New CBO Health Care bill estimate is out.

[Ns1]

I don't need health coverage at this time

nobody needs it until they suddenly need it.

 

[MomentsofSanity]

nobody needs it until they suddenly need it.

Lots of stories out there of prominent ACA critics suddenly begging for money when disaster strikes. But hey, at least they stuck it to the black guy by not getting insurance.

 

[Ns1]

Lots of stories out there of prominent ACA critics suddenly begging for money when disaster strikes. But hey, at least they stuck it to the black guy by not getting insurance.

GoFundMe, America's #1 health insurance provider.

 

[Jhhnn]

I'd say you're anger is misplaced. The estimate is most of those will simply opt out by choice. Not have it taken from them. The impact to the aging population is what I find most appalling.

"Opt out" so they can pay for groceries & rent.

 

[Geekbabe]

I'm 60 yrs old, they hiked the premiums on older Americans so high most won't be able to pay it. They did this by design, a dead 60 yr old is one who won't collect social security.

 

[TerionX6]

Im only commenting because of the heavy amount of presupposition and bias present in almost every Anand politics thread I've seen.

In -my- case, regardless of -your- take on the matter, not having forced healthcare or the tax penalties that came with it would have been better.

It might do a lot of you some good to ask people why they think a certain way and discuss it like adults than simply throw around biased rhetoric aimed at a generalized group. Might, maybe, possibly.
Just my 2cents

 

[ch33zw1z]

I used to think like you, but age changes things. When I thought like you, I was late teens, early twenties.

So life is different for everyone, but healthcare is something we will all need at some point.

 

[Jhhnn]

Im only commenting because of the heavy amount of presupposition and bias present in almost every Anand politics thread I've seen.

In -my- case, regardless of -your- take on the matter, not having forced healthcare or the tax panealties that came with it would have been better.

It might do a lot of you some good to ask people why they think a certain way and discuss it like adults than simply throw around biased rhetoric aimed at a generalized group. Might, maybe, possibly.
Just my 2cents

You mean better right now, correct?

Few people seem to understand what the ACA really does. It's part of the social compact. If we all pay in what we can afford now we'll always be able to afford it & we'll always be covered regardless of what life throws at us.

It's all about justifying billionaire tax cuts. Cuz it all trickles down, at least in the imagination.

 

[Commodus]

Im only commenting because of the heavy amount of presupposition and bias present in almost every Anand politics thread I've seen.

In -my- case, regardless of -your- take on the matter, not having forced healthcare or the tax penalties that came with it would have been better.

It might do a lot of you some good to ask people why they think a certain way and discuss it like adults than simply throw around biased rhetoric aimed at a generalized group. Might, maybe, possibly.
Just my 2cents

That doesn't make it okay. And in many ways, this is the whole problem with the AHCA and the current Republicans: there's an "FYGM" attitude where it's okay for others to suffer, even die, as long as they're comfortable. They don't care about the world beyond their own nose.

 

[umbrella39]

I don't need health coverage at this time, I couldnt afford anything but the bare minimum yet I dont qualify for subsidized coverage, and Im not willing to subsidize the coverage of other people. One less step on my tax returns is a boon for me, as well not worrying about state exchanges and having to pour through their barely working websites to find if my income indeed qualifies for exemption.

For all this talk of evil fat cats - insurance companies operate on massive profits. AHCA forcing coverage increases their revenue further. Yell Repub This amd Repub That all you want. Fix the costs first prioritize the money going into other hands and maybe then youll have a leg to stand on.

No worries... just make sure when the ambulance arrives to pick you up to make sure you tell them to just drop you back off at home. We at the ER like to be paid for all the years of schooling we endured and think that people like you that are too young and too healthy for insurance can go F yourselves when you need your life saved. Deal?

 

[Geekbabe]

Im only commenting because of the heavy amount of presupposition and bias present in almost every Anand politics thread I've seen.

In -my- case, regardless of -your- take on the matter, not having forced healthcare or the tax penalties that came with it would have been better.

It might do a lot of you some good to ask people why they think a certain way and discuss it like adults than simply throw around biased rhetoric aimed at a generalized group. Might, maybe, possibly.
Just my 2cents

Because all it takes is one bad accident or a gene gone haywire & you could need healthcare that will bankrupt you.

Seemingly health young people get cancer & without insurance or cash payment you don't get chemo.

 

[Jhhnn]

Because all it takes is one bad accident or a gene gone haywire & you could need healthcare that will bankrupt you.

Seemingly health young people get cancer & without insurance or cash payment you don't get chemo.

They all think that they'll be able to buy in when they need it, that they'll be able to afford it when the risk pool is a lot riskier for insurers. I mean, they'll be millionaires by then, right?

 

[fskimospy]

I don't need health coverage at this time, I couldnt afford anything but the bare minimum yet I dont qualify for subsidized coverage, and Im not willing to subsidize the coverage of other people. One less step on my tax returns is a boon for me, as well not worrying about state exchanges and having to pour through their barely working websites to find if my income indeed qualifies for exemption.

For all this talk of evil fat cats - insurance companies operate on massive profits. AHCA forcing coverage increases their revenue further. Yell Repub This amd Repub That all you want. Fix the costs first prioritize the money going into other hands and maybe then youll have a leg to stand on.

When I was 28 I thought the same thing, that I didn't need health insurance. Then I found out I had a 1kg tumor in my chest that had grown around my heart and I had to go through multiple surgeries and months of chenotherapy.

So yeah I'm sure you think you don't need insurance now. So did I. It takes a smart and mature person to realize that's not how things work. I wasn't so smart, but I hope you become so.

