Don't spread misinformation.As an analogy, I see Employee Health Care Plans going the way of Pensions.
I foresee companies dumping their Health Care plans now.
Ok, I won't. Money being spent on Employee Health insurance could be
better spent elsewhere in a company.I'm putting $500 down that within 5 years Paizo will drop its employee's
health insurance, because with Obamacare in place Republics will kill the
current ACA rules; makes such moves the norm for Corps.
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"I'm sorry to hear about your wife."
Very few people will be able to work for a company like Paizo if they don't have access to health care. Paizo is cool and all, but i'm pretty sure they don't pay a lot. As far as I know, most teachers make more in salary than RPG writers. For people with families, not having access to health care isn't an option.
If we had a public option that could help push costs down, that would relieve Paizo of the burden, both in managing their health care options and for paying for it directly. Even at a small company, someone has to spend work hours shopping plans, comparing them, getting input from employees, etc. That's time that could instead be spent making us more RPG products!
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I only make 30k a year. I can't afford to add health insurance to my list of things to pay for. I also haven't had to go to the doctor or hospital in 6 years. The place I am most likely to be injured (on the job or in my vehicle) is covered by either my vehicle insurance (to a certain amount) or my employer's insurance.
I will have to pay the penalty.
Unfortunately, paying the penalty does not mean I don't still have to pay hospital bills (at the jacked up uninsured rate) in the off chance something happens.
I only make 30k a year. I can't afford to add health insurance to my list of things to pay for. I also haven't had to go to the doctor or hospital in 6 years. The place I am most likely to be injured (on the job or in my vehicle) is covered by either my vehicle insurance (to a certain amount) or my employer's insurance.
I will have to pay the penalty.
Unfortunately, paying the penalty does not mean I don't still have to pay hospital bills (at the jacked up uninsured rate) in the off chance something happens.
Damn you for paying the jacked up rate and mooching off the people with insurance!
What do you do exactly, Coridan?
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I only make 30k a year. I can't afford to add health insurance to my list of things to pay for. I also haven't had to go to the doctor or hospital in 6 years. The place I am most likely to be injured (on the job or in my vehicle) is covered by either my vehicle insurance (to a certain amount) or my employer's insurance.
I will have to pay the penalty.
Unfortunately, paying the penalty does not mean I don't still have to pay hospital bills (at the jacked up uninsured rate) in the off chance something happens.
And should you develop cancer, will you do it in your car? Or will you decide that, since you didn't have insurance, you won't seek treatment you can't afford? That would be the "responsible" thing, right?
More seriously, by getting everyone into the risk pool, the overall cost per person (which we all pay, in one form or another) will go down. You'll be better off, not worse -- no bleeding-heart, "misguided" compassion required.
In all seriousness, depending on where he lives, what other mandatory expenses he has, etc, he may simply not be able to afford it. Despite subsidies, some people are going to have trouble getting coverage.
OTOH, many people will be able to, who could not before.
Believe me, I get it -- I didn't mean to come across as as ass. I wish we had simply extended medicare to cover everyone. Universal care works, period. Sadly, the ACA was the best compromise we could get. Better than nothing, but far from perfect.
And should you develop cancer, will you do it in your car? Or will you decide that, since you didn't have insurance, you won't seek treatment you can't afford? That would be the "responsible" thing, right?
No, he'll use medicaid, which he already pays for. It comes to be a reasonable amount for catastrophic insurance. Also catastrophic insurance is not an allowed alternative to under obamacare.
More seriously, by getting everyone into the risk pool, the overall cost per person (which we all pay, in one form or another) will go down. You'll be better off, not worse -- no bleeding-heart, "misguided" compassion required.
It will at best down for everyone in general but not go down for every single individual. If you're going six years between doctors visits your costs are going up, not down. They're taking the money that Coridan pays and using it to fund the insurance company profits as well as treatment for people that costs more than they pay in (like cancer patients). It is in effect a regressive tax.
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I don't think that's how Medicaid works. You can get on it once you're pretty much destitute, but it doesn't keep you from going bankrupt or pay retroactively.
