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Obamacare requirement going to cost everyone more

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And that is precisely why we need to move away from employer based healthcare. Nationalize healthcare for all, don't have this half-assed hybrid approach that suits nobodies needs adequately.

It's quite clear the rest of the modernized world has already made their decision about how health care should be run, it's time for us to join them. This is the natural progression of our American society whether you agree with it or not. Obama has merely put us one step closer.

But we're not yet politically ready to accept it. Two things have to happen before we will be. First, costs will have to reach crisis level to where most people no long have coverage anymore. Second, the old white people who are the core of the tea party and hard right need to die off. I give it about 20-25 years for both of these things to be fully realized.

I'm uncertain whether Obamacare actually brought us closer or further away. One could argue that increasing the number of people covered in the short term is counter-productive to the goal. Maybe it's better if the conservative majority on the USSC strikes down the mandate. For one thing, it would fuck over the insurance companies, who would be stuck with the regulations but no mandate to buy their coverage.
 
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Actually, that's not true. A health insurer is not a Health Maintenance Organization and vice versa. HMOs use managed care like preventive medicine to keep costs lower. Health insurers base their cost of coverage on statistically-projected, short-term loss values. Preventive care doesn't really manifest cost savings in the short-term, so preventive care is always valued as more expensive by health insurers than it really is.

It's not a conspiracy by insurers, actuarial science and future uncertainty requires rate filings to be much more short-term than would optimally benefit society. Mandates such as this actually give actuaries and regulatory bodies impetus to change the definitions on which the rate filings are computed so that some longer-term savings can be incorporated into the filings, which will depress costs and offset short-term cost increases.


Good post. Thanks for the insight.:thumbsup:
 
But we're not yet politically ready to accept it. Two things have to happen before we will be. First, costs will have to reach crisis level to where most people no long have coverage anymore. Second, the old white people who are the core of the tea party and hard right need to die off. I give it about 20-25 years for both of these things to be fully realized.

I'm uncertain whether Obamacare actually brought us closer or further away. One could argue that increasing the number of people covered in the short term is counter-productive to the goal. Maybe it's better if the conservative majority on the USSC strikes down the mandate. For one thing, it would fuck over the insurance companies, who would be stuck with the regulations but no mandate to buy their coverage.

They are pushing that agenda by sneaking in things that insurance must cover. Everyone is focused on $20 monthly pills, but there are a ton of other things that are included in that including breast pumps.

The problem with free types of healthcare is you have those feeling entitled to take all the benefits (they are not paying for) whether they need them or not.

That is why time and time again when areas have offered similar programs the percentages of people needing medications, tests and medical devices go WAY up. Also they tend to use the ER much more heavily rather than adjust their schedules to fit a doctor's office.
 
They are pushing that agenda by sneaking in things that insurance must cover. Everyone is focused on $20 monthly pills, but there are a ton of other things that are included in that including breast pumps.

The problem with free types of healthcare is you have those feeling entitled to take all the benefits (they are not paying for) whether they need them or not.

That is why time and time again when areas have offered similar programs the percentages of people needing medications, tests and medical devices go WAY up. Also they tend to use the ER much more heavily rather than adjust their schedules to fit a doctor's office.

Yeah I think tyhat we need to admit that we just don't have it in us as a nation to make socialized Health Care work like some of the European Nations. So much for being the greatest Nation on Earth. Granted we can bomb the shit out of anybody, we just can't take care of our less fortunate.
 
Yeah I think tyhat we need to admit that we just don't have it in us as a nation to make socialized Health Care work like some of the European Nations. So much for being the greatest Nation on Earth. Granted we can bomb the shit out of anybody, we just can't take care of our less fortunate.

We do care, problem is too much. In no other country would one continue to receive benefits driving a 30k car, dressed in designer clothes and having big screen tvs.

We gave into entitlement because no one has the balls to say no, add a few illegitimate kids in the mix and you are set for life.
 
Yes, this one and its predessors, though the current one has become less and less functional due to special interest influence and partisanship.

