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We need to fix this problem and provide great health care to all. Half the country seems to think it's some kind of impossible communism country destroying thin

by Alive-in-2025 10mo ago

We need to fix this problem and provide great health care to all. Half the country seems to think it's some kind of impossible communism country destroying things to give everyone good health care like every other developed country. How can it be that Republicans keep convincing their voters if this? Raise taxes a little on the wealthy, go to single payer

hattmall 10mo ago
It's a hard sell because most self employed and middle income people actually had reasonable insurance and then the ACA completely screwed them. Sure single payer and universal coverage would be great but how could you trust Democrats to do it when the last healthcare bill was basically one of the worst things to ever happen to the country. ~95% of people that don't work for insurance companies would be better off under the previous system. Just expand Medicaid to include people unable to get insurance due to pre-existing conditions and eliminate coverage maximums, or just say anything over 2 million in a year goes through Medicaid. The ACA is just a huge transfer of tax payer money to insurance companies.
- LorenPechtel 10mo ago
  You miss the point. I find your 95% figure reasonable--but that's the very nature of insurance! The problem is you don't know if you're in the 95% or the 5%. Under the old system, if you were in the 5% you probably died. Suppose you extend Medicaid to those barred by pre-existing conditions--net result is a whole bunch of money moves from the ACA to Medicaid. The spending doesn't go away--if anything it probably increases. This has been an expensive year, nearly 9k in insurance premiums and I hit the stop-loss at nearly 9k. Thus 18k out of pocket that would have been Medicaid spending under your system. And note that killing those 5% appears to be a Republican *goal*. Eugenics.
  - hattmall 10mo ago
    Except that's why it isn't insurance at all, because people DO know. That's the idea of pre-existing conditions. People with pre-existing conditions don't need health insurance. They need healthcare. The whole healthcare masquerading as insurance is the problem. >a whole bunch of money moves from the ACA to Medicaid Not really, Medicaid pays very low rates for treatments. The "ACA" money just goes to insurance companies which are incentivized to pay high rates for everything because their profit is set as a percent of their expenditures by the ACA. > Under the old system, if you were in the 5% you probably died. This is also not accurate at all either, you just had to pay more money. You could still get insurance with pre-existing conditions, it just wasn't cheap. ACA plans though are now ~10-15x more than older plans and the deductibles are way higher with much worse coverage. >This has been an expensive year, nearly 9k in insurance premiums and I hit the stop-loss at nearly 9k. Thus 18k out of pocket that would have been Medicaid spending under your system. I don't understand this, are you saying you paid 9K in premiums and then hit your MAX OOP at 9K as well? I'm not sure why you are translating that cost directly to Medicaid, but realistically your insurance actually paid more than the 9K right? But Medicaid simply wouldn't pay out nearly as much. But even then I'm not saying it would be cheap. It would just be far more logical than the ridiculous system set up to preserve insurance company profits. Medicare for all would be even better.
    - Alive-in-2025 10mo ago
      My family cost 1000/month for each person and we have a 10k cross family out of pocket max. Have a kid or two means more than 50k a year. Only some can afford this if you're paying it for yourself. We chose to go cobra instead of ACA last year. If I wasn't in the software engineer world I wouldn't be able to continue.
WarOnPrivacy 10mo ago
> We need to fix this problem and provide great health care to all. The group that isn't hostile toward helping the vulnerable, they didn't care at all about us once the ACA was there for them. Take them off the table and there's literally no one left.
- Alive-in-2025 10mo ago
  Sorry I'm not understanding, are you saying that once we had the ACA that kind of drained the enthusiasm and interest from those who care about everyone having decent healthcare? I'm sure are some people who thought the problem was fixed after we had ACA. Obviously we don't because first of all it wasn't cheap or ubiquitous enough, and now vast numbers of people are going to be priced out of it. I think this problem is very related to Fox News types convincing people to vote against their best interests. Immigrants, minorities keep voting for people like Trump and the Republicans to support them. It's the same deal with somehow people getting convinced that federal government healthcare is really bad for them and they're better just being out there with no healthcare, somehow

hattmall 10mo ago

It's a hard sell because most self employed and middle income people actually had reasonable insurance and then the ACA completely screwed them. Sure single payer and universal coverage would be great but how could you trust Democrats to do it when the last healthcare bill was basically one of the worst things to ever happen to the country. ~95% of people that don't work for insurance companies would be better off under the previous system. Just expand Medicaid to include people unable to get insurance due to pre-existing conditions and eliminate coverage maximums, or just say anything over 2 million in a year goes through Medicaid. The ACA is just a huge transfer of tax payer money to insurance companies.

LorenPechtel 10mo ago
You miss the point. I find your 95% figure reasonable--but that's the very nature of insurance! The problem is you don't know if you're in the 95% or the 5%. Under the old system, if you were in the 5% you probably died. Suppose you extend Medicaid to those barred by pre-existing conditions--net result is a whole bunch of money moves from the ACA to Medicaid. The spending doesn't go away--if anything it probably increases. This has been an expensive year, nearly 9k in insurance premiums and I hit the stop-loss at nearly 9k. Thus 18k out of pocket that would have been Medicaid spending under your system. And note that killing those 5% appears to be a Republican *goal*. Eugenics.
- hattmall 10mo ago
  Except that's why it isn't insurance at all, because people DO know. That's the idea of pre-existing conditions. People with pre-existing conditions don't need health insurance. They need healthcare. The whole healthcare masquerading as insurance is the problem. >a whole bunch of money moves from the ACA to Medicaid Not really, Medicaid pays very low rates for treatments. The "ACA" money just goes to insurance companies which are incentivized to pay high rates for everything because their profit is set as a percent of their expenditures by the ACA. > Under the old system, if you were in the 5% you probably died. This is also not accurate at all either, you just had to pay more money. You could still get insurance with pre-existing conditions, it just wasn't cheap. ACA plans though are now ~10-15x more than older plans and the deductibles are way higher with much worse coverage. >This has been an expensive year, nearly 9k in insurance premiums and I hit the stop-loss at nearly 9k. Thus 18k out of pocket that would have been Medicaid spending under your system. I don't understand this, are you saying you paid 9K in premiums and then hit your MAX OOP at 9K as well? I'm not sure why you are translating that cost directly to Medicaid, but realistically your insurance actually paid more than the 9K right? But Medicaid simply wouldn't pay out nearly as much. But even then I'm not saying it would be cheap. It would just be far more logical than the ridiculous system set up to preserve insurance company profits. Medicare for all would be even better.
  - Alive-in-2025 10mo ago
    My family cost 1000/month for each person and we have a 10k cross family out of pocket max. Have a kid or two means more than 50k a year. Only some can afford this if you're paying it for yourself. We chose to go cobra instead of ACA last year. If I wasn't in the software engineer world I wouldn't be able to continue.

WarOnPrivacy 10mo ago

> We need to fix this problem and provide great health care to all. The group that isn't hostile toward helping the vulnerable, they didn't care at all about us once the ACA was there for them. Take them off the table and there's literally no one left.

Alive-in-2025 10mo ago
Sorry I'm not understanding, are you saying that once we had the ACA that kind of drained the enthusiasm and interest from those who care about everyone having decent healthcare? I'm sure are some people who thought the problem was fixed after we had ACA. Obviously we don't because first of all it wasn't cheap or ubiquitous enough, and now vast numbers of people are going to be priced out of it. I think this problem is very related to Fox News types convincing people to vote against their best interests. Immigrants, minorities keep voting for people like Trump and the Republicans to support them. It's the same deal with somehow people getting convinced that federal government healthcare is really bad for them and they're better just being out there with no healthcare, somehow