'My health insurance is going up to $800 a month with a $15k deductible and that's the CHEAPEST PLAN"

[Slyhunter]

How so??

A.I. ill do all the work.
Do you need everything spelled out for you

 

[WorldWatcher]

1) Trump is the one who eliminated the tax penalty for people who don't get insurance, that's why the costs are shooting up.

2) I agree, they are. Because the Insurance Companies are greedy, and they know the government won't do anything to stop them.

3) Sure there's a solution. Single payer. Medicare for All.

4) The Free Market is what got us into this mess. You can't treat your health like a consumer good. You can choose to keep driving your old beater instead of getting a new car, or you can choose to eat ground beef instead of steak. You really can't choose "Dying" over "getting that needed treatment".

5) Most people can't afford to pay cash for health care treatments.

6) Why would a foreign country want to treat our people because we have a fucked up, greedy system? They've figured this out. They spend less, everyone is covered, they live longer, fewer of their babies die.

Or...

What if...

...... ...... ...... The government created a quasi-independent not for profit Health Insurance Organization?

...... ...... ...... ...... ...... ...... Call it something like "US Heath Insurance Service" (USHIS)

PREMISE:

• USHIS would be established as an indepented organization similar to the Post Office.
• USHIS would be not for profit.
• USHIS would be self-funded.
• USHIS could offer policies through the ACA (subsidized).
• USHIS could offer individual policies outside of ACA for individuals not qualifying for ACA.
• USHIS could offer group plans to employers and other groups (religious, union, trade, credit unions, etc.).
• USHIS could offer health, dental, vision, and long term care plans.
• USHIS could bid on contracts just, like other health insurance companies, for processing MediAid, MediCare, VA, and TRICARE claims processing.
• USHIS would have a board of governors appointed for staggered 6 year terms with: 3 Appointed by the Senate Majority Leader, 3 Appointed by the Senate Minority Leader, 3 Appointed by the Speaker of the House, 3 Appointed by the House Minority Leader, and 1 Appoinged by the President. (Total 15). The "Chairman" for the board would be selected from the pool of 15 members by the members themselves - not appointed by executive or legislative branch.
• Services would be scaled to regions (I don't know how many) and not a one-size fits all as different regions in the country have different cost of living and therefore different costs of providing care.

As a non-profit entity, it would not be beholden to shareholders.

It would would be open to offering group plans to employers (private small businesses, corporations, local/state/federal contracts, non-profit organizations, etc.) and would have to complete on a cost/efficiency basis with private for profit insurance companies.
Could such an organization:

1. Be competative?
2. Lower health care costs by removing for profit and being more efficient?

And remember, we are NOT creating a government bureaucracy, the intent is a non-profit, more effient system as an alternative to compete at scale.

Let the free market work by providing alternatives to the for-profit model.

WW

 

[berg80]

All of the requirements in the program made its fall inevitable

Not true. The concept was really very simple. The greater the number of blended participants in the plans, especially previously uninsured younger people who do not use their plans as often, the greater the chance for stable premiums at an affordable cost. Remember, the dual goals of the ACA were to insure more people (success) and slow health cost inflation (initially a moderate success).

 

[Invisibleflash]

Here is where a smidgen of socialism could work for the USA. Instead of squandering hundreds of billions of dollars on Ukraine and trillions of dollars on wasted garbage, our useless politicians could have given us a cheap, socialized healthcare plan; alongside with the standard healthcare we have in America. (The rich don't want socialized healthcare and the average person can't afford the system we have...so we need 2 systems.) People that can't afford America's unaffordable healthcare could get their appendix out before it bursts.

If they need a heart transplant, then go work 3 jobs and save up for 6 years to pay for it. The socialized plan would be for basics to keep it viable. But the American healthcare system is so greedy they don't want to lose a penny and would never accept a 2nd option. Plus, our politicians are absolute nincompoops and could never run a socialized healthcare system anyway.

 

[Winco]

Oh boo hoo the mooching sponges who want someone else to pay their health insurance bills are crying.

Buck Up Buttercup.

I pay for my own health insurance and don't need assistance.

In fact, the only known government tit suckers, here on USMB, are trump supporters.
Like ChristisKing the freeloader. <<<<< try getting on her ass for once.

 

[kyzr]

That is NOT what I said. So I'd appreciate it if you wouldn't try to put words in my mouth. There is little extra room because of the foot I periodically stick in there on my own. I've simply pointed out that the GOP cut a major revenue source which has exasperated the issue.

apologies. just trying to simplify.

Funny how a tax increase on US taxpayers - and yes a tariff is an import tax paid by consumers, is the end all.
Many things Trump has promised will be paid for by the tax increase - DOGE check, $1776 check to the military, border funding, tax cuts (which mostly benefit the wealthy), Farmer Aid, etc. Tax more and then buy votes, the DEM model. WW

We only pay the tariff/tax if we buy imported goods, so it is avoidable...and yes, Trump is proposing to spend that $300b tariff windfall several times over. Except there is no DOGE check, or tariff rebate...yet. Border funding is paid for by the new Remittance Tax, so Mexico is paying for the wall. Tax cuts are not new, they have been extended.
I'd like to see a 40% top tax rate, and the elimination of the capital gains tax loophole to raise revenue to pay the $1.1T interest on the $38T debt and cover that $280b annual deficit.

