That is how insurance systems work. Also this is the reason why you only give the right to choose whichever insurance people want to those with uninterrupted coverage. This is to make everyone pay in and prevent you from insuring yourself only once you get sick. The idea of "high-risk pools" will just make coverage unaffordable for those who currently need it, thus making it a system that only benefits the insurer, because they can take money from the healthy and push the sick into plans they can't afford.
Living in a country with universal health care, I find it astonishing that there seems to be no major political figure in the US (well other than Bernie Sanders I guess) who wants such a system. The US pays more per capita for health care than any other developed country (to confirm here by the OECD on page 46), while still only being on rank 42 for life expectancy and very far into the hundreds for other health indicators like infant mortality (169) and maternal mortality (136). Source.
I understand that a lot of americans are not exactly happy with ACA, because it is a bandaid at best, but with the system you have right now, you are financing the pharmaceutical companies of the world and thereby lower the prices for medicine for other countries, because they can bargain harder without actually hurting the little research these companies actually do and pay for themselves. Your president would call that a bad deal I guess.
But I am talking about someone who gets cancer and doesn't have health insurance. He then goes to a health insurance provider knowing he has 1 million in expenses coming soon. The health insurance company would rather not pick him up since it would basically be losing a million dollars by signing with him. However, the government is forcing the insurance company to just pick up the tab. Although we don't want people dying in the streets is that really fair to the company? So the first company that the person goes to loses? Might as well just close your doors and business.
That is why these provisions require uninterrupted coverage, together with an insurance mandate that makes everyone who is on social security or wage earning have insurance. As far as I know there is no system that works like the one you described and there is no suggestion to install one. There are rather obvious problems with the systems that exist, for example a tendency towards a "race to the bottom" scenario, where you exclude everything from your plan that isn't mandatory and people that develop things you don't cover go to other companies.... but those can usually be circumvented.
If you know that there is a system were the problem described by you exists, please provide us with a source for that.
The level of raw dishonesty from you is just astounding. You lied and you refuse to take responsibility for it, instead you dig further with more lies and deception.
You stated: "Even if insurance rates dropped (they didn't)"
THIS IS A LIE. YOU ARE A LIAR. Own up to it. You lied.
As I've said, premiums are always increasing, but the fact remains that premiums rise after ACA have been lower than before the ACA and would be lower than if the ACA had not been implemented. In addition, the middle class can afford their premiums because most people get subsidies and the ACA subsidies fully offset all premium hikes.
You have ignored this because you have no counterargument.
As for Gruber's comment, he is talking about hypothetical premiums for next year rising as a result of Trump's sabotage and threatening to withholding CSR payment and creating mass uncertainty, it has nothing to do with the fact that premium rises are lower under the ACA than before, which is 100% true, and is entirely due to Trump's sabotage. Trump wants to destroy the ACA and screw the people who use it.
So, no, everything you've said is wrong. Get a clue.
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It has gone up lower than before the ACA. Stop lying you dishonest hack.
And it makes sense that premium hikes are lower than before, the mandate brings healthy people in the pool pushing down premiums, and ACA has reduced healthcare inflation to record lows which drives down the cost of healthcare.
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LOL. Right-wing hacks that wants Trumpcare, 24M having their health insurance, tens of thousands of sick people dying pretends to care about care about people!
ACA is near universal healthcare. But such is your level of partisan hackery and hate for Obama, that you've been reduced to spewing lies, advocating ripping away healthcare, while claiming to want to help people! The same sort of pure hypocrisy and dishonesty as the GOP.
Last edited by paralleluniverse; 2017-05-08 at 02:34 PM.
You don't understand what the difference is between premiums and "insured is".
Your Logic in a nutshell - "Hey give we give everyone free insurance with $100,000 dollar deductibles it's a great thing because everyone will be insured!"
LOL yeah I can't even take you serious anymore, you have 0 idea how healthcare works. Pathetic no reason to talk about something you clearly don't understand and refuse to understand.
