searay
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Post by searay on Dec 13, 2019 11:03:44 GMT -5
The left wing media doesn't give Trump kudos on anything so I'm going to give him the credit he's due on how his deregulation of Obamacare has saved me a lot of money. As a self employed guy who has to buy his own health insurance (and not qualifying for Obama's subsidies) I've gotten killed by Obamacare. My premiums went from $480/mo in 2009 to $1700/mo in 2019. And if that wasn't bad enough, just about every year I get to look forward to a letter from my carrier saying one of two things: 1) We're raising your premium next yr a few hundred bucks 2) We're dropping out of the individual market altogether. Bye I was lucky to even find a carrier on the marketplace Well Trump has dropped a lot of those regulations and now I have many more choices. I'll simplify it: Next yr my premiums will be $600 lower than if I'd bought under Obamacare. $600/mo is huge! How'd he do it? This talks a little about it: www.investopedia.com/insurance/trumps-short-term-health-insurance-order/khn.org/news/trump-administration-loosens-restrictions-on-short-term-health-plans/I was one of those Americans faced with escalating premiums and dwindling options in the individual market. This is what I've been clamoring for ever since this abomination was passed by Democrats about ten yrs ago. I want options! I now have them and my premiums are lower than they've been in a few yrs. These changes make me want M4A even less now. We don't need a massive gov't takeover. We need more free market solutions. Too bad our left wing media doesn't report more on this sort of stuff Thank you President Trump!
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Post by crashdavissports on Dec 16, 2019 9:18:08 GMT -5
Also, the Democrats are so focused on getting rid of Trump, that they are failing the American citizen and the folks that PUT THEM INTO OFFICE. The USMCA needs to be passed by Christmas to take advantage of the full benefits, and that will never happen with the Democrats spending ALL their time on getting rid of Trump. They spend all their time trying to derail Trump and his promises. They figure if they can keep him busy defending himself, instead of helping America, they will have some ammo when it is time for re-election saying Trump didn't accomplish anything his last year of service. However, he keeps using Twitter to defend himself in short bursts, and the rest of his time ignoring this process and finding ways to make America better either domestic or foreign. Democrats are pissed that Trump has ignored this process, and that he has not taken part in the impeachment hearings because he is not being slowed down. He is not bending to their will. He is not acknowledging the power the Democrats think they have. Right now, the only ones truly abusing their power are the Democrats. Putting together false reports, using hearsay as direct evidence. Get your heads out of your ass Democrats and pass the USMCA bill you morons! www.foxnews.com/opinion/trump-usmca-jobs-growth-hartley-makridis
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searay
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Post by searay on Dec 16, 2019 11:42:06 GMT -5
Also, the Democrats are so focused on getting rid of Trump, that they are failing the American citizen and the folks that PUT THEM INTO OFFICE. The USMCA needs to be passed by Christmas to take advantage of the full benefits, and that will never happen with the Democrats spending ALL their time on getting rid of Trump. They spend all their time trying to derail Trump and his promises. They figure if they can keep him busy defending himself, instead of helping America, they will have some ammo when it is time for re-election saying Trump didn't accomplish anything his last year of service. However, he keeps using Twitter to defend himself in short bursts, and the rest of his time ignoring this process and finding ways to make America better either domestic or foreign. Democrats are pissed that Trump has ignored this process, and that he has not taken part in the impeachment hearings because he is not being slowed down. He is not bending to their will. He is not acknowledging the power the Democrats think they have. Right now, the only ones truly abusing their power are the Democrats. Putting together false reports, using hearsay as direct evidence. Get your heads out of your ass Democrats and pass the USMCA bill you morons! www.foxnews.com/opinion/trump-usmca-jobs-growth-hartley-makridisThe problem here is a media who is willingly going along with these Dem tricks
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Post by Lark11 on Dec 17, 2019 0:21:36 GMT -5
Propaganda is a helluva drug.
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searay
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Post by searay on Dec 17, 2019 9:56:10 GMT -5
Propaganda is a helluva drug. I relayed my experience and that wasn't propaganda. It's also not propaganda that M4A is not polling well. I think the reason is clear. It's because it proposes the end of private insurance and 160 million Americans have private health insurance. The far left Dems have quite a job ahead of them selling that these people would be better off with the government running their plan. They've been promised before that they can keep their plan and their Dr.
