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Re: OBAMACARE

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Message 11 of 74

@williamb39198 wrote:

Repubs and trump have done all that they can to undercut and get rid of the ACA for eight years now. What if they had spent the last eight years to improve it. And why not start a commission to look into and recommend improvements

or what system might work well. Let professionals and knowledgeable people have at it!

What are trump and repubs afraid of?...

they are the biggest roadblock. 

 

 

Not afraid of, opposed to - Socialism.

 

One does not establish a Commission to recommend improvements to Socialism, you avoid it. Remember the "little bit pregnant"  comparison. Remember, Obama did not consider Obamacare to be the end target. It was just a way to get to Socialize medicine.


 

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Message 12 of 74

@williamb39198 wrote:

 

 

@rk9152

I’m concerned...you are referring to yourself in the third person a lot, kinda like trump does! Please be careful. 

 

Never Forget


You'll have to be more specific.

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Re: OBAMACARE

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Message 13 of 74

@gordyfl wrote:

However, as things are, if a 47 year old man who has been working and making good money but never bought insurance and suddenly gets a bad diagnosis should not be entitled to anything. It's like calling the insurance company as the fire department arrives at your burning house.

 

"Has been working and making good money". If he's not making "good money" and goes without health insurance, gets very sick and decides to scrape enough money together to buy insurance, the insurance company will deny him a health insurance policy. The insurance company becomes the "death panels".

 

With the ACA, if you become very sick, you have to wait for the next enrollment, but you won't be denied.

 

And with universal healthcarre, no death panels - at all.

 

healthcare death panels.jpg

 

 

What about the guy who could afford it but opted out?  As you said, with ACA you could freeload for decades and then when you need it, somebody else pays for it.

 

 


 

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Re: OBAMACARE

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Message 14 of 74

Repubs and trump have done all that they can to undercut and get rid of the ACA for eight years now. What if they had spent the last eight years to improve it. And why not start a commission to look into and recommend improvements

or what system might work well. Let professionals and knowledgeable people have at it!

What are trump and repubs afraid of?...

they are the biggest roadblock. 

 

Never Forget

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Re: OBAMACARE

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Message 15 of 74

@GailL1 wrote:

@williamb39198 wrote:

@GailL1

You are dancing all around the healthcare issue. This only adds to the confusion. What are you proposing and how would we make it work. I am for single payer or Medicare for all...I’m sure that we could make it work, if our legislators would be serious in finding a solution for healthcare, free market will not work. What’s the plan?

 

 


 

Why do you think I am dancing around the healthcare issue - I am just giving an alternative as it exist in another country - Australia - they have universal coverage.  A hybrid system of both a public and private system.

 

There are other type systems that work too.  In Australia, about half the population is on the public system and the other half is in the private system.

They are mandated to have coverage or face these surcharges.  

 

In Australia, everybody gets the same basic healthcare benefits.  They pays taxes to support the public healthcare system.  If they want something a little different or covers a bit more, they buy private coverage which covers somethings a little better - like a private room in a hospital rather than a ward or semi-private room which you get in under the public system.  

 

Germany has a hybrid system too as well as many other industrialized OECD countries.

 

The only thing that has been ruled on in this ruling is the tax penalty supporting the mandate - there are other ways to penalize a person for not getting coverage other than a tax penalty.  We already have them in our Medicare - a premium surcharge that last forever if a person fails to sign up for Medicare Parts B and Part D in a timely matter.

 

But there is lots wrong with Obamacare - because premiums have escalated so much, because deductibles have gotten so high, people who don't get a subsidy are dropping out of the ACA plans.  They are opting for other type coverage - MediShare type plans, now short term plans or perhaps nothing at all.  Young people weren't signing up either.  

 

Much of of the law has been postponed and not just by the Republicans either.

 

We need to take this time to reevaluate and make changes to make the (whatever) public/private system that we have now much more workable.  

 

I do not believe we will ever go to a single payer system - it is too far from what we have now and I do not think many, probably most, would accept the changes necessary to make it work, specifically hospitals, doctors, specialist, pharma or those who are seeking something that wouldn't possibly be covered under a basic healthcare single payer system.  

 

If we feel the need for a mandate and a penalty to go along with it - we need one that at least has some teeth to it.

