.
If for example, government mandated price controls on gasoline and the consumer did not pay enough so that the price covered the cost to produce, the producer would have to ration its product in order to control costs. The second reaction is a shut down or production because it is cheaper to cease production rather than suffer financial damage that the price controls cause.
The same thing would occur with medical equipment companies, pharmaceutical companies and all others tied to the health industry.
Government can sustain price controls for only so long.
especially the nurse!
