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[ACA Update] The marketplace is failing

Discussion in 'BBS Hangout: Debate & Discussion' started by justtxyank, Aug 17, 2016.

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  1. glynch

    glynch Member

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    EpiPen Price Hike Has Parents of Kids With Allergies Scrambling Ahead of School Year

    by Ben Popken



    .


    "Free to Choose" Let your kid pay or die. Don't want no Gubmint regulation.


    Yeah, everyone would be healthy with lots of money to pay for $500 epipens easily if the kid's parents would start exercising and eating at Whole Foods. F the kids. It is all their fat parents fault.

    Yikes, young healthy libertarian types without a clue.

    If The Market won't provide we don't need health care. What good will it do you if you die in the Gulag of overwork and no food when you have your Medicare for all. Take your choice. Give me liberty or give me death without health care. I'm an Amurican.
     
    #141 glynch, Aug 19, 2016
    Last edited: Aug 19, 2016
  2. pirc1

    pirc1 Member

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    I wonder why did they only charge 500? Why not 1000 why not 2000? I am sure the people would still pay for them.
     
  3. HR Dept

    HR Dept Member

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    I've arrived to the conclusion that, for the most part, the entire insurance industry should be nationalized. The entire "for profit" aspect of insurance is one of the biggest scams and burdens on the working class people of this country.

    Healthcare should be single payer. Auto insurance should be funded by taxes on auto sales, maintenance and repair, parts, car rentals, and a yearly car owner's tax (in-line with and replacing current registration costs). Home owners, flood, wind and storm etc should be funded through property taxes -- Same thing with commercial insurance.

    The private sector should be allowed to insure luxury items or offer higher levels of additional bolt-on coverage for various types of basic necessary insurance that are already covered through gov public insurance.

    Am I crazy?
     
  4. BigDog63

    BigDog63 Member

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    Of course you are. You can't incorporate tens of millions more people into the system, who aren't paying much, and have anything but costs for everyone else go up. Further, in the future, because of those cost increases, care is going to have to get cut, as there won't be the funds to continue high level of care for everyone for everything.

    So, 20% of the people are getting better coverage, but the other 80% are paying more and/or likely to see reduced coverage. This was always what was going to happen.
     
    1 person likes this.
  5. justtxyank

    justtxyank Member

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    I'm going to shock with you this...

    The whole __________ industry for profit is about making money. We should nationalize all industries to stop people from making money. I don't know what industry you are in, but it's a shame that you make money off of people.
     
  6. MojoMan

    MojoMan Member

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    And then force people to work in those industries to serve the "greater good," whether they like it or not.

    Slavery, anyone?
     
  7. HR Dept

    HR Dept Member

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    I hear you, for profit means exactly that. I'm just of the opinion that that basic insurance should be a public service funded by the tax payers. There's just so much abuse that happens in the name of keeping and increasing profits. And I'm sure this is rooted in my hate of the insurance industry.

    But, there's no slippery slope in what I posted.
     
  8. pirc1

    pirc1 Member

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    The biggest problem with profit in healthcare industry is people literally will pay all they have and more to stay alive. It is like Cars, TV or internet service, which you can live without. The current model is obviously not going to work as is, if Republicans can come up with a better option, put it on the table. If not, shut the fk up and work with Democrats instead of trying to sabotage every effort Democrats put forth.
     
  9. Space Ghost

    Space Ghost Member

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    Simple demand concept.

    Allergy injection pens are a life or death matter, obviously. The pool of people who would actually die from a reaction are significantly smaller than the pool of people who would have a severe reaction, but likely survive. Then you have a significant pool of people who have a mild allergy (relatively) who still carry an epipen. For example, I knew a girl who carried an epipen because she was allergic to sesame seeds. While we were eating at a chinese restaurant, it was noted she was eating a dish with sesame seeds. Her flippant response was, "oh ill be ok if I dont eat too many".

    I have a milk allergy that is considered severe. (not lactose intolerant). For me to require an EpiPen, I would have to intentionally try hard hard to kill myself. I could still drink a gallon of milk and all I would do is throw it up and be ok after a couple hours. I fall under the category of those who would quality for one, but I really dont need it. Most over protective parents would carry 3 or 4 around with someone like my condition.

    -EpiPens have gone up because more and more parents want them.
    -ObamaCare forces everyone on insurance. Now the demand for injection pens go up.
    -Sanofi, EpiPens competitor, requires a recall. Nobody will buy this product anymore. EpiPen now has the market cornered. EpiPen now has leverage against the insurance companies to charge more.
    -EpiPens price is (what insurance company will pay) + (the median an over-protective parent will pay out of pocket).

    This is the BS that ticks me off. This is not just a doctor problem. Or insurance problem. Or a pharmaceutical problem. They all contribute to the problem and a single payer system will not fix costs.
     
