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Right so you are against government subsidizies that do not benifit you, but are for them when they do,
I understand that totally
Health care is NOT a right. It is an option. In my plan there are "Tiers" of health insurance. NO ONE is required to purchase health care insurance, and there are no fines if you do not.
Tier 1: Public Option: this option is offered by the government at prices competitive with private insurance, or at low cost for those who have problems with affordability based on eligibility. It would be paid for through an additional tax called the "HC" tax. Folks who do not want this option, can opt out, and will either get a tax rebate for the "HC" amount, or will simply not be required to pay it, which ever is more efficient.
Tier 2: Private Option: for those who opt out of the public option. Folks can pay for private insurance, or accept their company's insurance options.
Exemptions: Under no circumstances can any illegal alien receive any kind of health insurance, public, private, or Medicare/Medicaid.
Cost offset: This is the radical, yet cornerstone of my plan. If you opt out of the public option, and do not purchase a private plan, if you get ill, you MUST pay out of pocket. Under NO circumstances will the government subsidize your treatment. NO EXCEPTIONS... catastrophic illness, accident, children... NO EXCEPTIONS. The options will be there and will be affordable. You chose not to take one of them, you lose. No physician or hospital will be under any obligation to treat anyone with no ability to pay. They MAY if they choose, but they can also "opt out".
Although inflation in insurance premiums has moderated in recent years, the Kaiser survey found that employees were continuing to spend more in medical costs, including their share of yearly insurance premiums. Employees are paying an average of $3,354 in premiums for family coverage, more than double the amount they paid in 1999. The total cost for family coverage now averages $12,680 a year, up 5 percent from 2007.
And as people are paying more, they are finding the higher expense less affordable. In the study by the nonpartisan Center for Studying Health System Change, based on its national survey of households, nearly one of every five families had problems paying medical bills last year. More than half of these families said they borrowed money to pay these expenses, and nearly 20 percent of those having difficulty said they contemplated declaring personal bankruptcy as a result of their medical bills.
The study estimates that 57 million Americans live in families struggling with medical bills, and 43 million of those have insurance coverage. “It’s hitting both the insured and the uninsured, and it’s hitting middle-class families,” said Karen Davis, the president of the Commonwealth Fund, a nonprofit research organization that financed the study.
Because they are already in debt over their medical care, some families start forgoing treatments, even for serious or chronic conditions, Ms. Davis said. By deciding not to fill a prescription for high blood pressure medication or failing to go to the doctor for diabetes, they are at risk of incurring more serious and costly problems that can land them in the emergency room.
1) Major Tort Reform.
2) The ability to purchase health care across state lines to further stimulate competition.
3) Elimination of insurance company driven utilization review, putting all treatment decisions in the hands of the provider.
4) No pre-existing condition limitation.
5) Adult children can remain on parental health insurance until 26.
6) Centralized, independent organization reviewing/evaluating all health care insurers (including the public option) with the power to fine or even shut down.
These are broad strokes, of course, but you get the gist. The plan above should both please liberals with a public option and making health care affordable to everyone, and to conservatives with creating a system that requires personal responsibility and competition. I'd be happy to answer questions about this plan, and am open to some REASONABLE additions. If you just want to throw hysterical partisan hackery at me, don't bother responding to this post. Both HarryGurellia and LaMidRighter have seen parts or all of this and, if I recall correctly, liked what they saw.
It's a state by state law and has nothing to do with individual policies.
I never said otherwise.
Auto liability insurance protects others from your negligence. Health insurance protects only the person insured.
You actually think that people with pre-existing conditions can be added, along with "kids" under 26 without a corresponding rate increase.
Those are just two of the many causes of insurance rate increases that will come out of this bill. Even the CBO, using the faulty assumptions from Pelosi, said there would be rate increases.
Are you saying such a law forbids actuary accounting practices that determine risk, pricing, and sustainable cash flow necessary to "swap" risk? If so, can i see a source?
Research medical bankruptcy and its effect on pricing.
You are entering mucky waters. It all depends on the respective "pool" in which the policy is underwritten. Rate increases are primarily a function of declining cash flow used to swap (spread) risk. Being in a lower risk pool with a different policy mechanism does not face the same risk for declining cash flow (which lead to rate increases).
The CBO is about as accurate as the folks from the Mises institute. :shrug:
I'm saying that some states do not allow insurance companies to raise rates due to claims involving uninsured drivers when it's not the fault of the policyholder..
Has nothing to do with the topic.
Are you claiming that all these millions of extra people with expensive illnesses can be covered without raising premiums???
The CBO is very accurate when they are given accurate information. Pelosi had them use assumptions that were not even close to reality last week, so their numbers are inaccurate. Garbage in, garbage out.
Yay! My broke family has to pay extra for our medical insurance because my dad is considered "self employed." Plus I get to pay for your medical costs because higher interests on my student loans (thanks Obama) get to pay for your health plans through this billThanks Mr. President, I always wanted the government to make my financially hurting family pay more for health insurance and have higher student loan interest rates.
Access to medical insurance is "about to hit us".
I'm tired of seeing my husband suffer and watch his chronic illness go untreated and get worse and worse.
You think I really give a flying frap if the economy gets worse?
It's in the tank already.
I want my husband's health to get better.
I want my loved ones to have access to basic medical care.
Nothing like profiting off other people's misery!
Representative Dingle now says Obamacare will control people:
Breitbart.tv Shocking Audio: Rep. Dingell Says ObamaCare Will Eventually ‘Control the People’
...the motto of government.
or corporate america for that matter. Your signature is sophomoric by the way
Moderator's Warning: This thread has evoked more thread bans and more infractions than any thread in the history of DP. The posters that have already been eliminated, demonstrated that they were incapable of debating this topic with any civility or rationality. My suggestion to the rest of you is this. If you cannot debate this topic with civility and rationality, and feel that the only way you CAN is to either gloat, or whine, remove YOURSELF from the thread. You are doing NOTHING to help with your position, either pro- or con-. Take some responsibility for your own behaviors.
I find his signature rather humorous and apropos.
or corporate america for that matter.
Your signature is sophomoric by the way
I like his avatar better. Nice guitar. LOL.
:applaud:applaud:applaudHey, I have broken another DP record. I don't think I will ask for applause this time, though. :mrgreen:
A 2008 Charvel San Dimas Custom - Warren Demartini model. It rips.
Relax Digs... you're on the list. They'll get around to affordable college tuition reform in due time. Not soon enough, but much quicker than the obstructionists would.
I know, and if there is anything I support in the Democrat party it's their view of education (minus liberal propaganda). I do hope they make higher education affordable in a time when Americans need degrees. However, it's almost theft with how much universities are allowed to charge for an education.
That's because of artificial demand created by education grants and subsidized loans.
The universities know that as the government gives aid that they can charge more, it's not right. I don't know if giving the government the power to regulate university prices is a good thing, but it's definitely thievery on the universities part.
I agree and the quality of these schools is suspect to me.
My classes have been a joke so far.
I'm pretty happy with most of my classes. I like my university, but it's in the most liberal part of Nashville and they always have these "green" rallies and media matters speakers... Our Dean used to be the Dean of Pepperdine in CA, I hope he doesn't liberalize the school any further. It is supposed to be a Christian university too under the wing of a fairly conservative denomination.
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