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‘Obamacare’ and rising health premiums


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#1    questionmark

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    Cinicus Magnus

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Posted 03 April 2012 - 09:19 PM

www.washingtonpost.com said:

"Six in 10 Americans are seeing their [health insurance] premiums rise. The average cost of a family policy is up $1,300. Another part of President Obama's health care takeover will cost $111 billion more than promised."
--Voiceover in a Republican National Committee TV ad about the Obama health care law

Be wary of the single data point, exploited either by Democrats or Republicans. Posted Image Read more...


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#2    Simbi Laveau

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Posted 03 April 2012 - 09:38 PM

They can fine me.I won't be buying into it.

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#3    George Ford

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Posted 03 April 2012 - 09:42 PM

We have health care for everyone in the UK. Called the NHS. It is like a giant cancer that is killing off the UK. I think they should introduce a £15.00 fee to see a doctor unless the person is on benefits.

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#4    questionmark

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Posted 03 April 2012 - 09:59 PM

View Postbulveye, on 03 April 2012 - 09:42 PM, said:

We have health care for everyone in the UK. Called the NHS. It is like a giant cancer that is killing off the UK. I think they should introduce a £15.00 fee to see a doctor unless the person is on benefits.

In the US they want to take over the German model, which is healthcare for all but you have to buy insurance from an insurance company (unless you can't afford it, then the government pays for you). The UK is healthcare for all paid with taxes

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#5    Michelle

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Posted 03 April 2012 - 10:37 PM

View Postquestionmark, on 03 April 2012 - 09:59 PM, said:

In the US they want to take over the German model, which is healthcare for all but you have to buy insurance from an insurance company (unless you can't afford it, then the government pays for you). The UK is healthcare for all paid with taxes

I fail to see how that is any different from what we already had. Except insurance premiums have risen to where a lot of people, that have always had it, have had to let it drop. Independent working people and people that own small businesses don't have a chance.

I wish I could remember who said this on UM, but it makes sense to me...solving the health care problem by making people buy insurance, is like solving the homeless problem by making people buy homes.

If we aren't paying $2000 a month for insurance, for the two of us, we don't have a problem paying doctor bills. We just have to pray that nothing catastrophic happens.


#6    and then

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Posted 03 April 2012 - 10:44 PM

I worked in this industry for about 15 years and have seen up close how broken it is.  
Changes will have to come or the wave of baby boomers will crash the system anyway.  The uninsured are now a tremendous burden on the rest of working Americans.  The poor receive urgent care but do not have access to the kind of health maintenance plans that make urgent care less necessary.  My problem with the ACA is that it requires that more services be funded with less money.  You cannot add millions of people to the roles and expect the same level of service without drastically expanding the numbers of healthcare workers.  I believe this law was designed to give America precisely what Britain has and as Bulveye can attest, it doesn't seem to be working so well there -  and they have only a fraction of our population.

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#7    Drayno

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Posted 03 April 2012 - 10:59 PM

View Postand then, on 03 April 2012 - 10:44 PM, said:

I worked in this industry for about 15 years and have seen up close how broken it is.  
Changes will have to come or the wave of baby boomers will crash the system anyway.  The uninsured are now a tremendous burden on the rest of working Americans.  The poor receive urgent care but do not have access to the kind of health maintenance plans that make urgent care less necessary.  My problem with the ACA is that it requires that more services be funded with less money.  You cannot add millions of people to the roles and expect the same level of service without drastically expanding the numbers of healthcare workers.  I believe this law was designed to give America precisely what Britain has and as Bulveye can attest, it doesn't seem to be working so well there -  and they have only a fraction of our population.

Everything seems askew. Social security for the younger generation, I fear, won't exist. Especially with the population increase, and the economic problem to boot. But like all systems, social security will eventually become a dry idea. We had to have anticipated this problem.

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#8    questionmark

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Posted 03 April 2012 - 11:28 PM

View PostMichelle, on 03 April 2012 - 10:37 PM, said:

I fail to see how that is any different from what we already had. Except insurance premiums have risen to where a lot of people, that have always had it, have had to let it drop. Independent working people and people that own small businesses don't have a chance.