 

[Fanatical Meat]

I don't need health coverage at this time, I couldnt afford anything but the bare minimum yet I dont qualify for subsidized coverage, and Im not willing to subsidize the coverage of other people. One less step on my tax returns is a boon for me, as well not worrying about state exchanges and having to pour through their barely working websites to find if my income indeed qualifies for exemption.

For all this talk of evil fat cats - insurance companies operate on massive profits. AHCA forcing coverage increases their revenue further. Yell Repub This amd Repub That all you want. Fix the costs first prioritize the money going into other hands and maybe then youll have a leg to stand on.

Oh look an alt troll account. Man up and post from your regular account.

 

[sactoking]

My favorite part is where the CBO report says, in a nutshell, that under the ACA the insurance markets would be stable if the law was allowed to fully take effect and under the AHCA the insurance markets in states that got EHB and community rating waivers, one of the lynchpins of the law, would destabilize rapidly and eventually disintegrate.

 

[fskimospy]

My favorite part is where the CBO report says, in a nutshell, that under the ACA the insurance markets would be stable if the law was allowed to fully take effect and under the AHCA the insurance markets in states that got EHB and community rating waivers, one of the lynchpins of the law, would destabilize rapidly and eventually disintegrate.

I think another overlooked part is that in states that get rid of EHB the CBO predicts millions of additional people who will end up with what amounts to fake health insurance that won't be sufficient for a major health condition.

Universal tax credits without regulation for what those credits can be used to buy is a perfect recipe for scams. I predict in any state that removes EHB you're going to see the rise of what amounts to fake health insurance.

 

[sactoking]

Here's another gem: the Continuous Coverage Incentive is an easily manipulated disaster. The CCR is the provision that allows waiver states to health status underwrite if you can't show continuous coverage.

What it does is essentially create two risk pools, one for people with continuous coverage and one without. Everyone goes into the continuous coverage risk pool unless they can't prove they had prior coverage, in which case they go into the underwriting pool. It's intended to be a punishment, so it's assumed the underwritten premium will be higher. But will it?

Rate setting at its most basic is application of probabilities to a population. X percentage of people in the US will get Y disease which costs Z to treat so the per-person rate for Y is (Population*X*Z)/Population. Do that for all expected costs and you get the composite rate, say $400 per person per month. And the statistics hold true on smaller populations so let's say instead of the entire US this is the population of people residing in Rating Area #1 in New Mexico.

Under the AHCA someone without continuous coverage would be subject to underwriting. If you have a heart defect you better maintain continuous coverage because of you don't your premiums will be underwritten on health status and will skyrocket. But let's say you're relatively healthy. You just left your job to pursue a career as a freelancer. You go to buy insurance and are asked "can you show proof of continuous coverage?" You click 'no.' I mean, you COULD show proof but why? Why pay $400 per month like all of the other people in the continuous coverage pool? You're healthy and that pool assumes an equal rate of occurrence of ALL maladies, including preexisting ones. You hop into the underwriting pool and your premium is lower than $400.

Once enough people do this then the continuous coverage pool rates go up. This encourages more people with borderline health into the underwriting pool. Bam, risk pool can spiral, and it's easy to do, all you have to do is click No.

 

[Jhhnn]

I think another overlooked part is that in states that get rid of EHB the CBO predicts millions of additional people who will end up with what amounts to fake health insurance that won't be sufficient for a major health condition.

Universal tax credits without regulation for what those credits can be used to buy is a perfect recipe for scams. I predict in any state that removes EHB you're going to see the rise of what amounts to fake health insurance.

The perfect insurance plan is where you pay in & insurers never pay out. Value for the shareholders is yuge.

 

[zinfamous]

I don't need health coverage at this time.

gonna stop you right there: that's not how insurance works. Coverage in this country = insurance, and you aren't in any position to decide, let alone know, when you will actually need coverage. You're probably in your early 20s, and that makes sense. Everyone thinks this way when they are kids. But it doesn't make you right or in any way wise to think this way.

 

[zinfamous]

Im only commenting because of the heavy amount of presupposition and bias present in almost every Anand politics thread I've seen.

In -my- case, regardless of -your- take on the matter, not having forced healthcare or the tax penalties that came with it would have been better.

It might do a lot of you some good to ask people why they think a certain way and discuss it like adults than simply throw around biased rhetoric aimed at a generalized group. Might, maybe, possibly.
Just my 2cents

But that's just how insurance works. You are paying for your own needs, in the future, just as the next generation of asshole kids will be paying for your coverage that you actually need, when they are just as ignorant about what they are doing. It is no different.

 

[soulcougher73]

Do Republicans have big ties with the funeral/casket industries? Maybe that is their next money maker?

 

[fskimospy]

Do Republicans have big ties with the funeral/casket industries? Maybe that is their next money maker?

Related, this bill is also expected to save $3 billion on social security spending! How, you ask? The CBO estimates that if the AHCA a considerable number of additional people would die before getting a chance to collect Social Security. Think of the savings!

 

[xthetenth]

I'd say you're anger is misplaced. The estimate is most of those will simply opt out by choice. Not have it taken from them. The impact to the aging population is what I find most appalling.

So we've outsourced the death panels to the invisible hand of the free market, and that makes it a-okay!

The part of "death panels" that's bad isn't the panels.

 

[soulcougher73]

Related, this bill is also expected to save $3 billion on social security spending! How, you ask? The CBO estimates that if the AHCA a considerable number of additional people would die before getting a chance to collect Social Security. Think of the savings!

Man. We're going to be flush with money in no time now. Wonder what we could spend it all on....

 

[hal2kilo]

Oh yay, we're we expecting something different from these douchebags?

Sadly, not a chance.