The Terrifying Stakes Of Repealing Obamacare Without A Clear Replacement

[zenkai]

Well, some may because people do fall through cracks. Especially since insurance is a business, and when left to their own devices will save as much money as possible in whatever legal way they can.

I don't disagree with that, I am for a single payer system, fuck insurance companies. This is why I hated the ACA, it forces you to buy shitty insurance plan's instead of fixing the high cost of health.

[Edge-]

First off this wasn't about cost it was saying they were going to die without it. second If you think you won't go into dept having insurance then you don't understand how insurance works. It isn't oh I pay this and everything is covered. You kids really don't understand how insurance works.

Most insurance plans have reasonable deductibles and out of pocket maximums, even "catastrophe" type insurance that has lower premiums and higher deductibles etc.

Also, the ACA prevented health insurance companies from capping how much they'd pay for your health insurance, requiring them to cover you as long as you had a plan with them. That's going away as well as of now (I believe the senate voted to end that one the other day), so even for folks with insurance, there will again be a risk that insurance companies will simply refuse to cover the full costs of care.

Do you understand how insurance works?

I have insurance, my wife has insurance, she went to the emergency room over a kidney, stone, still had to pay 1,000 dollars, how many of you burger slingers could afford that?

Hi, non-burger slinger here (nice one, though. Glad you don't view burger-slingers as people who deserve health insurance without going bankrupt?). Had to go in for a knee operation a while back. Had to pay $1,500 total for it due to my insurance, which was a chunk of change but something that I could afford with my savings.

If I hadn't been insured I would not have been able to afford the operation at all.

So how's that argument working out for you?

[Narwal]

AThat shit will absolutely happen if people get kicked off their health insurance plans.

Key phrase, "if", Republicans have already states that the 20 million people on Obamacare plans will not lose their plans. Boom, no reason to worry. Basically everything you like about Obamacare is going to be retained.

[Zandalarian Paladin]

Hahahahaha.

Oh wait, you're serious? I'm terribly sorry to disappoint, but...

I'm not the one who's life depends on this. I'm Canadian, I have free health care.

In fact, if I lived in the US, I'd be screwed. I'm asthmatic, I have several allergies, I'm on an anti-depressant and I also have anxiolytics.

The amount of treatment and tests I had to go through my childhood are simply outstanding. My family would've never been able to afford the bill in the US.

But if Trump has no plan to replace Obamacare, he's going to face a tremendous amount of problems.

[Phookah]

A more realistic example is something like this:

I get kicked off my health insurance because ACA gets repealed. One day I notice a pain in my neck. I don't go to the doctor because I don't have health insurance. Live with this pain for several years, because I don't have health insurance. Eventually the pain is so bad that I go to the doctor. I have a tumor on my spinal cord. If I went to the doctor 3 years ago, I could have caught this and treated it. But it's too late. The cancer has spread. Now I'm going to die in a few months.

That shit will absolutely happen if people get kicked off their health insurance plans.

No no no, don't you know? If you can't afford insurance you clearly are poor enough to get free insurance from the government, and if you don't qualify for that then you must make enough money to supply yourself with equally good insurance! There's definitely no large amount of people in between that, right!?

Right?
/s

[Aoyi]

Pay your damn bill its not my responsibility to pay it for you. I am tired of this what about me. Is the system broken yes it is. Is right that you get screwed no. But its not right to screw me over in the process just for you. Since the ACA went into effect my insurance bill for my family premiums have gone from $150 a month to over $750 and month. At the same time my deductible has gone from $1000 to $4000. So no I am sorry my family comes first you do not.

You are a self centered prick. I have paid my bills. I have been paying into insurance now for nearly 20 years of working. I developed cancer 14 months ago. So why should I NOT be able to get the care I need? I'm paying my insurance premiums every month. Don't you have insurance to cover you and your family in case you need care? Isn't that suppose to be the whole damn POINT of insurance? I'm not putting myself before your family. I'm expecting to receive the coverage I PAY FOR. I'm sorry that's hard for you to understand.

[Deleted]

Key phrase, "if", Republicans have already states that the 20 million people on Obamacare plans will not lose their plans. Boom, no reason to worry. Basically everything you like about Obamacare is going to be retained.

ye except for future people who need health insurance.

[zenkai]

You don't have to be "poor" to not afford insurance mate.

Do you not understand how the ACA exchanges work?

"Poor" people can't buy Obamacare. If you are "poor" you get medicaid. ACA exchanges sell insurance to people who are above the threshold considered "poor", IE: they can't get medicaid when Obamacare goes away.

This on top of the fact that many covered by medicaid will also lose their coverage since the ACA also brought a medicaid expansion.

So how exactly are those "too rich" to get medicaid and "too poor" to afford private insurance (without the exchange/subsidy provided by the ACA) not at risk when the ACA is repealed? Like if they have heart failure and they need a transplant? A hospital will not do that for free. The government will not pay for it? How exactly does someone like that not die because the ACA is repealed?

Not true, it depends how poor you are, if you are low income AKA poor. You pick a plan and the Government under ACA pays for part of your health insurance, but you still have high cost of deductibles and co-pays,

[Crissi]

Key phrase, "if", Republicans have already states that the 20 million people on Obamacare plans will not lose their plans. Boom, no reason to worry. Basically everything you like about Obamacare is going to be retained.

I'll believe it when I see it. Right now it just looks like "Ooops, we didnt expect us ctontrolling all 3 branches of govt. SCRAMBLE!"

