Why a health care mandate is essential

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Hacp

Lifer
Jun 8, 2005
13,923
2
81
I suggest you read the bill.
The bill is a bunch of fuzz. 6 years of service for 10 years of pay. It doesn't pay for itself.


Taxpayers aren't against the bill. A lot of taxpayers are for the bill. That's just a false statement.
No, taxpayers don't want to pay more money for nothing. Middle class workers who already have health care don't want to pay more taxes for no benefit.

Sure you say, you they can't be denied coverage. That's a benefit. Umm, did you really need to hand free healthcare out to the unproductive to come up with that? You can accomplish that WITHOUT giving handouts.

Another argument is that the tax won't be directly on the middle class. But it is a tax on the middle class. The rich hire the middle class to do work. If taxes are too high in the US, the rich will just outsource the jobs and keep the money in China or India.
Poor people are often very productive. Some of them even work two jobs because they are poor. It is true that very sick people will often get very unproductive so they need healthcare to be able to get productive again.
Good for them. Now they need to live within their means. If they work two jobs at minimum wage, then they will be able to afford health insurance if they cut out all luxuries.
 

BoberFett

Lifer
Oct 9, 1999
37,563
9
81
So the hospital cut the bill and stuck all of those with private insurance with the bill.

I have said this before and I will say it again, it is all about cost shifting.

With the influx of baby-boomers into Medicare, the government needs more people to cost shift those people onto. The only way to do this is to mandate that everyone buys insurance even if they do not need it.

The government over promised on Medicare and now everyone is paying for their mistake.

But did it really? Or does the hospital just artificially inflate every bill to everybody because they know that the insurance companies and government agencies will only pay 10-20% anyway? And when some poor shlub who comes in without insurance gets that same bill but doesn't have the pull to tell the hospital he's going to pay 10% of the bill, ends up declaring bankruptcy?

Fact is, nobody knows what healthcare really costs.
 

Fern

Elite Member
Sep 30, 2003
26,907
173
106
But did it really? Or does the hospital just artificially inflate every bill to everybody because they know that the insurance companies and government agencies will only pay 10-20% anyway? And when some poor shlub who comes in without insurance gets that same bill but doesn't have the pull to tell the hospital he's going to pay 10% of the bill, ends up declaring bankruptcy?

Fact is, nobody knows what healthcare really costs.

If the hospital is handling it right, the 'bean-counters' should be taking care of it. (Or a bean counting-type program)

We cost out how a much a procedure etc costs.

We break them down by payers - what percent of 'customers' pay by what means (Medicare/Medicaid, private insurers, self-pay, and bad debts). Medicare/Medicaid tells the hospital what they can charge. There will be price agreements with various private HI companies etc.

Example (caution - simplified for illustrative purposes):

Procedure cost $5,000 per (direct cost+overhead+profit, if any)

100 procedures per year = $500,000

85 are private insurers (see note #1 below)
5 are medicaid
8 are self pay
2 are deadbeats.

Private insurers pay $4,500 ea.(assume that's our price agreement) (total estimated $382,500)

Medicaid pays $4,000 ea. ($20,000)

Deadbeats pay $0 ea. ($0)

Self-pay get charged $12,187.50 ea. ($97,500)

Total estimated receipts = $500,000

If you underestimate the number of patients who will be deadbeats or Medicaid hosital losses money, and vice-versa.

Note #1. I didn't put Medicare up there because (1) keepin it simple, and (2) most retirees on Medicare also have private coverage (company or gov plans etc for retirees). When the patient has both Medicare and a private plan the two will split the $5,000 bill.

And yeah, the uninsured who self-pay get shafted.

Fern
 
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nageov3t

Lifer
Feb 18, 2004
42,816
83
91
ultimately, I think the bill is better than nothing... but better than nothing is a long ways away from "good"

I get the impression that a lot of the people really celebrating its passage are more excited about victory over republicans rather than its lackluster content.

I feel like all congress is doing is taking our broken system and forcing everyone onto it.
 
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flavio

Diamond Member
Oct 9, 1999
6,823
1
76
No, taxpayers don't want to pay more money for nothing. Middle class workers who already have health care don't want to pay more taxes for no benefit.

Being a middle class worker I can say that you're wrong. Insuring all the citizens while keeping premiums down is a huge benefit.

