what if the states are making choices that are bad for people, and negatively hurting our country as a whole.
and even if they have the right to make the choice, why are they making choices that hurt people. those stats i posted were the reasons why the system needed to change.
Again, that is the choice that is...by right and by the Constitution...that is being made by the State. The people of that State are the ones to decide if those choices are bad or not...not the federal government. The same goes for individuals who make their own personal choices.
Now, you might contend that those stats show reasons why the system needs to change, but I see them as examples of the States being able to decide for themselves...instead of the federal government stepping in and taking such choices away from everyone.
since the costs of the health care system affect the nation as a whole, i think health insurance is no longer a issue of the individual states but to federal government
What?
So I will be paying more to my insurance company for my health care plan so that they don't have to pay as much? Is that really what you are saying?
Well, I'm confused as to what you're saying. People will be paying more for an Obamacare policy than a straight $5,000 deductible because Obamacare will cover more than the old one. Coverage many people don't want. Obamacare policies will cover exams and wellness visits theirs didn't cover . . . as well as, importantly, paying for people with pre-existing conditions and no lifetime caps. The old policies didn't work that way.
I'm sorry but that's the definition of insurance. Healthy people's money goes towards sick people's claims. And when you get sick, it will work out for you also. If everyone was always healthy we wouldn't need insurance and if everyone was always sick no one would sell insurance.
Buying insurance through the exchange is no different than signing up for a policy through your employer where they accept all employees. The insurance company creates an average price and that's what you get.
But in your post you said you are "paying for everyone else", you made no distinction of pre-existing conditions. I thought you were trying to make the argument that I pay more on my insurance premiums and that goes towards the subsidies that people are receiving, which would be false.
I might have misunderstood you.
You're sort of right about "that's how insurance works." It's not exactly right in the case of Obamacare, however. Historically, insurance premiums are kept lower by excluding pre-existing conditions. Obamacare, on the other hand, allows people to buy insurance after they've had a devastating diagnosis. All they have to do is wait for the enrollment period, and they're covered for future bills. Kind of like buying car insurance after you've already wrecked your car. We're going to find that model unsustainable, in my opinion.
Only individual insurance premiums have excluded pre-existing conditions. If you get your insurance through your employer that is not the case. At least it wasn't with my wife. Insurance companies work out a deal with the employer. You give us all your employees as customers and we won't deny any of them. Every place that my wife and I have ever worked at was like this, but I'm sure it could possibly be different at a few places.
But that's the point. They can accept those people with pre-existing conditions because they are also picking up all those healthier people. And that is why we have the mandate in ObamaCare. The insurance companies are going to pay out a little bit more for sick people that sign up, but they are going to have alot more customers too.
You're absolutely right. Group policies pick up everyone. Mine has always been individual since I'm an entrepreneur. Without the mandate, Obamacare would collapse in short order. That is also the reason I believe penalties will ratchet up rapidly. Until they're meaningful, we're going to have tens of millions of people willing to pay the fine.
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