I Thought Obamacare Was Going to Lower Costs?

[BlindBoo]

So why wasn't it fixed since 1973? Turn HMOs into "utilities" with government regulated prices and profits?

It has been "Fixed". Several times. Oh wait, I meant more like "Rigged" by the Foxes watching the Hen house.

 

[DonGlock26]

And? You still have tens of millions of people without healthcare.

As opposed to tens of millions who cannot afford Obamacare.

 

[Zincwarrior]

As opposed to tens of millions who cannot afford Obamacare.

Which means tens of millions are SOL regardless yes?

 

[sartre play]

We have had three administrations After OBAMA
WHAT have they done to improve Our health care situation?

 

[DonGlock26]

Which means tens of millions are SOL regardless yes?

Where can you donate to help them?

 

[beagle9]

Making money off of people’s misery.

How very Christian of us.

You Democrats destroyed the trust when you proceeded to rape the treasury of taxpayer funds for nefarious purposes that were in hopes to sucker low information dependents to keep voting Democrat.

We have had three administrations After OBAMA
WHAT have they done to improve Our health care situation?

Beat each other into the ground because of partisan politics that keeps their eyes off of the prize for the American people.

 

[DGS49]

The Affordable Care Act (aka, "Obama-Care") turned the very concept of "insurance" on its head, and "we" have yet to recover.

Insurance carriers make their money by predicting likely losses in groups of insured persons (and things) based on historical data. This is true of all insurance; it is legalized corporate gambling. If you are a 55-year old, obese smoker and want to get "term" life insurance, the insurance company will categorize you with other people with similar risk profiles and calculate the risk of you dying during the term of the policy. They employ actuaries to make those calculations. Same if you have a 17-year-old son to be added to the family car insurance policy. The insurance company analyzes the historical data for thousands of families with Yoot drivers, and calculates the risk that you will file a claim and what it will cost them.

The (un)Affordable Care Act, tells insurers that they may not "discriminate" against people with high-risk profiles. Hell, they cannot discriminate against people with KNOWN ASTRONOMICAL FUTURE COSTS! They must be rolled in with the people who are healthy, low risk clients, thus raising the premiums for everyone. This is why President Obama's "promise" that every family would realize a savings of $2,500 per year in health insurance premiums was a blatant lie.

Health insurers initially were horrified at this mandate, but then the Democrats, with a wink and a nod, assured them that they would be able to adjust their rates to remain profitable, even with these new mandates. The insurers took this to mean that there would essentially be no constraints on how much they could raise their rates, and as a result, changes that might have bankrupted them in a sane world, resulted in massive profits which continue to this day. So it is obvious why O'Care didn't lower health insurance rates, and the Democrats in Congress (it got not a single Republican vote, in either house) knew that most Americans get their health insurance through their employers and would not notice the rate increases as much as if they were paying for their insurance directly. Pity those who must do so.

And why haven't Trump and the Republicans come up with their own version of O'Care? Well, it's simple and it's complicated. First of all, the entirety of the Affordable Care Act is unconstitutional. Congress has no Article I power to get into the health insurance business or to tell that business what it must, and cannot do. Any replacement law would necessarily also be unconstitutional, and the R's have too many "Constitutionalists" in their ranks to get it done.

Just as important, the American people LIKE the part of ACA that guarantees people with expensive "pre-existing conditions" that they can get health insurance, and any Republican replacement law would have to provide for these people with some sort of Federal government backstop - can't expect the insurers to eat those losses - and that would require a "ton" of funding that is not now in the budget. The American public is paying that premium now, not the Feds. Republicans are reluctant to propose a new law that increases the deficit.

The traditional Republican "solution" prior to ACA was to facilitate inter-state competition among insurers (who now operate in each state independently, as required by state laws), give insurers the flexibility to tailor policies to the needs of different groups of policy holders, and push "tort reform," to protect the healthcare industry from astronomical malpractice judgments. But again, that's a State issue and it would be of questionable constitutionality. But I think that train has left the station.

Resolving this now would require a great deal of effort from the Administration and the R's in Congress, and it manifestly COULD NOT BE DONE before the '26 primary season, so "we" are stuck with what we have. If the D's take over Congress it is the end of the world, so this issue - large as it is - would be small potatoes to the Dem whores in Congress.

 

[beagle9]

The Affordable Care Act (aka, "Obama-Care") turned the very concept of "insurance" on its head, and "we" have yet to recover.

Insurance carriers make their money by predicting likely losses in groups of insured persons (and things) based on historical data. This is true of all insurance; it is legalized corporate gambling. If you are a 55-year old, obese smoker and want to get "term" life insurance, the insurance company will categorize you with other people with similar risk profiles and calculate the risk of you dying during the term of the policy. They employ actuaries to make those calculations. Same if you have a 17-year-old son to be added to the family car insurance policy. The insurance company analyzes the historical data for thousands of families with Yoot drivers, and calculates the risk that you will file a claim and what it will cost them.

