Some questions (genuine) about the health care bill.

[episodic]

Ok, so say you are 18. Your parents 'can' carry you till 26 - but for financial reasons they don't. You don't work, and go to college. Do you get the fully subsidized health insurance?

What about part time jobs? Like working as a newspaper deliveryman. Will they be required to give 'everyone' access to health insurance? Or like a 19 year old working 13 hours a week at the local burger joint for textbook money at a college?

What about a job I had as a younger guy - I worked at a hotel full time. They had health insurance available, but the only people that could afford to take it were the managers or high level types. My takehome was $1000 a month - and the insurance was $700 a month (for family) - can this person go on the open market or get the cheap stuff or will the be required to buy the high priced stuff that there is no way they can afford?

What about people living overseas - are they exempt?


What about classes of people that have taken better insurance packages in lieu of raises over the years? I know about he union 'help' in the bill - but I'm talking about non-union. Many teachers believe it or not are 'non'-union, especially in the south. Also lots of public servants, city/state employees. Any help for them not to get hit with the cadillac tax?

 

[EagleKeeper]

There are many holes and scenarios that are not addressed.

One reason that a catch all "committee'office" is to be setup to actually write the rules. That way Congress is not fully held responsible - it will take 2-4 years to iron out the kinks and determine who gets the shaft.

 

[woolfe9999]

Ok, so say you are 18. Your parents 'can' carry you till 26 - but for financial reasons they don't. You don't work, and go to college. Do you get the fully subsidized health insurance?

What about part time jobs? Like working as a newspaper deliveryman. Will they be required to give 'everyone' access to health insurance? Or like a 19 year old working 13 hours a week at the local burger joint for textbook money at a college?

What about a job I had as a younger guy - I worked at a hotel full time. They had health insurance available, but the only people that could afford to take it were the managers or high level types. My takehome was $1000 a month - and the insurance was $700 a month (for family) - can this person go on the open market or get the cheap stuff or will the be required to buy the high priced stuff that there is no way they can afford?

What about people living overseas - are they exempt?


What about classes of people that have taken better insurance packages in lieu of raises over the years? I know about he union 'help' in the bill - but I'm talking about non-union. Many teachers believe it or not are 'non'-union, especially in the south. Also lots of public servants, city/state employees. Any help for them not to get hit with the cadillac tax?

In answer to your first question, if you don't work, you will get a partial subsidy (about 75&#37 to buy insurance, but the mandate will not apply to you since you have no income. If you do not work for a long period of time, you may be able to get insurance through Medicaid.

Part time and other kinds of low wage jobs - do you mean will your employer be required to provide insurance? In general, the bill has an employer mandate for large business (more than 50 employees) but not small businesses. Part time employees, I don't know. If you don't get employer insurance and your income is low, you can buy it off the exchange with a subsidy/tax credit which will pay most, but not all, of the cost. You may also be eligible for Medicaid if you work part time. The bill extends Medicaid eligibility up to wages at or below 133% of the Federal Poverty Line (FPL).

Your hotel job - you could buy off the exchange with most - but not all - paid for by the government. Your wage in that job was too low for the mandate to apply, so you wouldn't have to buy the insurance. You could go without if that is what you preferred.

People living overseas, I don't know, but I strongly suspect they are exempt.

There is no union help in the bill - that was an idea that was never implemented. The high premium tax will start in 2018 for everyone, with a cap that is being raised in the reconciliation bill. These caps are going to apply, at first, only to very high end policies. Since the cap grows at a slower rate than health premiums are expected to rise, this will affect more and more policies with each passing year. So I wouldn't worry about any teachers, initially, as the caps are set so that they pretty much only apply to executives with very gold plated plans. Later, however, that could change.

- wolf

 

[Hacp]

scenario: You're born with incredible self healing power. You can never get sick and can always heal back to your original state. Do you still need to purchase health insurance?

 

[Slick5150]

scenario: You're born with incredible self healing power. You can never get sick and can always heal back to your original state. Do you still need to purchase health insurance?

Scenario: You're born without the ability to think in complete sentences or form rationale thoughts. Should you still post every thought you have on the interwebs?

 

[woolfe9999]

scenario: you are born without a brain, and that causes you to endlessly spew right wing talking points about healthcare reform. If you spew your talking points out in the forest where noone can hear, did you really spew them or not?

- wolf

 

[Lemon law]

scenario: You're born with incredible self healing power. You can never get sick and can always heal back to your original state. Do you still need to purchase health insurance?

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Hacp just repeated the Republican unreality fantasy Island health care plan, just don't get sick. In recorded human history, its never worked for anyone for more than 120 years. And sadly health issues are no respecters of rich or poor, republican or democrat, religious or atheist, as soon as you are born, you start dying. By age 60 or so, most people start needing more expensive health care.