Sure you say, you they can't be denied coverage. That's a benefit. Umm, did you really need to hand free healthcare out to the unproductive to come up with that? You can accomplish that WITHOUT giving handouts.

It's making sure the POOR have access to healthcare, not the "unproductive". Many poor work two jobs and are very productive.

Good for them. Now they need to live within their means. If they work two jobs at minimum wage, then they will be able to afford health insurance if they cut out all luxuries.

Not true, you could cut out all luxuries and still not be able to afford it. Then there's also the people that are too sick to work. With access to healthcare maybe they can get better and be productive.

Win.
 

Patranus

Diamond Member
Apr 15, 2007
9,280
0
0
ultimately, I think the bill is better than nothing... but better than nothing is a long ways away from "good"

I get the impression that a lot of the people really celebrating its passage are more excited about victory over republicans rather than its lackluster content.

I feel like all congress is doing is taking our broken system and forcing everyone onto it.


I 100% agree.
Some aspects of this legislation is good but the vast majority of it is a disaster.
 

CADsortaGUY

Lifer
Oct 19, 2001
25,162
1
76
www.ShawCAD.com
Being a middle class worker I can say that you're wrong. Insuring all the citizens while keeping premiums down is a huge benefit.



It's making sure the POOR have access to healthcare, not the "unproductive". Many poor work two jobs and are very productive.



Not true, you could cut out all luxuries and still not be able to afford it. Then there's also the people that are too sick to work. With access to healthcare maybe they can get better and be productive.

Win.

1. provision to keep "premiums down" not found
2. "access" is already available to everyone - this bill or any "mandate" does nothing to further that since all you are doing is trying to force that already "poor" person to spend money on insurance.
3. See #2
 

ericlp

Diamond Member
Dec 24, 2000
6,133
220
106
Time will tell --- Change? Maybe. Hopefully. I'm pretty optimistic that Obama is leading the country in the right direction.

Unlike the rest of the nay sayers around here.
 

flavio

Diamond Member
Oct 9, 1999
6,823
1
76
1. provision to keep "premiums down" not found

"It brings greater accountability to health care by laying out commonsense rules of the road to keep premiums down and prevent insurance industry abuses"

http://www.whitehouse.gov/Issues/health-Care

2. "access" is already available to everyone - this bill or any "mandate" does nothing to further that since all you are doing is trying to force that already "poor" person to spend money on insurance.

No people with pre-existing conditions and those who can't afford it do not have access. Also, it's not forcing the poor to spend money on insurance. Medicaid is being expanded and there will be subsidies.

You must not have been following this very close or you're just listening to fictitious propaganda.
 

CADsortaGUY

Lifer
Oct 19, 2001
25,162
1
76
www.ShawCAD.com
"It brings greater accountability to health care by laying out commonsense rules of the road to keep premiums down and prevent insurance industry abuses"

http://www.whitehouse.gov/Issues/health-Care



No people with pre-existing conditions and those who can't afford it do not have access. Also, it's not forcing the poor to spend money on insurance. Medicaid is being expanded and there will be subsidies.

You must not have been following this very close or you're just listening to fictitious propaganda.

1. so you got nothing... figures.

2. Yes they do have access. You need to start by understanding that INSURANCE != healthcare. Those of you who do not understand this(either by ignorance or on purpose) will not be involved in any rational and real discussion on this topic - it just can't happen until you do.
 

HGC

Senior member
Dec 22, 1999
605
0
0
Why is there a mandate? Why should you force people who don't want health insurance to purchase health insurance?

Also, why do you give handouts to the poor? If you can't pay for insurance, you get no insurance. That should be the policy. Can't pay for it? Tough! That is the only sane way to reduce our health care expenses as a percentage of GDP.
Those are excellent points. I appreciate the moral case for not forcing people to pay other people's bills.

Practically, our society will not accept letting poor sick people suffer and die, regardless of any bad choices they may have made. This is an acceptable compromise to me.

I think a better solution would be free clinics offering basic care in exchange for volunteer work, but I don't think that's politically feasable.
 

Hacp

Lifer
Jun 8, 2005
13,923
2
81
Those are excellent points. I appreciate the moral case for not forcing people to pay other people's bills.

Practically, our society will not accept letting poor sick people suffer and die, regardless of any bad choices they may have made. This is an acceptable compromise to me.

