robinkaye wrote:Why is our heathcare so expensive when othes pay so little? Could it be that more innovation came from the US in the 20th/21st centuries. Could others
be paying less as a result?
The MRI, Pet Scan, and chemotherapy were invented in the US. From 1906-2013 the US has 88 Nobel Prize winners in physiology and medicine. Switzerland (5), Sweden (6), Spain (2), Russia (1), Romania (1), Poland (1), Great Britain (26), Germany (22) Netherlands (3) and France(11) had a total of 75 prizes combined. (I counted from a long list so could be off on the negative side in the US.)
From a 'Neggo'...
We needed reforms to the whole whole industry. Instead we just expanded the insurance companies market - this was a giveaway to the insurance companies which so many people here excoriate on a daily basis and who makes (Ezra Klein, WP) 2.2% profit. Premiums are out of hand, rising from years of politicians paying off blocks of voters by instilling more and more requirements and regulations on insurance companies. Major medical insurance used to be cheap and we paid for office visits etc., insurance paid for the big stuff if you were sick or injured. I would much rather pay a small premium and cover the rest myself, would be much cheaper. It's really no different than the pet insurance I just purchased: no lifetime max, very cheap, I pay for all regular visits, vaccines etc. If my dog gets sick and needs testing and treatment all is covered after a small deductible. There is no pet lobby to insist that heartworm pills are covered, no votes to be gained by a politician. It's free market.
My hairdresser and her husband both own their own business, had great policies that they liked and both just received notice that their policy will be canceled because
it doesn't meet the new standards. Without a doubt this will cost them much more as people all over are finding out the hard way.
The policy we buy for our employees currently costs $1895 for an employee plus one and $2100 for family coverage per month. We don't have 50 employees (unless we open another
location...we won't) so we wouldn't face a penalty if we discontinue insurance and let everyone buy on the exchange. As the majority of workers are employed by small business what is
going to happen when they are all forced into the exchanges and also receive subsidies. Someone else is paying the bill and eventually we will run out of other people's money. Not to mention
that all of these additional costs: taxes, premium increases and so on are taking money directly out of the economy. The unintended consequences will be the lost of economic activity and loss of even more jobs. Currently we have a labor participation rate at 1979 levels.
We have a government that has spent three years getting ready for the roll-out and only one in ten can register for the exchange. This is not a glitch problem, it's a coding problem...hundreds of millions spent for a computer system that will not work. These are the very people along with the IRS that we just gave control of our entire healthcare system and our lives. Our personal information can be used by law enforcement or the IRS. Good luck fighting with the government when you find some drug or treatment you need is not covered. Anyone fight with the IRS lately, ever try getting the same information from two representatives. I've fought with insurance companies in the past and always won. My husband has not had one bill questioned and not paid in a timely manner in two years of treatment - I don't think that will be the situation going forward.
California will have only 55% of practicing physicians available through insurance purchased on the exchange. Cedars and major university hospitals will only be available to people in the immediate vicinity. Getting to pick and choose your hospital, go to MD Anderson or Sloan might be a thing of the past...and this is good? A lot of people will be able to get insurance but where are they going
to get their care? Yep, pre-existing coverage is great and I agree that someone that has been on insurance ( for example a child) should never be denied continuing coverage. However, what about the person who has elected to not have insurance choosing to take their chances. When they get sick they sign up (but it must be during open enrollment...not just anytime of the year) for insurance and the insurance company must cover - what's the difference between this and buying homeowners insurance as your house is burning down. It's no longer insurance - eventually the whole system will collapse and those that have money will be fine, they can pay cash and medical tourism may become a big industry...the rest of the middle class will be screwed.
The $400 subsidized policy mentioned earlier with a 5K deductible also will carry with it (assuming silver plan, according to Kaiser) will have a 12,500 out of pocket and only cover 70%. If it's a bronze plan then coverage is at 60% with a 12K+ out of pocket max - that's a lot of money for someone that can't afford insurance to begin with. A couple in NJ both 60 and making 80K jointly (Kaiser) will pay in excess of 16K for a silver plan with no subsidy a 5K deductible and a 12K out of pocket. I would have prefered a system which helps those who need help and left the rest of us alone.
I used to use the correct name, the Affordable Care Act but it is for most of the people in the country not affordable and it does not address the costs of care...just the cost of insurance and access to insurance does not guarantee access to care...just ask someone on Medicaid looking for a doctor. All of us are going to feel the affect of increases from taxes on real estate profits, more expensive medical devices, higher thresholds to deduct medical expenses from our income tax, more people without full time jobs, and a biggie for those who need their HSA accounts to fund care/education for a disabled child...they can now only contribute 2500 pre-tax to the accounts.
The White House bullet points on the ACA look great, who wouldn't think it's great but for all who like it so much have you looked at the 2200 page bill and the more than 10K pages of regulations governing the system. You have just guaranteed that you are no longer in control of your life...done...over. I don't look forward to the day in a few years when seniors with stage 4 cancer are told, as Obama once said in a Townhall, "just take a pain pill".
There have been many suggestions from the 'right' on how to cover more people and make the system more affordable but those suggestions would have meant more freedom for the individual, not a take over of the insurance industry by the government. If you haven't heard the many alternatives offered you haven't been listening.
No one wants to deny anyone care, we on the 'right' don't want children and cancer patients to go without excellent medical care - we have children and sick loved ones too, we like the 'talking points' just as much as you but we realize when it takes thousands and thousands of pages of law, rules and regs to accomplish the goal the system is broke and this isn't going to fix it.
justin case wrote:Sorry guys, but I feel that is ridiculous,
Burntcookie wrote:This is ridiculous.
