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PA Dem Rep: People Losing Their Insurance Under Obamacare ‘A Good Thing’
#11
Lkttomasz;127845 Wrote:Under the ACA, I was under the impression that insurance companies can still charge different premiums based on age? So young people's "shared risk pool" would be other young people

Please correct me if I'm wring

The risk pool is made up of the people who are in your "group". With traditional employer subsidized health insurance the group is made up of your coworkers. The bigger the company the bigger the pool. This is what lets large company bargain for lower rates with insurance companies since a big group means more premiums to offset high-cost claimants. (someone with a serious or chronic illness) Anyhow, with ACA what makes up a "group" is incredibly complicated but it's sort of a hybrid whereas a large portion of the money ends up shared accross the whole insurance "exchange" and some to the pool of people who buy the same type of policy.

What it all boils down to is this. As with any insurance product the low-risk insured subsidize the high-risk so that the actuarial tables all balance out. In health insurance the low-risk are the young so they are the ones who balance the calculation.
Ammunition, it's the new lead bullion. Buy it cheap and stack it deep.
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#12
Quote:When Obamacare fails (and it will) I fully expect to hear the "Well, we just didn't go far enough" argument too.

Does any of this sound vaguely familiar?

It will fail but when it does it will be bailed out like the big banks, AIG and Ford were. The Dems will push for and the Repubs will reluctantly go along with a bailout of the health insurance companies. Trillions of taxpayer dollars will be borrowed and printed to cover the gap created from the program's economically unviable low enrollment.

There will be no death spiral because the D.C. pols will add to the national debt the money needed to keep this train wreck going. Mark my words.
Live Free or Die
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#13
Jon Doe;127850 Wrote:
Quote:When Obamacare fails (and it will) I fully expect to hear the "Well, we just didn't go far enough" argument too.

Does any of this sound vaguely familiar?

It will fail but when it does it will be bailed out like the big banks, AIG and Ford were. The Dems will push for and the Repubs will reluctantly go along with a bailout of the health insurance companies. Trillions of taxpayer dollars will be borrowed and printed to cover the gap created from the program's economically unviable low enrollment.

There will be no death spiral because the D.C. pols will add to the national debt the money needed to keep this train wreck going. Mark my words.


Sounds like a death spiral on our currency to me.
Error 396: Signature cannot be found.
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#14
Jon Doe;127850 Wrote:It will fail but when it does it will be bailed out like the big banks, AIG and Ford were.
I think you are right, but for the record, it was GM that was bailed out, not Ford.
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#15
gascolator;127836 Wrote:Look; if we're going to do this thing we have to be "all in."

Anything else is fucking with a limp dick.

Many of my friends who've lost their policies had those that excluded maternity care--- which they loved because they were past child-bearing years. Never mind that their savings were at the expense of the parents of their grand-children (i.e., their children).

The point, I say the POINT of insurance is that you spread ALL risks. You can't get car insurance that excludes a collision during a left turn because you tend to avoid left turns.

The people who have babies don't have as many heart attacks, strokes, or Type 2 diabetes as those who are older. The older folk who have the latter diseases don't end up with complicated pregnancies. But THEIR GRANDCHILDREN do come down with juvenile leukemia!

The only way it works is if everyone's policy covers everything.

Ever notice that the people who end up buying the high-deductible policies are generally the ones who can't afford those deductibles? That's because they also can't afford the lower-deductible policy!

Under ACA, they can. The hospital and the doctor get paid, and the insured doesn't have to declare bankruptcy.

The people who need insurance the most are those for whom it costs proportionately the most. The ACA seeks to relieve at least some of that.


[Image: 01d8e44f759f49e30ee37d800288005a_21afbe8...9e00bf.jpg]

Cant wait for reality to smack the smug off yer face.
[Image: incubi+INK.jpg]. ABC,CBS,NBC,CNN no diff
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#16
Life would be so much easier, and our children would be so much happier, if we got everything for free and didn't have to accept any consequences for our poor decisions. Never mind the happiness of those we have to take from in order to get our free ride and never mind those who will lose the benefits of their good decisions--if they don't want to fund our fantasy they're either racists, homophobes, tea baggers, greedy, or some other combination of vitriolic insults that hate poor people, brown people, and children.

Give it to me, I want it for free, and it's OK to take it from thee.
Vampire pig man since September 2012
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#17
Camper;127924 Wrote:Life would be so much easier, and our children would be so much happier, if we got everything for free and didn't have to accept any consequences for our poor decisions. Never mind the happiness of those we have to take from in order to get our free ride and never mind those who will lose the benefits of their good decisions--if they don't want to fund our fantasy they're either racists, homophobes, tea baggers, greedy, or some other combination of vitriolic insults that hate poor people, brown people, and children.

That is exactly why the current regime enjoys so much support (or does it?). With the economy the way it is, the bottom levels are growing in size daily. Stir them up against those "rich people" (anybody with a job and any money at all) and they'll do your bidding. Hell, they'll even vote to keep you in office. They might even clamor to do away with term limits so you can stick around to make "those rich people" cough up their "fair share."
I don't suffer from insanity.
I enjoy every minute of it.
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#18
Notice that arrogant a$$hole doesn't want to be on it.
ideaman, proud to be a member of pa2a.org since Mar 2013.
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