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Expert
Posts: 1956
   
Location: Ky | streakysox - 2016-10-26 7:49 AM Obama care was a ploy to help the insurance companies. $3000 deductible is insane while you are stil paying the monthly premiums. This was put into effect illegally anyway. Any candidate but Hillary.
Lot of truth in that. W signed the MMA, Medicare Modernization Act, into law as a gift to the insurance companies. That was the beginning of privatizing medicare. It's a been a boon to the insurance companies. Big burden on the taxpayers.
When Bill Clinton wanted national health care he wanted a single payer system. Which is really the only viable option if a country is to have national health care.
The reason Clinton couldn't get it passed was because the insurance companies weren't involved and they fought it tooth and nail. They spent billions on advertising against it and filled the pockets of connections to lobby against it.
Obama als wanted single payer but he knew it couldn't be passed against the insurance companies. So he included the insurance companies. They then filled the pockets of connections to lobby for it.
It will always be a mess if the insurance companies run it.
If you are opposed to this stuff then Trump is certainly not the answer. He is more of a democrat than Hillary ever thought about being. But even if he wasn't, he would not lift a finger to repeal national healthcare now that we have it.
It's pie in the sky thinking to believe that there will be a nickel's worht of difference no matter which one wins the white house. | |
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 Some Kind of Trouble
Posts: 4430
| On the subject of premiums... my current plan is being discontinued and neither through my current company OR the marketplace, are there even any plans in existence that offer my current coverage! My boss wants us to have good low deductible plans and has paid heavily to allow it and they are now not even offering me plans with deductibles lower than $5-6,000 at any price!? Has anyone else run into this? | |
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 Hugs to You
Posts: 7550
Location: In The Land of Cotton | jd&ez - 2016-10-26 3:05 PM streakysox - 2016-10-26 7:49 AM Obama care was a ploy to help the insurance companies. $3000 deductible is insane while you are stil paying the monthly premiums. This was put into effect illegally anyway. Any candidate but Hillary. Lot of truth in that. W signed the MMA, Medicare Modernization Act, into law as a gift to the insurance companies. That was the beginning of privatizing medicare. It's a been a boon to the insurance companies. Big burden on the taxpayers.
When Bill Clinton wanted national health care he wanted a single payer system. Which is really the only viable option if a country is to have national health care.
The reason Clinton couldn't get it passed was because the insurance companies weren't involved and they fought it tooth and nail. They spent billions on advertising against it and filled the pockets of connections to lobby against it.
Obama als wanted single payer but he knew it couldn't be passed against the insurance companies. So he included the insurance companies. They then filled the pockets of connections to lobby for it.
It will always be a mess if the insurance companies run it.
If you are opposed to this stuff then Trump is certainly not the answer. He is more of a democrat than Hillary ever thought about being. But even if he wasn't, he would not lift a finger to repeal national healthcare now that we have it.
It's pie in the sky thinking to believe that there will be a nickel's worht of difference no matter which one wins the white house.
But why do those of you who support Hillary think it is okay for these premiums to sky rocket like this?
Why do you think it is okay for people who make more -to have to pay more?
Where is the logic in this? | |
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 Proud to be Deplorable
Posts: 1929
| Anniemae - 2016-10-26 1:48 PM
Frodo - 2016-10-26 11:04 AM GLP - 2016-10-25 6:49 PM Frodo - 2016-10-25 3:25 PM vjls - 2016-10-25 2:51 PM scwebster - 2016-10-25 3:08 PM Why is this happening? We need to stop it, and quickly. why  beacuse those senators and respresative that we re elect every timethey are up could not be boathered to read it vote the sob out They should never voted for it since they couldn't read it - so it's still on them. Heck we knew it would be bad, so did they, yet they voted for it against our wishes.
