The Nail In Obamacare's Coffin

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michal1980

Diamond Member
Mar 7, 2003
8,019
43
91
Health care is less important than a car and gas? Why are all of those automatically 'just the price things cost,' but insurance costs are this outrageous burden?

because something's are necessary for life.

food, shelter are required for life. Work is required to get those things. Transportation is generally required to get to work.

health insurance is a requirement of life.
 

michal1980

Diamond Member
Mar 7, 2003
8,019
43
91
As if he means that there will be 16 million policies cancelled. Hint-policies are changed ALL THE TIME. That doesn't mean the policy is cancelled. As has been pointed out, a lot of the policies offered before were worthless.

So far people have only asserted these policies are worthless. And some probably are. But most?

find proof before repeating this crap over and over again.
 

shady28

Platinum Member
Apr 11, 2004
2,520
397
126
Health care is less important than a car and gas? Why are all of those automatically 'just the price things cost,' but insurance costs are this outrageous burden?

Those are the things I see as being absolutely necessary to function in modern society.

What little one would have left is almost certain to be consumed by typical costs like a hair cut, fixing a flat tire, buying glasses or contacts, clothing. God forbid you actually get sick - it would take you 5 or 6 years to save up for that deductible.

Living at that level is really not living much at all, yet it appears the Obamacare supporters think that even more should be taken from them.

Look at the numbers above - it doesn't work. A person in that situation will not get insurance.

In the end, the only thing that matters is getting positive results, which isn't happening and is not going to happen.

What does not matter is your view of how people should behave, as opposed to how they actually behave.


That view you have is a very totalitarian view, by the way.

Reminds me of pictures from Soviet Russia of people waiting in food lines, wearing all browns and greys, living in concrete high-rise ghettos.
 

Zorkorist

Diamond Member
Apr 17, 2007
6,861
3
76
Insurance costs, and healthcare costs, are all related to our Government, which is ridiculously in debt.

You are right to question health care costs. You are right to question insurance costs.

The answer you will come up with is that our Government, has run amuck. They have fleeced their pants with every last penny they can extort from us, the citizen.

Today, they don't even care if we have money, they put us more and more and more in debt.

-John
 

Fern

Elite Member
Sep 30, 2003
26,907
173
106
The Nail In Obamacare's Coffin[/b]

If this thing works out so badly it costs Dems in the upcoming election and takes the majority of the rest of his term to fix, then yes, history will not look kindly upon Obama.

Fern
 

shortylickens

No Lifer
Jul 15, 2003
82,854
17,365
136
How can this be true? I was given a pamphlet to read and my opinion was swayed on this very forum. Hopefully people will start to learn to think for themselves and get off the political party tit for awhile.

Yeah thats the biggest problem.
Especially cuz the only thing the parties do well nowadays is blame each other. They arent actually good at getting things done.
 

Zaap

Diamond Member
Jun 12, 2008
7,162
424
126
Nonetheless the really poor can NEVER pay for what they use in healthcare, so a free market system would never afford them much access. If you work a McDonald's or worse no job at all you are simply not worth enough to give you back a surgeon and MRI and hospital bed, etc. so it must be given by charity.
But the poor benefit from decreased costs the same as anyone else. I have no problem with the truly poor and needy being subsidized for their healthcare costs. That would just work even better if healthcare costs were that much less to begin with- less cost to everyone else to subsidize as well.

It amazes me people think the free market can't work for healthcare- and yet there are clear examples where it does. Lasik eye surgery is a good example. That's been a model based entirely on free market competition, not an insurance ponzi scheme. Therefore, the true cost of it hasn't been masked from the consumer. If you notice, Lasik surgery is advertised based on competitive price and skill/experience of the doctors. If you've ever been to a Lasik clinic, they are state of the art, clean, and you can show up, get an exam, and have the procedure done inside of a few hours and be in and out. Cost? It's gone steadily down, even as the technology has gotten steadily better. I remember when it was astronomical per eye- now it can be done for a few hundred per eye.

This is for a skilled surgeon to take a laser to your eyes. (Probably one of the last parts of most people's bodies they'd allow someone without a clue to mess with). Yet we act like it's the impossible dream to have doctors and nurses do routine things like prescribe medications, treat illnesses, give x-rays and blood tests and the like- all the procedures that make up most of what healthcare entails- for a reasonable cost.

People act like "heahtcare" is always brain surgery or something, when mostly, we're all paying a fortune for a lot of routine care that shouldn't cost nearly so much.