Nonetheless, we'd have been a lot worse off without much of what the federal government has been doing in this country for the past 80 years. I shouldn't even have to supply specifics, but if you're actually serious about this, then we can engage further.
There have been some government projects with long term benefits, but many programs rolled out with the long term in mind have been devastating, or otherwise failed to meet their objectives. Respectively, I submit the Interstate highway system, and the DEA. On the whole I'd say the federal government's record for achieving long term wins (specifically the long term wins that were originally intended) is muddy. So muddy in fact that having a strong opinion either way is more a sign of one's political inclinations than the underlying facts. It is fitting that an evaluation of its legacy would boil down to a matter of politics.
 
We do care, problem is too much. In no other country would one continue to receive benefits driving a 30k car, dressed in designer clothes and having big screen tvs.
So they don't drive 30K cars, have big screens and dress in designer clothes in France, Germany and Scandinavia?
 
There have been some government projects with long term benefits, but many programs rolled out with the long term in mind have been devastating, or otherwise failed to meet their objectives. Respectively, I submit the Interstate highway system, and the DEA. On the whole I'd say the federal government's record for achieving long term wins (specifically the long term wins that were originally intended) is muddy. So muddy in fact that having a strong opinion either way is more a sign of one's political inclinations than the underlying facts. It is fitting that an evaluation of its legacy would boil down to a matter of politics.

The federal government does so many more things that we just take for granted than any number of examples of failed programs you can come up with.

Also, the DEA is a poor example to illustrate the point. The problem with the DEA is the policy of drug prohibition. It's implementation was doomed to failure before it began. This says nothing about the effectivess of government programs.

In any event, whatever the shortcomings of the government, it is preferrable to the alternative of minimalist government. There is no empirical evidence to support the effectiveness of minimalist government, and plenty to the contrary.
 
What does that have to do with the topic of this thread?

In the last hour did you someone lose track of the posts you have been replying too?

You brought up that we aren't taking care of our poor:
Yeah I think tyhat we need to admit that we just don't have it in us as a nation to make socialized Health Care work like some of the European Nations. So much for being the greatest Nation on Earth. Granted we can bomb the shit out of anybody, we just can't take care of our less fortunate

and in reality we are. There are TONS of welfare and free medical programs out there for those that need it. However, many are too proud to go and apply. Those that are in it are raping it for all it's worth.

This is how it relates back to the OP. Only in the US do you find those on welfare and aid programs still surrounded by luxury items. No one wants to acknowledge that white elephant in the middle of the room.

In other nations, neighbors more or less police each other. Here we have the 'snitches get stitches' mentality.

There have been PLENTY of state/county run programs that have showed trends that once things become free the percentages of those needing things goes way up. Along the same trends a lot of these free items end up on the street.

Palm Beach, Broward and Dade counties are rampant with diapers, baby formula, medical devices, etc ending up at flea markets and shipped out of the country.

The main problem is these people usually have kids and a lot of them. Even though none of the aid is going to them, no one wants to break up the home.
 
We do care, problem is too much. In no other country would one continue to receive benefits driving a 30k car, dressed in designer clothes and having big screen tvs.

We gave into entitlement because no one has the balls to say no, add a few illegitimate kids in the mix and you are set for life.

This strongly smacks of the whole "welfare queen" myth that has been debunked long ago. Sure, there may be a handful, but they are clear outliers that in no way represent the vast ranks of the poor. Thus, using it as an example of why we can't/won't support antipoverty or social programs is not an honest way to deal with the problem of poverty.

The reason that we set up what you seem to deride as entitlements is because there is a clear need of the people that these address. In fact, it takes balls to implement things like the requirement for insurance companies/hmo's to cover contraception. Doing the right thing costs money. Not addressing society's problems by throwing your hands up and saying "its too hard" or "we're broke, but here, have a tax cut!" is the epitome of the lack of balls in our leadership.
 
This strongly smacks of the whole "welfare queen" myth that has been debunked long ago. Sure, there may be a handful, but they are clear outliers that in no way represent the vast ranks of the poor. Thus, using it as an example of why we can't/won't support antipoverty or social programs is not an honest way to deal with the problem of poverty.