Â
And that is my issue with the GOP. Â They control the House, Senate, the majority of governorships AND control the majority of state congresses. Â Yet, they have done NOTHING to correct the healthcare system! Â So much easier (and beneficial to them) to blame the Dem's, then to get off their collective asses and fix healthcare. Â Yes, the democrats voted in this outrageous bill. Â What happened to all those promises from our Senators and Congressmen about repealing or fixing Obamacare? Â Isn't that why we voted them into office? Â Again, not a single bill has been passed through the House and Senate on healthcare. Â Who's fault it that??? Â
You are not correct Congress did pass and send a bill to repeal Obama care on Jan 7 2016. Obama vetoed it. There where not enough votes to over ride the veto. The only way you are going to get rid of this crap law is to control both houses and the Presidency. If Hillary win's this thing will never go away. | |
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Location: Not Where I Want to Be | streakysox - 2016-10-26 8:49 AM Obama care was a ploy to help the insurance companies. $3000 deductible is insane while you are stil paying the monthly premiums. This was put into effect illegally anyway. Any candidate but Hillary.
yeah, that would be the exact oppisite of what ACA was.
It was intended to to put them out of biz
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 Expert
Posts: 1857
| Dodge629 - 2016-10-26 2:11 PM
On the subject of premiums... my current plan is being discontinued and neither through my current company OR the marketplace, are there even any plans in existence that offer my current coverage!  My boss wants us to have good low deductible plans and has paid heavily to allow it and they are now not even offering me plans with deductibles lower than $5-6,000 at any price!? Has anyone else run into this?
The company can use an HRA to reimburse the employee, keeping the employee's deductible more reasonable, and save themselves money because most employees won't reach the high deductible. Employee's are happy and employer is saving some money by not purchasing a low deductible plan.
Example: The employer goes with a plan with a 5000 deductible, offsets that with an HRA of 4000, leaving the employee to pay only 1000. Because the employer is purchasing a cheaper high deductible plan and most employees won't even come close to reaching their 5000 deductible, the employer is saving money. It's like a partial self-funded plan.
Our company is a self-insured company. I pay $120/month, our deductible is 1300, its a 20/80, max out of pocket 5000. We also have an HRA of $600, so actually my deductible for the year is 700, plus we offer HSA which I put in 2000/year until I reached 5000, and then only put in 700/year. We are lucky our company is big enough and has the financial resources to do this, otherwise I would be paying close to $500 per month for a 6000 deductible, 20/80, max out of pocket 6300 and no HSA, HRA, or FSA.
Edited to add that these prices are from group plans so they are a little cheaper
Edited by FlyingJT 2016-10-26 2:55 PM
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Location: Not Where I Want to Be | 3canstorun - 2016-10-26 3:27 PM jd&ez - 2016-10-26 3:05 PM streakysox - 2016-10-26 7:49 AM Obama care was a ploy to help the insurance companies. $3000 deductible is insane while you are stil paying the monthly premiums. This was put into effect illegally anyway. Any candidate but Hillary. Lot of truth in that. W signed the MMA, Medicare Modernization Act, into law as a gift to the insurance companies. That was the beginning of privatizing medicare. It's a been a boon to the insurance companies. Big burden on the taxpayers.
When Bill Clinton wanted national health care he wanted a single payer system. Which is really the only viable option if a country is to have national health care.
The reason Clinton couldn't get it passed was because the insurance companies weren't involved and they fought it tooth and nail. They spent billions on advertising against it and filled the pockets of connections to lobby against it.
Obama als wanted single payer but he knew it couldn't be passed against the insurance companies. So he included the insurance companies. They then filled the pockets of connections to lobby for it.
It will always be a mess if the insurance companies run it.
If you are opposed to this stuff then Trump is certainly not the answer. He is more of a democrat than Hillary ever thought about being. But even if he wasn't, he would not lift a finger to repeal national healthcare now that we have it.
It's pie in the sky thinking to believe that there will be a nickel's worht of difference no matter which one wins the white house.
Why do you think it is okay for people who make more -to have to pay more?
Where is the logic in this?
You can't force single payer until you put the Health insurance industry out of business.
Once there is no other option you have Govt. run, single payer national heath care.
and Progressives and neo cons love that sheet.
