I would recommend getting skills that will allow you to get a job that has medical already taken care of. Thats the republican plan. And dont get sick.
Well ACA plan which I shopped around for, I am out about $20k before the insurance covers anything. So you tell me the value of that insurance? I would need to have a catastrophic event about every 5 years for me to break even.
Actually Employer provided insurance started during WWII under democrats, but that is just a detail. And no, that is not the republican plan. Employer provided benefits need to disappear and be replaced with inexpensive catastrophic plans. Prepaid health care is not insurance.
And typically I do have such benefits, but occasionally it does not work out that way. This the 2nd time in 20+ years.
Your idea about what insurance should be is so far out in left field it will never come to be. We will go single payer. Because thats the system that works around the world. And your ass is too poor to benefit from the alternative.
I'm still waiting for Republicans to apologize for GWBush.
Actually it is not out in left field. Health care is no where near a free market solution and it gives us the worst of both words(socialized and freemarket). Single payer has it own issues and you only need to look at any country that has implemented it. Insurance is expensive here because we use it as prepaid heath care, not insurance. This needs to change if we ever hope to bring cost under control.
And no I am not poor, the value is just is not there for what I am getting.
Why? Your stupid fucking 'genius' Al Gore LOST to Bush. If Bush was so bad than Gore was a schlemiel for losing to him. Blame Gore. If that dumfuck hadn't insisted on making gun control such a big deal he'd have carried West Virginia and his home state of Tennessee and won the election regardless of Florida.
We don't apologize for our victories.
That's what you people and your soon-to-be-gone Obama do.
An apology might have been warranted, but you guys put up Romney to run against him. You see, the way it works, is if the Democrats have a bad or unpopular candidate running, you can't just put up any garbage and expect it to win - we kind of expect you to keep up your end and give us a decent alternative.
There is no free market on health. For instance if you were having a heart attack you would pay anything to have it fixed in that moment. Left to the free markets people would sign away everything they own to get serviced for the heart attack that is happening right now.
Your ideas are dumb and you are poor. I pay more in taxes every week then your monthly health nut. Go get a job with real benefits.
And that is exactly what insurance is for. The expensive and unexpected, not the common and routine. Insurance should not cover things that are inexpensive and routine, injecting a 3rd party into such transactions only makes them more expensive.
LOL!!! You're paying less than $10k per year. Let's say you're in a car accident and have to be flown by helicopter. That ride alone is $15,000 or more. You apparently have no clue how much it costs in the case of a catastrophic event. One of my coworker's son and girlfriend were in a car accident. His bills were in the hundreds of thousands of dollars - hers are over a million dollars now. Both are extremely lucky to be alive. Fortunately, such accidents aren't too common. But, guess what - if you take the costs versus risk and divide it among everyone, then it's going to cost you about $10k per year to cover those costs, not to mention cover the profits of the insurance companies.Well ACA plan which I shopped around for, I am out about $20k before the insurance covers anything. So you tell me the value of that insurance? I would need to have a catastrophic event about every 5 years for me to break even.
LOL!!! You're paying less than $10k per year. Let's say you're in a car accident and have to be flown by helicopter. That ride alone is $15,000 or more. You apparently have no clue how much it costs in the case of a catastrophic event. One of my coworker's son and girlfriend were in a car accident. His bills were in the hundreds of thousands of dollars - hers are over a million dollars now. Both are extremely lucky to be alive. Fortunately, such accidents aren't too common. But, guess what - if you take the costs versus risk and divide it among everyone, then it's going to cost you about $10k per year to cover those costs, not to mention cover the profits of the insurance companies.
Yeah but that's not really how health expenditures come out. Basically if you're old or if you've come down with a persistent medical condition you are very expensive. Everyone else is very cheap. Of course insurers figured this out a long time ago, which is why they made getting private insurance either impossible or incredibly expensive if you were old or sick. This is why we are where we are, after all.
It's not like we are spending all our health care money on routine things. While I support an HSA model coupled with national universal catastrophic insurance let's not fool ourselves into thinking that's suddenly going to fix health care cost inflation.
And Docs also figures out a long time ago that they can bill the insurance companies what ever they want, since the consumer is not the one paying the bill. Price transparency and HSA would go a long way to solving the current price spiral.
I assure you that the insurance companies very much care what the doctor bills. That aside, I agree that improved price transparency would be absolutely beneficial, which is one of the good things included in the affordable care act. That being said, a huge amount of health care spending isn't really amenable to the effects of pricing transparency. Do you think someone in a car accident is going to shop around for the best ambulance price? Is someone half dead from cancer in a position to research and evaluate the cost/benefit ratio of various lab providers? Of course not.
I have used an HSA twice and I can tell you providers try to bill for whatever they can get. Yes insurance does try to mitigate that, but there still is quite a bit graft in the process.
I would guess that 90% of medical transaction are not made under such duress and a consumer can shop around, for everything else there is catastrophic insurance.
Of course providers try to bill for whatever you can get. Insurance companies are much better at getting better prices than individuals are. It's kind of their whole business, after all.
Remember, 5% of customers account for approximately 50% of health care spending. These are often people with multiple intersecting problems and myriad tests, medications, procedures, etc happening on a regular basis. Unless our plan is that these individuals devote massive time and effort to shopping around (which carries its own huge opportunity costs) this should not be expected. It's just not an efficient process.
You miss the point, that is what insurance is for. It is not for every trip to the doc for a runny nose. Insurance is for the catastrophic, not the common.
And I have also found cash prices without insurance are often less expensive than with insurance for common things. I would point to places like the surgical center of OK that does major surgical procedures for less than peoples copay at a normal hospital. This is real thing.
And this does not disagree with what i stated about 90% of medical transactions not being under duress.
I would've given 'em 99 years in the electric chair, and then a fair trial!
That is some rage you have there. Imagine the emotional . magnitude of what it would be if you had to forgive them because they had no idea of what they did. You know their guilt. History will too. Grace is found in surrender hidden under grief.
BonZaiDuck, I do not think you can transfer the pain of one lie by conjuring up another. The nation, the congress and the Executive branch wanted a lie to go to war because they could not accept to pain. Now they want a lie to keep from feeling our guilt. To lie again would be to say we are responsible for our crimes. How can you blame anybody for being unaware of what motivates them. There is noting we can do but as individuals offer up our pain on the alter of Love. It is the only death that changes everything.