The reason that we set up what you seem to deride as entitlements is because there is a clear need of the people that these address. In fact, it takes balls to implement things like the requirement for insurance companies/hmo's to cover contraception. Doing the right thing costs money. Not addressing society's problems by throwing your hands up and saying "its too hard" or "we're broke, but here, have a tax cut!" is the epitome of the lack of balls in our leadership.

So you are saying people on welfare/food stamps are not also working under the table in illegal activities or side jobs? That they don't have nice cars with custom paint work and big wheels, that they don't have big screen TVs, etc?

That's a real laugh. Sure it's not 100%, but thats the problem...to many raping the system and no one wants to call them to the table. IMHO once on welfare you enter a socialistic they realm. The government should be able to demand how are you paying rent, for your belongings, etc. They should be able to drug test. You give up your privacy once you extend that hand for aid.

There should be no reason birth control for women is free unless they are impoverished. If they are they can get it for free. This also extends to items like breast pumps and the like.

If one cannot afford a breast pump and needs it, they damn well should not be having a child and if they did get pregnant it's clear they need to find a new family for them.

This is our problem. We let people do stupid things and then support them continuing that path.

Welfare is supposed to be a temporary crutch yet many never get off of it.

Look at all the food stamp fraud being busted now. People cashing out their 'needed' food stamps at 10 to 25 cents on the dollar...these people don't need them, they want the free money.

Open your eyes.
 
So you are saying people on welfare/food stamps are not also working under the table in illegal activities or side jobs? That they don't have nice cars with custom paint work and big wheels, that they don't have big screen TVs, etc?

That's a real laugh. Sure it's not 100%, but thats the problem...to many raping the system and no one wants to call them to the table. IMHO once on welfare you enter a socialistic they realm. The government should be able to demand how are you paying rent, for your belongings, etc. They should be able to drug test. You give up your privacy once you extend that hand for aid.

There should be no reason birth control for women is free unless they are impoverished. If they are they can get it for free. This also extends to items like breast pumps and the like.

If one cannot afford a breast pump and needs it, they damn well should not be having a child and if they did get pregnant it's clear they need to find a new family for them.

This is our problem. We let people do stupid things and then support them continuing that path.

Welfare is supposed to be a temporary crutch yet many never get off of it.

Look at all the food stamp fraud being busted now. People cashing out their 'needed' food stamps at 10 to 25 cents on the dollar...these people don't need them, they want the free money.

Open your eyes.

Again, you seem to rely more on the stereotypes about poverty than anything else. "These people" as you call them don't drive around in pimped out Caprices with rims that go over your hood level, have an xbox360 hooked up to a 50" plasma, swap food stamps for cigs, or go around dealin' to get that money under the table so that they can stay on welfare. That is just asinine, and it demonstrates your lack of understanding both of poverty and the programs that help alleviate it such as welfare, medicaid, WIC, etc.

Have you ever been poor or lived in an impoverished neighborhood? If so, then you'd realize that these stereotypes are the rare exception, not the rule. Many poor put in more work in any given day than most of the high-rollers here on Anandtech. Sure, they may own a car, a television, a refridgerator, or a microwave, (none of which may even be reliable) but lets face it, those things are damn cheap and can be had for free. Yet, you begrudge them from having anything more than a roof over their head. Just because you accept government assistance does not mean that you give up your rights or your dignity. Suggesting that they do just shows contempt for the poor.
 
it will mean higher unemployment. Easiest way for an employer to reduce obama no health care taxes is to reduce payroll. And it will happen. It will be the obama's planned recession in 2012/13. A lot of you guys that are still working now will be layed off prior to obama no health care kicks in.

The Employer Mandate doesn't start until 2014. When it does, employers with <101 employees are exempt. Those with >100 employees that don't offer insurance must pay $2000/employee after subtracting out the first 30 employees. Those with >100 employees that offer coverage but have an employee that qualifies for a subsidy must pay $2000/employee after subtracting out the first 30 employees or $3000/employee receiving a subsidy.

The per employee penalties in 2014 are small enough that companies won't lay people off, if anything they'll just reduce wages.
 
