gatomontes99 Posted January 15 Report Posted January 15 White House: The Great American Health Care Plan That is a list of bullet points is in the link above. I haven't gone through all of them. The big change is the use of HSA's rather than comprehensive plans. The HSA can be used to buy a comprehensive plan, a high deductible plan or pay cash for care. I like this provision as it will connect the consumer to cost. Obamacare mandated comprehensive plans that remove the consumer from the cost aspect. When the consumer is onnected to the final cost, they make more efficient choices. I would love to see this plan go further and deincentivize comprehensive plans. High deductible plans eliminate the need for medical billing codes for much of the process. That eliminates a wasteful cost and brings down the total cost to consumer. It would also make the final consumer more attached to the final cost. Quote Don't you think that if I were wrong that I would know it?
robosmith Posted January 16 Report Posted January 16 1 hour ago, gatomontes99 said: White House: The Great American Health Care Plan That is a list of bullet points is in the link above. I haven't gone through all of them. The big change is the use of HSA's rather than comprehensive plans. The HSA can be used to buy a comprehensive plan, a high deductible plan or pay cash for care. I like this provision as it will connect the consumer to cost. Obamacare mandated comprehensive plans that remove the consumer from the cost aspect. When the consumer is onnected to the final cost, they make more efficient choices. I would love to see this plan go further and deincentivize comprehensive plans. High deductible plans eliminate the need for medical billing codes for much of the process. That eliminates a wasteful cost and brings down the total cost to consumer. It would also make the final consumer more attached to the final cost. So you like the "freedom" to choose JUNK PLANS that bankrupt patients when hit with severe illness and put their burden back on hospitals and taxpayers. You obviously don't understand that's why the ACA required MORE. 1 Quote
gatomontes99 Posted January 16 Author Report Posted January 16 3 minutes ago, robosmith said: So you like the "freedom" to choose JUNK PLANS that bankrupt patients when hit with severe illness and put their burden back on hospitals and taxpayers. You obviously don't understand that's why the ACA required MORE. No. The ACA (aka Obamacare) failed because it removed the final consumer from the cost, added government beaurocracy to an already bloated insurance beaurocracy, added subsidies (subsidies always raise the final price) and added unnecessary procedures (i.e. pap smears in men's unsurance). Obamacare was designed to make health insurance more profitable rather than health care more affordable. As such, health care costs have out paced inflation and health insurance companies are reporting record profits. That was all by design. The plans I support cover nothing until a deductible is reached. Then, they cover everything. For example, in the early part of this century, my health insurance was just under $100 a month. It covered me after $3,000 up to $2 million and then 90% up to $10 million. It also included Rx discounts. Contrast that with a $500 deductible that costs $400 a month and pays 90% up to $5 million and has co-pays for routine visits. My plan was a minimum of $1200 a year. The comprehensive plan was a minimum of $4800 per year. For $2 million in expenses, my plan would have cost me $3,000 + $1200. The comprehensive plan would cost $199,900 + $4800. The problem is we have been told that comprehensive plans are cheaper and we believed it because we don't see the cost on everyday purchases. If you actually do the math, you are getting fuçked hard. Quote Don't you think that if I were wrong that I would know it?
