Healthcare bill

Hey Matbrot, maybe you don't understand that freedom of choice is a powerful option for individuals.. Does that resonate w/ you ?

Why should I , as a healthy individual, subsidize those that are unhealthy?  Do I, as a safe driver, subsidize those of others that are unsafe drivers ?  *(NO)

I think you'll understand the madness once you think it through. 

You 'Libs' seem to assign a special assignment when it comes to healthcare...   

""""" Is there a remotely sane person who is not already rich that thinks the Most recent proposal is a good idea? """"

I think it's important to read again the words again from Matbrot.  This is the same kind of class warfare that we engaged during the O'bama presidency.  Tax the rich to help to help the poor.

Hell, even  Lincoln will tell you that is not the route to a prosperous nation.

Matbrot, you need some education my friend...

Do I, as a safe driver, subsidize those of others that are unsafe drivers ?  *(NO)


that's actually exactly how insurance works.  the good drivers subsidize the bad ones. 

that's actually exactly how insurance works.  the good drivers subsidize the bad ones.  

i sure do. and the good drivers pay less but they still pay plenty and they don't get that money back if they never get into a crash because the insurance company puts that money into a pool (what isn't costs and profit) to pay out claims for the people who do get in accidents, which bad drivers do more than good drivers.

how do people not understand how insurance works?

this helps explain how insurance works.  it's health insurance but the fundamental principles of insurance are the same whether you are insuring your health, a car, house, etc.

https://www.kff.org/health-reform/issue-brief/high-risk-pools-for-uninsurable-individuals/

if you don't want to read the whole thing, this sums up the issue of low risk subsidizing high risk: low risk = healthy people = good drivers.  high risk = unhealthy or old people = bad drivers.

In the U.S. and other developed nations, population health care spending is highly concentrated:  in any given year, the healthiest 50% of the population accounts for less than 3% of total health care expenditures, while the sickest 10% account for nearly two-thirds of population health spending (Figure 1). Private health insurance pools risks so that premiums paid by most enrollees, who have low claims costs, help pay claims for the small share of enrollees with high costs.

this is why any discussion of high risk pools always has to include what additional money will be added to the pool to pay for the high risk people.  it will either come from the government or the low risk/good drivers or somewhere.  otherwise, it can't work because something has to subsidize the high risk enrollees. 

not only can you compare auto and health insurance from an insurer's perspective, they rely on the exact same fundamental insurance concepts- again, the fundamental concepts of insurance are the same no matter what is being insured.  risk is spread out by having low risk people add money to the pool so claims can be paid for the high risk people. which again, can be seen by the fact that nowhere will you see a high risk pool (i.e. a pool without low risk people in it) work without money coming from somewhere to subsidize it.   if you don't have low risk people paying into the pool to subsidize high risk people, insurance fundamentally does not work.

and good drivers/healthy people pay plenty or it doesn't work. individually, they pay less but as a group, they pay a lot and that's the only way insurance works.  most people don't get into a lot of accidents.  that group of most people, as a group still pays a loit of insurance.  that's how it works.  or it doesn't work. 

the basic concept of insurance is not that complicated.  feel free to read the article i posted. 

the rest of your post really has nothing to do with my point. 

Gotcha. You are addressing it from insurers side. Thought you were talking to fellow from consumer side.  Absolutely from insurers side it's got to be level.  From a consumer side absolutely not at all.  But pretty sure he was talking about the consumer side.  But obviously with car insurance the high risk pay more than the low risk. Health insurance is differnt in that regard. Same with life insurance or property insurance. You are correct, in that it would not work otherwise. 

i think i took the thread on a bit of a tangent. 

the main thing i know about health insurance from the consumer side is i pay too much and have for as long as i can remember.  my biggest fear from the consumer side is i've paid so f*cking much in premiums over the years and maybe i won't be covered or fully covered one day. 

that's got to be brutal when it happens to people. 

Again, in Tuesday Mitch McConnell and GOP Senators are trying to squeeze in a 17% nation support Health Bill. I am not sure McConnell will get 50 "yes" but definitively this bill will hurt GOP's constituents pretty bad as well as others.  

Commonwealth fund assess world healthcare systems based on efficiency, access, equity, quality of care and healthy lives.  Problem is that Trumpcare and the old healthcare system are worser than Obamacare. 

Benefits outweigh costs under Obamacare.  The number of uninsured who become insured exceed the number of high earners who pay over 10% of income for insurance.  Best solution is to fix Obamacare by subsidizing those who overpay.

No solution it is/was all smoke and mirrors. No-one should pay their premiums or just pay the premium and send in an extra $10 a month if you start using. Government workers pay 25% of their coverage and the taxpayer pays the rest. It's called a benefit if you work for the Gee-Man if you receive money and not work for the Government it's called a Subsidy?? Both are paid with our taxes???

Trump voters would be among the biggest losers in Republicans' Obamacare replacement plan.....

i'm sure he'll make it up them and make them big winners in his upcoming tax plan tho.  

GOP Senators could not jam in the Repeal and Replace ACA last night, also failed to pass the Replace ACA ONLY. John McCain is among the seven GOP Senators to vote "NO". Mitch McConnell has other option for the Trumpcare: skinny Replace ACA, but this skinny option could wreck the insurance market and jack up premium by 20%, according to CNN Money. And it would toss out 16 millions people from health insurance, CNBC says.