The free market can't handle everything, but it sure as hell could handle a lot of things. When my wife needed an ultrasound, we went to an ultrasound clinic and got one inside of an hour for about $45. No insurance scam needed. Why not free market x-ray and cat scan clinics that your doctor sends you to?

Free market health clinics with ala-cart menus of the services they provide (with a list of reasonable prices you pay up front) should be more common than fast food joints- one on every corner. Only a dumbass believes that just because something becomes more available and subject to competition and market forces does it automatically follow that it's less regulated. There would still be regulations and health inspections in a free market system.

When someone gets hit by a bus- of course, you go to the emergency room, not the corner free market clinic. But the great thing is- all the people who just have a boo-boo they need stitched up for $20 (not $1000+ a month insurance ponzi scheme) are at the free market clinic OUT OF THE WAY of the person who really needs the emergency room.

Just as you don't insure your car for oil changes, but against catastrophic damage, so too should health insurance be for catastrophic accidents, not routine medical needs.
 

xj0hnx

Diamond Member
Dec 18, 2007
9,262
3
76
We have been brainwashed into thinking that less taxes is better. Taxes are great if they are spent properly. The only people who lower taxes truly benefit in the USA are the rich.

Less taxes ARE better, and the rich are hardly the only ones that benefit. When a quarter of your check or more is being siphoned off by the government, the working poor and middle class are the only ones that feel that in every check. No, taxes are NOT "great", necessary to an extent for a society to function, but not "great". Only an authoritarian, government sycophant would describe labored for money being taken under threat of force as "great".

Is this thread serious?

This is not only a good thing, but a lot of it is the whole point behind the law. The policies are being cancelled are ones that allowed for exclusions for pre-existing conditions, had lifetime insurance caps, etc were the horrible things that the ACA was created to eliminate.

No, it's not a "good thing", it was an out right lie, and he knew it was when he said it. You opinion of someone else's insurance company doesn't matter, if they like it, and wanted to keep it, it is none of your business. The whole ACA is a gigantic step in the wrong direction, and does absolutely nothing to reign in the real problem, the ever raising cost of actual health care, it only serves to further line the insurance companies pockets with even more money, hell they had huge input into making the law anyway. You progressive nut jobs are so intellectually dishonest it's disgusting.
 

Zorkorist

Diamond Member
Apr 17, 2007
6,861
3
76
But the poor benefit from decreased costs the same as anyone else. I have no problem with the truly poor and needy being subsidized for their healthcare costs. That would just work even better if healthcare costs were that much less to begin with- less cost to everyone else to subsidize as well.

It amazes me people think the free market can't work for healthcare- and yet there are clear examples where it does. Lasik eye surgery is a good example. That's been a model based entirely on free market competition, not an insurance ponzi scheme. Therefore, the true cost of it hasn't been masked from the consumer. If you notice, Lasik surgery is advertised based on competitive price and skill/experience of the doctors. If you've ever been to a Lasik clinic, they are state of the art, clean, and you can show up, get an exam, and have the procedure done inside of a few hours and be in and out. Cost? It's gone steadily down, even as the technology has gotten steadily better. I remember when it was astronomical per eye- now it can be done for a few hundred per eye.

This is for a skilled surgeon to take a laser to your eyes. (Probably one of the last parts of most people's bodies they'd allow someone without a clue to mess with). Yet we act like it's the impossible dream to have doctors and nurses do routine things like prescribe medications, treat illnesses, give x-rays and blood tests and the like- all the procedures that make up most of what healthcare entails- for a reasonable cost.

People act like "heahtcare" is always brain surgery or something, when mostly, we're all paying a fortune for a lot of routine care that shouldn't cost nearly so much.

The free market can't handle everything, but it sure as hell could handle a lot of things. When my wife needed an ultrasound, we went to an ultrasound clinic and got one inside of an hour for about $45. No insurance scam needed. Why not free market x-ray and cat scan clinics that your doctor sends you to?

Free market health clinics with ala-cart menus of the services they provide (with a list of reasonable prices you pay up front) should be more common than fast food joints- one on every corner. Only a dumbass believes that just because something becomes more available and subject to competition and market forces does it automatically follow that it's less regulated. There would still be regulations and health inspections in a free market system.

When someone gets hit by a bus- of course, you go to the emergency room, not the corner free market clinic. But the great thing is- all the people who just have a boo-boo they need stitched up for $20 (not $1000+ a month insurance ponzi scheme) are at the free market clinic OUT OF THE WAY of the person who really needs the emergency room.