Obamacare premiums to soar 22%
Healthcare cost soar
Last edited by zenkai; 2017-05-08 at 02:36 PM.
Hey, liar. When are you going to admit you lied? You stated: "Even if insurance rates dropped (they didn't)." THIS IS A LIE.
And no, that's not my logic, liar. There are no "$100,000" deductibles under ACA. ACA actually caps out-of-pocket costs, which includes deductibles, at $7150 for individuals. Moreover, deductibles are further reduced by CSRs. In addition, all plans have minimum essential benefits.
So this argument that ACA plans are bad with high deductibles is bogus, you've regurgitated a right-wing lie that you've been brainwashed in believing. But you clearly didn't know! You've just accidentally revealed how ignorant you are. Oops!
Premiums increasing by 22% is still lower than before ACA. In addition, that's not even how much most people pay because most people get subsidies that fully offset all premium hikes such that an increase in 22% is basically the same as an increase in 0%. You've dodged this fact 3 times, because you have no counter-argument.
In conclusion, thanks for revealing yourself as being totally clueless. Get a clue before you embarrass yourself further. It's clear that you don't have the ability to even argue with me given that you don't even argue, you just dodge the points you can't counter.
This 22% premium story is also something I've thoroughly debunked in the past:
Last edited by paralleluniverse; 2017-05-08 at 02:59 PM.
The only healthcare right of Obamacare is no healthcare. The reason why ACA sucks, is because it's a republican's spin on healthcare. And the only way to fix it is move closer to single payer.
Most Americans are dumb enough however that they'll let their tax dollars get spent to give a billionaire to buy another yacht, but don't want it spent to give a sick child w/ cancer chemo. The greatest trick the GOP pulled is to teach millions of dumb conservatives to pay them to destroy their jobs, their industries, their education systems, and the life expectancy of their children. Conservatives are so ingrained as a servant class, they find the idea of spending their tax dollars to improve their own country disgusting.
Mistweaver Tax noun 1. The effect of both high mana costs, and lack of utility, coupled with requiring specific talent combinations to compete with other healers, while still not being able to compete with toolkits said healers have baseline in any competitive area.
This is actually pretty clever. Australia is a VERY conservative state when it comes to immigration. Trump could come back and say that the healthcare works there because they do have such tight restrictions on immigration.
Because no political figure (on either side) really wants to implement single payer (universal health care) because of the jobs it will destroy. Frankly, I would think Democrats want to continue to hold on to the dream of single payer so they have something to divide the country with.
Like it or not Universal Health Care is the future. Why? Because people get treated anyway, and leave the bill at the hospital. Then they let hospitals try to collect on them all they want. This is what people do when they have no money and are sick. To continue what the Republicans want is a self defeating system. You're either going to put Americans in debt, or the government will be in debt. For what, to support a failed health care system?
There are things that can be done to ease America out of the health insurance industry. For one, they can all work for the government. You need people to manage the health care system anyway. Two, you allow both to exist, but private insurance can offer better doctors and better services. If you pay money, you get more. Third, get ex employee's on Basic Income. Europe seems to be warming up to the idea, so why not US?
Did you expect anything different from Mr. "I don't stand by anything" Trump?
Plus he's come out in support of universal healthcare/single payer before so this is actually a surprising display of consistency for once.
Look, you dont have to preach to me, I am just telling you what I see. I see two parties who are not willing to do anything about it. They would rather pay lip service to it and tweak the system here then actually implement single payer. Single Payer will mean the end of a Trillion dollar industry and most the jobs that go with it. Democrats dont want that.
Politicians would rather make it easier to afford insurance with subsidies than to implement single payer. It is the same way with College, make it easer to afford college through loans then implement single payer.
Yes it is easier to blame it on Republicans then to actually implement single payer. It is why they all talk about have universal healthcare, but no actual plan to get there.