This is whats making health care expensive for the responsible people. Why does the government never reward responsible people? It always tries to help people who are reckless and punishes people who play by the rules by taxing their hard earned money.

I think a better solution would be free clinics offering basic care in exchange for volunteer work, but I don't think that's politically feasable.
How will the free clinics be paid? Also, the unions will be up in arms if you try to replace some of their rank and file with volunteer workers.
 

HGC

Senior member
Dec 22, 1999
605
0
0
Time will tell --- Change? Maybe. Hopefully. I'm pretty optimistic that Obama is leading the country in the right direction.

Unlike the rest of the nay sayers around here.
ObamaCare is a complicated system of price controls. Price controls have been tried around the world and throughout history, many times. They've never worked yet. They always lead to shortages and rationing.

American health care in coming years will be rationed politically. I wish you great good health, but if you contract a disease, you'd better pray that it is fashionable with the political class.
 

flavio

Diamond Member
Oct 9, 1999
6,823
1
76
1. so you got nothing... figures.

I did give you something.

2. Yes they do have access. You need to start by understanding that INSURANCE != healthcare. Those of you who do not understand this(either by ignorance or on purpose) will not be involved in any rational and real discussion on this topic - it just can't happen until you do.

No they don't have access. If you do not have health insurance and don't have money you're not going to be able to get a lot of healthcare.

If you need a bypass or dialysis or expensive meds and don't have insurance or tons of money you do not have access to the healthcare that you need. Those of you who do not understand this(either by ignorance or on purpose) will not be involved in any rational and real discussion on this topic.
 

flavio

Diamond Member
Oct 9, 1999
6,823
1
76
It always tries to help people who are reckless and punishes people who play by the rules by taxing their hard earned money.

Is someone who works for many years and hen gets too sick to work being reckless?
 

CADsortaGUY

Lifer
Oct 19, 2001
25,162
1
76
www.ShawCAD.com
I did give you something.



No they don't have access. If you do not have health insurance and don't have money you're not going to be able to get a lot of healthcare.

If you need a bypass or dialysis or expensive meds and don't have insurance or tons of money you do not have access to the healthcare that you need. Those of you who do not understand this(either by ignorance or on purpose) will not be involved in any rational and real discussion on this topic.

1. still nothing

2. Yes they do. You do not need insurance to have access to healthcare. YOU might "feel" some will not be able to afford their care but it's flat out false to suggest they don't have access to it. So again, until you people understand that there is a difference between the two -there is no logical or rational discussion that can take place.
 

flavio

Diamond Member
Oct 9, 1999
6,823
1
76
1. still nothing

Sure there was.

2. Yes they do. You do not need insurance to have access to healthcare. YOU might "feel" some will not be able to afford their care but it's flat out false to suggest they don't have access to it. So again, until you people understand that there is a difference between the two -there is no logical or rational discussion that can take place.

False. If you do not have health insurance and don't have money you simply will not have access to most healthcare. There's really no way to deny it. So again, until you people understand this there is no logical or rational discussion that can take place.
 

Fern

Elite Member
Sep 30, 2003
26,907
173
106
False. If you do not have health insurance and don't have money you simply will not have access to most healthcare. There's really no way to deny it. So again, until you people understand this there is no logical or rational discussion that can take place.

Then please explain to us how these people without money and getting no health care have had us subsidizing the healthcare they apparently don't get by making our HI premiums higher because of them not paying the hospitals bills for the healthcare they don't receive.

TIA

Fern
 

flavio

Diamond Member
Oct 9, 1999
6,823
1
76
Oh you can get some healthcare without money but try getting angioplasty, a bypass, a transplant, regular dialysis, your daily meds, etc without it.
 

Jack Ryan

Golden Member
Jun 11, 2004
1,353
0
0
Oh you can get some healthcare without money but try getting angioplasty, a bypass, a transplant, regular dialysis, your daily meds, etc without it.

In my opinion, those services are not a human right. Our society is obviously based on money. You have it, you can afford things. You don't, well, go out and make some.

There is a reason I went to school, took on loans, stayed in on some nights to study, didn't take vacations the minute I had enough money, bought a house I could afford, go to the gym in the morning, eat healthy...

I may throw up if I see another 300lb woman with 3 kids in the ER using it as a doctor's office for the sniffles.
 
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