Palum
what Suineg set it to
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Health Care Thread
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zzeris
King Turd of Shit Hill
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The insured rate is a bit deceitful too. 21 statistics on high-deductible health plans
So, you can be one of those wonderful stats that Obama lovers enjoy promoting non-stop...and still have higher insurance, cause higher debt for both insurers and providers, and also be up the creek with no paddle.
People are focusing on making sure everyone is covered, and some don't want to be. The increased costs aren't being covered and as Palum just reiterated, companies are leaving because it's total shit. 20% of the population uses 80% of the costs but they only worry about, "who isn't covered? Let's not deal with the rampant cost increases, focus on more coverage!" Dumb as fuck.
So, you can be one of those wonderful stats that Obama lovers enjoy promoting non-stop...and still have higher insurance, cause higher debt for both insurers and providers, and also be up the creek with no paddle.
People are focusing on making sure everyone is covered, and some don't want to be. The increased costs aren't being covered and as Palum just reiterated, companies are leaving because it's total shit. 20% of the population uses 80% of the costs but they only worry about, "who isn't covered? Let's not deal with the rampant cost increases, focus on more coverage!" Dumb as fuck.
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Luckily this imploding disaster is about to get fixed, if they can get everyone on board with repealing this crippled disaster.
When asked what advice he would have for current Medica customers in Iowa, Bartsh replied: “Call your elected officials.”
Clearly, the insurance industry needs more money in these tumultuous times.
TJT
Mr. Poopybutthole
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While the new Ryancare bill is shit. It will allow for the reorganization of people into risk pools. Thus pricing people out of the market and lowering prices for others.
I haven't read about high risk pools. Is it a government funded subset so we can pay for them indirectly?
TJT
Mr. Poopybutthole
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Do you even understand how the ACA functions? The intent of this reorganization is to price people out. Even if they qualify for subsidies.
The entirety of Ryancare can be summarized as thus:
"Squeeze out the lower end to decrease pressure on the middle."
So preex will remain but they'll be allowed to pool them such that they can't afford it with no plan for them to do so in place?
I would think they'd have a government fund subsidizing/covering the high risk pool so the industry can extract for money with the debt being delayed enough to cause no backlash.
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TJT
Mr. Poopybutthole
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Okay then you know that the ONLY reason insurance companies even agreed to enter the ACA market is because they were being paid cold hard cash through some funds such as the Risk Stabilization Fund. The intent of that fund was to balance out their actuarial tables so they would offer lower premiums to people.
From 2013 or so these funds have been 1/3 funded or so of their yearly target values. Thus, premiums increase and pressure upon middle class people in the ACA market increases. You know, people who regularly vote. So the point of Ryancare is to get a win for them so they can have a big shit talking point for getting reelected in 2018. Partly.
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TJT
Mr. Poopybutthole
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What you're talking about is the gap between Medicaid and the ACA itself. People who are still in that gap (on ACA but make too much to get Medicaid) are just going to get fucked. That's what Ryancare is doing.
And that's the point. The subsidizing fund for the high risk pool has been drying up for years. Why do you think the insurance companies went to Trump and told him to absolutely not defund the risk funds?
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TJT
Mr. Poopybutthole
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They don't matter when your constituents are paying $600 extra a month to support those people and you can decrease it by $300. They'll vote for it.
Sympathy ain't worth a not insignificant portion of their monthly income. This is even before the death spiral the ACA creates by pushing huge costs onto single healthy males who just drop out of the market because who the fuck would pay $400 a month for insurance at age 22?
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zzeris
King Turd of Shit Hill
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Most of them are outliers. There are tons of problems they have to fix but focusing on ensuring everyone is covering while the costs are skyrocketing is bad. It sends the message that you either aren't understanding a huge problem for many people or just don't give a shit. When you have Kimmel pushing a political stance as an extremely wealthy person, and he doesn't mention the rest of the problem, that is some partisan bullshit.
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Xequecal
Trump's Staff
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There's also the fact that Ryancare/Trumpcare replaces percent-based subsidies with flat amounts. This reduces the amount of subsidy for people that live in areas with high costs of living (city voters that vote Democrat) and increases the amount of subsidy for people that live in areas with low costs of living. (Rural voters that vote Republican.) Before Obamacare I bought individual insurance straight out of college for $93/month. Ryancare would have given me a $2,000 refundable healthcare tax credit, or a free $884 check every year. So Ryancare is basically cutting checks to young people to try and get them to vote Republican.
ronne
Nǐ hǎo, yǒu jīn zi ma?
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So this is my current employer healthcare that I use, spoiler for big formatting:
How does this stack up vs someone without employer provided care trying to buy an individual plan, that is presumably required of them under the ACA? The hypothetical like 45k/year contractor or whatever, is he looking at ~325$/month to cover himself? More? Even at 325$ I'm not sure how you convinced that person to buy in if they are at all a healthy individual; that's a huge chunk of your income going to "nothing", to then still have deductibles and minor expenses if you do land in the hospital or whatever.
If the individual plan is indeed this price, or more, when wtf do you do? That's not really a realistic monthly cost for most people. Trying to force them in to that seems retarded, cause if it were me I'd eat literally any fine or penalty or whatever as long as it was less than monthly premium, because jesus would that be a lot of money at ~40k/year. Shit I make like double that and I still would have a hard time wanting to pay more than what I am now.
Is there even a realistic way to reduce premium costs?
Benefits Summary
Deductible
$500
Copay
$30
Coinsurance
20%
Specialist Copay
$30
Out of Pocket Maximum
$2,500
Medical Cost Breakdown
BlueChoice PPO
You
$145.89
Employer
$178.31
Total Cost
$324.20
*Per month
Deductible
$500
Copay
$30
Coinsurance
20%
Specialist Copay
$30
Out of Pocket Maximum
$2,500
Medical Cost Breakdown
BlueChoice PPO
You
$145.89
Employer
$178.31
Total Cost
$324.20
*Per month
How does this stack up vs someone without employer provided care trying to buy an individual plan, that is presumably required of them under the ACA? The hypothetical like 45k/year contractor or whatever, is he looking at ~325$/month to cover himself? More? Even at 325$ I'm not sure how you convinced that person to buy in if they are at all a healthy individual; that's a huge chunk of your income going to "nothing", to then still have deductibles and minor expenses if you do land in the hospital or whatever.
If the individual plan is indeed this price, or more, when wtf do you do? That's not really a realistic monthly cost for most people. Trying to force them in to that seems retarded, cause if it were me I'd eat literally any fine or penalty or whatever as long as it was less than monthly premium, because jesus would that be a lot of money at ~40k/year. Shit I make like double that and I still would have a hard time wanting to pay more than what I am now.
Is there even a realistic way to reduce premium costs?
Woefully Inept
Ssraeszha Raider
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My wife has insurance through work that covers me, her, and our son. I forget exactly how much per month but it's over $400 out of her check with a $4k deductible. Before last year we had like a $500 deductible then last year it exploded to $4k. Her school helped pay half the deductible last year and this coming year we really don't know yet how much or if at all they'll help with the deductible. So glad we just have $4k sitting around to pay for that shit.
TJT
Mr. Poopybutthole
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At the beginning of this year it was ~$450/month for a single, 24 year old, non smoking male making $50k a year. This is in Arizona.
Siliconemelons
Avatar of War Slayer
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Who was this fool that was up and said "X# of people will have NO ACCESS to healthcare!!"
WAT.gif
Shitty high deductable plans were and most likely still will be available from providers
-- passed the house, senate time
WAT.gif
Shitty high deductable plans were and most likely still will be available from providers
-- passed the house, senate time