Edited by 1DSoon 2016-10-26 2:51 PM
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Hugs to You
Posts: 7550
Location: In The Land of Cotton | 1DSoon - 2016-10-26 3:50 PM 3canstorun - 2016-10-26 3:27 PM jd&ez - 2016-10-26 3:05 PM streakysox - 2016-10-26 7:49 AM Obama care was a ploy to help the insurance companies. $3000 deductible is insane while you are stil paying the monthly premiums. This was put into effect illegally anyway. Any candidate but Hillary. Lot of truth in that. W signed the MMA, Medicare Modernization Act, into law as a gift to the insurance companies. That was the beginning of privatizing medicare. It's a been a boon to the insurance companies. Big burden on the taxpayers.
When Bill Clinton wanted national health care he wanted a single payer system. Which is really the only viable option if a country is to have national health care.
The reason Clinton couldn't get it passed was because the insurance companies weren't involved and they fought it tooth and nail. They spent billions on advertising against it and filled the pockets of connections to lobby against it.
Obama als wanted single payer but he knew it couldn't be passed against the insurance companies. So he included the insurance companies. They then filled the pockets of connections to lobby for it.
It will always be a mess if the insurance companies run it.
If you are opposed to this stuff then Trump is certainly not the answer. He is more of a democrat than Hillary ever thought about being. But even if he wasn't, he would not lift a finger to repeal national healthcare now that we have it.
It's pie in the sky thinking to believe that there will be a nickel's worht of difference no matter which one wins the white house.
Why do you think it is okay for people who make more -to have to pay more?
Where is the logic in this?
You can't force single payer until you put the Health insurance industry out of business.
Once there is no other option you have Govt. run, single payer national heath care.
and Progressives and neo cons love that sheet.
True - but they don't have the balls to write it out and/or say it on here. | |
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 Expert
Posts: 1612
Location: Cocoa, Florida | So I have a question, if I had full coverage insurance in 2016 at my old job, but I left to start my own business, when do I need to purchase my insurance? Will I get fined for every month I haven't had it until 2017? Or do I need to get it by the new year? I've heard both... | |
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Common Sense and then some
Location: So. California | JBhoot -
Yes, I am mistaken. 1 bill in 6 years, that had a snowball's chance if you are speaking of HR 3762.
https://www.congress.gov/bill/114th-congress/house-bill/3762
Well, at least we know that the GOP can pass 1 bill every 6 years!!  I'm so happy we are getting our monies worth out of this group!! 
Edited by Anniemae 2016-10-26 3:10 PM
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 BHW Resident Surgeon
Posts: 25351
Location: Bastrop, Texas | jd&ez - 2016-10-26 2:05 PM
streakysox - 2016-10-26 7:49 AM Obama care was a ploy to help the insurance companies. $3000 deductible is insane while you are stil paying the monthly premiums. This was put into effect illegally anyway. Any candidate but Hillary.
Lot of truth in that. W signed the MMA, Medicare Modernization Act, into law as a gift to the insurance companies. That was the beginning of privatizing medicare. It's a been a boon to the insurance companies. Big burden on the taxpayers.
When Bill Clinton wanted national health care he wanted a single payer system. Which is really the only viable option if a country is to have national health care.
The reason Clinton couldn't get it passed was because the insurance companies weren't involved and they fought it tooth and nail. They spent billions on advertising against it and filled the pockets of connections to lobby against it.
Obama als wanted single payer but he knew it couldn't be passed against the insurance companies. So he included the insurance companies. They then filled the pockets of connections to lobby for it.
It will always be a mess if the insurance companies run it.
If you are opposed to this stuff then Trump is certainly not the answer. He is more of a democrat than Hillary ever thought about being. But even if he wasn't, he would not lift a finger to repeal national healthcare now that we have it.
It's pie in the sky thinking to believe that there will be a nickel's worht of difference no matter which one wins the white house.Â
Spoken like a true Yellow Dog Progressive plebe. Socialism is the answer and the insurance companies are Satan incarnate......even though you sell insurance.....don't you? If Trump is "more of a Democrat then Hillary", why would you, Mr Yellowdog Democrat, vote for Hillary?