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Post by crashdavissports on Dec 17, 2019 10:51:57 GMT -5
Propaganda is a helluva drug. I think there is more propaganda related to this impeachment process by the Dems.
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Post by Lark11 on Dec 18, 2019 18:09:09 GMT -5
Propaganda is a helluva drug. I relayed my experience and that wasn't propaganda. It's also not propaganda that M4A is not polling well. I think the reason is clear. It's because it proposes the end of private insurance and 160 million Americans have private health insurance. The far left Dems have quite a job ahead of them selling that these people would be better off with the government running their plan. They've been promised before that they can keep their plan and their Dr. Yeah, I wasn't talking about the initial post.
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Post by crashdavissports on Dec 19, 2019 8:27:26 GMT -5
I relayed my experience and that wasn't propaganda. It's also not propaganda that M4A is not polling well. I think the reason is clear. It's because it proposes the end of private insurance and 160 million Americans have private health insurance. The far left Dems have quite a job ahead of them selling that these people would be better off with the government running their plan. They've been promised before that they can keep their plan and their Dr. Yeah, I wasn't talking about the initial post. Yeah, he was referring to my post searey. Time for term limits in Congress and the Senate. Time for Washington to flush this swamp themselves every 4 years. No more lifelong benefits.
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Post by DocDirk on Dec 23, 2019 13:02:28 GMT -5
The left wing media doesn't give Trump kudos on anything so I'm going to give him the credit he's due on how his deregulation of Obamacare has saved me a lot of money. As a self employed guy who has to buy his own health insurance (and not qualifying for Obama's subsidies) I've gotten killed by Obamacare. My premiums went from $480/mo in 2009 to $1700/mo in 2019. And if that wasn't bad enough, just about every year I get to look forward to a letter from my carrier saying one of two things: 1) We're raising your premium next yr a few hundred bucks 2) We're dropping out of the individual market altogether. Bye I was lucky to even find a carrier on the marketplace Well Trump has dropped a lot of those regulations and now I have many more choices. I'll simplify it: Next yr my premiums will be $600 lower than if I'd bought under Obamacare. $600/mo is huge! How'd he do it? This talks a little about it: www.investopedia.com/insurance/trumps-short-term-health-insurance-order/khn.org/news/trump-administration-loosens-restrictions-on-short-term-health-plans/I was one of those Americans faced with escalating premiums and dwindling options in the individual market. This is what I've been clamoring for ever since this abomination was passed by Democrats about ten yrs ago. I want options! I now have them and my premiums are lower than they've been in a few yrs. These changes make me want M4A even less now. We don't need a massive gov't takeover. We need more free market solutions. Too bad our left wing media doesn't report more on this sort of stuff Thank you President Trump! I think that if a lot of Democrats were really honest with each other, they would see that the ACA is probably the single biggest reason that Trump won. It was in many ways a good idea, a great theory. However in actuality it fell way short and burned an awful lot of lower middle class folks. I saw its direct effects on people that honestly were awfully depressing. That's certainly not to say that Private Insurance has been a great thing either, because it simply hasn't. I would be interested in hearing more about what changes occurred to your deductible and OOP Max during this time too. Generally rising premiums are only a small portion of our health care problem. Many people blame "for profit healthcare" but that's a silly complaint. It gives the impression that health care employees are raking in money at the expense of the consumer and that simply isn't true. The profit margins of health insurance companies have skyrocketed, while the amount they pay hospital systems has stagnated in general.
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searay
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Post by searay on Dec 23, 2019 15:01:52 GMT -5
My deductibles have also skyrocketed. They were no more than $3K/family before Obamacare. Now it's $7K just for my wife.
Health care is still the #1 problem in America today. It's far from solved.