  10. Space Ghost

    Space Ghost Member

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    Obamacare was not a solution in any form. It was political posturing. There was only ONE group who benefited from Obamacare ... and that was those with pre-existing conditions. If Democrats wanted a good solution, then they would have let these people buy into Medicare.

    If you want people to STFU and help, then get people like Bernie in office who is not bought out by big money. Hillary is the complete opposite. This isn't a Republican vs Democrat opinion, this is a fact.

    Its a simple concept. This is not a Republican/Democrat issue. Its an issue of big money buying out politicians who will not make the changes needed. You can fill the government with 100% democrats and I will reassure you that we would have ended up with a ****ed up program.
     
  11. pirc1

    pirc1 Member

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    If allowing everyone to buy into medicare, great! We can get rid of obama care, do you believe this will pass in congress? At least Democrats are willing to make changes, Republicans will just sit there and watch the system crumble. There are obviously more than just fixing the insurance system to fix healthcare cost issue in this country, but you have to start some where.
     
  12. Space Ghost

    Space Ghost Member

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    No it wont pass. Too many politicans are paid off by big money.
     
  13. Air Langhi

    Air Langhi Contributing Member

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    I know x people are going to get sick and will cost me y dollars within any given population. The more people in the pool the more normalized the curves become. At that point you just look up on a table what the premiums should be.

    Explain to me what value the insurance industry provides? Different pricing on risk. The risk should be based on the data. If they only want to cover good patients then what does the rest of the population do. This is why we have medicare because the insurance company wouldn't cover old people.
     
  14. Nook

    Nook Member

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    LMFAO The Republicans did not want the plan that Obama proposed, because he would likely work. Instead they forced a plan that they hoped would fail; and it very well likely will fail. Obama knew what he was able to get passed wasn't all that great and would likely fail.

    This is where it gets interesting....... when AHCA fails; do we go back to the prior broken system, or do we go closer to what Obama and the Democrats wanted all along.

    This is ALL about Democrat versus Republican.
     
  15. NewRoxFan

    NewRoxFan Member

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    Slavery? You really intend to make that comparison?

    In any event... do you believe policemen and firemen should have the right to unionize with the ability to strike? Or would you force policemen and firemen to go to "serve the greater good, whether they like it or not." How about air traffic controllers?
     
  16. BigDog63

    BigDog63 Member

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    No, it isn't. Our extremely high cost of care/drugs is. Obamacare did NOTHING to address costs. The use of emergency rooms is a portion of the cost of care, but not the largest one. If we fixed that problem completely, we'd still have very high cost of care.
     
  17. NewRoxFan

    NewRoxFan Member

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    Actually, it DID do something to address costs, at least to the many who didn't have coverage before but did as a result of ACA. It did for me, at least for my oldest daughter that was born with a heart defect 22 years ago that was corrected with surgery. She was deemed a "pre-existing condition" and insurance companies refused to cover her and some even refused to cover my entire family because of her condition. I was forced to buy a separate Texas High Risk policy for her, providing only minimal coverage, at a cost of over $500/month. You can imagine what that does to someone that also has to cover the rest of his family for health care coverage and also add dental coverage.

    While pre-existing conditions don't impact the majority of insured... it still impacts a significant number of people. And prior to ACA, neither party addressed pre-existing conditions. All during a period I was looking for work and working part-time jobs at Home Depot (6pm to midnight) and Office Max
    (6am to noon) without employer-provided benefits.
     
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  18. Space Ghost

    Space Ghost Member

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    You're really not getting it. ANY plan that does not diminish the power of insurance companies is not going to work, regardless of who supports it. Obamacare did the exact opposite. Four years in its already a proven failure. It never left the ground and it still crashed and burned.

    Insurance companies mask the true cost. Its not hidden, but its not easy to understand.

    You have big money playing both sides. People blaming the other party are left as the fools.

    Neither side have come up with ways to address costs. Its a very tough question.
     
  19. rockbox

    rockbox Around before clutchcity.com

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    Not that tough, since almost every other first world country has solved it. We just choose not to, because to many people are getting rich off of the current situation.
     
  20. K LoLo

    K LoLo Member

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    Is it really the for profit of insurance though, that causes the problems we're seeing?

    If all healthcare can be paid for, by the government, what's to stop hospitals, doctors, etc. charging insane amounts? Sure, the government has bargaining power, but are we going to ignore the fact that politicians are at the mercy of lobbyist?

    Healthcare lobbyist would be a big business to make sure hospitals can charge whatever they want. Would there be anything that stops them? Unless you regulate healthcare, I'm not sure you're going to get anything done. Why only regulate insurance? Why not regulate healthcare and make that affordable? Regulating insurance sounds like a band-aid (in a hospital, that band-aid would cost about $100).
     

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