 

 


The problems with the ACA now have been caused by Trump and the far right as they have been taking apart the ACA little by little and you can not do that and have a system that works. It started when States were allowed not to expand Medicare like GA refused to do. It kept going when Co-Ops funding was changed from grants to loans so most Co-Ops went under due to not meeting state laws for capital funding due to the grants now having to be treated as liabilities. You have to understand health care to get into details and we have experts who do and they should be allowed to do their work.

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Message 16 of 74

@williamb39198 wrote:

@GailL1

You are dancing all around the healthcare issue. This only adds to the confusion. What are you proposing and how would we make it work. I am for single payer or Medicare for all...I’m sure that we could make it work, if our legislators would be serious in finding a solution for healthcare, free market will not work. What’s the plan?

 

 


 

Why do you think I am dancing around the healthcare issue - I am just giving an alternative as it exist in another country - Australia - they have universal coverage.  A hybrid system of both a public and private system.

 

There are other type systems that work too.  In Australia, about half the population is on the public system and the other half is in the private system.

They are mandated to have coverage or face these surcharges.  

 

In Australia, everybody gets the same basic healthcare benefits.  They pays taxes to support the public healthcare system.  If they want something a little different or covers a bit more, they buy private coverage which covers somethings a little better - like a private room in a hospital rather than a ward or semi-private room which you get in under the public system.  

 

Germany has a hybrid system too as well as many other industrialized OECD countries.

 

The only thing that has been ruled on in this ruling is the tax penalty supporting the mandate - there are other ways to penalize a person for not getting coverage other than a tax penalty.  We already have them in our Medicare - a premium surcharge that last forever if a person fails to sign up for Medicare Parts B and Part D in a timely matter.

 

But there is lots wrong with Obamacare - because premiums have escalated so much, because deductibles have gotten so high, people who don't get a subsidy are dropping out of the ACA plans.  They are opting for other type coverage - MediShare type plans, now short term plans or perhaps nothing at all.  Young people weren't signing up either.  

 

Much of of the law has been postponed and not just by the Republicans either.

 

We need to take this time to reevaluate and make changes to make the (whatever) public/private system that we have now much more workable.  

 

I do not believe we will ever go to a single payer system - it is too far from what we have now and I do not think many, probably most, would accept the changes necessary to make it work, specifically hospitals, doctors, specialist, pharma or those who are seeking something that wouldn't possibly be covered under a basic healthcare single payer system.  

 

If we feel the need for a mandate and a penalty to go along with it - we need one that at least has some teeth to it.

 

 

* * * * It's Always Something . . . Roseanne Roseannadanna
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Message 17 of 74

@GailL1 wrote:

@gordyfl wrote:

However, as things are, if a 47 year old man who has been working and making good money but never bought insurance and suddenly gets a bad diagnosis should not be entitled to anything. It's like calling the insurance company as the fire department arrives at your burning house.

 

 

With the ACA, if you become very sick, you have to wait for the next enrollment, but you won't be denied.

 

 

 


No, he could just move - this creates a Special Enrollment Period where he could sign up right away - no penalty, no waiting for the next enrollment period, no denial of any sort and he gets it at the same price as anybody else in the area with only an adjustment based on his age.   So I guess it just depends on the nature of the situation and how bad he might need to sign up for a plan right away.

 

He could even be a 5-pack a day smoker, over-weight, no exercise except for going to the frig and getting a 6-pack while camped out on the couch watching TV.  

 


Suggest you read your answer. If what you say was followed the cost would increase to everyone in  the rating pool. All the people would pick up the cost of that indv. It is what was called buying a claim, and insurance is not based on that. The Pre EX was created to prevent people from waiting to they know they will need medical help and then buying Insurance. If everyone did that the cost of Insurance would be the same as if you did not have insurance. You really need to learn what Insurance is and how it works because it does not work the way you outline.

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Message 18 of 74

@GailL1 wrote:

As is often repeated here, other countries have universal health care and not all of them are of the single payer type - some are hybrids of public/private systems.  These other countries have various ways of forcing their citizens to get covered and stay covered without relying on a tax penalty.

 

Let's take Australia - they use a premium surcharge - similar to what our Medicare does with late sign ups for Medicare Part B and/or Part D - an amount added on to the monthly premium for signing up after a stated deadline.

