RodISHI
Platinum Member
- Nov 29, 2008
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Part of the cost being driven up is the fault of the medical community too. Bad doctors and so much of the crap being sold should be put away but many times they aren't. Common sense should rule peoples minds but then once you are sick or hurt to the point that you need to go to a doctor your mind isn't in tip top shape so you must depend on someone else for help. I have seen so many things at this point that are utterly disgusting in the insurance, legal and medical fields I don't put much stock in any of them. When I started looking at FDA, EPA, plus the other agencies back in 2007 and what they have let get into the system for the sake commerce that is affecting peoples lives/health it infuriated me. Now in the past two years I learn that I suffered through surgeries that could have been prevented I am even more aggravated at the whole medical community and their insurance companies. If Congress and judges are going to continue giving the chemical companies, big pharma and big agra a free pass the people as a whole do not have much of a chance at staying healthy. If Congress is not willing to put the brakes on and clean up the whole what good does any of it do for the people to have them there in offices in DC or anywhere else in government to represent them?I do not think congress has any right to interfere with a person's choices involving the personal services industry. Insurance is a personal service supposedly offered by professionals. I agree that there needs to be an avenue for catastrophic medical coverage in certain situations. However, there again, who decides who qualifies and who does not. Will it be a dog chasing its own tail or a cat? Perhaps it should be a horse instead of a cow, regardless someone will pay big money and favors to line their own pocketbooks to be the one who decides who qualifies. If we start by cleaning up agencies like FDA, Codex Alimentarius Commission (CAC) and other agencies like this who are not only enabling but are aiding and abetting health problems for many that would be a good start.They need to be defunded along with all of the other agencies and programs that are doing totally unconstitutional crap. Medical care is a personal service. It is a personal choice as much as hiring a plumber because they do not know how to unplug their own toilet. Therefore they think someone else should be mandated to insure that the toilet gets unplugged. What caused the toilet to be plugged in the first place? Simple, hire a plumber to answer that question if they are not smart enough to figure it out for themselves but they have no right to bill someone else for their plumbing problems. If they can't afford a plumber then that is the time for them to start looking for someone in the building or the neighborhood to assist them.I heard an option just the other day, which is to pretty much leave the ACA in place but remove the federal mandate and allow states to opt out of the ACA. They can create their own exchanges and plans, and use federal Medicare/Medicaid money blocked for that purpose. It then falls to the states to devise their own solutions to the HC problem, and maybe that's the way it should be.
Maybe a state could enact a 1% sales tax to fund payments for the uninsured, I dunno. Maybe a state could create a health care union like a credit union that you pay a monthly fee to belong to and covers a family's medical expenses above a certain amount. Maybe a state creates a Physicians Assistants program where citizens without private insurance go for treatment first and get referred to more qualified medical providers as needed. Maybe we allow states to join together to create a joint healthcare coop of some kind. Maybe there are other ideas to try, in an attempt not only to provide healthcare to more people but also actually cut the costs of healthcare, which unfortunately seems to have been lost in the fight over HCI.
The only problem is that the ACA was 12 million words with more regulations and rules being added weekly as of 2013. I don't know if anybody has the capability of tallying how many pages, words, rules, regs, and requirements are included in it now. It would take an enormous knowledgeable law firm reviewing it full time to know what rules or regulations overlap, contradict each other, or even know what they all are. And the cost both to the individual person and the tax payer is climbing steadily.
But more importantly, if the Republicans pass legislation leaving Obamacare intact but allowing states to opt out of ALL of its requirements, that just provides fuel for the Democrats to say that the only reason Obamacare collapsed is because the Republicans removed the mandates. It will be the GOP's fault for decades.
I just heard commentary today that the CBO scoring for Obamacare missed the mark on the low side by some 200 to 300% So why would we assume they would do better with another large scale government program?
The IRS alone is reported to have created eight new agencies to just deal with Obamacare. According to Reuters, tens of thousands of employees have been added to the federal payroll just to administer the program.
I am pretty darn sure we can do better.
Giant octopus: IRS has 8 offices to enforce Obamacare
Obamacare Rollout Requiring Tens Of Thousands Of Workers: Analysis | HuffPost
I can't argue with your logic here though in truth a medical problem is far more likely to be a matter of life and death than a plumbing problem is likely to be. But then so is food, water, and shelter that the federal government doesn't presume to mandate for all.
I don't have a problem with the federal government putting together some kind of catastrophic medical coverage plan that would kick in once a low cost policy was capped, but people would need to buy into it just as they have to buy flood insurance and earthquake insurance when ordinary property policies don't carry those.
And for pre-existing conditions, states could set up assigned risk pools at a higher rate for hard-to-insure people. That way, those who take care of themselves and keep themselves healthy are not punished by those who don't or who through no fault of their own have an expensive medical condition.
Add competition so that the states cannot grant monopolies to a very few insurance companies and some reasonable tort reform plus medical savings accounts to cover the deductibles, and that really should get medical and insurance costs down to an affordable level.
Who qualifies for catastrophic medical insurance should be the same as those who qualify for catastrophic flood or earthquake insurance. If you want it you would have the option to buy it. I don't need either where I live but I could buy it if I wanted it just the same. Many/most mortgage companies require it before they will provide a loan to buy a house or other structures if you live in higher risk areas. It is purely voluntary, but it is available for those who need it.
And, because the standard homeowner's/business policy is not required to cover flood and earthquake damage, homeowner's/business insurance is affordable for everybody, both for those who live in high risk areas and those who do not.
That's how a government provided medical umbrella for catastrophic illness or accident should be.
You do have to buy flood and/or earthquake insurance before you know you will need it though. You can't wait until the damage has already occurred and then run out and buy a policy. That is the fallacy of requiring insurance companies to cover pre-existing conditions--the person can wait until he/she is already sick before buying health insurance. And because of that, the risk is not spread and that drives up insurance costs enormously.