Skypup wrote:robinkaye wrote:Why is our heathcare so expensive when othes pay so little? Could it be that more innovation came from the US in the 20th/21st centuries. Could others
be paying less as a result?
The MRI, Pet Scan, and chemotherapy were invented in the US. From 1906-2013 the US has 88 Nobel Prize winners in physiology and medicine. Switzerland (5), Sweden (6), Spain (2), Russia (1), Romania (1), Poland (1), Great Britain (26), Germany (22) Netherlands (3) and France(11) had a total of 75 prizes combined. (I counted from a long list so could be off on the negative side in the US.)
From a 'Neggo'...
We needed reforms to the whole whole industry. Instead we just expanded the insurance companies market - this was a giveaway to the insurance companies which so many people here excoriate on a daily basis and who makes (Ezra Klein, WP) 2.2% profit. Premiums are out of hand, rising from years of politicians paying off blocks of voters by instilling more and more requirements and regulations on insurance companies. Major medical insurance used to be cheap and we paid for office visits etc., insurance paid for the big stuff if you were sick or injured. I would much rather pay a small premium and cover the rest myself, would be much cheaper. It's really no different than the pet insurance I just purchased: no lifetime max, very cheap, I pay for all regular visits, vaccines etc. If my dog gets sick and needs testing and treatment all is covered after a small deductible. There is no pet lobby to insist that heartworm pills are covered, no votes to be gained by a politician. It's free market.
My hairdresser and her husband both own their own business, had great policies that they liked and both just received notice that their policy will be canceled because
it doesn't meet the new standards. Without a doubt this will cost them much more as people all over are finding out the hard way.
The policy we buy for our employees currently costs $1895 for an employee plus one and $2100 for family coverage per month. We don't have 50 employees (unless we open another
location...we won't) so we wouldn't face a penalty if we discontinue insurance and let everyone buy on the exchange. As the majority of workers are employed by small business what is
going to happen when they are all forced into the exchanges and also receive subsidies. Someone else is paying the bill and eventually we will run out of other people's money. Not to mention
that all of these additional costs: taxes, premium increases and so on are taking money directly out of the economy. The unintended consequences will be the lost of economic activity and loss of even more jobs. Currently we have a labor participation rate at 1979 levels.
We have a government that has spent three years getting ready for the roll-out and only one in ten can register for the exchange. This is not a glitch problem, it's a coding problem...hundreds of millions spent for a computer system that will not work. These are the very people along with the IRS that we just gave control of our entire healthcare system and our lives. Our personal information can be used by law enforcement or the IRS. Good luck fighting with the government when you find some drug or treatment you need is not covered. Anyone fight with the IRS lately, ever try getting the same information from two representatives. I've fought with insurance companies in the past and always won. My husband has not had one bill questioned and not paid in a timely manner in two years of treatment - I don't think that will be the situation going forward.
California will have only 55% of practicing physicians available through insurance purchased on the exchange. Cedars and major university hospitals will only be available to people in the immediate vicinity. Getting to pick and choose your hospital, go to MD Anderson or Sloan might be a thing of the past...and this is good? A lot of people will be able to get insurance but where are they going
to get their care? Yep, pre-existing coverage is great and I agree that someone that has been on insurance ( for example a child) should never be denied continuing coverage. However, what about the person who has elected to not have insurance choosing to take their chances. When they get sick they sign up (but it must be during open enrollment...not just anytime of the year) for insurance and the insurance company must cover - what's the difference between this and buying homeowners insurance as your house is burning down. It's no longer insurance - eventually the whole system will collapse and those that have money will be fine, they can pay cash and medical tourism may become a big industry...the rest of the middle class will be screwed.
The $400 subsidized policy mentioned earlier with a 5K deductible also will carry with it (assuming silver plan, according to Kaiser) will have a 12,500 out of pocket and only cover 70%. If it's a bronze plan then coverage is at 60% with a 12K+ out of pocket max - that's a lot of money for someone that can't afford insurance to begin with. A couple in NJ both 60 and making 80K jointly (Kaiser) will pay in excess of 16K for a silver plan with no subsidy a 5K deductible and a 12K out of pocket. I would have prefered a system which helps those who need help and left the rest of us alone.
I used to use the correct name, the Affordable Care Act but it is for most of the people in the country not affordable and it does not address the costs of care...just the cost of insurance and access to insurance does not guarantee access to care...just ask someone on Medicaid looking for a doctor. All of us are going to feel the affect of increases from taxes on real estate profits, more expensive medical devices, higher thresholds to deduct medical expenses from our income tax, more people without full time jobs, and a biggie for those who need their HSA accounts to fund care/education for a disabled child...they can now only contribute 2500 pre-tax to the accounts.
The White House bullet points on the ACA look great, who wouldn't think it's great but for all who like it so much have you looked at the 2200 page bill and the more than 10K pages of regulations governing the system. You have just guaranteed that you are no longer in control of your life...done...over. I don't look forward to the day in a few years when seniors with stage 4 cancer are told, as Obama once said in a Townhall, "just take a pain pill".
There have been many suggestions from the 'right' on how to cover more people and make the system more affordable but those suggestions would have meant more freedom for the individual, not a take over of the insurance industry by the government. If you haven't heard the many alternatives offered you haven't been listening.
No one wants to deny anyone care, we on the 'right' don't want children and cancer patients to go without excellent medical care - we have children and sick loved ones too, we like the 'talking points' just as much as you but we realize when it takes thousands and thousands of pages of law, rules and regs to accomplish the goal the system is broke and this isn't going to fix it.
Thanks for highjacking a positive thread...
and send back those SS checks after the first 5 years (which is about how long it takes to get back what you put in plus interest).
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