paxamericana Posted January 16 Report Posted January 16 45 minutes ago, robosmith said: You obviously don't understand that's why the ACA required MORE. You do realize the ACA was a ploy for big pharmaceutical to charge whatever they wanted and jack up prices right? Quote
eyeball Posted January 16 Report Posted January 16 1 hour ago, gatomontes99 said: No. The ACA (aka Obamacare) failed because it removed the final consumer from the cost, added government beaurocracy to an already bloated insurance beaurocracy, added subsidies (subsidies always raise the final price) and added unnecessary procedures (i.e. pap smears in men's unsurance). Obamacare was designed to make health insurance more profitable rather than health care more affordable. As such, health care costs have out paced inflation and health insurance companies are reporting record profits. That was all by design. The plans I support cover nothing until a deductible is reached. Then, they cover everything. For example, in the early part of this century, my health insurance was just under $100 a month. It covered me after $3,000 up to $2 million and then 90% up to $10 million. It also included Rx discounts. Contrast that with a $500 deductible that costs $400 a month and pays 90% up to $5 million and has co-pays for routine visits. My plan was a minimum of $1200 a year. The comprehensive plan was a minimum of $4800 per year. For $2 million in expenses, my plan would have cost me $3,000 + $1200. The comprehensive plan would cost $199,900 + $4800. The problem is we have been told that comprehensive plans are cheaper and we believed it because we don't see the cost on everyday purchases. If you actually do the math, you are getting fuçked hard. It sounds like it sure sux to be an American with a health issue. Quote I said now watch what you say they'll be calling you a radical, a liberal, oh fanatical criminal
paxamericana Posted January 16 Report Posted January 16 17 minutes ago, eyeball said: It sounds like it sure sux to be an American with a health issue. Or a nato dead beat anguishing about getting annex Quote
eyeball Posted January 16 Report Posted January 16 8 minutes ago, paxamericana said: Or a nato dead beat anguishing about getting annex By a NATO turncoat? Yeah you bet that sucks. Quote I said now watch what you say they'll be calling you a radical, a liberal, oh fanatical criminal
User Posted January 16 Report Posted January 16 Health care is actually much cheaper if you pay cash. There are doctors who will only deal in cash because insurance, especially anything related to the government, is a pain in the ass to file, figure out, and bill for. You go to the average Hospital, and their cash prices for care are like 50% less than insurance prices. IF we could get the government to stop subsiidizing employers and instead, subsidize individuals, empowering them through an HSA, to go get the care they need and they just pay for it themselves, it would be cheaper and better. Leave insurance for actual insurance, like if you get cancer or break your leg or something. Most people with an HSA are already doing this, when they pay out of pocket for everything up front until they hit their deductable and/or out of pocket max, the only difference is that they are getting screwed paying the full insurance billing rates. Quote
Hodad Posted January 16 Report Posted January 16 (edited) 2 hours ago, gatomontes99 said: No. The ACA (aka Obamacare) failed because it removed the final consumer from the cost, added government beaurocracy to an already bloated insurance beaurocracy, added subsidies (subsidies always raise the final price) and added unnecessary procedures (i.e. pap smears in men's unsurance). Obamacare was designed to make health insurance more profitable rather than health care more affordable. As such, health care costs have out paced inflation and health insurance companies are reporting record profits. That was all by design. The plans I support cover nothing until a deductible is reached. Then, they cover everything. For example, in the early part of this century, my health insurance was just under $100 a month. It covered me after $3,000 up to $2 million and then 90% up to $10 million. It also included Rx discounts. Contrast that with a $500 deductible that costs $400 a month and pays 90% up to $5 million and has co-pays for routine visits. My plan was a minimum of $1200 a year. The comprehensive plan was a minimum of $4800 per year. For $2 million in expenses, my plan would have cost me $3,000 + $1200. The comprehensive plan would cost $199,900 + $4800. The problem is we have been told that comprehensive plans are cheaper and we believed it because we don't see the cost on everyday purchases. If you actually do the math, you are getting fuçked hard. You're full of it. The out-of-pocket limit for Marketplace plans varies, but can’t go over a set amount each year. For the 2025 plan year: The out-of-pocket limit for a Marketplace plan can't be more than $9,200 for an individual and $18,400 for a family. For the 2026 plan year: The out-of-pocket limit for a Marketplace plan can't be more than $10,600 for an High deductible HSA plans make sense for some people, particularly upper income folks who have a few thousand dollars on hand, but many families need predictable costs and earlier coverage. Edited January 16 by Hodad Quote
gatomontes99 Posted January 16 Author Report Posted January 16 (edited) 15 minutes ago, Hodad said: You're full of it. The out-of-pocket limit for Marketplace plans varies, but can’t go over a set amount each year. For the 2025 plan year: The out-of-pocket limit for a Marketplace plan can't be more than $9,200 for an individual and $18,400 for a family. For the 2026 plan year: The out-of-pocket limit for a Marketplace plan can't be more than $10,600 for an High deductible HSA plans make sense for some people, particularly upper income folks who have a few thousand dollars on hand, but many families need predictable costs and earlier coverage. I was talking about pre nobamacare. Nobamacare created forced limits. Another reason plans that used to be $400 a month are now over $1000. Edited January 16 by gatomontes99 Quote Don't you think that if I were wrong that I would know it?
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.