Obamacare hurt Dems from 2010 all the way to Trump's election. It led to landslides in 2010 in states such as Ohio which in turn gave them the power to Gerrymander lines, earn Governor seats and hurt the Dem party in other subtle ways. It was a huge political blunder
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Post by DocDirk on Dec 23, 2019 16:26:57 GMT -5
My deductibles have also skyrocketed. They were no more than $3K/family before Obamacare. Now it's $7K just for my wife. Health care is still the #1 problem in America today. It's far from solved. Obamacare hurt Dems from 2010 all the way to Trump's election. It led to landslides in 2010 in states such as Ohio which in turn gave them the power to Gerrymander lines, earn Governor seats and hurt the Dem party in other subtle ways. It was a huge political blunder To be fair, deductibles are exploding across the board even in plans that were never in the marketplace. Health insurance providers are screwing over more people than ever (including hospitals) independent from the ACA. With that said, I'm sorry about that fact - it's a complete public embarrassment. And it's honestly a reason FOR a version of Medicare for All (although I do respect your desire for choices) or Universal Health Care outright. I understand the fear - a Government entity deciding what treatment gets paid for and what does not. But the unfortunate thing is that we already have that, but from a private entity whose sole purpose is to make money. And this is coming from somebody whose field would probably be hurt somewhat by the introduction of a Universal program... But other than that tangent, you're right. I would argue the second most pressing issue to our national debt. Paying massive premiums as well as having to pay 7k before insurance will pay a dime is not right. Sadly, it was because of that fact that I saw many lower to middle class folks decide they would rather pay the fine for not having insurance and sweat it out all year - they weren't getting a benefit anyway.
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searay
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Post by searay on Dec 23, 2019 17:15:00 GMT -5
My deductibles have also skyrocketed. They were no more than $3K/family before Obamacare. Now it's $7K just for my wife. Health care is still the #1 problem in America today. It's far from solved. Obamacare hurt Dems from 2010 all the way to Trump's election. It led to landslides in 2010 in states such as Ohio which in turn gave them the power to Gerrymander lines, earn Governor seats and hurt the Dem party in other subtle ways. It was a huge political blunder To be fair, deductibles are exploding across the board even in plans that were never in the marketplace. Health insurance providers are screwing over more people than ever (including hospitals) independent from the ACA. With that said, I'm sorry about that fact - it's a complete public embarrassment. And it's honestly a reason FOR a version of Medicare for All (although I do respect your desire for choices) or Universal Health Care outright. I understand the fear - a Government entity deciding what treatment gets paid for and what does not. But the unfortunate thing is that we already have that, but from a private entity whose sole purpose is to make money. And this is coming from somebody whose field would probably be hurt somewhat by the introduction of a Universal program... But other than that tangent, you're right. I would argue the second most pressing issue to our national debt. Paying massive premiums as well as having to pay 7k before insurance will pay a dime is not right. Sadly, it was because of that fact that I saw many lower to middle class folks decide they would rather pay the fine for not having insurance and sweat it out all year - they weren't getting a benefit anyway. I'm not seeing deductibles exploding for employer paid plans and that's the lion's share in this country. OC put the "bill" for his plan on the wrong people. He put it on me and left the teacher's union, Congress' and the major corporations alone. Their plans didn't quadruple since 2010 like mine has. Here's what a new healthcare plan should look like: Do away with most of OC's provisions and let companies underwrite the plans again. This will bring back competition to the market. There should also be a "public option" call it buying into Medicare or whatever. This should even be subsidized a little by the fed gov't . If necessary raise taxes on folks making over a million by 5%. This would give folks with pre existing conditions an option and it'd also keep the ins companies honest in that if they don't offer a decent product, everyone has the option to "fire them" and go to the gov't plan
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Post by DocDirk on Dec 23, 2019 17:34:03 GMT -5
To be fair, deductibles are exploding across the board even in plans that were never in the marketplace. Health insurance providers are screwing over more people than ever (including hospitals) independent from the ACA. With that said, I'm sorry about that fact - it's a complete public embarrassment. And it's honestly a reason FOR a version of Medicare for All (although I do respect your desire for choices) or Universal Health Care outright. I understand the fear - a Government entity deciding what treatment gets paid for and what does not. But the unfortunate thing is that we already have that, but from a private entity whose sole purpose is to make money. And this is coming from somebody whose field would probably be hurt somewhat by the introduction of a Universal program... But other than that tangent, you're right. I would argue the second most pressing issue to our national debt. Paying massive premiums as well as having to pay 7k before insurance will pay a dime is not right. Sadly, it was because of that fact that I saw many lower to middle class folks decide they would rather pay the fine for not having insurance and sweat it out all year - they weren't getting a benefit anyway. I'm not seeing deductibles exploding for employer paid plans and that's the lion's share in this country. OC put the "bill" for his plan on the wrong people. He put it on me and left the teacher's union, Congress' and the major corporations alone. Their plans didn't quadruple since 2010 like mine has. Here's what a new healthcare plan should look like: Do away with most of OC's provisions and let companies underwrite the plans again. This will bring back competition to the market. There should also be a "public option" call it buying into Medicare or whatever. This should even be subsidized a little by the fed gov't . If necessary raise taxes on folks making over a million by 5%. This would give folks with pre existing conditions an option and it'd also keep the ins companies honest in that if they don't offer a decent product, everyone has the option to "fire them" and go to the gov't plan You're not looking very hard if you're not finding private deductibles increasing substantially (exploding was melodramatic.) The only people with plans that aren't getting way worse are those in unions really, and sadly. I think your plan is a good idea at heart and makes sense (and is even backed with some financial responsibility of where to make up the difference with taxes.) I struggle to grasp the shift in conservative ideology away from traditional conservatism and toward what almost seems like stick in the mud regression, but a proposal like that certainly isn't stick in the mud regression.
