Revamping the ACA -What Say YOU??? - Talk About Marriage
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post #1 of 188 (permalink) Old 03-14-2017, 11:16 PM Thread Starter
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Revamping the ACA -What Say YOU???

I've been reading about it; however, I don't think I'm getting all the information I need. The NYT is basically reporting that people 65 and over will pay out the wazoo or not have government health insurance at all. The costs will be lower for younger/healthier people.

Here's the thing: My biggest concern is the government trying to craft a universal health care plan in any way, shape, or form. I don't have much faith in the bureaucracy to come up with something that will necessarily meet my needs. Still, under Obamacare, it appears a number of people got insurance they could not previously afford.

Is it fact or fiction that almost 25 million folks will no longer have health care if the Republican plan is approved? Also, what's the deal with Trump saying everyone would have health care? Sorry if I come across as dumb/misguided/naive.

I REALLY want to know if I'll have Medicare and supplemental insurance (through my previous government employer) when I hit 65. Maybe? Maybe not? Or will the cost be prohibitive to the point that this is not even a question to pose?


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post #2 of 188 (permalink) Old 03-14-2017, 11:53 PM
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Re: Revamping the ACA -What Say YOU???

Its not clear what compromise will come out of congress.

Heathcare is a $2T /year business in the US. Any changes involve moving huge amounts of money around and will cause strong opposition or support among the people who lose or gain.

The CBO which is fairly non-partisan but not omniscient calculates that ~25M fewer people will be covered and ~$300B will be saved over 10 years. Thats probably the best estimate we have, but its not that easy to predict how people will react.

Seniors vote at a high rate, so usually congress tries to avoid doing things that will anger them.
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post #3 of 188 (permalink) Old 03-15-2017, 02:05 AM
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Re: Revamping the ACA -What Say YOU???

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Originally Posted by Prodigal View Post
I've been reading about it; however, I don't think I'm getting all the information I need. The NYT is basically reporting that people 65 and over will pay out the wazoo or not have government health insurance at all. The costs will be lower for younger/healthier people.
What I read is that people between about age 60 to full retirement age will be the ones paying out the wazoo. Once Medicare kicks in for them, they will have Medicare, and plan A, B, D, supplemental plans, etc. like we do now.
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Here's the thing: My biggest concern is the government trying to craft a universal health care plan in any way, shape, or form. I don't have much faith in the bureaucracy to come up with something that will necessarily meet my needs. Still, under Obamacare, it appears a number of people got insurance they could not previously afford.
And many got insurance that they could not really afford with very high deductibles… so what they got were very expensive catastrophic plans.

Now the expansion of Medicaid under ACA helped a lot of people. And that’s a single payer plan.
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Is it fact or fiction that almost 25 million folks will no longer have health care if the Republican plan is approved? Also, what's the deal with Trump saying everyone would have health care? Sorry if I come across as dumb/misguided/naive.
What I read is that they expect about 25 million younger people to just not get health insurance because being young and healthy they see no need to pay for it. With the individual mandate gone, they won’t be forced by the government to buy insurance or be taxed (fined) by the IRS.
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I REALLY want to know if I'll have Medicare and supplemental insurance (through my previous government employer) when I hit 65. Maybe? Maybe not? Or will the cost be prohibitive to the point that this is not even a question to pose?
What I’m reading it YES, Medicare, supplemental, etc. will be as it is now. But who knows???? I have zero faith in anyone in your government, from any party to do anything right. They all suck.

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post #4 of 188 (permalink) Old 03-15-2017, 03:39 AM
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Re: Revamping the ACA -What Say YOU???

Trumpcare : if approved... would mean 14million Americans will lose their healthcare by 2018. It only benefits the people who make lots of money. I'm not such if the losses includes the mess of Medicare being wiped out.

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post #5 of 188 (permalink) Old 03-15-2017, 06:18 AM
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Re: Revamping the ACA -What Say YOU???

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Trumpcare : if approved... would mean 14million Americans will lose their healthcare by 2018. It only benefits the people who make lots of money. I'm not such if the losses includes the mess of Medicare being wiped out.
the 14 million are people who would choose not to have health care, they would not be denied getting it. There is little sense in paying for health insurance if you are healthy and 22 years old, unless you get some catastrophic coverage. You would never spend your premiums.

Health care today is already about lining the pockets of several groups.... There is too much $ in it to think otherwise.
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post #6 of 188 (permalink) Old 03-15-2017, 06:39 AM
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Cool Re: Revamping the ACA -What Say YOU???

I'm sorry, but if getting elected to Congress, President/VP, or being confirmed as Cabinet Secretary, or Security Advisor gets one free lifetime medical and hospital benefits for themselves and their family members, then the least that the Fed can do is to either rescind those hallowed perks that they seemingly vote to bestow upon themselves or to make it available to all American citizens at the barebones cheapest Federal rate!

The reason that we are in the shape we are in is that the medical/insurance/services lobby wants to remain the bankrupting business it is so heralded to be! With them, the priority is on the business of putting billions into their own greedy pockets and most resounding fin-stats as opposed to the God-ordained empathy in offering help to their fellow man!

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post #7 of 188 (permalink) Old 03-15-2017, 06:41 AM
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Re: Revamping the ACA -What Say YOU???

