Nearly 13 years old the ACA has proven GOP dead wrong... again, again, and again.

[otto105]

At the time the high deductible I took as a replacement was slightly cheaper than the PPO I used to get, but only slightly. They gave you the carrot of an HSA that the company matched up to $1500, but that got lower and lower as time went on.

But I went from a $500 deductible to $2500, and before I hit 40 or so, I never came close to $2500.

Any high deductible HC policy before the PPACA was really just a term life policy for you.


After the passage of the PPACA that changed to actual HC.

 

[dblack]

Any high deductible HC policy before the PPACA was really just a term life policy for you.


After the passage of the PPACA that changed to actual HC.

Utter nonsense. Before ACA, I worked for a company that offered the option. Each year they would pay for insurance with a $5000 yearly deductible and fund a $5000 HSA to cover the deductible. Overall the coverage was as good or better than the typical policy, but it saved the company money and, if you didn't deplete the HSA on the deductible, the money was yours to keep.

After ACA, the same policies cost twice as much, and they could no longer afford to cover the deductible with the HSA funding. Thanks Obama!

 

[otto105]

Utter nonsense. Before ACA, I worked for a company that offered the option. Each year they would pay for insurance with a $5000 yearly deductible and fund a $5000 HSA to cover the deductible. Overall the coverage was as good or better than the typical policy, but it saved the company money and, if you didn't deplete the HSA on the deductible, the money was yours to keep.

After ACA, the same policies cost twice as much, and they could no longer afford to cover the deductible with the HSA funding. Thanks Obama!

Fake news

 

[dblack]

Fake news

Are you saying I'm lying? I'm not. That was exactly what happened. ACA did away with the kind of insurance that made the most sense. Because it didn't make insurance companies the most money.

 

[otto105]

Are you saying I'm lying? I'm not. That was exactly what happened. ACA did away with the kind of insurance that made the most sense. Because it didn't make insurance companies the most money.

prove it

 

[dblack]

prove it

Nah. We're not in court, and I have very little to gain in convincing you of anything. It happened though, and it's all I need to know you're full of shit. Catastrophic plans were working fine before ACA. They saved people a lot of money. Which is why they had to go.

 

[otto105]

Nah. We're not in court, and I have very little to gain in convincing you of anything. It happened though, and it's all I need to know you're full of shit. Catastrophic plans were working fine before ACA. They saved people a lot of money. Which is why they had to go.

No, they fleeced customers with some thoughts of coverage.

 

[dblack]

No, they fleeced customers with some thoughts of coverage.

Well, I was very happy with the "fleecing". But liberals love forcing their preferences on others and pretending "it's for their own good". Fuck you very much!

 

[otto105]

Well, I was very happy with the "fleecing". But liberals love forcing their preferences on others and pretending "it's for their own good". Fuck you very much!

So, you never had a claim.

Okay dblack, you paid for what?

 

[JustAGuy1]

1. I just showed you that overall health expenses continued to go up at the same rate they did BEFORE the ACA. That includes ALL COSTs. Show me something different. Again, sure they went up, just like they do every year. But ACA has not made it worse.
2. Yes death panels were made up by the GOP.. not overhyped… made up.
3. Out of pocket max is about $8k which happens to you if you get epically sick. $8k for a heart attack recovery is a good deal. HOWEVER that is no more of a rate increase than pre Obama. It’s a straight line.

I have shown you, you just don't like it.

2. Yes death panels were made up by the GOP.. not overhyped… made up.
3. Out of pocket max is about $8k which happens to you if you get epically sick. $8k for a heart attack recovery is a good deal. HOWEVER that is no more of a rate increase than pre Obama. It’s a straight line.

Over hyped. Family Max is 17600.00 on the most popular plans, the Bronze Plans. . That is much higher than pre ACA. If you can't afford 8K it isn't a "good" deal son.