[zenkai]

Key phrase, "if", Republicans have already states that the 20 million people on Obamacare plans will not lose their plans. Boom, no reason to worry. Basically everything you like about Obamacare is going to be retained.

Can we believe what the government says? Look at the lies Obama fed us about Obamacare.

[TZucchini]

Key phrase, "if", Republicans have already states that the 20 million people on Obamacare plans will not lose their plans. Boom, no reason to worry. Basically everything you like about Obamacare is going to be retained.

Sure, if Republicans keep the preexisting conditions clause that would be great. But since they haven't rallied around a single plan, despite having several years to do so, I'm going to err on the side of caution.

And if they're going to keep all the good parts, then don't repeal it. Just fix it. I mean, you have to pay for those good parts somehow.

[Belize]

I'm not the one who's life depends on this. I'm Canadian, I have free health care.

But if Trump has no plan to replace Obamacare, he's going to face a tremendous amount of problems.

I don't think his lack of replacement is needed for him to face a tremendous amount of problems...

[Darsithis]

And how did they manage before Obamacare?

They died, without treatment or drove themselves into bankruptcy trying to pay for it. I should point out that bankruptcy is hard on everyone around them, not just the person who declared it.

[Zandalarian Paladin]

I don't think his lack of replacement is needed for him to face a tremendous amount of problems...

This is one of the very few things that can genuinely make people go out of their way. Health Care is one of these sacred things you do not remove. You reform, but not remove.

[Narwal]

Most insurance plans have reasonable deductibles and out of pocket maximums, even "catastrophe" type insurance that has lower premiums and higher deductibles etc.

Also, the ACA prevented health insurance companies from capping how much they'd pay for your health insurance, requiring them to cover you as long as you had a plan with them. That's going away as well as of now (I believe the senate voted to end that one the other day), so even for folks with insurance, there will again be a risk that insurance companies will simply refuse to cover the full costs of care.

Do you understand how insurance works?



Hi, non-burger slinger here (nice one, though. Glad you don't view burger-slingers as people who deserve health insurance without going bankrupt?). Had to go in for a knee operation a while back. Had to pay $1,500 total for it due to my insurance, which was a chunk of change but something that I could afford with my savings.

If I hadn't been insured I would not have been able to afford the operation at all.

So how's that argument working out for you?

No caps, some of the other stuff you said is all good stuff. However, the cost of many plans (obamacare plans) are stupid high. High premiums and 10-15k deductibles are basically just catastophe plans. So... I'll go back to my opinion that Obamacare was about taking away mediocre to average plans away from people in the lower middle class who had some kind of plan at their somewhat shitty benefits job, replacing them with catastrophe plans that are too expensive to actually use, then getting anyone who didn't have a healthcare plan free healthcare. It simply shifted the day to day difficulty from the poor to the lower middle class, which may "break" those middle classers, but at least they now have protections from catastrophe.

[unfilteredJW]

First off this wasn't about cost it was saying they were going to die without it. second If you think you won't go into dept having insurance then you don't understand how insurance works. It isn't oh I pay this and everything is covered. You kids really don't understand how insurance works.

I have insurance, my wife has insurance, she went to the emergency room over a kidney, stone, still had to pay 1,000 dollars, how many of you burger slingers could afford that?

Burger slinger? I run a gallery and live a block from one of the most gorgeous beaches in America. I literally have nothing but free time to enjoy myself and take care of my mother. And I pay for my own insurance.

What I'm not is someone whose frail ego is tied to how much better I'm doing than everyone around me. What I am is someone who when he sees others in need of help, I offer a hand rather than sneer. What I am is someone who wants everyone around me to live a great life where they don't need to worry about going bankrupt if they get fucking sick.

Now crawl back into your hole.

[zenkai]

https://www.healthcare.gov/see-plans/

[kail]

And how did they manage before Obamacare?

It's called debt, which something we are trying to avoid.

[Tennis]

I'm not the one who's life depends on this. I'm Canadian, I have free health care.

In fact, if I lived in the US, I'd be screwed. I'm asthmatic, I have several allergies, I'm on an anti-depressant and I also have anxiolytics.

The amount of treatment and tests I had to go through my childhood are simply outstanding. My family would've never been able to afford the bill in the US.

But if Trump has no plan to replace Obamacare, he's going to face a tremendous amount of problems.

I had some health issues in the past and had to see some specialists and had a few MRIs done among other things. I can't imagine if I needed to pay for that out of pocket. It just wouldn't be fair in a society to make a university student pay for thousands of dollars in medical fees on top of tuition. It's a shame Americans are allowing this and not voting these people out.

[Crissi]

No caps, some of the other stuff you said is all good stuff. However, the cost of many plans (obamacare plans) are stupid high. High premiums and 10-15k deductibles are basically just catastophe plans. So... I'll go back to my opinion that Obamacare was about taking away mediocre to average plans away from people in the lower middle class who had some kind of plan at their somewhat shitty benefits job, replacing them with catastrophe plans that are too expensive to actually use, then getting anyone who didn't have a healthcare plan free healthcare. It simply shifted the day to day difficulty from the poor to the lower middle class, which may "break" those middle classers, but at least they now have protections from catastrophe.

Well when older and sick people sign up, but young and healthy don't, premiums are bound to go up because the insurancvce's costs sky rocket in comparison to their income.

Get more young and healthy to sign up even though they don't need it, and premiums likely stabilize. Seems the fine currently isnt doing enough of that.