More Obamacare fuckups

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10-21-2013, 01:25 PM
Wrathbringer

Quote:

Originally Posted by Buckwheet

I am actually okay with it also. Because I think if you want to go it alone, totally alone, then you should be allowed to. Its like smoking to me. If you smoke in your own home and get cancer from it and die, you had zero impact on me as long as you used zero public services. If you smoked in your own home and got cancer from it, started coughing up blood and go to the ER without insurance, they should kindly move your ass to sidewalk and let you die.

Sounds fair to me. I was the one that opted out, after all. But it apparently doesn't sound fair to our socialist government, unless you're part of said socialist government, in which case you can opt out, apparently.
10-21-2013, 01:27 PM
Wrathbringer

Quote:

Originally Posted by cwolff

I'm ok with self insuring. You'll just have to have as much cash set aside as the max coverage on a basic policy. What's that limit now? 750k?

So why isn't Obummer okay with self insuring? Tyranny, says I!
10-21-2013, 01:28 PM
Buckwheet

Quote:

Originally Posted by Wrathbringer

Sounds fair to me. I was the one that opted out, after all. But it apparently doesn't sound fair to our socialist government, unless you're part of said socialist government, in which case you can opt out, apparently.

I am not disagreeing with people that the current implementation is stupid. I am saying that most people are not willing to take that hard line approach and actually follow through with what "opt-out" actually means.

I don't think a bill would have been passed through congress that said we are going to let people die on the sidewalks. That is why Obama and congress didn't agree. Its why there is the "help" mandates in the first place right?

I can see it now. Cunt A and Cock A "opt-out" and then forget to use their rubbers. So Bastard A is on their way into the world and they have to give birth in their trailer park with no assistance so Cunt A and Bastard A die in the process all because Insurance companies A, B and C would not offer coverage they could afford since the pregnancy would now be a "pre-existing condition". Insurance company D, which they could afford, only covers abortions. There would be riots in the streets!
10-21-2013, 01:31 PM
cwolff

Quote:

Originally Posted by Wrathbringer

So why isn't Obummer okay with self insuring? Tyranny, says I!

If you halfway as intelligent as you try to sound you'd not self insure. Financially the plan is a loser. It's the same as paying cash for a 750k home and then burying another 750k in the back yard in case it burns down. It's stupid on every level and the people who have the kind of cash lying around to do it, are smart enough to use that money effectively and let the insurance companies carry the risk. This goes back to the original reasons insurance came to be in the first place.
10-21-2013, 01:31 PM
Tgo01

Ah ha! The cost of uninsured is 49 billion dollars annually, which amounts to less than 2% of all healthcare spending in the US. Compare this to my previous link of obesity cost 21% of healthcare spending in the US.

As I said blaming the uninsured was a witch hunt. We can't call out the fatties for skyrocketing costs, that would be mean.
10-21-2013, 01:33 PM
Buckwheet

Quote:

Originally Posted by Tgo01

Ah ha! The cost of uninsured is 49 billion dollars annually, which amounts to less than 2% of all healthcare spending in the US. Compare this to my previous link of obesity cost 21% of healthcare spending in the US.

As I said blaming the uninsured was a witch hunt. We can't call out the fatties for skyrocketing costs, that would be mean.

I am of the opinion of calling out everyone. From the providers to the abusers of services. This is a moral choice in my mind and if Wrath doesn't want to pay, then I should be given the choice to belong to a network that would let them rot on the street if I so choose. If I don't choose that then I could join a "faith based" insurance program that heals the sick and needy. But since I don't give a shit, I would join the first.
10-21-2013, 01:34 PM
Jeril

What about the smokers and the drunks, Tgo? Since you seem to be in a researching mood.
10-21-2013, 01:35 PM
cwolff

Quote:

Originally Posted by Jeril

What about the smokers and the drunks, Tgo? Since you seem to be in a researching mood.

And the elderly. Throw up their numbers
10-21-2013, 01:35 PM
Wrathbringer

Quote:

Originally Posted by cwolff

If you halfway as intelligent as you try to sound you'd not self insure. Financially the plan is a loser. It's the same as paying cash for a 750k home and then burying another 750k in the back yard in case it burns down. It's stupid on every level and the people who have the kind of cash lying around to do it, are smart enough to use that money effectively and let the insurance companies carry the risk. This goes back to the original reasons insurance came to be in the first place.

It may not be intelligent to take my life savings and bet it all on red, but guess what? IT'S MY SAVINGS. I'll do what I please with it, and people (including myself) have fought for my right to do so. Obummer signs away another liberty. The pen is indeed mightier than the sword.
10-21-2013, 01:36 PM
Jarvan

Quote:

Originally Posted by Buckwheet

The insurance company I was with didn't have to give a refund, so they were in the 80/20 bracket already. It is not the "exact" same plan only because the max out of pocket went from $10,000 to ACA max of $12,700. Everything else is identical. So why did they go down that much? The only intelligent reason I can see is because more money is coming it pay for the overall bills, which includes paying for people without insurance.

This argument is really stupid because of the following statements:

I don't think - I don't care what anyone "thinks" I care about facts. Why did my premium go down $1100 a MONTH?

How do hospitals make money? They charge for services. There is a reason a simple blood test at the hospital is like $300 here but yet I can order the same thing online for $75. I don't know what that reason is, do you? Its included in my "annual physical" that the insurance company pays fully for me. Why don't they just mail me the kit and save $225 just in the blood test? You can't actually get the blood draw/test at the satellite office. They give you an order and you drive to the "hospital" where the "lab" is.

So all I want to know is, why is it okay for someone who had no insurance be all upset they have to pay into the system at HALF what I was paying for the past 10 years or so, and I can't be pissed off that for 10 years I put 70 grand into the system?

Even if the plan was employer sponsored its included as "total compensation" on most job descriptions and competitive job offers I have ever gotten. Just because someone else is pissing away their money doesn't mean someone isn't negatively impacted through a competitive job offer. We already know of companies saying "go to the exchange and if you buy bronze we will just re-reimburse you for the expense. anything over bronze you pay out of pocket."

Basically, you are the exception to the rule. As to why it would have come down that much, if anything, it's because ACA exchange plans are based off your income. Old school personal health plans most certainly were not.

1100 a month is not how much you were paying for the "uninsured". Especially since most plans cost no where near that much. Hell, I can't even fathom why you were paying that much to begin with. I frankly have NEVER seen a personal health plan for a family cost 1500+ a month, and I figure you were paying 1800? Specially not one with an 80/20 split and HDHP.

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