As it is, existing law prevent hospitals from denying health care to the sick, be they insured or uninsured. Since hospitals can't collect from the uninsured, they pass those costs on to he insured.

And Health care is just a total cost America owes to America. All we are debating about is who pays for it. As it is, the existing employer based health care system pays for the totally uninsured, and do not get me started about how the private Health care insurance companies kite the total American health care costs and build in inequities into the system.

Our goal should be to reduce the sum of American health care costs, and the best way is to reduce and eliminate the total parasites in the system, namely the private insurance company bureaucracies, in favor of a single payer system. The current bill forgot to do that, but the bill still reduced the inequities. And as more and more Americans can afford health insurance, employer based plans will save a bundle of money because they no longer have to pay for the uninsured. So will those on employer based plans benefit also in terms of reduced premiums, and so will private employers willing to offer insurance to their employees. What they have to pay will reduce also.

 

[Hacp]

As it is, existing law prevent hospitals from denying health care to the sick, be they insured or uninsured. Since hospitals can't collect from the uninsured, they pass those costs on to he insured.

So you answer is to overburden the taxpayer rather than repeal the unfair laws?

 

[Lemon law]

So you answer is to overburden the taxpayer rather than repeal the unfair laws?

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Go ahead Hasp, be a human monster, advocate those without money cash in advance be turned away from US hospitals in their hour of need. Even the insured would be turned away in many cases as the dead piled up in front of hospitals.

Not even the GOP has the political guts to openly advocate that, and if they did that, there would not be a single GOP member in the next congress.

 

[Pneumothorax]

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Our goal should be to reduce the sum of American health care costs, and the best way is to reduce and eliminate the total parasites in the system, namely the private insurance company bureaucracies, in favor of a single payer system.

I'm not in love with insurance companies, but I'm so tired of this bullcrap from the left. We spent over 2 trillion on health care in 2008, so the billions the insurance companies made is a mere pittance. So if you took the billions from the insurance companies, it wouldn't even come close to paying off these new entitlements. I guarantee we will not see even half of the supposed $500 billion "saved" from Medicare cuts. So most of this will come from taxpayers and higher insurance premiums.

 

[Lemon law]

In a word no, Pneumothorax, as costs are transferred to Federal Health care substitutes, there will be a dollar for dollar reduction in private health care plans.

We are still talking about what is the net American health care costs.

And you can't guarantee doodle squat. Every major industrialized nation on earth has managed to reduce their net health care costs in a more radical way, and up till now, American net health care costs are the highest in the world without coming anywhere close to leading on overall quality.

This reform will help, but more reform is needed.

 

[Hacp]

In a word no, Pneumothorax, as costs are transferred to Federal Health care substitutes, there will be a dollar for dollar reduction in private health care plans.

We are still talking about what is the net American health care costs.

And you can't guarantee doodle squat. Every major industrialized nation on earth has managed to reduce their net health care costs in a more radical way, and up till now, American net health care costs are the highest in the world without coming anywhere close to leading on overall quality.

This reform will help, but more reform is needed.

And the solution is to expand care rather than reduce it? How does that work? We're talking about real life here, not some fantasy.For example, in real life, if your food costs are too high, you don't buy more food. You buy less.

The solution to health care costs is simple. Get rid of medicare, medicaid, health insurance for government workers. Let everyone who wants health insurance pay for it with their own money. Then, we will spend less of our GDP on health care like you wanted.

 

[shira]

scenario: You're born with incredible self healing power. You can never get sick and can always heal back to your original state. Do you still need to purchase health insurance?

My response is also a hypothetical: You're born with no brain, but somehow you're able to fool large segments of the population into believing that your idiotic babbling is rational discourse. In fact, you're able to fool so many really stupid people in your home state of Wisconsin into believing that your ludicrous ideas are sensible that you're able to get elected to the House of Representatives, where you continue your vacuous rhetoric.

So, I say that if Paul Ryan can be a member of the House of Representatives, then Jesus Christ should have to pay for health insurance.

 

[shira]

scenario: you are born without a brain, and that causes you to endlessly spew right wing talking points about healthcare reform. If you spew your talking points out in the forest where noone can hear, did you really spew them or not?

- wolf

We both had similar ideas, I see.

 

[Slick5150]

And the solution is to expand care rather than reduce it? How does that work? We're talking about real life here, not some fantasy.For example, in real life, if your food costs are too high, you don't buy more food. You buy less.

The solution to health care costs is simple. Get rid of medicare, medicaid, health insurance for government workers. Let everyone who wants health insurance pay for it with their own money. Then, we will spend less of our GDP on health care like you wanted.

There is so little logic in that idea it's almost painful.