 

Australian Private Health.gov.au.- Lifetime Health Cover"

 

To explain it this ABC.net Austrailian site simplifies it for these young people being affected:

ABC.net.au 04/05/2017 - What to make of private health insurance if you're about to hit your 30s

 

from the link - a little out of order since I am putting the explanation of the policy 1st -

p.s. "Medicare" is what they call their public system.  - Austrailia has both a public system and a private system.

 

What's the point of the Lifetime Health Cover initiative?

 

The basic idea is that the more people who have private health insurance, the less reliance there is on the government-funded Medicare system. Currently, about half of all Australians have private health insurance.

 

But there's another reason the Federal Government wants younger people to have private health insurance: this makes it cheaper for everyone else.

 

That's because younger people are effectively subsidising the cost for older people, who pay the same amount for private health insurance but are more likely to be using it.

 

"Your young self is subsidising your older self, because in 50 years time you'll be wanting younger people to be subsidising your insurance," said Stephen Duckett, a health policy expert at the Grattan Institute.

 

Isn't there also a Medicare levy surcharge?

Yes.

Dr Duckett says this is actually the main thing you should consider when looking at whether private health insurance is worth it to you.

The surcharge kicks in at $90,000 income for singles and $180,000 for families. It starts at 1 per cent of your income and rises to 1.5 per cent for the highest earners.

So if you’re single and your taxable income is $90,000, that's an extra $900 that you have to pay in tax.

But you don't have to pay this surcharge if you have private health insurance.

 

If you're about to hit your 30s and you haven't yet got private health insurance, we've got bad news: either you get it now, or it'll become increasingly more expensive if you ever do decide to get it down the track.

 

You can blame the "Lifetime Health Cover" initiative for that. Basically, the Federal Government is trying to force your hand.. . . .

 

When do I need to decide by?

 

If you want to avoid paying more in the future for private health insurance, you'll need to decide by July 1 following your 31st birthday.

 

How much more will private health insurance cost in the future if I don't get it now?

If you decide to get health insurance later, you'll need to pay an extra 2 per cent for each year you didn't have hospital cover over the age of 30.

It adds up. By the time you're 40, that's an additional 20 per cent.

The cost of top family hospital cover averages about $4,500 annually, while for singles it's $1,250. So a 20 per cent loading means you'd be paying an additional $900 and $250, respectively.

 

read more at the above link ~

 


Here is the fact Australia requires all to have health Insurance. You are either in the Govt. Program or in a Private Program. They want more in the private program early in life so they surcharge for age which is no difference in this country. If you buy medical insurance as an Indv. your age effects the rate you pay. In group Insurance the age can be a factor also only it is the average age of the group. Medical costs are higher for people as they age since they use it more. Your support also tells all that if you are not in the govt. paid for (Taxes) program it is cheaper to the entire system. They want to reduce the number in what I call our ER Care system. In both countries everyone has access to medical help. What you leave out is how they regulate their private Carriers. We do a poor job as there is a lot of fat like high executive salaries etc. Now we do require an 80% loss ratio, which used to be around 60% on average before the ACA, and is about 95% in Medicare. In this country we have a program that works Medicare. Now that is where our starting point should be. If someone can come up with a cheaper approach great, if not move to what works. Medicare for all approach.

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Message 19 of 74

@gordyfl wrote:

However, as things are, if a 47 year old man who has been working and making good money but never bought insurance and suddenly gets a bad diagnosis should not be entitled to anything. It's like calling the insurance company as the fire department arrives at your burning house.

 

 

With the ACA, if you become very sick, you have to wait for the next enrollment, but you won't be denied.

 

 

 


No, he could just move - this creates a Special Enrollment Period where he could sign up right away - no penalty, no waiting for the next enrollment period, no denial of any sort and he gets it at the same price as anybody else in the area with only an adjustment based on his age.   So I guess it just depends on the nature of the situation and how bad he might need to sign up for a plan right away.

 

He could even be a 5-pack a day smoker, over-weight, no exercise except for going to the frig and getting a 6-pack while camped out on the couch watching TV.  

 

* * * * It's Always Something . . . Roseanne Roseannadanna
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Message 20 of 74

@GailL1

You are dancing all around the healthcare issue. This only adds to the confusion. What are you proposing and how would we make it work. I am for single payer or Medicare for all...I’m sure that we could make it work, if our legislators would be serious in finding a solution for healthcare, free market will not work. What’s the plan?

 

@rk9152

I’m concerned...you are referring to yourself in the third person a lot, kinda like trump does! Please be careful. 

 

Never Forget

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