I'll grant you there is a smattering of truths in your remarks, but your simple solution is to turn it over to the government. 20% of our economy, to be more exact. Rather than identify precisely what's wrong with something, you prefer to turn it over to the most inept, incompetent, insolvent, corrupt enterprise the world has ever seen.....the United States Federal Government. | |
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Expert
Posts: 1857
| It's any/every month that you do not have coverage. If you qualify for the health coverage exemption, you don't have to pay the fine. If you have coverage for part of the year, the fee is 1/12 of the annual amount for each month you don't have coverage. | |
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Proud to be Deplorable
Posts: 1929
| Anniemae - 2016-10-26 3:07 PM
JBhoot -
Yes, I am mistaken. 1 bill in 6 years, that had a snowball's chance if you are speaking of HR 3762.
 https://www.congress.gov/bill/114th-congress/house-bill/3762
Well, at least we know that the GOP can pass 1 bill every 6 years!!   I'm so happy we are getting our monies worth out of this group!! Â
You do realize that the house has passed Obama care repeal over 50 times in one from or another since they took over in 2010 only to be blocked by the Harry Reid and the Dem's until the Republican's took control in 2014 don't you? The Dem's had all three branch's of the government when they passed this crappy bill and it's going to take the Republican's to win all three branch's of government to get rid of it. Unless you want to change the Constitution there are rules on how to get rid of a crappy law and it is not easy. The Dem's knew that when they rammed this down our throat's. | |
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BHW Resident Surgeon
Posts: 25351
Location: Bastrop, Texas | Progressives love to use Canadian healthcare as their gold standard. Well, we can talk about that. First, they pay plenty for their "free" healthcare. The people up there love their "free" healthcare. In as much as they are vastly more socialized than the US, don't be fooled. They too have their privileged class of plutocrats. Those are the people who flock to the US for their healthcare every time they fart sideways. They have their own "private insurance" that thrives off the wealthy. If you are lucky enough to survive the wait times, you might get adequate care. How many of you women have had a lump discovered in your breast, either on physical exam or mammography? I bet a lot. If so, then you realize why I consider the finding of a breast lump to be a psychological emergency. My personal policy is that a breast biopsy should be completed ASAP, because it is sheer misery to sit around wondering whether or not you have a malignancy growing in your breast for days on end. When I was practicing surgery, I always tried to have the biopsy done within 24-48 hours because it is sheer hell for a woman to sit around, wondering, prodding and poking herself. Roughly 80% of the time the biopsy is benign, but until and unless you know for sure, you suffer needless anguish.
Well, in Canada, according to their Frazier Institute, the median wait, across Canada is about 5 weeks. Does that effect survival? Probably not at all.....well, at least not for the vast majority. Yes, they might lose a rare patient because of this wait, but that is hard to prove. Do you see where I'm going?
Look this data over. It's fairly extensive, and Canada's own CBC (their nationalized broadcasting network) has referenced it many many times over the years:
https://www.fraserinstitute.org/studies/canadians-still-waiting-182-...
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 The Vaccinator
Posts: 3810
Location: Slipping down the slope of old age. Boo hoo. | Bear - 2016-10-26 4:34 PM
Progressives love to use Canadian healthcare as their gold standard. Well, we can talk about that. First, they pay plenty for their "free" healthcare. The people up there love their "free" healthcare. In as much as they are vastly more socialized than the US, don't be fooled. They too have their privileged class of plutocrats. Those are the people who flock to the US for their healthcare every time they fart sideways. They have their own "private insurance" that thrives off the wealthy. If you are lucky enough to survive the wait times, you might get adequate care. How many of you women have had a lump discovered in your breast, either on physical exam or mammography? I bet a lot. If so, then you realize why I consider the finding of a breast lump to be a psychological emergency. My personal policy is that a breast biopsy should be completed ASAP, because it is sheer misery to sit around wondering whether or not you have a malignancy growing in your breast for days on end. When I was practicing surgery, I always tried to have the biopsy done within 24-48 hours because it is sheer hell for a woman to sit around, wondering, prodding and poking herself. Roughly 80% of the time the biopsy is benign, but until and unless you know for sure, you suffer needless anguish.
Well, in Canada, according to their Frazier Institute, the median wait, across Canada is about 5 weeks. Does that effect survival? Probably not at all.....well, at least not for the vast majority. Yes, they might lose a rare patient because of this wait, but that is hard to prove. Do you see where I'm going?
