So how many of you are cool with adding $353 billion to the deficit?
- Thread starter Arianrhod
- Start date
Toddsterpatriot
Diamond Member
I was just pointing out you can't read. Forbes? LOL!
Wasn't trying to, not going to, I made a simple statement, you misinterpreted what I was saying and ran with it, the wrong way. Now it appears you expect courtesy where you refused to give it. Hypocrite much?
Still don't get it do ya, not surprising. Hacks are always like that. Oh well.
Arianrhod
Gold Member
- Jul 24, 2015
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- #67
Is that another question? It also needs proper punctuation.
Oh, I get what you're playing at. You're another garden-variety troll who thinks he's just the cleverest thing. Comparatively speaking, in this forum, anyway, you may be right.
Whatever helps you sleep at night Sparkette......
doctordog
Senior Member
- Aug 18, 2015
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LIFE + MONEY
Americans Have Insurance but Can’t Afford to Use It
Americans Have Insurance but Can’t Afford to Use It
Americans Have Insurance but Can’t Afford to Use It
Americans Have Insurance but Can’t Afford to Use It
doctordog
Senior Member
- Aug 18, 2015
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Dilemma over deductibles: Costs crippling middle class
RATHER THAN PAY SO MUCH OUT-OF-POCKET, MANY SKIP CHECKUPS, SCRIMP ON CARE
EMPLOYEES' DEDUCTIBLES BALLOON TO 80%
Physician Praveen Arla is witnessing a reversal of health care fortunes: Poor, long-uninsured patients are getting Medicaid through Obamacare and finally coming to his office for care. But middle-class workers are increasingly staying away.
"It's flip-flopped," says Arla, who helps his father run a family practice in Hillview, Ky. Patients with job-based plans, he says, will say: " 'My deductible is so high. I'm trying to come to the doctor as little as possible. … What is the minimum I can get done?' They're really worried about cost."
It's a deep and common concern across the USA, where employer plans cover 60% of working-age Americans, or about 150 million people. Coverage long considered the gold standard of health insurance now often requires workers to pay so much out-of-pocket that many feel they must skip doctor visits, put off medical procedures, avoid filling prescriptions and ration pills — much as the uninsured have done.
A recent Commonwealth Fund survey found that four in 10 working-age adults skipped some kind of care because of the cost, and other surveys have found much the same. The portion of workers with annual deductibles — what consumers must pay before insurance kicks in — rose from 55% eight years ago to 80% today, according to research by theKaiser Family Foundation. And a Mercer study showed that 2014 saw the largest one-year increase in enrollment in "high-deductible plans" — from 18% to 23% of all covered employees.
Meanwhile the size of the average deductible more than doubled in eight years, from $584 to $1,217 for individual coverage. Add to this co-pays, co-insurance and the price of drugs or procedures not covered by plans — and it's all too much for many Americans.
Holly Wilson of Denver, a communications company fraud investigator who has congestive heart failure and high blood pressure, recently went without her blood pressure pills for three months because she couldn't afford them, given her $2,500 deductible. Her blood pressure shot so high, her doctor told her she risked a stroke.
And LaRita Jacobs of Seminole, Fla., who gets insurance through her husband's job and has an annual family income of $70,000, says $7,500 a year in out-of-pocket costs kept her from dealing with an arthritis-related neck problem until it got so bad she couldn't lift a fork. She's now putting off shoulder surgery.
"How did we get to this crazy life?" asks Jacobs, 54. "We're struggling to pay our bills like we were struggling when we first got started."
Why is this happening? Many patients and doctors blame corporate greed — a view insurers and business leaders reject. Some employers in turn blame the Affordable Care Act, saying it has forced them to pare down generous plans so they don't have to pay a "Cadillac tax" on high-cost coverage in 2018. But health care researchers point to a convergence of trends building for years: the steep rise in deductibles even as premiums stabilize, corporate belt-tightening since the economic downturn and stagnant middle-class wages.
http://www.usatoday.com/story/news/...e-to-pay-for-care-despite-insurance/19841235/
RATHER THAN PAY SO MUCH OUT-OF-POCKET, MANY SKIP CHECKUPS, SCRIMP ON CARE
EMPLOYEES' DEDUCTIBLES BALLOON TO 80%
Physician Praveen Arla is witnessing a reversal of health care fortunes: Poor, long-uninsured patients are getting Medicaid through Obamacare and finally coming to his office for care. But middle-class workers are increasingly staying away.
"It's flip-flopped," says Arla, who helps his father run a family practice in Hillview, Ky. Patients with job-based plans, he says, will say: " 'My deductible is so high. I'm trying to come to the doctor as little as possible. … What is the minimum I can get done?' They're really worried about cost."
It's a deep and common concern across the USA, where employer plans cover 60% of working-age Americans, or about 150 million people. Coverage long considered the gold standard of health insurance now often requires workers to pay so much out-of-pocket that many feel they must skip doctor visits, put off medical procedures, avoid filling prescriptions and ration pills — much as the uninsured have done.