Just as you don't insure your car for oil changes, but against catastrophic damage, so too should health insurance be for catastrophic accidents, not routine medical needs.
Good post.
 

Zorkorist

Diamond Member
Apr 17, 2007
6,861
3
76
It should also be affordable (and profitable) for a corner health clinic to operate, and not be scared to death of law suits.

Tort reform, Insurance Reform, Government Reform.

The people can probably figure it out.

-John
 

Zodiark1593

Platinum Member
Oct 21, 2012
2,230
4
81
Normally, I would be against most anything socialist, but healthcare and economics make for an ugly mix in nearly every way possible. Given the government's recent budgeting history (not exactly stellar) however, I'm unsure going solely single-payer will produce the results many would like to believe. Covering all taxpayers for lifesaving treatments (and running tests that end up saving you life) would probably be simpler and less costly (for those involved) to implement while insurance companies handle the rest.

Of course, there is also the issue with hospitals wanting exceptionally high costs compared to other developed nations. Ultimately, government intervention may be necessary here as well, due to the never-ceasing demand for said Hospital's products, lack of competition, and unusually strong leverage over consumers (as consumers normally have little choice when the need arises). For a social healthcare system to be sustainable, and of fair cost to the rich, middle, and poor alike, reining in the hospital prices should take precedence over the insurance companies. Reducing prices for healthcare at the source will also reduce insurance premiums, as well as taxpayer expense. Ideally, prices should be reduced through the elimination of immoral practice and excessive gouging instead of reducing pay for doctors, nurses and such.
 

shady28

Platinum Member
Apr 11, 2004
2,520
397
126
Normally, I would be against most anything socialist, but healthcare and economics make for an ugly mix in nearly every way possible. Given the government's recent budgeting history (not exactly stellar) however, I'm unsure going solely single-payer will produce the results many would like to believe. Covering all taxpayers for lifesaving treatments (and running tests that end up saving you life) would probably be simpler and less costly (for those involved) to implement while insurance companies handle the rest.

Of course, there is also the issue with hospitals wanting exceptionally high costs compared to other developed nations. Ultimately, government intervention may be necessary here as well, due to the never-ceasing demand for said Hospital's products, lack of competition, and unusually strong leverage over consumers (as consumers normally have little choice when the need arises). For a social healthcare system to be sustainable, and of fair cost to the rich, middle, and poor alike, reining in the hospital prices should take precedence over the insurance companies. Reducing prices for healthcare at the source will also reduce insurance premiums, as well as taxpayer expense. Ideally, prices should be reduced through the elimination of immoral practice and excessive gouging instead of reducing pay for doctors, nurses and such.


I'm not opposed to universal healthcare in some form, I just view Obamacare as being #1 - unjust and #2 - untenable.

I was going to write something about how it could be done, and how some of the cost issues could be addressed, but frankly it really comes down to this :

The people in Washington are neither capable nor motivated to draw up something that works. It doesn't matter if its Republican or Democrat, anything they come up with will be laced with corporate payoffs and special interest bribes.

Since healthcare is critical and quite personal to people's well being, I don't think they should do a damn thing except repeal Obamacare. At least, not until we get some new people there who demonstrate an ability to successfully implement functional polices.
 

OutHouse

Lifer
Jun 5, 2000
36,413
616
126
stop showing up at the hospital with their little boo boo Band-Aid "insurance policies" that don't even cover the cost of the paper their discharge is printed on.

obamas plans are not much better for that boo-boo. 700 a month, 5-9 grand to reach the deductible. yea thats a Cadillac plan!!

/sigh
 

OutHouse

Lifer
Jun 5, 2000
36,413
616
126
In case you were wondering, yes you will almost certainly pay more under the ACA. It sounds like you are young and high income without employer sponsored insurance. That's not a common combination, but you will pay more.

Affordable Care Act!!! whoot sign me up!! i put too much in my 401 as it is, may as well just give it to the government.
 

sportage

Lifer
Feb 1, 2008
11,493
3,159
136
First of all, healthcare is such a huge cost due to the current fact that everyone currently with a plan is also paying for hoards and masses of ER visits by those not insured.
ACA Obamacare is trying to stop that. Its called accountability.
And simple math and logic proves healthcare costs for all would lower greatly if everyone had insurance.
ACA offers that.
And the vase majority of those uninsured ER visits are from the young.
The very segment that feels they should not have to carry insurance.
Then they take the kid to the ER for an ear ache, cold, high temperature.
Never to the doctor office.
THAT is a fact!