Again, you seem to rely more on the stereotypes about poverty than anything else. "These people" as you call them don't drive around in pimped out Caprices with rims that go over your hood level, have an xbox360 hooked up to a 50" plasma, swap food stamps for cigs, or go around dealin' to get that money under the table so that they can stay on welfare. That is just asinine, and it demonstrates your lack of understanding both of poverty and the programs that help alleviate it such as welfare, medicaid, WIC, etc.

Well like I said I know it's not 100&#37;, nor did I bring up donk cars. Two families when I worked for a pharmacy would come in each week with welfare coupons enough that had me fill each one of their SUV's to capacity with baby and diabetic gear. one was a lexus and the other a mercedes.

It was well known that one sold these items for profit and the other mailed it all back to her country.

I am not sure what rock you live under, but I guess the national food stamp fraud that's occuring is simply FUD. Not many are actually selling their food stamps to buy not needed items...it's all a myth.

Also we all know most on welfare end up off in 6 months to a year and become model citizens right? lolz.

But hey, look I never said get rid of it. I said regulate it tighter. So on to your next laugh:


Have you ever been poor or lived in an impoverished neighborhood? If so, then you'd realize that these stereotypes are the rare exception, not the rule. Many poor put in more work in any given day than most of the high-rollers here on Anandtech. Sure, they may own a car, a television, a refridgerator, or a microwave, (none of which may even be reliable) but lets face it, those things are damn cheap and can be had for free. Yet, you begrudge them from having anything more than a roof over their head. Just because you accept government assistance does not mean that you give up your rights or your dignity. Suggesting that they do just shows contempt for the poor.

Actually after my parents got out of the military post-vietnam war they were struggling. They actually qualified for welfare, but could get by without it so they did. They often just had pasta with butter if they were lucky with myself and my brother eating proper baby food. My dad worked during the day and went to night classes. Once we were of school age, my mother started working as a checker or whatever else would allow her to be able to pick up my brother and I when school ended. As my dad's career shifted into gear we moved up in the world.

I had a lot of nice things growing up, but I didn't extend that once I left home. One of the first things I did purchase was my own health insurance. It was more than half my car payment (it went between $125 and 175/month)...it sucked and even though I knew I'd be cared for if I did get hurt / sick...I wasn't about to make someone else cover that.

In my early 30's I struggled up until about 5 or so years ago. The product of a bad divorce and another relationship 5 years after it that had both women liquidating all assets and running up major debt. The second time I was a college student so had nothing to fall back on. I focused on self-growth and building my career. During this time many ATOT'er liked to make fun of that. Today I am successful, I give a lot to charity and other causes.

So back to your points...no I don't begrudge anyone for having bare necessities, but that is all they should have. The same way I was forced to sell off my shit to pay for bills, so should they.

The problem is we aren't focused on keeping people from getting to the poverty level, we are focused on helping them once they get there. Bankruptcy used to be a key element to our economy. You pushed the limits to make yourself better but occasionally you failed and were faced with financial ruin. Today it's almost impossible to get bankruptcy protection unless you are a business owner. Either way as part of it, you sell all your shit or the trustee comes in and does it for you. Right down to knick knacks.

You don't get to keep your TV, you don't get to keep your car unless its worth the amount of a beater.

When I delivered food as a teenager (after also working another job right after school), I saw a lot of the families that had their kids on the reduced / free lunch programs. They had nicer cars than my parents, nicer furniture, their kids dressed in the newest fashions and had all the toys. But hey, their parents worked under the table. AWESOME! free stuff.

One of my good friends is a Social Worker. Her services are paid for by the state/county and often she is sent out on DCS investigations to counsel the families. She sees all this abuse and reports much of it. So many get confused thinking she is not the police and not really DCS that they light up a freaking bong right in front of her and their kids. She's seen food stamps traded for pills. So I have no idea what I am talking about here.

Your dignity aspect though is one of entitlement and the same thing with privacy rights. It's in our best interests to do the due diligence on anyone needing assistance and due to their piss poor management of their lives keep on them to keep them moving forward.

We give every opportunity now to succeed in school, yet our children keep coming out and being failures despite going to those magnet schools, taking those free internships, taking those scholarships, etc.

Until we put our foot down and make being on welfare difficult and not so fun, then people will stay on the ride.
 
