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Old 08-01-2013, 11:26 AM   #21
BroncoBeavis
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Originally Posted by B-Large View Post
This post is so utter uniformed its exhausting, but its a light day at work, so:
I didn't really dress it up, but whatever you say.

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1. Yes, people who have pre-exsiting condition will go sign up for the one of the 17 compaines plans' who will particpate in Colorado. Someplans will be lavish, others will be less expensive and consumer driven, so they will have deductibles with low monthly premiums. Other people will be obstinant, like there were prior to reform, and they will pay a penalty. When they get sick, the rest of us payers will have to make up for their portion of the risk pool, yet again.
Textbook:
http://en.wikipedia.org/wiki/Death_spiral_(insurance)

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2. They can inforce the mandate, the individual one goes into effect Jan 1. Like I said, you will get a tax penalty if you don't sign up, essentially forcing you to pay something so when you get sick there is at least something in the pot for deadbeats. Remeber, this law was designed to let good, earnest people who couldn't buy insurance do so... we just get the fund the morons on the way as well.
Don't you remember in the old days all the sob stories we heard of people who were uninsured and couldn't really afford coverage? Those stories still exist. Fining them will do little to make many of them less sympathetic. Plus widespread fining is just bad politics. Especially while employers remain arbitrarily exempted from the law. Not even getting into how wholly inadequate the fine would ever be towards balancing any kind of true cost once the sick inevitably enroll under the "House is on fire, so buy fire insurance" model

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3. Rates have burst upward for 10 years, and compaines are spiking them NOW because they can't after January 1 without some really good reason. If anything, you will see rates grow at a much, much slower rate when the ACA goes into effect.
The rate hike themselves will create more uninsured (who'll be assured they can buy in once needed) Again, Death Spiral 101.

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4. It was a States reposnsibility to set up exhanges to help their citizens. LA and TX did nothing, did not expand Medicaid even wiht funding gaurantees, and now the Federal Government they hate so much now has more power over their States and their citizens. Colorado' sunveils plans form 17 compaines in 2 weeks, the Exchange is set to go October 1, and we have expanded Medicaid for the poor with full dollar support this year from the Fed, and 90 on the dollar the next year... so aks youself, if you need insurance and can't get it, how happy are you with Texas and LA?
None of it was ever the States' "responsibility" The Supreme Court made that clear. What a precedent though, if you believe that.

"Boy this problem is gonna be tough. So States, you can take care of that part. We'll make sure to get you all the bureaucracy's regulatory deets a few months before the deadline."

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What did it accomplish, the goals it set out to. Let 30 Million uninsured by competitive health plans in the State, put regs on insurance compaiones so they can't continue to **** our citizens, among numerous other essential reforms.
Wrong answer. CBO still estimates 30 million uninsured. Likely a reduction of maybe 25-30%. All for the low low price of $1.76 trillion. The feds could simply pay the health bills for all of those uninsured at a much lower cost.

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Heres a question, what have conservative done for the last 30 of htis problem I'll wait, it will take a while. Oh, and I will give you Medicare Part D, but please, go on....
At what point did a Republican White House possess a Republican supermajority in order to pull off an ACA-Style legislative fisting?

The real problem with health care has to do with cost... cost, cost, cost. Which is enabled by overinsurance as opposed to underinsurance. And the illogical structure of health insurance brought about by the prevalence of (and regulatory encouragement of) employer-based coverage.

Last edited by BroncoBeavis; 08-01-2013 at 11:32 AM..
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