A recent Commonwealth Fund survey found that four in 10 working-age adults skipped some kind of care because of the cost, and other surveys have found much the same. The portion of workers with annual deductibles — what consumers must pay before insurance kicks in — rose from 55% eight years ago to 80% today, according to research by theKaiser Family Foundation. And a Mercer study showed that 2014 saw the largest one-year increase in enrollment in "high-deductible plans" — from 18% to 23% of all covered employees.
Meanwhile the size of the average deductible more than doubled in eight years, from $584 to $1,217 for individual coverage. Add to this co-pays, co-insurance and the price of drugs or procedures not covered by plans — and it's all too much for many Americans.
Holly Wilson of Denver, a communications company fraud investigator who has congestive heart failure and high blood pressure, recently went without her blood pressure pills for three months because she couldn't afford them, given her $2,500 deductible. Her blood pressure shot so high, her doctor told her she risked a stroke.
And LaRita Jacobs of Seminole, Fla., who gets insurance through her husband's job and has an annual family income of $70,000, says $7,500 a year in out-of-pocket costs kept her from dealing with an arthritis-related neck problem until it got so bad she couldn't lift a fork. She's now putting off shoulder surgery.
"How did we get to this crazy life?" asks Jacobs, 54. "We're struggling to pay our bills like we were struggling when we first got started."
Why is this happening? Many patients and doctors blame corporate greed — a view insurers and business leaders reject. Some employers in turn blame the Affordable Care Act, saying it has forced them to pare down generous plans so they don't have to pay a "Cadillac tax" on high-cost coverage in 2018. But health care researchers point to a convergence of trends building for years: the steep rise in deductibles even as premiums stabilize, corporate belt-tightening since the economic downturn and stagnant middle-class wages.
http://www.usatoday.com/story/news/...e-to-pay-for-care-despite-insurance/19841235/
Arianrhod
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- #71
What doctordog means is "Americans who went cheap with the bronze plan are now bitching about deductibles."
As if five- and even ten-figure deductibles magically appeared under the PPACA, instead of being a fact of life for Americans for decades.
Premiums are based on income...unless you're unfortunate enough to live in one of those "We don't need no stinkin' insurance exchange" states, in which case, vote out your governor and legislature at the next possible opportunity.
Access is available to all Americans except those shackled to stupid state governments, or those too ignorant or stubborn to access the PPACA.
If you make a conscious choice to pay more for health insurance because "Obama is not the boss of me," you need to accept the personal responsibility for your stupid decision.
As if five- and even ten-figure deductibles magically appeared under the PPACA, instead of being a fact of life for Americans for decades.
Premiums are based on income...unless you're unfortunate enough to live in one of those "We don't need no stinkin' insurance exchange" states, in which case, vote out your governor and legislature at the next possible opportunity.
Access is available to all Americans except those shackled to stupid state governments, or those too ignorant or stubborn to access the PPACA.
If you make a conscious choice to pay more for health insurance because "Obama is not the boss of me," you need to accept the personal responsibility for your stupid decision.
Arianrhod
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- #72
P.S. The PPACA will not be repealed, no matter how many times your Republican senators try. The next time you want to chant "Congress is useless; they don't do ANYTHING," try to remember how much time and effort they've devoted to this dog and pony show instead of doing some real work.
doctordog
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The articles clearly articulate the ACA forced many employers offering great plans into offering HDHP plans which if Arianasshole had taken time to READ would have been relized instead of the stupid dumbass shit he has written above.
doctordog
Senior Member
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We remember when Obama had Pelosi and Reid and the only thing accomplished was this ruthless attack on the middle class
Arianrhod
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- #75
Actually, what it did was to motivate unethical employers, who consider their employees as expendable cogs whom they haven't figured out how to outsource to China, into ditching their insurance plans and saying "Don't look at me. I blame Obama."
doctordog
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You dumbass, we tax corporations harder than any civilized country in the world and the dumbass from Kenya thinks they will pay more to support people that won't lift a finger to help themselves.
doctordog
Senior Member
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In today’s globalized world, U.S. corporations are increasingly at a competitive disadvantage. They currently face the highest statutory corporate income tax rate in the world at 39.1 percent. This overall rate is a combination of our 35 percent federal rate and the average rate levied by U.S. states. Corporations headquartered in the 33 other industrialized countries that make up the Organization for Economic Cooperation and Development (OECD), however, face an average rate of 25 percent. Even corporations in high-tax European countries such as Belgium (34 percent), France (34.4 percent), and Sweden (22 percent) face much lower rates than those in the United States. Our largest trading partners—Canada, Japan, and the United Kingdom—have each cut their corporate tax rates over the past few years to become more competitive.
The U.S. Has the Highest Corporate Income Tax Rate in the OECD
doctordog
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