Retroactive Eligibility
Medicaid coverage may start retroactively for up to 3 months prior to the month of application, if the individual would have been eligible during the retroactive period had he or she applied then. Coverage generally stops at the end of the month in which a person no longer meets the requirements for eligibility.
Any medical expenses from before you get approved for Medicaid are your responsibility. If you can't pay them, the hospital eats the cost/passes it on to others.
Which has been up to this point, the self payers as well as the insured. He's already paid into the system by overpaying the doctors when he's gone.
Sort of a regressive tax. The subsidies help.
Not an awful lot. The government seems to have a funny idea about what people can afford to pay in some of the more expensive states. Usually you wind up "subsidizing" someone for far more than their individual needs in order to make up for a loss elsewhere. My medical is either workers comp or home depot.
Little Timmy the cancer patient and I both wind up at Prescott insurance. I pay prescott a fair bit of money, and on top of that the government is giving "me" money that goes right to prescott to pay for little timmy's cancer (and they take some off the top). Its subsidizing me in name only.
And many people will have coverage they couldn't have had before.
If you've been going six years between doctors visits without insurance, you're paying more, as long as the odds don't come up this time. It's pretty easy for a single illness to burn through all the money you saved not having insurance.
If we're going to help people as a society we should do it as a society. The benefit of doing so is that you put the costs more heavily on those who can afford it through progressive taxation. This plan combines the heavy handedness of a government mandate with the financial inequality of a regressive tax.
. Some people will be worse off.
Down with Obamacare!
Employer-paid Cadillac plans for all!
So we're just ignoring the new rules requiring employers to insure employees, then?
You have to employ over, what, 50 employees? Maybe he doesn't work for a big company.
Medicare for all. Arr.
So we're just ignoring the new rules requiring employers to insure employees, then?You have to employ over, what, 50 employees? Maybe he doesn't work for a big company.
This is something that is often forgotten in the debate.
In retrospect, I should have taken a page from AMiB's book and been more snarky. Something like,
So, we're just ignoring the new rules that require an employer to have 50 employees before they are required to insure them, then?
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This is something that is often forgotten in the debate.So we're just ignoring the new rules requiring employers to insure employees, then?You have to employ over, what, 50 employees? Maybe he doesn't work for a big company.
Often intentionally left out i think, for many obamacare will help nothing and i still believe that it will raise costs for most of us.
Amen.
It will raise costs for most of us. It will also raise benefits for most of us. *shrug*
I don't believe it.
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What benefit will MOST of us see?Co-pays/deductibles are capped at a percentage of income. Insurers can't drop you or reject you for having pre-existing conditions or for needing too much health care. Preventative care has no co-pays any more. If you're paying for insurance yourself, it's partially subsidized by the government. Employers have to insure their employees or pay a stiff penalty unless they are very small.
How much more will we pay? will that be MORE than we save on co-pays for the average person? I see this really as only a benefit for very sick people that would be paying constant co-pays and worry about getting/losing insurance. I see little benefit for the average person.
How much more will we pay? will that be MORE than we save on co-pays for the average person? I see this really as only a benefit for very sick people that would be paying constant co-pays and worry about getting/losing insurance. I see little benefit for the average person.What benefit will MOST of us see?Co-pays/deductibles are capped at a percentage of income. Insurers can't drop you or reject you for having pre-existing conditions or for needing too much health care. Preventative care has no co-pays any more. If you're paying for insurance yourself, it's partially subsidized by the government. Employers have to insure their employees or pay a stiff penalty unless they are very small.
Because the current system, where you can get sick, become bankrupt and lose your house is so awesome. Especially compared to the American Dream, our exceptionalism and claims of having a high degree of upward mobility.
The extra costs is coming from
Expensive new tech like MRIs
And way too many chemical tests and bloodwork.
Oh, I thought it was Cadillac plans encouraging overuse that was driving up health care costs...
How much more will we pay? will that be MORE than we save on co-pays for the average person? I see this really as only a benefit for very sick people that would be paying constant co-pays and worry about getting/losing insurance. I see little benefit for the average person.
You seem to be missing how easily the "average person" can go from being fine to being "very sick" literally overnight. But I guess this is just another case of FUGM.
