theotherspongey
So what if it's a "tax"? Since more people are going to get the healthcare now that they're fined for not having it, the price of the healthcare will reduce dramatically since more people are buying it...
Do not confuse health insurance and healthcare. No one is going to gain a new ability to walk into a doctor and seek treatment. They will have been forced to purchase the insurance to pay for it though.
And since when did more people buying something (demand) that has a set availability (supply) make it cheaper. The rule of supply and demand says higher demand and equal or lower supply equals higher prices.
Prosthetic
As a Kidney Donor I am obviously for it. Because of my 'pre-existing condition' getting insurance is a lot tougher. Basically any insurance company can deny me coverage because of my decision of saving my dads life.
Because this will get contentious before it is over I want to start by saying it is an awesome thing which you have done and you have my respect. Your decision says a lot about your character.
Unfortunately, I disagree with you on this issue.
If ever need a kidney transplant surgery in the future and don't have insurance, it can run up to $600,000. Yeah... That's totally fair.
I need a heart transplant because I have a birth defect. The insurance issues you worry about since you helped your dad I have dealt with since birth (33 years). I agree, it is not fair that your sacrifice causes you to have to worry about this stuff and be treated as different by health insurers. It is not fair that I have to deal with it because I was born. It is not fair that I can't work certain jobs because of my many limitations. It is not fair that my daughter is two-years-old now and weighs 30 pounds, which makes me physically incapable of carrying her when she wants me to. It is unfair that, even with a transplant, odds are likely I won't live to see her graduate high school, get married, have kids, and so forth because average life expectancy after a successful heart transplant is 10-15 years. And it is not fair that I only get those odds if the right person dies in time, meaning that there is a chance my daughter will grow up without a father.
In short, life is unfair. My condition is not my fault. It is not my parents' fault (meet them some time if you want to learn about unfairly worrying about your child). It is no one's fault that I am sick. No one's fault. And dealing with it is no one's responsibility but mine (see my sig).
Insurance is in the liability business. Remove the liability and suddenly it is just a payment service. It would be unfair to expect them to run a business without being allowed to protect themselves from risk. I should have to pay more because it is a product to cover future possible medical expenses. My future expenses are not probable, but definite, possibly to a degree that many insurers couldn't afford to take on many patients like me without going bankrupt, meaning all their customers lose their coverage.
Prosthetic
And for the thousands of other people that save lives? The same could be said for the pharmaceutical corporations that get away with monetary murder.
Pharmaceutical corporations have kept me alive my entire life. Pharmaceutical corporations looked at the Medicare and Medicaid prescription plans and saw massive gaps and created prescription assistance programs (PAP), which give free drugs to those who are financially struggling and under-insured/uninsured. Pharmacies began working with generic drug makers to provide cheap generics to go along with the PAPs. The pharmaceutical corporations you demonize and their partners worked to fill in where the government left people stranded. The AC is implementing changes to fix some of those issues, but they are late to the game. And as I mentioned before, the stats we were given at my job show that in Kentucky we are still expecting as much as 10% to be uncovered.
Prosthetic
Are you effing kidding me? If it passes, as of 2014, no one with a 'pre-existing' condition can be refused insurance.
Despite the fact I spend more then 15 hours a week working out I have a disability. Thank god I'm covered for another 4 1/2 years.
I qualify for Disability. I don't draw the funds. I work. I work because I know that the rules about pre-existing conditions are not the cruel picture you paint. Depending on where you live you would have to be uninsured for 6-12 months, maybe longer, before you can be denied. In some places they could only deny you for something you have received treatment for in the last six months before you applied for coverage.
In short, if the ACA is repealed or heavily altered before you outgrow your "child" benefits (26, child, really? I was married) you will still have your coverage so long as you aren't just being a drain on society.
Prosthetic
If I have a job that doesn't pay minimum wage, i will be able to afford it. Paying for insurance is not something I'm worried about, its being stuck without it.
