Obamacare on Life Support article

@IC:

I agree with you that ACA is not the cure, but I don't think it's any better than what we had.

And yes, getting the middle man out would go a long way for me to accept any type of universal healthcare system, but there will always be the federal government portion which I don't like.

I see your point about migration but at the same time, each state has different healthcare needs/costs based on the widely mixed population so a one size fits all is also difficult. Maybe there should be a state-level program and a migrant program for those who live/work in multiple states.
 
irvinehomeowner said:
@IC:

I agree with you that ACA is not the cure, but I don't think it's any better than what we had.

And yes, getting the middle man out would go a long way for me to accept any type of universal healthcare system, but there will always be the federal government portion which I don't like.

I see your point about migration but at the same time, each state has different healthcare needs/costs based on the widely mixed population so a one size fits all is also difficult. Maybe there should be a state-level program and a migrant program for those who live/work in multiple states.
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ACA allows a state to operate their own exchanges (see Covered California). Never mind ... got mixed up with your foray into universal coverage.
 
Irvinecommuter said:
morekaos said:
I've said this for years. This was a planned disaster, designed to fail so implementation of single payer becomes the only option....check mate
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Obamacare was the GOP alternative to Single Payer...it's what Romney implemented in Mass. 
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Romneycare failed too...they folded it in as a last ditch effort.  Obamacare will collapse under its own weight too..

http://www.politico.com/story/2014/05/massachusetts-romneycare-health-care-exchange-106362

Mass. ditches RomneyCare exchange

RomneyCare?s pioneering health insurance exchange is headed for the scrap heap.

Bay State officials are taking steps this week to junk central parts of their dysfunctional health insurance exchange ? the model for President Barack Obama?s health care law ? and merge with the federal enrollment site HealthCare.gov.

The decision is part of an expensive plan that would occur alongside a parallel, last-ditch attempt to still build a working state system.

The state on Monday announced the hiring of hCentive, a Virginia-based contractor that helped construct the Kentucky and Colorado exchanges. The company would rush to build a viable state exchange in time for the next enrollment season, which begins Nov. 15.


 
The last pin

http://hosted.ap.org/dynamic/stories/U/US_INSURANCE_CO_OP_TROUBLE?SITE=AP&SECTION=HOME&TEMPLATE=DEFAULT&CTIME=2015-12-10-16-00-23

Lone profitable ACA insurance co-op losing millions

The lone health insurance cooperative to make money last year on the Affordable Care Act's public insurance exchanges is now losing millions and cutting off individual enrollment for 2016.

Maine's Community Health Options lost more than $17 million in the first nine months of this year, after making $10.9 million in the same period last year. A spokesman said higher-than-expected medical costs have hurt the cooperative.

The announcement casts further doubt on the future of insurance cooperatives, small nonprofit insurers that were created during the ACA's creation to inject competition in insurance markets. These co-ops immediately struggled to build their businesses. A dozen of the 23 created have already folded.

 
Another thing that the ACA has brought is that fewer people stay at jobs they don't like just so they can keep their medical coverage.

Before ACA, the #1 reason of people declaring bankruptcy was due to health problems. Will that change now? Too soon to tell. I believe it will.

I don't think the ACA is just about finances. There is also an aspect about it that just seems like making our country a better place to live. I want to live in a country that takes care of the health of its citizens.
 
That is a super sparkly thought!! Unfortunately, as the name of this thread implies, pixy dust will not sustain a system that is collapsing into a deep and bottomless pit of debt, dug with the shovels of "best intentions".
 
Actually, I think the effect of ACA is the opposite on employment.  I've had the benefit of being on four different plans in the last two years.

ACA plans provide nothing like a good employer plan.  Their networks of providers are literally half or less than the size of the employer plan and your well established providers with existing customer bases aren't in them. 

The employer market has fractured into multiple tiers with top end employers offering plans that cost the employee a couple hundred that are platinum type plans with massive networks.  To those that offer an ACA quality plan.  Or offer a good plan but leave the employee to cover the vast majority premium, $1200, $1400, $1600 or more a month.
 
Well looks like life support just flat lined....I'll call it. "Time of death....October 25, 2017. A short and painful life."

Obamacare's Collapsing. That Was Always The Plan.

Thursday, President Obama attempted to defend the skyrocketing costs of Obamacare by comparing them to the Samsung Galaxy Note 7, a smartphone that was banned on airplanes because it had a nasty habit of spontaneously combusting. Obama said that even though the Samsung had problems, ?you don?t go back to using a rotary phone.?

Except, of course, that you do go back to using a rotary phone while you recall all the devices and rethink how to avoid exploding devices.

This was always the plan. I told Fox News back in August 2013 that Obamacare was designed to fail, thereby necessitating a government option. That option would bankrupt insurance companies ? the government doesn?t have a necessity for profit margin, and therefore, for decent service ? and lead to the complete government takeover of healthcare Obama has always sought. In other words, Obamacare was created with designed obsolescence ? it?s as though Samsung had designed their phones to melt down so that they could then market the Samsung Galaxy Note 8, Government Edition.

http://www.dailywire.com/news/10118/obamacares-collapsing-was-always-plan-ben-shapiro#
 
The problem is really two fold.

Continued increasing usage of services and products.

Producers of said products gaming the system (i.e. Mylan).


if you're mandating to go back to the way it was, price increase taming was completed by exclusion of services, coverage or products.

