ba$eman posted:No, you are a fool to think that's what I'm saying. But you have no solution that it viable except the Govt take over, which is also fine. You are coming from a welfare mindset where people do not take responsibility then someone has to pay up when the shit hits the fan. This does NOT how it works in a risk-based insurance model.
You think you know everything and if one does not agree with your model, then they don't know anything. I know very well how it works. I also know the impact on people and small businesses, which have been stunted due to this.
Listen Caribj, the ONLY beneficiaries of Obamacare are the don and out welfare class, not anyone making 400% of poverty, that's approx $60k/pa, a hardly livable wage when you have to fork over 1,200 per month in premiums and 2,500 deductible. You have no clue of what you speak, you spout hot air and sheer nonsense.
Listen again Caribj, your conceptual position is flawed, so you speak from a flawed position from the inception. So you are wrong, regardless how much you write and how you try to frame the issue.
The uninsurable needs to be put in a separate pool (State/Fed Medicaid), people/kids who have serious lifelong chronic conditions, etc. They should not be dumped on the insurance Companies as the premiums are unaffordable for the families. The poor people with high costs should also be part of the Govt Medicaid pool and not for the market insurance. People who chose not to take out insurance and then falls ill, stick them with the bill. You cannot force the insurance companies to take on a known certainly and pass it on to everyone.
Caribj, you are stuck in the social engineering mindset that is Obama so you don't see it, you just don't. Obamacare is a big disaster.
And look at you, cussing the doctors and Pharma companies. Don't blame the Pharma companies, clear up the frigging generic backlog and get the prices down for non-exclusive drugs. For exclusive drugs, yes ensure fair pricing for everyone, they need to have a return and the population needs access. However, don't make stupid political statements, it solves nothing.
If you put the uninsurable into a pool, where they aren't diluted by healthy low utilizers of healthcare then they will be extremely expensive to insure. Are you going to allow your income taxes to be increased, because surely you cannot expect those people to afford this coverage? The only way that government can pay for this is if they tax you more.
I suspect you want the pre Obamacare days when INDIVIDUAL health insurance used to cost $1600/month because only sick people bought it. Note to you. In NYS this coverage now costs around $650.
And what of WORKING people, whose employers cannot afford to provide them with health insurance, and who don't earn enough to buy insurance to cover their families ($2,000/month).
I will make it easy as you are a racist. All of these underpaid Guyanese Indians working in those small Guyanese owned businesses. If they earn enough not to get Medicaid, but don't have $2,000 to buy health insurance for their families then what are they expected to do?
As it is Guyanese Indians have legions of health problems, diabetes being but one. Very expensive diseases to treat if one doesn't get ongoing primary care from a doctor. Uninsured people only access healthcare when they get very sick. Usually in the ER. I had a severe injury once and had to go to ER. I was amazed as to how many people were there to deal with diabetes and blood pressure issues. From the minute that you walk into ER a $1,000 bill is triggered.