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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. NewRoxFan

    NewRoxFan Member

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    You may be critical of republicans... but it doesn't stop you from only voting for them (including Donald Trump... come November).
     
  2. London'sBurning

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    I don't find it hilarious. He answered your and Space Ghost question. He asked both of you for a solution to the problem and your only solution is to get rid of Obamacare without proposing anything. Then you use the same tired line of it being partisan politics while patting yourself on the back for being a libertarian.

    The talking points Space Ghost claimed such as pre-existing conditions bankrupting healthcare companies is false since Aetna made 19% net profit totaling almost $500 billion dollars. He again offered no solutions. Nothing he's offered has been solutions which is exactly what the poster was asking for. It's like talking to a wall.
     
    1 person likes this.
  3. Sweet Lou 4 2

    Sweet Lou 4 2 Member

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    Stop lying - I put the article from the Atlantic that had quotes and everything and you just ignore it and still push this lie.

    Seriously - it's disgusting that you are here ignoring the true and pushing your agenda. You have no sources or evidence, you literally just pull this stuff out of your butt and make it up.
     
  4. Space Ghost

    Space Ghost Member

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    I am not sure where you get an angry vibe, but I certainly sense one from you. I'll assure you, I will be getting angry in the near future when I will need coverage for pre-existing coverage but it will be be insanely expensive or non-existent because of this ****ty health care reform you keep defending.

    Also, please explain where I faulted YOU for taking advantage of the current market place. I think I said this was not about you or I. I DO fault you for blindly following the democrats down this glorious path of "affordable healthcare for all". Please, do, take advantage of these benefits while you can. Just be sure to channel your anger in the right direction when these benefits are no longer there.

    I have also explained to you why these companies are making profits. Please, go visit their websites and see all the offerings they have. You will find plenty of other products they offer that do not involve the exchanges. I am not exactly shocked they are raking in great profits but still losing hundreds of millions in the exchanges.

    Perhaps you are correct. Pre-existing conditions are not the reason they are losing money. Maybe its because millions of healthy Americans who refuse to sign up and pay insane premiums to supplement the high risk pool. Or maybe its because the government wont approve yearly 50% premium hikes to cover the losses of the high risk pool. Because you know, its those healthy people who never see the doctor who are driving up the cost :rolleyes:

    Really dude, I understand why you're upset. But I am not the enemy here. I want a solution that works best for all, not just the politicians in Washington or big money. As I stated, this will be a serious issue with me in the near distant future. I want this fixed just as much as you. But dont shoot the messenger. Obamacare sucks.
     
  5. NewRoxFan

    NewRoxFan Member

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    With all that typing I was really hoping to see any hint of an alternative. i saw lots of "personal", I saw defense of the insurance companies, blame diverted to "politicians" and "big money" (which I am guessing does NOT include large insurance companies that make almost half a trillion in net profits. But hey, at least you aren't floating the "insurance companies are going bankrupt due to pre-existing conditions baloney anymore), And the fallback "ACA sucks", But again, with no hint of improvement, nor practical alternative.

    And... do you work in the insurance industry?
     
  6. Space Ghost

    Space Ghost Member

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    I did offer solutions. You refuse to listen to other peoples thoughts.

    Answer me this. If Aetna is making 500 billion profits off the exchanges (which its not making its profits from the exchanges), why the hell would they pull out? That makes ABSOLUTELY NO sense. If you really think Aetnas profitable side of the company should subsidize its losses from the unprofitable side(which you're welcome to ignorantly think this), then they would simply spin off the unprofitable side into its own country and let it sink with Obamacare. I dont like to make direct attacks, but you're just a moron.

    Offer medicare buy-ins for those with pre-existing conditions. Raise medicare for everyone.

    I was greeted with, "Why should the insurance companies benefit from only healthy people". Seriously, that is one dumb comment.

    Also, after some serious consideration, we should start taxing the hell out of unhealthy food to subsidize this high risk pool. I was originally against this idea, but the more I think about it, why should I pay high medical rates for those who dont take care of themselves.
     
  7. Space Ghost

    Space Ghost Member

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    I dont know what to tell you. I guess I can be a good democrat and tell you that Obamacare was great and its doing better than expected and it will be fine if we make some minor adjustments. I can blame the republicans for something. Sure, I'll throw in lots of blame to the insurance companies for pulling out when they are making billions in profits.

    In simplest terms, the insurance companies do not need a reason to pull out. If they want to miss out on billions on profits, its on them. Once they all pull out, maybe you can start your own insurance company and make billions? :confused:
     
  8. NewRoxFan

    NewRoxFan Member

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    Your solution is to send people with pre-existing conditions into Medicare.

    While taxing the heck out of tobacco, alcohol, and other unhealthy products makes sense (hmm guns and bullets are unhealthy... OK, that's a protected product), I don't know if you could tax them enough to make a serious dent. But come back with some specifics and dollars associated and it may be a reasonable step in the right direction.

    On the other hand, the idea of sending more people into an overburdened Medicare system? Doesn't seem a like a good one. But help us understand how that would work.

    Oh, and when you start a statement with"I don't want to call people names" then call them names, you look even worst. You might want to avoid that.
     
  9. Bobbythegreat

    Bobbythegreat Member
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    Really? When did I do that? In fact, I rarely vote for Republicans. Sure I don't vote for Democrats because I haven't found one that is even halfway competent when it comes to economic issues, but that doesn't mean I "only" vote for Republicans.....there's that binary thinking popping back up.