 

[JustAGuy1]

No shit. Welcome to America. It hasn’t gone up extra from the ACA. There are more aggressive options to limit healthcare costs if GOP was open but they are in big pharma and big healthscare pockets.

Your ignorance of the reality is duly noted.

 

[JustAGuy1]

Is healthcare about lowering costs or providing care?

Let’s start there.


Balls in your court

Chicken butt.



Loser

Read the thread, try understanding the context of the dialogue.

 

[JustAGuy1]

Obama reduced the number of uninsured people who might be sitting next to you by 20M without one Republican supporting that idea. That uninsured person will get a bill they cannot pay which will end up in collections and ruin their credit and life. We need coverage options for everyone. Good news is we are down to 8% from 18% uninsured.

I’m open to more aggressive coverage options if you got them.

The family who ends up owing that 17600.00 will end up in collections moron.

 

[dblack]

So, you never had a claim.

Okay dblack, you paid for what?

Ahh... this is funny. This is what so many of you don't get. You think if you don't "use" insurance, it's a ripoff.

That's how insurance is supposed to work. It's supposed to be for unforeseen calamities - something you hope won't happen, insurance is something most policyholders will never use. It's not meant to be means of financing normal living expenses. It's supposed to be a hedge against risk.

But we've come to see health insurance, quite irrationally, as a way to make healthcare more "affordable", when in fact it does the opposite. It drives prices higher and higher, requiring (in the eyes of those convinced that insurance is the answer) more and more insurance.

That isn't a viable model, of course, which is why the insurance industry looked to the government to solve their conundrum. With ACA they have essentially established themselves as a public utility, complete with guaranteed customers and guaranteed profits.

 

[citygator]

The family who ends up owing that 17600.00 will end up in collections moron.

Free market. If you are for a socialist solution I'll listen but that isnt acceptable for GOP lovers. At the end of the day ACA has provided a better coverage level without increasing costs more than it was already increasing. There is no solution other than to let the market charge what it will bare or socializing it to some degree. We are currently simply pooling risks to provide coverage to people who wouldnt be able to get it.

 

[Greenbeard]

The ACA did nothing to bring down health care costs. They are higher now than ever. In order to make the ACA effective, subsidies had to be increased, added on to our 30 trillion dollar debt, which increases inflation and the prices ALL Americans pay for everything, including food at the grocery.

The ACA ushered in the lowest era of health care cost growth on record. That's why its new spending ended up costing hundreds of billions of dollars less than predicted, and why its Medicare savings ended up being hundreds of billions of dollars more than expected. Thirty percent of the long-term budget projection for spending on major health programs has melted away since the ACA passed, even though two new major health programs were created by it. Before the pandemic hit, health spending as a share of GDP had barely budged since the passage of the ACA (the first decade where that's ever happened), even as 20+ million people gained coverage.

In reality, it's a pretty remarkable story.

 

[dblack]

The ACA ushered in the lowest era of health care cost growth on record. That's why its new spending ended up costing hundreds of billions of dollars less than predicted, and why its Medicare savings ended up being hundreds of billions of dollars more than expected. Thirty percent of the long-term budget projection for spending on major health programs has melted away since the ACA passed, even though two new major health programs were created by it. Before the pandemic hit, health spending as a share of GDP had barely budged since the passage of the ACA (the first decade where that's ever happened), even as 20+ million people gained coverage.

In reality, it's a pretty remarkable story.

Hey! Long time no see. How's the shilling going?

 

[Greenbeard]

Hey! Long time no see. How's the shilling going?

Still whining about your deductible instead of paying it like an adult, I see!

 

[dblack]

Still whining about your deductible instead of paying it like an adult, I see!

Yes. I need to bend over like a good "adult" and take one for the team - the "team" being your precious insurance industry.

Fuck you, whore.

 

[Greenbeard]

Yes. I need to bend over like a good "adult" and take one for the team - the "team" being your precious insurance industry.

Fuck you, whore.

Bernie Bros everywhere these days.