How about more preventative care leads to lower costs for everyone?
Oh, I thought it was Cadillac plans encouraging overuse that was driving up health care costs...
Any time the person receiving the services isn't the person paying for the services rational choices become difficult and efficiency suffers. So yes, I suspect that is a problem, though far from the only one.
heres a lil secret, 90% of costs go to the 0,1% that have a bunch of stuff wrong with them. They generally lie in bed several years while expensive treatements are used to keep them alive.
8% go to more or less normal looking folk that can mostly participate in life, but also have some nasty disease. They are about 1% of the population.
The remaining 2% is spent on stuff for the 98,99%.
The 1% are the grateful ones here, and the ones gaining something, in their cases about 8-10 times what they pay. The 0,01% would rather die... as for the 98,99%? well they are the sheep that are being herded.
heres a lil secret, 90% of costs go to the 0,1% that have a bunch of stuff wrong with them. They generally lie in bed several years while expensive treatements are used to keep them alive.
8% go to more or less normal looking folk that can mostly participate in life, but also have some nasty disease. They are about 1% of the population.
The remaining 2% is spent on stuff for the 98,99%.
The 1% are the grateful ones here, and the ones gaining something, in their cases about 8-10 times what they pay. The 0,01% would rather die... as for the 98,99%? well they are the sheep that are being herded.
The problem of course is that you don't know which category you're going to be in. You may be healthy now, but you could come down with something horribly expensive any time. In fact, over your lifetime, the chances are pretty good.
So the sheep being herded this year may be in the grateful 1% 5 years down the line. That's what insurance is about. Low chance, high cost scenarios.
Then add in that cheap/free checkups and preventative medicine can actually lower overall costs, by catching the expensive stuff before it gets expensive.
Do the math tho.
You pay 40 times what you should for a risk of 10 times what you might end up paying.Its therefore better to create a insurance of your own that covers the costs in a more realistic fashion. And pay 10 for 10. Thus the fees for the insurance would be a quarter of this system roughly speaking.
I went from only one physical problem (torn tendon in ankle) to two once I got diabetes at a young age. I am lucky enough to have insurance. Diabetes isn't a rare condition at all. If I didn't have insurance, I would have to quit my average wage job to live off the state or die. Yes, those would be my only two options because finding a higher paying job without going back to school would take too long (2 to 4 years without proper care would be fatal).
The ACA really won't have much impact on me unless I leave my job and work for a small company, in which case it will keep me alive and still a productive member of society.
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Insurance in general and especially health insurance is based on mutuality and is somewhat charitable (at least in theory). Everybody hopes that it does not hit him, of course, but you never know. With people getting ever older, chances that you need some medical aid in old age are increasing. There is almost no one dying of old age today that did not need some medical aid before his death. I do like not having to worry about getting the treatment I need and not worrying if I can pay for it.
I do have the impression that the values of charity and compassion are somewhat lost in the US when I look at the health care discussion. I know that there are greedy insurance companies down the line who pretty much ruined the idea, but then, even the attempt to correct the present situation a little is met with scorn and outright hatred. Some comments here are leave me with the impression that some folks say "to hell with those who can´t pay their own, just let them bite the dust", or at least imply it. This is quite troubling IMO, as it denies basic human rights and values.
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I would prefer a fully socialized system, but at least with the Affordable Care Act I can get better coverage for a lower price than I am paying now.
We need a healthcare system in America. Yes, "Obama Cares".
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heres a lil secret, 90% of costs go to the 0,1% that have a bunch of stuff wrong with them. They generally lie in bed several years while expensive treatements are used to keep them alive.
8% go to more or less normal looking folk that can mostly participate in life, but also have some nasty disease. They are about 1% of the population.
The remaining 2% is spent on stuff for the 98,99%.
The 1% are the grateful ones here, and the ones gaining something, in their cases about 8-10 times what they pay. The 0,01% would rather die... as for the 98,99%? well they are the sheep that are being herded.
Yep 1% benefits and the rest pay pay pay. where have i heard so much b!@%&ing and crying about the money going to the 1% recently???