Single payer already.

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post #8 of 188 (permalink) Old 03-15-2017, 06:41 AM
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Re: Revamping the ACA -What Say YOU???

Choose not to or can't afford to?

The old system was like that too. You often could get insurance with a preexisting condition. But the rates made it impossible.

There's no explanation other than Republican stupidity to account for age based subsidies.
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post #9 of 188 (permalink) Old 03-15-2017, 08:10 AM
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Re: Revamping the ACA -What Say YOU???

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Choose not to or can't afford to?

The old system was like that too. You often could get insurance with a preexisting condition. But the rates made it impossible.

There's no explanation other than Republican stupidity to account for age based subsidies.
The ACA is a tax on young people to support the older folk.
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post #10 of 188 (permalink) Old 03-15-2017, 08:19 AM
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Re: Revamping the ACA -What Say YOU???

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The ACA is a tax on young people to support the older folk.
No disagreement. But that's how insurance works to begin with.

The Trumpcare version does the same shifting of costs via age based subsidies, it's just a bit more blatant about it.

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post #11 of 188 (permalink) Old 03-15-2017, 08:39 AM
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Re: Revamping the ACA -What Say YOU???

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No disagreement. But that's how insurance works to begin with.

The Trumpcare version does the same shifting of costs via age based subsidies, it's just a bit more blatant about it.
Car insurance is not based on one age supporting the other ages. Hence why you pay more when you are young....
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post #12 of 188 (permalink) Old 03-15-2017, 09:13 AM
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Re: Revamping the ACA -What Say YOU???

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Car insurance is not based on one age supporting the other ages. Hence why you pay more when you are young....
Insurance in general is cost and risk shifting. Often with unpredictable results...

Car insurance is not remotely like health insurance. But all insurance is cost and risk shifting.
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post #13 of 188 (permalink) Old 03-15-2017, 10:16 AM
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Re: Revamping the ACA -What Say YOU???

Agreed. It worked because young people don't vote as frequently as old people do. It was simple political expediency.

Any other way of paying will be an uphill battle because it will likely worse for the voting public even it it is better for the public in general.




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The ACA is a tax on young people to support the older folk.
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post #14 of 188 (permalink) Old 03-15-2017, 10:40 AM
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Re: Revamping the ACA -What Say YOU???

I am considered the "working poor". We make enough to cover our household expenses, but nothing more. We own our cars outright (they're each over a decade old) and we have zero credit card debt, make all our food at home, etc. etc. Hell, we even buy everything we need to used. Clothes from the resale shops and appliances from used appliance stores. It's truly not a matter of belt tightening.

Pre-Obamacare, we couldn't afford insurance and couldn't qualify for state insurance (medicaid) because our income was deemed "too high" (we're slightly above poverty level for our family size) and we literally couldn't afford the upwards of $500-$1200 a month health insurance would cost us. After the state took the Obamacare subsidy, they expanded to covering more of the "working poor" and we qualified.

If the AHCA is repealed, our state loses the subsidy and will have no choice but to cut coverage. We'll lose our insurance.

Meanwhile, after years uninsured, I was finally able to have my heart and thyroid conditions treated and get yearly physicals, pap tests, mammograms, and scans. My doctor has recently discovered possibly cancerous growths on my thyroid and breasts. I am scheduled for further testing and then treatment depending on what the testing reveals. If I have cancer, treatment will save my life. If I do not have cancer, I will have to be monitored for years to come.

Basically, if the ACHA is repealed and not replaced with something for people in my situation, I will not be able to afford insurance and I will not be able to seek treatment for my regular chronic conditions, much less cancer.

Follow the evidence where it leads and question everything.
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post #15 of 188 (permalink) Old 03-15-2017, 11:09 AM
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Re: Revamping the ACA -What Say YOU???

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I am considered the "working poor". We make enough to cover our household expenses, but nothing more. We own our cars outright (they're each over a decade old) and we have zero credit card debt, make all our food at home, etc. etc. Hell, we even buy everything we need to used. Clothes from the resale shops and appliances from used appliance stores. It's truly not a matter of belt tightening.

Pre-Obamacare, we couldn't afford insurance and couldn't qualify for state insurance (medicaid) because our income was deemed "too high" (we're slightly above poverty level for our family size) and we literally couldn't afford the upwards of $500-$1200 a month health insurance would cost us. After the state took the Obamacare subsidy, they expanded to covering more of the "working poor" and we qualified.

If the AHCA is repealed, our state loses the subsidy and will have no choice but to cut coverage. We'll lose our insurance.

Meanwhile, after years uninsured, I was finally able to have my heart and thyroid conditions treated and get yearly physicals, pap tests, mammograms, and scans. My doctor has recently discovered possibly cancerous growths on my thyroid and breasts. I am scheduled for further testing and then treatment depending on what the testing reveals. If I have cancer, treatment will save my life. If I do not have cancer, I will have to be monitored for years to come.

Basically, if the ACHA is repealed and not replaced with something for people in my situation, I will not be able to afford insurance and I will not be able to seek treatment for my regular chronic conditions, much less cancer.
the problem has always been how to cover the working poor. Which really sucks, because we give freebies to the non-working poor....
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