Quote:
Originally Posted by joeydb
See I don't think many people are against the idea of getting insurance more affordable. The difference is that this is the same old government program retread - take more from people already paying so they can supplement others. That's what people object to.
If you could buy insurance in any state - if a NY resident liked a Nevada plan, he should be able to buy it. Increase competition by removing barriers - not taking over the industry with government run "exchanges".
Allow flexible savings accounts to accrue and not be a "use it or lose it" proposition. Someday, as you have more and more good years, you could at least partially self-insure.
When you buy insurance of any kind, you only need the amount that mitigates risk you are uneasy with. This is why people bought catastrophic-event only plans. A young guy who breaks his finger playing basketball can probably handle the bill, but if he gets in a car accident he wants to be covered since it's a lot more money.
But there's the thing - Obama and those of his party stroll in telling you "You can keep your plan." Damn straight - because you, Mr. President, should have NO meddling in my affairs.
When you have an open market, you have the option of saying no - and that is the biggest power in all of capitalism. If enough people do not buy a product at an inflated cost, the price comes down. That power has been lost by use of the unconstitutional federal mandate. Therefore, prices will skyrocket due to both the supplementing of others for insurance, AND opportunism on the part of the insurance companies. That will happen also - but strictly because the government is helping them do that by not allowing the free market to work, specifically by forcing every American to be a customer no matter how high the price is.
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the premise isn't to take money from some and buy insurance for others. the law is based on
if everyone has coverage, there won't be people subsidizing others' care-which is what we've been doing for years. i have insurance, have had for decades. so, my bills are grossly inflated because my insurer will end up paying not just for my care, but for however many others who got care and had no way to pay. their bill was 'written off' (but not really, hospitals have to get money, so they have, from those with ability to pay, or with insuranced).
so, supposedly the overall cost of healthcare will be lower, because they can charge everyone correctly now, since everyone (conceivably) will now have coverage of some sort. that's why taxes on individuals haven't changed, because it's supposed to be revenue neutral.
the main reason why people have seen premium increases is because their substandard plans were phased out. does it stink? yep. but from what i've seen, far more people will benefit from the plan than will be adversely affected.