The (un)Affordable Care Act, tells insurers that they may not "discriminate" against people with high-risk profiles. Hell, they cannot discriminate against people with KNOWN ASTRONOMICAL FUTURE COSTS! They must be rolled in with the people who are healthy, low risk clients, thus raising the premiums for everyone. This is why President Obama's "promise" that every family would realize a savings of $2,500 per year in health insurance premiums was a blatant lie.

Health insurers initially were horrified at this mandate, but then the Democrats, with a wink and a nod, assured them that they would be able to adjust their rates to remain profitable, even with these new mandates. The insurers took this to mean that there would essentially be no constraints on how much they could raise their rates, and as a result, changes that might have bankrupted them in a sane world, resulted in massive profits which continue to this day. So it is obvious why O'Care didn't lower health insurance rates, and the Democrats in Congress (it got not a single Republican vote, in either house) knew that most Americans get their health insurance through their employers and would not notice the rate increases as much as if they were paying for their insurance directly. Pity those who must do so.

And why haven't Trump and the Republicans come up with their own version of O'Care? Well, it's simple and it's complicated. First of all, the entirety of the Affordable Care Act is unconstitutional. Congress has no Article I power to get into the health insurance business or to tell that business what it must, and cannot do. Any replacement law would necessarily also be unconstitutional, and the R's have too many "Constitutionalists" in their ranks to get it done.

Just as important, the American people LIKE the part of ACA that guarantees people with expensive "pre-existing conditions" that they can get health insurance, and any Republican replacement law would have to provide for these people with some sort of Federal government backstop - can't expect the insurers to eat those losses - and that would require a "ton" of funding that is not now in the budget. The American public is paying that premium now, not the Feds. Republicans are reluctant to propose a new law that increases the deficit.

The traditional Republican "solution" prior to ACA was to facilitate inter-state competition among insurers (who now operate in each state independently, as required by state laws), give insurers the flexibility to tailor policies to the needs of different groups of policy holders, and push "tort reform," to protect the healthcare industry from astronomical malpractice judgments. But again, that's a State issue and it would be of questionable constitutionality. But I think that train has left the station.

Resolving this now would require a great deal of effort from the Administration and the R's in Congress, and it manifestly COULD NOT BE DONE before the '26 primary season, so "we" are stuck with what we have. If the D's take over Congress it is the end of the world, so this issue - large as it is - would be small potatoes to the Dem whores in Congress.

Otherwise the act was designed to run the private insurance companies out of business if they didn't decide to work with government on it's Healthcare policy, and therefore through non-compliance it is ushering in government run Universal Healthcare that will be run and controlled totally by government ???

 

[Nostra]

 

[merrill]

Increasing share of Americans favor a single government program to provide health care coverage

63% of U.S. adults say the government has the responsibility to provide health care coverage for all, up slightly from 59% last year.

www.pewresearch.org

 

[merrill]

National Nurses United urges passage of Medicare for All Act

Registered nurses with NNU are reaffirming their support for the Medicare for All Act, following the bill’s reintroduction in Congress today by Sen. Bernie Sanders (I-Vt.) in the U.S. Senate and Rep. Pramila Jayapal (D-Wash.) and Rep. Debbie Dingell (D-Mich.) in the U.S. House of Representatives.

www.nationalnursesunited.org

 

[Nostra]

Dimwingers: Trump, please fix our Barrycare clusterfuck. It’s not affordable.

 

[Nostra]

Which means tens of millions are SOL regardless yes?

Why did Barry Hussein lie about it being affordable?

 

[beagle9]

Why did Barry Hussein lie about it being affordable?

Barry figured that he would make the working class foot the bill, and then he would subsidize it for the poor by way of forcing the working class to pay for it regardless of them using it for themselves, and this by way of a tax that forced everyone to have Healthcare insurance or pay a fine/tax for not having Healthcare insurance. What a disaster it all has been.

There is a way to make Healthcare affordable again for everyone, but what the Democrats did was absolutely the wrong way to go about it.

Everything the Democrats do seems to have some sort of used car salesman hustle and shadyness to it. Are they just corrupt to the core at everything they attempt to do one wonders ??

 

[Nostra]

Why did Barry Hussein lie about it being affordable?

: crickets: from Zincwarrior

 

[Zincwarrior]

Where can you donate to help them?

Says a Boomer ***** on Medicare.

 

[DonGlock26]

Says a Boomer ***** on Medicare.

Are you describing yourself?

 

[Nostra]

Says a Boomer ***** on Medicare.

Why is Barrycare unaffordable?

Cant blame Trump. Dimwingers own 100% if that clusterfuck.

 

[beagle9]

Says a Boomer ***** on Medicare.

At least it was earned instead of gotten free from the hands of the Democrats pushing dependency at every turn.

Don't ever accuse a patriot of sucking on the government teet where as rightfully he has accepted his earned benefits after year's of hard work and patriotism to his country.

You should be ashamed, but I digress.

 

[P F Tinmore]

Obamacare Is a corporate welfare scheme.