Look this data over. It's fairly extensive, and Canada's own CBC (their nationalized broadcasting network ) has referenced it many many times over the years:
https://www.fraserinstitute.org/studies/canadians-still-waiting-182-...
I agree!!!!!
My Canadian friends tell me their health care is terrible and it is not free. The liberals try to make it all sound wonderful.... take a look at healthcare in Europe. Ugh. Read an article the other day about Euthanasia getting more prevalent over there..... just get rid of folks that will really need lots of health care.
The VA is government and is a total mess. Lots of fraud and corruption - and veterans not getting care. Very poorly run.
Remember the debacle with the software program to enroll in ObamaCare? Government hired some friends of the Obamas who had an IT company and it was a total mess. Expect the same kind of stuff if government takes over health care. And expect taxes to increase....
And expect the best and brightest to NOT be doctors due to the horrors of the system....
Yep... eventually the US will be just one big old commune and once you are too old - or sickly - to work the fields, they will take you behind the barn and dispose of you.... BUT the "leaders" will be living high on the hog -- think Hunger Games...
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Expert
Posts: 1956
Location: Ky | Bear - 2016-10-26 3:12 PM jd&ez - 2016-10-26 2:05 PM streakysox - 2016-10-26 7:49 AM Obama care was a ploy to help the insurance companies. $3000 deductible is insane while you are stil paying the monthly premiums. This was put into effect illegally anyway. Any candidate but Hillary. Lot of truth in that. W signed the MMA, Medicare Modernization Act, into law as a gift to the insurance companies. That was the beginning of privatizing medicare. It's a been a boon to the insurance companies. Big burden on the taxpayers.
When Bill Clinton wanted national health care he wanted a single payer system. Which is really the only viable option if a country is to have national health care.
The reason Clinton couldn't get it passed was because the insurance companies weren't involved and they fought it tooth and nail. They spent billions on advertising against it and filled the pockets of connections to lobby against it.
Obama als wanted single payer but he knew it couldn't be passed against the insurance companies. So he included the insurance companies. They then filled the pockets of connections to lobby for it.
It will always be a mess if the insurance companies run it.
If you are opposed to this stuff then Trump is certainly not the answer. He is more of a democrat than Hillary ever thought about being. But even if he wasn't, he would not lift a finger to repeal national healthcare now that we have it.
It's pie in the sky thinking to believe that there will be a nickel's worht of difference no matter which one wins the white house. Spoken like a true Yellow Dog Progressive plebe. Socialism is the answer and the insurance companies are Satan incarnate......even though you sell insurance.....don't you? If Trump is "more of a Democrat then Hillary", why would you, Mr Yellowdog Democrat, vote for Hillary? I'll grant you there is a smattering of truths in your remarks, but your simple solution is to turn it over to the government. 20% of our economy, to be more exact. Rather than identify precisely what's wrong with something, you prefer to turn it over to the most inept, incompetent, insolvent, corrupt enterprise the world has ever seen.....the United States Federal Government.
And yes, I do sell insurance. Maybe that's why I know what I'm talking about? I deal with the stuff everyday that you only speculate about.
Edited by jd&ez 2016-10-26 6:39 PM
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Expert
Posts: 1956
Location: Ky | 3canstorun - 2016-10-26 2:27 PM jd&ez - 2016-10-26 3:05 PM streakysox - 2016-10-26 7:49 AM Obama care was a ploy to help the insurance companies. $3000 deductible is insane while you are stil paying the monthly premiums. This was put into effect illegally anyway. Any candidate but Hillary. Lot of truth in that. W signed the MMA, Medicare Modernization Act, into law as a gift to the insurance companies. That was the beginning of privatizing medicare. It's a been a boon to the insurance companies. Big burden on the taxpayers.
When Bill Clinton wanted national health care he wanted a single payer system. Which is really the only viable option if a country is to have national health care.
The reason Clinton couldn't get it passed was because the insurance companies weren't involved and they fought it tooth and nail. They spent billions on advertising against it and filled the pockets of connections to lobby against it.
Obama als wanted single payer but he knew it couldn't be passed against the insurance companies. So he included the insurance companies. They then filled the pockets of connections to lobby for it.
