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Old 12-16-2013, 08:08 AM  
Msmith Msmith is offline
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An objective look about the ObamaCare

An article was written by Michael Boskin about the coming economic and political problems of ObamaCare. He was the economic adviser under W Bush so he might have some biases toward the ACA. I just list some of his main points:

1. The sticker shock - the premiums are 30% higher with higher deductibles and copays for many people.

2. The "I can't keep my doctor" shock - insurance companies, given cost pressures, will offer plans that have very restrictive networks.

3. IT failures - the back-office side of the website is not done, which means to face possible delay in eligibility, coverage gap, billing, claims, insurer payment and patient information protection.

4. Fewer health providers and longer waiting line shock - many doctors/hospitals would not accept any new patients in Medicare and Medicaid.

5. Medicaid spending for the states - This pressure on state budgets means less money on education and transportation or higher state taxes.

6. The "Cadillac tax" shock - it will fall heavily on unions four years from now.

There are political shocks which I am not certain that could happen so I am not getting into that. Even though the writer was a Bush's man but his opinions are very legit. So far I have not seen any ObamaCare supporters refute any "crying wolf" warning with objective reasoning.

Link: http://online.wsj.com/news/articles/...60603531505102
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Old 12-19-2013, 11:54 AM   #31
Msmith Msmith is offline
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I have finally enrolled into the Market Exchange. The one that we chose: Marquee 4000 by PHP has a $8000 family deductible and the total out of pocket money is $12700 yearly. The premium is $1000 but due to our family income, the subsidy covers the premium. We will still come up the $12700 in case something goes horribly wrong. And we are now in the government's mercy. I guess I have to vote Democrat from now on.
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Old 12-19-2013, 12:12 PM   #32
patteeu patteeu is offline
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Quote:
Originally Posted by Fish View Post
But instead of addressing our costs and how to lower them back to manageable levels, all we do is whine about the insurance part of it (Obamacare) and how it is destroying everything.
Why didn't democrats make the rising cost of healthcare the primary focus of healthcare reform instead of focusing on the insurance part of it?
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Old 12-19-2013, 12:13 PM   #33
patteeu patteeu is offline
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Quote:
Originally Posted by Fish View Post
No I don't think we should endure it. We should do everything we can to demand a real working solution. We need to quit blaming "The other side" and start focusing on our crazy health care costs. We're too caught up on a magical solution for the insurance side of it. But the insurance part of it is and always will be dependent on the actual costs. Tweaking the insurance part of it isn't going to fix the source of the problem. The insurance part of it must go up when the costs go up. There's no way around that. And we're not going to fix the whole enchilada by working backwards starting with the insurance part. I don't have a solution for the cost. It's very very complicated. But the point is that we're approaching the entire thing backwards.
BTW, I couldn't agree more.
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Old 12-19-2013, 12:21 PM   #34
blake5676 blake5676 is offline
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Originally Posted by patteeu View Post
Why didn't democrats make the rising cost of healthcare the primary focus of healthcare reform instead of focusing on the insurance part of it?
Agreed. It's the underlying issue and that fact is tough to dispute. All the ACA did was shift around money for premiums. And mandate that people buy something, thus essentially giving the private insurance companies more customers/money.

Typically, I think most government regulations are excessive. Hell, the insurance claims have thousands of regulations, which providers have to comply with as well. All of those things take more time to deal with than seeing actual patients!
However, hospitals (prob the biggest culprit in healthcare costs) don't even have to disclose their chargemaster lists. You , the customer or patient, have not the slightest clue what kind of bill you're going to get stuck with when you go through those doors. So, contrary to my normal opinion that we're over-regulated, I think a little forced intervention and transparency on that side would go a long ways.
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Old 12-19-2013, 12:29 PM   #35
KC Dan KC Dan is offline
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Originally Posted by Brainiac View Post
Why the **** should I be forced to change doctors just because some asshole politician decided to **** with my health insurance? You really don't see why that would piss anyone off?
Because he has such a clear view of everything
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Old 12-19-2013, 12:31 PM   #36
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Originally Posted by suzzer99 View Post
Please explain how this works when the Federal govt picks up the entire tab for Medicaid expansion for a while?

WSJ peddling blatant false propaganda. SHOCKER
Maybe because they aren't blind mice following a hope and a dream and are instead into reality and understand what this "for a while" will mean to their state budgets later...
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Old 12-19-2013, 01:41 PM   #37
BucEyedPea BucEyedPea is offline
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Quote:
Originally Posted by Fish View Post
The insurance industry has been heading in that direction for quite some time. But it's not because of any nefarious biblically prophecized affront to the American people. It's because our health care costs are out of control. Our health care costs, before the ACA was ever conceived, had risen dramatically to the point that the US costs are nearly double what other countries are spending on healthcare.

And that wouldn't be all bad if our economy could keep pace with our health care spending. But it clearly can't come close.

Seriously, how can you look at that and not expect our insurance to increase dramatically?

But instead of addressing our costs and how to lower them back to manageable levels, all we do is whine about the insurance part of it (Obamacare) and how it is destroying everything. Like the ACA is the root of the problems. It's not. The ACA has been a failure, that's true. But way too often it's being blamed as the source of the health care problems we have, despite the fact that our problems have been growing for a long time and we haven't done shit about it. Now we've put off addressing it for so long that it's become a huge problem without any easy fix. And the blame game is in full swing.

ACA is a total mess. But let's not act like everything was peachy beforehand. I'd be fine with scrapping the ACA. But we damn sure better have an even better plan to address health care costs before we flush it. Because going back to the way things were before ACA isn't going to fix shit. We have to address our costs first and foremost. Politicians are largely ignoring this because the time required to implement it and see results would far exceed their election cycle.
Healthcare spending has increased due in large part to govt intervention in HC markets to make it more affordable and increase access. ACA is just the mother of all of this which will make it worse.

Over 2000 mandates for years before ACA whereby insurance passes on the costs. Then there's the mandate of not turning anyone away from ERs.

Think about it. Because price controls are not going to be the answer either.

US also uses more hi-tech healthcare than places like Europe which uses more lo-tech healthcare--something I'm sure fish would disprove of because there's only one way conventional allopathic treatments of expensive surgery and expensive drugs.

Plus they're not obese in Europe because they eat better food. They eat less processed food.
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