    When it comes to Trump, only a moron or someone that hasn't seen literally any Trump thread here in the last year or so would think that there was ANY chance I'd vote for him. I've been more critical than pretty much anyone else on this board and I was like that from day 1....

    It gets hard to take you seriously when you and a few others seemingly never know what you are talking about. Maybe pick your battles better, maybe try to educate yourself....I dunno what the solution is but this BS with you and a few others down here is getting old.
     
  10. dmoneybangbang

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    So you just resemble a current republican.....? Got it.
     
  11. Sweet Lou 4 2

    Sweet Lou 4 2 Member

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    I think he has no interest in rational debate.
     
  12. NewRoxFan

    NewRoxFan Member

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    With a strong emphasis on the word *rational*.
     
  13. NewRoxFan

    NewRoxFan Member

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    Finally a true statement, as I and others have repeatably asked you for solutions. For example, what is this "better system" you would replace ACA with?
     
  14. Bobbythegreat

    Bobbythegreat Member
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    No, that's just your binary thinking getting in the way again. I in almost no way resemble a current Republican....it's just that to you, anyone who disagrees with really bad policies pushed by Democrats have to be Republicans. It's a really simple minded way of thinking that you should work to overcome.
     
  15. Space Ghost

    Space Ghost Member

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    Okay and ..... you want for-profit business to continue steer our healthcare?

    Do you not want socialization of our healthcare system? A single payer system? Is this not the same as medicare? Of course tax payers will have to fund this, but it beats the direction we are heading now.

    Im really at a loss of what you want.
     
  16. NewRoxFan

    NewRoxFan Member

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    Surprised you are at a loss, since I have clearly offered possible fixes to ACA. If fixes cannot be implemented I would look at a single payer system.

    You, on the other hand want to protect the large insurance companies and force millions with preexisting conditions into a medicare system that republicans believe is already teetering on the brink and looking at ways to cut costs and reduce recipients.
     
  17. dmoneybangbang

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    If it quacks like a duck...

    No.... I have made it clear that Republicans are the idiots who can tell you what's wrong but do nothing meaningful about it. That sums up your entire position in this thread.

    It's like you are completely unaware that at any point in time, the GOP can schedule a press conference, unveil an alternative, and tell Americans why they should support their plan...... They just need to actual have a plan the GOP can get behind....

    But hey... those are your type of legislators....
     
  18. Baba Booey

    Baba Booey Member

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    You seem to be arguing for a system where the healthcare providers' bottoms lines are unsustainable if their customers get sick. Again I ask...what is the point of having a for-profit health insurance market when it can only exist if it's insuring healthy people? The point of healthcare is to provide care, and sick people need the most care. It is not a stupid point. You, yourself, are saying they cannot afford to care for the pre-existing bunch while at the same time stating that my point is "dumb."

    I used the term 'free profit' because healthy people pay premiums and create the profit while the seriously ill create losses, and if the government steps in to pay for the seriously ill all that's left are the healthy premium paying customers. In other words, the insurance companies would have a sweetheart deal. I could have used a better term than 'free profits' but I figured you'd get the point. I don't know why I even bother engaging you, though, as you rarely even attempt to follow the logic of arguments and just resort to insulting language.
     
  19. Space Ghost

    Space Ghost Member

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    Its a pretty simple concept. Private insurance can not sustain the guaranteed loss/high risk pool. You are wanting the private sector to manage socialized healthcare. This is such a terrible idea on every level. I lean free market and I can see this is a bad idea.

    Socializing the high risk pool is a start. Nobody wants them. Democrat voters whine and cry they can't get a single payer system, but do not understand when their own politicians in Washington won't vote on it. A single payer system is not fighting Congress or voters. Its fighting the healthcare system and insurance companies who are busy lobbying your unwavering politicans in Congress who would NEVER sell out to their people. :rolleyes:

    Once we socialize these high risk people, insurance companies can begin to offer plans for everything else and be competitive. Its going back to the way it was before. Who cares if they make profits off of it. They have to make profits no matter what or they will find a way to cut their losses (ie: leave the exchanges as current). If the health care industry is struggling with costs, then a public option can be implemented.

    Lets do incremental changes, not massive overhauls for '1 size fits all' healthcare reform loaded with pork, special favors, or out clauses.

    Do you notice a trend here? I suggest whittling away at the insurance companies. You all want to give more to the insurance companies. How Democrat of me and Republican of you.
     
  20. NewRoxFan

    NewRoxFan Member

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    SMH... you must not just be an employee of an insurance company, you must be a lobbyist for the insurance industry.

    You are suggesting changes that remove risk from insurance companies, yet all industries involve companies taking risk... the financial industry makes loans to all sorts of people and business with a range of credit worthiness (risk). The oil industry takes all sorts of varying degree of risks in the exploration and drilling of oil. Technology companies take all sorts of risks with new product technology.

    Again, the insurance industry net (not gross, net) profits were just under $500 billion in 2015. Aetna net profit was up 19% last year. Even with the "risk" of insuring people with pre-existing conditions. No one can possibly believe the insurance industry is on the verge of bankruptcy. Well, of course no one but insurance lobbyists.

    And what you are proposing attempts to put millions of people with pre-existing conditions into an already overburdened government health care system. One that the republican party is already trying to cut costs and reduce the number of recipients (by raising the age to 68). A system that an increasing number of doctors are opting out of.

    And lastly, your widens the void between disparity between the wealthy that can afford the very best health care and those that can't by shoving people in to an already overburdened health care system. All for the benefit of an insurance industry that already is very profitable.

    "Incremental change." Not wanting to "give more to the insurance industry." SMH...
     

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