EDIT: Scratch that, if I have a job.. PERIOD. I'll be able to afford it. If you have insurance you get a big tax credit.
Have you seen the cost of plans? There are too many to break it down, but as they are not allowed to have discount, minimum coverage plans like car insurance it goes from kind of expensive to expensive. Unfortunately, the ACA will tax moderate plans as Cadillac plans. Because making sure I have the coverage I really need is worthy of bring penalized.
Oh yeah, did you know that having a plan that will fully cover your dad's transplant or any complications you would have due to being a donor is seen as excessive and given an additional tax penalty? See, not only does this act want you to have a minimum coverage but it also doesn't want you to seek out the best that is out there. It could potentially cause companies to roll back on full plans that cover most things, meaning that people who have large expenses could still get stuck paying more out if pocket than they can or want.
And yes, I have a plan that qualifies for the definition if a Cadillac plan, but I not rich. I just have too many medical bills to want to worry about them and make financial sacrifices elsewhere to do that so that when I do die my wife won't have to file bankruptcy.
*ibo* S3 Racer
That sounds socialist
Or libertarian, as truly seeking freedom for all requires removing your own selfish wants or needs and emotional gut reactions from your decision making. Thinking everyone should pay for your individual needs is socialist-ish. Thinking everyone should be responsible for themselves is libertarian.
Prosthetic
The only way this can negatively effect someone is if they can afford insurance but don't pay for it. Right now, if I weren't covered by my well off dad I would be denied from any affordable insurance.
No you wouldn't. Check HIPAA to see what the law is now. Check your state laws to see what your exact coverage restrictions are. But then, even if this were true, why is it anyone else's responsibility?
If I were to get into a car crash and my kidney to be squished, I would be saddled with more half a million for surgery alone, plus hundreds of thousands of dollars in medicine that I would have to take for the REST of my life. And that's only if nothing goes wrong, my dad had a CMV virus which is extremely likely when receiving. If he didn't have insurance it would cost him $3k per REFILL for the medicine hes had to take for a 2 months now. If I don't pay, I die.
But why should any of this burden be placed on others?
Having insurance goes a long way. According to the government I'm in a rich family.
Its not just about my situation though, its EVERY donors situation. Stop thinking I'm just thinking about me, I'm think about every single freaking person who risked their life to help someone.
And your coverage is too good for the new rules if it is covering your dad's stuff.
Are you suggesting live donors get special compensation of some form? Or all donors? Why is it just this group of people who helped save another's life? If you want special treatment for donors equal to your sacrifice there are donor groups where your donation is directed to go to someone in the group unless no one can use it, then it goes to non-members. There you go, equal compensation in the form of first dibs on available organs. Your life will be saved ahead of a non-donor in greater need.
Prosthetic
Because if you can afford there is no reason not to have it. Unless you're an idiot.. Then its an idiot tax.
Freedom means the right to make stupid decisions. If this idiot tax is justified then so would a monthly government inspection of you to make sure you are not doing anything that can be unhealthy to your kidney function. Of course, kidneys are so linked to, and affected by, things like the heart and liver that you will have to be in a low sodium, low cholesterol, low fat, sugar free diet to not face your own idiot tax. Don't worry. I've been on that diet for two years. You mostly get used to it after about six months. Its the cravings that get you though. I never thought I would miss ham or salami so much. Or even a simple gorram Oreo.
You don't see a problem with medicinal monopolies?
Could you explain this? I think I know what you mean, but I want to be sure before addressing it.
If you think our current system is working then you live under a rock or just blinded with what others tell you.
Oh it's broken. Unfortunately the laws won't allow it to fix itself and nothing in the ACA addresses the issues in the system, like the actual cost of care or availability of medical professionals.
dylansan
Do you think it's acceptable that we pay taxes that go to things like police or fire services? Or is that also socialism?