 

[Crepitus]

Comments...
1. Thanks, Obama, for absolutely nothing.
2. Health Insurance costs are out of control.
3. There is no solution, Democrat, Republican, or Trumpian
4. The only solution is the free market. The costs have gotten so out of control, and out of the realm of reality, that the suggestion here is to not buy the policy to begin with. This "insurance" doesn't guarantee health, or longevity. We are all going to die regardless.
5. Pay cash instead
6. Think outside the box. Fly to foreign countries for healthcare if needed.

The system has failed, the politicians have failed. We are responsible for ourselves at this stage.

Can't really blame that on Obama.

I mean I know you kids really don't want to own this but I think you're gonna have to.

Everyone knows who had the opportunity to do something about this and didn't.

 

[DonGlock26]

A.I. ill do all the work.
Do you need everything spelled out for you

It may do all the work for the elites. The average Joe will just be SOL.

 

[DonGlock26]

Your condition is terminal.

Sucks to be you.

Is that some "survival of the fittest" talk coming from the Left?

I'm not homeless.

 

[berg80]

This alternative looks interesting.

Money Alone Can't Fix the ACA. Here's How to Cover Everyone Without Increasing Costs. - December 3, 2025 - USC Schaeffer

Health insurance does not need to offer everything to everyone, but it should be a backstop for everyone. - December 3, 2025

schaeffer.usc.edu

But it doesn't address the key, long term problem. Medical cost inflation.

 

[DonGlock26]

Your condition is terminal.

You sound like the Canadian socialized healthcare system. Go home and die.

 

[CrazyTrader55]

Gaslighting at work again.

Republicans are like people who use candles to light their Christmas tree. But only after they doused the thing in gasoline. Just so they can blame the fire department for not putting out the fire they caused.

My question is who you think you're convincing here? The decade long fight of the GOP is well documented, including the refusal to extend the subsidies that caused the premiums to go up.

Granted the American population seems to have a bad memory but this is something that's been put front and center more than enough.

Economics isn't your strong point.

 

[DonGlock26]

We can afford national healthcare because it’s far cheaper than what the US currently spends. Even when our defense budget was much higher, we could have done it. A few percentage points less on defense wouldn’t suddenly collapse a system we already proved we could run.
As for debt: the US itself carries massive debts, and a significant portion of our current problems stem from US banks and ratings agencies selling junk mortgages to European banks, which then needed bailouts. That’s not progressive failure, it’s mismanagement and exploitation within global finance. BY AMERICAN BANKS.

If you are broke, you can't afford it. Your reasoning is why your nation is broke.
The US is broke as well because of the same type of democratic socialism mentality.

 

[SassyIrishLass]

LoL and the left loons bought it

Obama now claiming that Obamacare is cheaper than your cell phone AND your cable bill combined

As part of his healthcare reform pitch to young Americans, President Barack Obama has repeatedly claimed that buying Obamacare will be cheaper than a

www.washingtonexaminer.com

 

[CrazyTrader55]

Because Republicans got rid of the individual mandate, which was the mechanism that kept premiums low by keeping healthy people in the pool.

Explain when "premiums were low".

 

[DukeU]

That's literally, their ******* job

What exactly?

 

[JoeB131]

You sound like the Canadian socialized healthcare system. Go home and die.

Nataline Sarkisyan was told to go home and die, too.

Because Cigna wanted bigger profits.

 

[Admiral Rockwell Tory]

No. its not. Look at lasic eye surgery and chiropractic care as two examples. Keep government/insurance out, and the prices will go down.

Lasik.

Lasics is a diuretic medication.

 

[dblack]

Republicans have done everything in their legislative power to destroy the Affordable Care Act, and you numbnuts cheered.

Nonsense. They've had numerous opportunities to repeal it. They haven't even tried.

The truth is, Rs in Congress like ACA, and the extra power it affords them, just as much as Ds.

 

[Dorian Mode]

You're funny Dorian. I'm giving you specific costs that drive up prices. This from someone who actually knows what he's talking about. And you're response is culture war BS.

Why is that? What's so scary about actually talking about the specifics of healthcare that you feel unable to discuss? It's like there's some tilt button when you're asked to think beyond talking points.

You're not saying anything new, you are just refusing to realize that politics in the US created the problems that now exist. A wise man once said you cant fix problems with the same thinking that created the problems. Asking the US Government to fix its problems is an exercise in stupidity. There is no culture war, there are two parties who no longer want to work together, at all, to resolve the country's problems. I've seen enough corruption being revealed in just the last year that tells me the US government is dysfunctional and shouldn't be in charge of anything important. Have you heard of the Somalia Scandal? Most importantly, I've come to realize that most of America's problems came about because of the democraps. Since 2008 they have gone overboard with corruption and bad policies meant to enrich the democrap elite. If they want UHC, they have to cut their overwhelming corruption.