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searay
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Post by searay on Dec 24, 2019 11:07:31 GMT -5
I'm not seeing deductibles exploding for employer paid plans and that's the lion's share in this country. OC put the "bill" for his plan on the wrong people. He put it on me and left the teacher's union, Congress' and the major corporations alone. Their plans didn't quadruple since 2010 like mine has. Here's what a new healthcare plan should look like: Do away with most of OC's provisions and let companies underwrite the plans again. This will bring back competition to the market. There should also be a "public option" call it buying into Medicare or whatever. This should even be subsidized a little by the fed gov't . If necessary raise taxes on folks making over a million by 5%. This would give folks with pre existing conditions an option and it'd also keep the ins companies honest in that if they don't offer a decent product, everyone has the option to "fire them" and go to the gov't plan You're not looking very hard if you're not finding private deductibles increasing substantially (exploding was melodramatic.) The only people with plans that aren't getting way worse are those in unions really, and sadly. I think your plan is a good idea at heart and makes sense (and is even backed with some financial responsibility of where to make up the difference with taxes.) I struggle to grasp the shift in conservative ideology away from traditional conservatism and toward what almost seems like stick in the mud regression, but a proposal like that certainly isn't stick in the mud regression. The avg employer paid healthplan deductible is about $1500. These plans' cost has increased a mere 55% since 2008. Mine has increased four fold. Those are facts: www.ehealthinsurance.com/resources/small-business/average-cost-of-employer-sponsored-health-insuranceAnthem's cost increase just for 2020 was about 20% for my plan, hence my going off the marketplace. That's a far cry for what employer paid plans have undergone. I stand by my statement that self paid plans have taken the brunt of the hit from OC and I've included a link with facts that back this up Given this, please re-think your statements above
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Post by DocDirk on Dec 28, 2019 11:08:59 GMT -5
You're not looking very hard if you're not finding private deductibles increasing substantially (exploding was melodramatic.) The only people with plans that aren't getting way worse are those in unions really, and sadly. I think your plan is a good idea at heart and makes sense (and is even backed with some financial responsibility of where to make up the difference with taxes.) I struggle to grasp the shift in conservative ideology away from traditional conservatism and toward what almost seems like stick in the mud regression, but a proposal like that certainly isn't stick in the mud regression. The avg employer paid healthplan deductible is about $1500. These plans' cost has increased a mere 55% since 2008. Mine has increased four fold. Those are facts: www.ehealthinsurance.com/resources/small-business/average-cost-of-employer-sponsored-health-insuranceAnthem's cost increase just for 2020 was about 20% for my plan, hence my going off the marketplace. That's a far cry for what employer paid plans have undergone. I stand by my statement that self paid plans have taken the brunt of the hit from OC and I've included a link with facts that back this up Given this, please re-think your statements above Re-think which statements? That deductibles have substantially increased? You didn't present anything contradicting that...just that they're averaging $1500 - (you mis-represented or didn't round correctly either, your source said $1573.). From the actual KFF survey that your article sourced... www.kff.org/health-costs/press-release/employer-sponsored-family-coverage-premiums-rise-5-percent-in-2018/"Currently 85 percent of covered workers have a deductible in their plan, up from 81 percent last year and 59 percent a decade ago. The average single deductible now stands at $1,573 for those workers who have one, similar to last year’s $1,505 average but up sharply from $735 in 2008. These two trends result in a 212 percent total increase in the burden of deductibles across all covered workers." So yes, I consider a 5% increase in 1 year and more than doubling in a 10 year period "increasing substantially." And unless you're going to debate semantics instead of facts, I would think you would as well. "Given this, please re-think your statements above" - honestly, do I have to point out your unnecessary condescension again?
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