Again, you seem to rely more on the stereotypes about poverty than anything else. "These people" as you call them don't drive around in pimped out Caprices with rims that go over your hood level, have an xbox360 hooked up to a 50" plasma, swap food stamps for cigs, or go around dealin' to get that money under the table so that they can stay on welfare. That is just asinine, and it demonstrates your lack of understanding both of poverty and the programs that help alleviate it such as welfare, medicaid, WIC, etc.

Have you ever been poor or lived in an impoverished neighborhood? If so, then you'd realize that these stereotypes are the rare exception, not the rule. Many poor put in more work in any given day than most of the high-rollers here on Anandtech. Sure, they may own a car, a television, a refridgerator, or a microwave, (none of which may even be reliable) but lets face it, those things are damn cheap and can be had for free. Yet, you begrudge them from having anything more than a roof over their head. Just because you accept government assistance does not mean that you give up your rights or your dignity. Suggesting that they do just shows contempt for the poor.

It's not everyone. It's some people. And yes this is a major issue. Florida has been pushing a bill for drug testing if your on state welfare and there was a huge cry about how they are having their rights violate. That's absolute BS and a point you ignored in Alkemyst's post.

Quite frankly 10-15% of the people out there are abusing the welfare system. Is it the entire issue? no but it sure as hell causes us millions of dollars.

As far as I'm concerned if your on welfare you should have be forced to be on birth control - shot works for 9 months. Should just be mandatory. But I'm sure people would complain about right being violated again.
 
The second part of that is to get fucking rid of that 'abstinence only education' that batshit retarded republicans push on public schools. Don't want teen mothers? Stop teaching bullshit in schools.

The only thing we don't do is pour concrete in vaginas in the inner cities and they still get pregnant. What you need is to have is those on medicaid who are of child bearing age geta depo shot. Less crime and poverty right there.
 
http://news.yahoo.com/insurers-must-cover-birth-control-no-copays-140750830.html



READ IT.

This is disgusting that the gov't can come in and now tell Insurers exactly what they must cover and that they can't have co-pays attached. There is ZERO reason the Feds should tell Insurers this - it's just another example of how Obamacare is going to cost us all more while giving the Feds more power over our health insurance. INSURANCE isn't a maintenance plan - it's INSURANCE.


as if there was ever a reason that insurers should come in and tell docs what they can and can't cover, what tests they can't and must run.

yes, the standard practice is so much...different.

it seems that you have convinced yourself that the insurers weren't at the center of the problem all along.

fucking amazing.


though, you really should read more into that, from the overall savings that are expected.
 
http://news.yahoo.com/insurers-must-cover-birth-control-no-copays-140750830.html



READ IT.

This is disgusting that the gov't can come in and now tell Insurers exactly what they must cover and that they can't have co-pays attached. There is ZERO reason the Feds should tell Insurers this - it's just another example of how Obamacare is going to cost us all more while giving the Feds more power over our health insurance. INSURANCE isn't a maintenance plan - it's INSURANCE.

What makes this any different then states requiring drivers to have mandatory car insurance?
 
Again, you seem to rely more on the stereotypes about poverty than anything else. "These people" as you call them don't drive around in pimped out Caprices with rims that go over your hood level, have an xbox360 hooked up to a 50" plasma, swap food stamps for cigs, or go around dealin' to get that money under the table so that they can stay on welfare. That is just asinine, and it demonstrates your lack of understanding both of poverty and the programs that help alleviate it such as welfare, medicaid, WIC, etc.

Have you ever been poor or lived in an impoverished neighborhood? If so, then you'd realize that these stereotypes are the rare exception, not the rule. Many poor put in more work in any given day than most of the high-rollers here on Anandtech. Sure, they may own a car, a television, a refridgerator, or a microwave, (none of which may even be reliable) but lets face it, those things are damn cheap and can be had for free. Yet, you begrudge them from having anything more than a roof over their head. Just because you accept government assistance does not mean that you give up your rights or your dignity. Suggesting that they do just shows contempt for the poor.


I recommend you take a stroll down your local section 8 blocks and get back to us.
 
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