Secondly.
Any current plan you have that would drop you because of cancer, heart disease, physical issues, etc etc is not a good plan. It is a shit plan. You are paying for shit.

And lastly, ACA is not government healthcare. It combines free market private insurers into what are called exchanges. ACA simply addresses and sets new rules, rules for your benefit by the way, where the exchange plans offered can not refuse to cover you, can not refuse to treat you, can not terminate coverage when you need it the most.

Ever had home owners insurance? Where you put in one claim for roof damage from a storm or damage from a fallen tree? Then, you get a nice little surprise letter telling you that your home owners insurance has just been canceled?
That is exactly what insurance for profit companies are now and have been doing to customers for tens of years.
ACA also stops that fraudulent practice.

And if you are dropped from your current insurance plan, that is not because of ACA or Obamacare. Its simply because your current provider rather close shop and stop doing business than offer you a fair deal. A fair deal meaning doing what they promised to. Give you reliable healthcare insurance.
 

Doppel

Lifer
Feb 5, 2011
13,306
3
0
First of all, healthcare is such a huge cost due to the current fact that everyone currently with a plan is also paying for hoards and masses of ER visits by those not insured.
Nope, it sure isn't. The huge, massive majority of ER visits are by old people, and old people are very likely to have medicaid. What you're doing is parroting the same lies used to sell aca, this preventative vs ER stuff, it's not even close to why health care is so expensive, just one small factor.

Except in rare cases anybody under 40 can skip seeing an doctor their entire life to that point and not end up in the ER. There's really very little most of them need.

Probably the single largest reason healthcare is so expensive in the US Is because almost 1/3rd of it is flushed down the toilet in insurance overhead, the same entities that Obamacare forcibly gives business to.
 

Doppel

Lifer
Feb 5, 2011
13,306
3
0
sportage
And if you are dropped from your current insurance plan, that is not because of ACA or Obamacare.
I'd be kind and say you're wrong, but it's not fair. You're a liar. You've seen enough about this now to know what you just said is unequivocally untrue, and that makes you a liar.

http://www.cnn.com/2013/10/29/politics/obamacare-states-scrap-insurance-plans/index.html?hpt=hp_c2

Virginia, Kentucky and Idaho have told insurance companies that they must scrap insurance plans that don't meet the minimum coverage requirements laid out in the Affordable Care Act.
 

shortylickens

No Lifer
Jul 15, 2003
82,854
17,365
136
Great, I'm in Virginia. Right now I got college coverage, and its actually quite good. I bet it will suck next year.
 

AViking

Platinum Member
Sep 12, 2013
2,264
1
0
Less taxes ARE better, and the rich are hardly the only ones that benefit. When a quarter of your check or more is being siphoned off by the government, the working poor and middle class are the only ones that feel that in every check. No, taxes are NOT "great", necessary to an extent for a society to function, but not "great". Only an authoritarian, government sycophant would describe labored for money being taken under threat of force as "great".

I had a thread in the discussion section that went over this a bit. Look at your monthly expenses. Regardless of how low your taxes are you have quite a bit of expenses. Your healthcare is expensive and adds up to a fair bit of your salary. If you aren't paying for it your employer is. So I pay more taxes here. What do I get?

Free Education
Free Healthcare
15 months Maternity/Paternity leave
Paid sick leave
Minimum 5 weeks vacation
Job security
A pension
Affordable senior care
Subsidized mass transportation that is dirt cheap
Subsidized daycare that is dirt cheap

Oh and they do this while having the 4th most competitive economy in the world. They are one of the most productive economies in the world. They are one of the most innovative. They are one of the best places in the world to start a small business.

Rough napkin math seems to indicate that 80% of Americans would benefit more from higher taxes and more benefits. The other 20% though are in charge and would rather pocket the difference.

Americans get jack shit for their taxes. That's why they don't want more. If they got something for them it would be a different story.

Do the math
 

sactoking

Diamond Member
Sep 24, 2007
7,547
2,759
136
Great, I'm in Virginia. Right now I got college coverage, and its actually quite good. I bet it will suck next year.

Actually, colleges and universities lobbied heavily to have student plans exempt from some of the law's provisions and were successful. So, for example, student plans will be there own separate risk pool, which means that since students tend to be young, the underlying index rate for a student plan should be substantially lower than the general market index rate.
 
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