Do we pay those taxes to the federal government? Do those services, by law, charge or treat individuals differently based on financial standing? Are these services operated by private corporations that I have to pay directly to?
They are not remotely similar.
dylansan
Well, there is a tax on insurance companies based on market share. Not that it will do much, but it's something.
This is actually the most damning part of the ACA. It is punishing success. Punishing market share will actually discourage insurance companies from offering a better price. This is designed (as in on purpose) to prevent the large insurance companies from losing business to smaller and newer companies that try to get in by offering better rates. The smaller company wont be able to afford to become competitive without raising their rates and losing the business again.
This is corporate cronyism and shows the ACA and Obama administration for what they really are.
Why punish market share?
Here's a pretty good explanation of all the changes the bill will make, with citations.
It would be better without the editorializing along the way. He spins regulations that require services that already exist as new, great things.
*ibo* S3 Racer
I find car insurance a better exemple, but your right and your comic strip was funny good.
I can choose to not buy car insurance if I don't have a car. And my car insurance rates are determined by my liability based on a pre-existing driving record, age, sex, etc. You know, insurance.
Also what do you want to be gouverned by : a elected gouv. or companies.
A Constitutionally limited government.
Also the insurance companies will not make more money, more income yes but their margin will probably be smaller, yet they will help a lot more people.
30 million new customers. Their margins would have to average more than a 10% drop to not be more money. And let's define help.
If democrates are socialist then republicans are egoists
And I rather have a socialist friend than an egoistic one
Stop the party rhetoric. They both want big government programs (socialist or fascist) and they both lie in bed with corporations.
theotherspongey
Your proof that it won't? Mine = common sense.
The law of supply and demand says it won't. Your proof sounds like a bad understanding of economic principals.
dylansan
I'm just trying to figure out how this healthcare system is socialism while taxing individuals for the sake of everyone's safety and security is not.
This charges different groups at different rates without matching the services to the charge. In other words, it is redistributing wealth.
nick09"
"Fine, if you don't believe it, then don't use the service of the police, firefighters, hospitals, public phones, roads, street lights, government post offices, bridges, libraries, stoplights, pedestrian lights, any type of work employed by the government, schools, school buses, city buses, trains, and etc...
You take things for granted.
Not all of those are provided by government and some shouldn't be. My hospital is private, my phone is mobile, I don't use the Post Office if I can help it but sometime have no choice because when a private system was created they made it illegal, I'm planning to send my daughter to private school, and I never use public transportation.
prisonermonkeys
I'm sure you will. However, I stopped reading after this sentence. I might be ignorant as to the finer points of American consitutional law, and I might be willing to learn more about it, but that doesn't give you a licence to be condescending in the way you go present yourself.
So I find it amusingly ironic that your user title says "Don't be a fool" when you've gone and done something as foolish as this. A case of do as I say, not as I do?
While it was in response to your quote it was not just referring to you. It was a statement about how I expected a day full of misinformation, confusion, and a general lack of knowledge regarding all the facts. I think that has proven itself out on both sides of the discussion. If I wanted to be condescending I'd use rolleyes smilies and have actually called you ignorant. I didn't because your misconceptions are common and thus reinforced by those around us.
But if you choose to take offense at my comment, then feel free. My wife also just walks away from me like that fairly often, so I'm used to it. It doesn't affect me.
tlowr4
I understand we all enjoy a good discussion/debate/hack-each-other-up-with-swords argument (occasionally), and maybe I missed something, but this thread was created in 2009. Why are we still on about it?
nick09
That's because the bill has gone into effect a few days ago.
The legal challenge in court just came out. It won't go into full effect until 2014. It is moving at the speed of government. That and by the time people realize how little this actually helps it will be too late to vote out Obama, which I think has far more to do with it the timing than anything.
It is 4:30 AM for me now and I typed this on my iPhone. I apologize for any typos and will scan for larger content errors tomorrow.