 
ACA isn't perfect. It needs to be improved. Healthcare delivery/costs weren't perfect before ACA. It's a tough extremely complex issue.
 
Its an entirely predicted disaster. I lost my doctor, lost my preferred insurance, lost my $500.00 deductible and saw my monthly costs jump. So great!!!
 
morekaos said:
Its an entirely predicted disaster. I lost my doctor, lost my preferred insurance, lost my $500.00 deductible and saw my monthly costs jump. So great!!!
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Wait, so Obama lied?  If you liked your plan, Obama said you could keep it.  And Perspective always says, "Words matter."

Well, I guess actions speak louder than words.
 
morekaos said:
Its an entirely predicted disaster. I lost my doctor, lost my preferred insurance, lost my $500.00 deductible and saw my monthly costs jump. So great!!!
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Your plan changed. The coverage improved. Healthcare premium annual increases before ACA well exceeded inflation.

I'm only defending ACA against political rhetoric. That's all. I think it was a poor political decision. The vast majority of folks had medical insurance before ACA. Nobody liked the annual rising premium costs, but we could just blame evil insurance companies - always a good target.

After ACA, any healthcare issue someone has can be used as proof ACA is terrible. It was a terrible political decision to try to do something about healthcare delivery, especially at the start of the Great Recession (says the healthy guy with a healthy family who receives heavily subsidized healthcare insurance from his employer and whose out-of-pocket portion is not subject to taxes).
 
I have always worked for Fortune 100 companies. Thank God i had my kids prior to ACA. Both C- sections cost me a $500.00  deductible.  Post ACA my 20 year doc went to concierge medicine ($2000.00 a year retainer) my deductible is now $6000.00, my former insurance is no longer a choice and my premiums are up 20%.  I am basically self funding with a catastrophic care policy...but abortions are covered...thanks ACA and Obama...that worked out great!!!
 
My healthcare doctor/plan didn't change, but we pay additional Medicare taxes and net investment income taxes now due to ACA. So I'm raging too!  :mad:

Who cares about the tens of millions of folks who couldn't afford healthcare or couldn't get it due to a pre-existing condition? That's not my problem! They should've chosen better parents and healthier bodies!
 
Not sure if it is possible with the profit margins in insurance/healthcare, but we need to introduce a basic health care system that everybody pays premiums into...maybe expand medicare/Medicaid to cover more people of all ages.  Most kids use their parents insurance so maybe we could put it at 21+ to be covered etc.  Then people that want better coverage can have their choice on private insurance for extra coverage.  So a true governmental option for a base option...to compete with private insurance. 

The 1 thing obamacare did positive was hospitals couldn't refuse care which is important, but there's too many flaws in the system as we are seeing now. 
 
Perspective said:
My healthcare doctor/plan didn't change, but we pay additional Medicare taxes and net investment income taxes now due to ACA. So I'm raging too!  :mad:

Who cares about the tens of millions of folks who couldn't afford healthcare or couldn't get it due to a pre-existing condition? That's not my problem! They should've chosen better parents and healthier bodies!
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But the platform who you support thinks other wise.
 
eyephone said:
Perspective said:
My healthcare doctor/plan didn't change, but we pay additional Medicare taxes and net investment income taxes now due to ACA. So I'm raging too!  :mad:

Who cares about the tens of millions of folks who couldn't afford healthcare or couldn't get it due to a pre-existing condition? That's not my problem! They should've chosen better parents and healthier bodies!
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But the platform who you support thinks other wise.
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I was being sarcastic. I am party-less. I support very liberal policies on most social issues, and am fairly conservative on fiscal issues.
 
But this just doesn't balance out.  The social gain to me is far outweighed by my personal costs (and i doubt i'm alone on this), or for that matter the national fiscal cost of this badly thought out, badly executed disaster.  "Fixing" it will be even worse!! We are to trust the same clowns that set it up to fix it? Can we really be that gullible and foolish?... Probably
 
But lower income people can't afford to pay premiums. That's why they get med-i-cal (and basic Obamacare) for free and medicare has a tiered system already as well.

So basically we have that already.

My insurance costs got significantly worse after Obama care.

The protocol is for me to see two specialists for a total of a minimum 5 visits per year. My copays are $50 for those visits now and that doesn't include the required lab tests.

On the good side, mammograms and pap smears are free (as well as the doctor costs associated with those tests) but my cost for those pre Obama care are less than just the copay increase and if I need a diagnostic mammo (as I do about half the time I go in) that isn't even discounted....... only screening mammos are free.

And don't even get me started on out of pocket maximums. I basically have a catastrophic policy now when I used to have a low deductible and low max oop expenses.

Having worked in health care the system is completely unfair. Those with insurance pay for certain things (not covered......... out of their own pocket) that are completely 100% covered by med-i-cal and they don't pay premiums!

If you don't work in health care you have no idea how ripped off those who work can be compared to those who get "free" coverage.

Off my soapbox......... happy I'm a 10 year cancer survivor. I had a 20% chance of making this far so I'll pay those $50 copays but if I needed chemo it would be $50 per treatment just to walk in the door, plus costs for the meds and labs during and in between treatments and then there is the daily radiation treatments for weeks. Honestly it would really be a problem for many people facing those costs and then knowing "some" people get them for free.... not really free, paid for by Mr. and Mrs. working taxpayer.

 
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