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2012-06-29 2:35 PM
in reply to: #4287306

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Subject: RE: ACA Individual Mandate Struck Down!
gearboy - 2012-06-29 2:25 PM
tuwood - 2012-06-29 12:54 PM
spudone - 2012-06-29 11:27 AM

NXS - 2012-06-29 9:20 AM Just wait until the 500 billion in medicare cuts start kicking in.  Bottom line is this, we are 16 trillion in debt and cannot afford ACA or just about anything else for that matter.  It just amazes that people feel its fine to borrow money from China or where ever just because they believe someone else should pay for their healthcare.

It continues to amaze me how people who are against the ACA:

a) scream loudly about the individual mandate and
b) then go on to tell us how this law will bankrupt us, even though it's bringing everyone into the payment system.

It's the OLD system that was spiraling out of control with costs.  Whether the new law brings in enough additional revenue / controls enough costs remains to be seen.

On the surface bringing everyone into the payment system sounds very good.  However, lets just say you take a random 20 something person today whose health insurance would cost them $500/mo. out of pocket (just making up a number).  This price is determined by the insurance company who has determined the cost is necessary for them to cover their expenses and make some profit for their shareholders.

Now you insert the government who is going to charge that same person less than $100/mo. for coverage and oh btw, because they're poor we'll give them a credit so they really don't have to pay anything.  Plus, the many hundreds (or thousands) of Dem friendly companies are getting waivers from the taxes and requirements (politics as usual) add up to what I reckon will be a huge deficit for this program.

I agree that on the surface, if you force everyone to purchase insurance (even if it were all through private insurance companies) it would reduce the overall premiums because you'd have more healthy people on the insurance.  But I think the way our politicians do math they exempt (or drastically reduce) premiums based on income levels which makes no business sense and skews the math horribly.

Its like me running my business.  If I only charge poor people half as much as I charge rich people I'm going to go out of business because my costs are the same no matter if my customer is rich, poor, or in a union.

If you know what your costs are going to be, and you know how many "poor" people versus "rich" people will be using your business, and you can't figure out a pricing that accounts for all of that, then maybe you should learn more math. Frankly, that is the way healthcare has worked in this country since the middle of the last century. And it worked until the last 20 years because "rich people" (i.e. insurance and Medicare) paid enough that "poor people" could get the same care at a discounted rate (i.e. what the hospital would write off).

Hey, no personal attacks on my math skills.  

I don't think they're getting the same care as the rich people.  I think the law only says that a hospital cannot turn away anyone based on ability to pay, but I think they're only required to stabilize them versus give them the tests necessary to really diagnose what's going on.

To take a step back though I don't think there's really any way for any of us to truly know how this is all going to pan out (financially and coverage wise).  Your glass is half full and mine is half empty, on this subject.  I am skeptical of the governments ability to get it right, and you are optimistic that they will get it right.  Time will tell



2012-06-29 2:47 PM
in reply to: #4287323

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Subject: RE: ACA Individual Mandate Struck Down!
tuwood - 2012-06-29 3:35 PM

Hey, no personal attacks on my math skills.  

I don't think they're getting the same care as the rich people.  I think the law only says that a hospital cannot turn away anyone based on ability to pay, but I think they're only required to stabilize them versus give them the tests necessary to really diagnose what's going on.

To take a step back though I don't think there's really any way for any of us to truly know how this is all going to pan out (financially and coverage wise).  Your glass is half full and mine is half empty, on this subject.  I am skeptical of the governments ability to get it right, and you are optimistic that they will get it right.  Time will tell

And your spelling's poor, too!

I am not so much optimistic that the government will "get it right" as I am realistic that the approach now of using "free market" policies where faceless and brainless nay-sayers in some corporate office in an insurance company will do the thing that makes the most for stockholders is a terrible way to run a healthcare system in a country that has the resources we do. The "government" is not really going to be running the new program either, which is frankly its biggest weakness. My fear is that we get the worst of both worlds.

2012-06-29 5:20 PM
in reply to: #4284525

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Subject: RE: ACA Individual Mandate Struck Down!

I just read an interesting article that somebody posted on their FB page.  http://www.ijreview.com/2012/06/9398-why-chief-justice-roberts-made-the-right-long-term-decision-with-obamacare/

There hasn't been much in the media about the Medicare funding portion that was struck down, but this paragraph has me going hmmm.