I wish I could remember who said this on UM, but it makes sense to me...solving the health care problem by making people buy insurance, is like solving the homeless problem by making people buy homes.

If we aren't paying $2000 a month for insurance, for the two of us, we don't have a problem paying doctor bills. We just have to pray that nothing catastrophic happens.

What I don't get is that in other countries they get it together, if we go back to Germany, 90% of the insurance givers are private companies, they are able to provide adequate care for 13% of the family income and they are making money for their investors. Why can't they get it together in the US?

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#9    and then

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Posted 04 April 2012 - 12:03 AM

View Postquestionmark, on 03 April 2012 - 11:28 PM, said:

What I don't get is that in other countries they get it together, if we go back to Germany, 90% of the insurance givers are private companies, they are able to provide adequate care for 13% of the family income and they are making money for their investors. Why can't they get it together in the US?


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#10    ninjadude

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Posted 04 April 2012 - 02:58 AM

View PostSimbi Laveau, on 03 April 2012 - 09:38 PM, said:

They can fine me.I won't be buying into it.

So then you ascribe to the Republican philosophy that when you get hurt in an accident, get cancer, or some other medical issue, you should just die?

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#11    Sir Wearer of Hats

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Posted 04 April 2012 - 08:17 AM

View Postbulveye, on 03 April 2012 - 09:42 PM, said:

We have health care for everyone in the UK. Called the NHS. It is like a giant cancer that is killing off the UK. I think they should introduce a £15.00 fee to see a doctor unless the person is on benefits.
That's the Australian system. I pay $60 out of pocket to see a GP and $80 a month in Private Healthcare. That's about 3 hours wages for me a month all told. We do get about $30 back from Medicare if we claim the rebate after a GP appointment though.

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#12    FurthurBB

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Posted 04 April 2012 - 11:07 AM

View PostMichelle, on 03 April 2012 - 10:37 PM, said:

I fail to see how that is any different from what we already had. Except insurance premiums have risen to where a lot of people, that have always had it, have had to let it drop. Independent working people and people that own small businesses don't have a chance.

I wish I could remember who said this on UM, but it makes sense to me...solving the health care problem by making people buy insurance, is like solving the homeless problem by making people buy homes.

If we aren't paying $2000 a month for insurance, for the two of us, we don't have a problem paying doctor bills. We just have to pray that nothing catastrophic happens.

My insurance has not gone up anymore since Obama got into office than it had been going up previously.  Also, my benefits have gotten better.  No fee for well visits and less for a specialist you have to see all the time, better mental health benefits and cheaper prescriptions.  That is the first time that has happened.


#13    FurthurBB

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Posted 04 April 2012 - 11:08 AM

View Postquestionmark, on 03 April 2012 - 11:28 PM, said:

What I don't get is that in other countries they get it together, if we go back to Germany, 90% of the insurance givers are private companies, they are able to provide adequate care for 13% of the family income and they are making money for their investors. Why can't they get it together in the US?

That is really what it comes down to.  Is there something wrong with us?


#14    and then

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Posted 04 April 2012 - 11:48 AM

View PostFurthurBB, on 04 April 2012 - 11:07 AM, said:

My insurance has not gone up anymore since Obama got into office than it had been going up previously.  Also, my benefits have gotten better.  No fee for well visits and less for a specialist you have to see all the time, better mental health benefits and cheaper prescriptions.  That is the first time that has happened.

It sounds as though you will benefit from the ACA.  If 15 million uninsured people will now be covered by insurance then those companies are not going to "eat" the extra expense for things like free birth control or wellness visits, mammograms etc.  They will add those expenses back into the system somewhere.  Once the plan is fully operational you can anticipate longer waits for services and doctor visits too.  Only so much staff and so many hours to the day.
There's no doubt the system needed change but I don't think the ACA is IT.

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#15    ohio_traveler

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Posted 04 April 2012 - 04:49 PM

View Postninjadude, on 04 April 2012 - 02:58 AM, said:

So then you ascribe to the Republican philosophy that when you get hurt in an accident, get cancer, or some other medical issue, you should just die?

Why should I have to pay for your medical issue ?





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