It will always be a mess if the insurance companies run it.
If you are opposed to this stuff then Trump is certainly not the answer. He is more of a democrat than Hillary ever thought about being. But even if he wasn't, he would not lift a finger to repeal national healthcare now that we have it.
It's pie in the sky thinking to believe that there will be a nickel's worht of difference no matter which one wins the white house.
Why do you think it is okay for people who make more -to have to pay more?
Where is the logic in this?
You have never seen or heard me say anything of the sort. | |
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BHW Resident Surgeon
Posts: 25351
Location: Bastrop, Texas | jd&ez - 2016-10-26 6:36 PM
Bear - 2016-10-26 3:12 PM jd&ez - 2016-10-26 2:05 PM streakysox - 2016-10-26 7:49 AM Obama care was a ploy to help the insurance companies. $3000 deductible is insane while you are stil paying the monthly premiums. This was put into effect illegally anyway. Any candidate but Hillary. Lot of truth in that. W signed the MMA, Medicare Modernization Act, into law as a gift to the insurance companies. That was the beginning of privatizing medicare. It's a been a boon to the insurance companies. Big burden on the taxpayers.
When Bill Clinton wanted national health care he wanted a single payer system. Which is really the only viable option if a country is to have national health care.
The reason Clinton couldn't get it passed was because the insurance companies weren't involved and they fought it tooth and nail. They spent billions on advertising against it and filled the pockets of connections to lobby against it.
Obama als wanted single payer but he knew it couldn't be passed against the insurance companies. So he included the insurance companies. They then filled the pockets of connections to lobby for it.
It will always be a mess if the insurance companies run it.
If you are opposed to this stuff then Trump is certainly not the answer. He is more of a democrat than Hillary ever thought about being. But even if he wasn't, he would not lift a finger to repeal national healthcare now that we have it.
It's pie in the sky thinking to believe that there will be a nickel's worht of difference no matter which one wins the white house. Spoken like a true Yellow Dog Progressive plebe. Socialism is the answer and the insurance companies are Satan incarnate......even though you sell insurance.....don't you? If Trump is "more of a Democrat then Hillary", why would you, Mr Yellowdog Democrat, vote for Hillary? I'll grant you there is a smattering of truths in your remarks, but your simple solution is to turn it over to the government. 20% of our economy, to be more exact. Rather than identify precisely what's wrong with something, you prefer to turn it over to the most inept, incompetent, insolvent, corrupt enterprise the world has ever seen.....the United States Federal Government.
And yes, I do sell insurance. Maybe that's why I know what I'm talking about? I deal with the stuff everyday that you only speculate about. Â
"It will always be a mess if the insurance companies are running it."
This from a man who sells insurance products from those same insurance companies. It's a little like PETA selling Micheal Vik's autographed jerseys.
That lop eared lying bastard you voted for is the reason we're in this mess. How do you justify his blatant lies about ObamaCare? Oh I know you won't try to explain the pledge that we can keep our plan if we like our plan, and we can keep our doctor if we like our doctor, and it will save the average family $2500/yr. You won't try to defend that liar, so all you can do is pivot or deflect.
What else do you want the government to take over?
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Elite Veteran
Posts: 618
| Dodge629 - 2016-10-26 2:11 PM
On the subject of premiums... my current plan is being discontinued and neither through my current company OR the marketplace, are there even any plans in existence that offer my current coverage!  My boss wants us to have good low deductible plans and has paid heavily to allow it and they are now not even offering me plans with deductibles lower than $5-6,000 at any price!? Has anyone else run into this?
Initially what you're describing will hit individuals and small businesses but eventually it'llh it us all! | |
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 My Heart Be Happy
Posts: 9159
Location: Arkansas | RnRJack - 2016-10-26 3:03 PM
So I have a question, if I had full coverage insurance in 2016 at my old job, but I left to start my own business, when do I need to purchase my insurance? Will I get fined for every month I haven't had it until 2017? Or do I need to get it by the new year? I've heard both...
You will need to have it every month. There was a small gap period that was acceptable like a month or two last year, but not sure that's on the table this year. | |
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Folks on-line