Finally, he struck down as unconstitutional, the Obama-care idea that the federal government can bully states into complying by yanking their existing medicaid funding. Liberals, through Obama-care, basically said to the states — ‘comply with Obama-care or we will stop existing funding.’ Roberts ruled that is a no-no. If a state takes the money, fine, the Feds can tell the state how to run a program, but if the state refuses money, the federal government can’t penalize the state by yanking other funding. Therefore, a state can decline to participate in Obama-care without penalty. This is obviously a serious problem. Are we going to have 10, 12, 25 states not participating in “national” health-care? Suddenly, it’s not national, is it?

Ultimately, Roberts supported states rights by limiting the federal government’s coercive abilities. He ruled that the government can not force the people to purchase products or services under the commerce clause and he forced liberals to have to come clean and admit that Obama-care is funded by tax increases.

 

2012-06-30 12:17 PM
in reply to: #4284525

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Subject: RE: ACA Individual Mandate Struck Down!

A FB acquaintance wrote this:

the hospital financial administrator told me about 4 years ago about my 2 hour ER visit: "yes, you have to pay the $10,000, even tho YOU have gret insuranace - because you're paying for the people that don't have insurance"...seriously? so yes, i support today's ruling...now we all get to share in the costs...the taxes will be cheaper than what i paid to XXX XXX hospital...

i'm still pissed

 well, i may not be a fan of the mandate, but until everyone buys their own health insurance and stops putting their costs on me, then it's been proven the only way to do that is to make them do it...

This is the same woman who I had to take to XXXX General Hospital in about 1995 when she had a bad bike wreck and cracked her pelvic bone.   The general hospital was clear accross town, but she knew the public hospital had to treat her even though she had no insurance.  

Anyway - I wonder what she would have said back then if someone made her buy insurance.     I won't call her out in front of her new friends, but I might PM her.

OK - back to your debate.

 

2012-06-30 1:07 PM
in reply to: #4287352

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Subject: RE: ACA Individual Mandate Struck Down!
gearboy - 2012-06-29 1:47 PM
tuwood - 2012-06-29 3:35 PM

Hey, no personal attacks on my math skills.  

I don't think they're getting the same care as the rich people.  I think the law only says that a hospital cannot turn away anyone based on ability to pay, but I think they're only required to stabilize them versus give them the tests necessary to really diagnose what's going on.

To take a step back though I don't think there's really any way for any of us to truly know how this is all going to pan out (financially and coverage wise).  Your glass is half full and mine is half empty, on this subject.  I am skeptical of the governments ability to get it right, and you are optimistic that they will get it right.  Time will tell

And your spelling's poor, too!

I am not so much optimistic that the government will "get it right" as I am realistic that the approach now of using "free market" policies where faceless and brainless nay-sayers in some corporate office in an insurance company will do the thing that makes the most for stockholders is a terrible way to run a healthcare system in a country that has the resources we do. The "government" is not really going to be running the new program either, which is frankly its biggest weakness. My fear is that we get the worst of both worlds.

I seriously do not get this argument. Instead of some nameless faceless person in a corporate office, you want some nameless faceless government bureaucrat making the same decision. You can make up what ever "nameless faceless" boogy man you want, but it does not hold water.

Corporations have been run for some time now. Yes the goal is to be profitable, and to increase their shareholders profits. Those shareholders invested their money into the company so it can grow and do the business it is doing in the first place. The whole point is to grow and be profitable... but the catch is the only way to do that is to put out a good product. A cost effective high value product. With proper checks in place, those companies that are shady or do not do right go out of business. The model is not broke.

The Government bureaucrat model is broke. They have no checks. Oh ya, some elected official is supposed to have some control at some point, but other than that, a bureaucrats only job is to grow his department. If he cuts his budget then he shrinks his power and control. Then he can't move on to bigger departments. If he does not spend all his money, then he gets less next year. There is no oversight, not in the real world. They don't have to worry about putting out a superior product, because there is no competition. There is waste and abuse. So there is no free lunch in that area either.

Obviously to run government enterprises you have to have government agencies. The IRS and Social security are not private companies and have no private counter part. But health care, higher education, or any other private sector endeavor is not better off being run by the government. It just isn't.

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