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I am a physician, so I figure I have something worse contributing here....
Just saying, "personal responsibility" is a fantasy in healthcare. There are good solutions, but that sure as hell isn't one of them.
I'm very happy to see you here. The current medical system is seriously broken. Here are the examples I am most familiar with:
Iodine supplements CURE the following disease which are caused by severe iodine deficiency:
Hypothyroid - Doctors insist on thyroid drugs or surgery
Fibrocystic Breast Disease - Doctors insist on pain killers or mastectomy
Ovary Cysts - - Doctors insist in surgery
Uterus fibroids & cysts - Doctors insist on surgery
There was no question that there WAS a problem with how it was run before....its that the solution is likely worse, overall than the original problem.
Problem before = A two-tiered system, where people that were very sick, uninsured, or with insurance and actually GOT SICK were screwed on an unimaginable scale. Most common cause of bankruptcy, many hospital ER's shutting down because of how much money they lose, people with severe medical conditions made de-facto destitute....the OTHER tier though got cheaper insurance, would still be helped if they were uninsured and got gored, had it overall pretty good IF they were healthy.
New problem = everyone must pay, by law, for the subsidizing and care of that first tier above. Now we all have to get a taste of what they had been getting for years. Costs will go up for the average healthy, middle-class person, down drastically for the very sick.
What no one ever addresses though, with either problem, is that the bill is just too high....if we all go out to dinner and the bill is outrageous, it makes little difference on how we divy it up. The smarter thing would be to pick a cheaper restaurant. LOWER the damn bill.
But alas, dear grasshopper, that is out of the question....because healthcare, sickness, MUST make money for our elites. This amount must go up every year, or their stock prices go down and they get sad faces.
Anything that is predicated on profit is doomed to fail. That is the reality.
"The soul that does not attempt flight; does not notice its chains."
I haven't crunched the numbers yet, but I assume as a responsible hardworking businessman I'll get boned somehow. Look, I'm never sick. I get injured sometimes, but that's even getting more rare now as I "mature" (ha!). And most of the time even if I'm injured I just want some X-rays to figure out if something's more broken than I originally thought, so I know if I should take it easy for a week or two or not.
Here is how I'd like to run my healthcare:
1. A co-op type of agreement, where I pay in whatever amount per year, but get a chunk of money back if I end up not using any healthcare (vast majority of my life); or
2. Insurance that covers the really catastrophic stuff, in case I ever actually encounter some sickness or object capable of killing me or doing some REALLY serious damage--which I'm starting to doubt exists at this point. Take care of the rest by having a relationship with a couple of pirate-minded doctors who will give me a discount for paying cash for tests or elective stuff or whatever. Basic stuff like stitches can be handled by me and a suture kit (if I can use both hands and have access to a couple of shots of bourbon), or by a competent veterinarian who accepts cash and doesn't ask too many questions.
Why does the government have to try to hold my had on crap? Just leave me the hell alone.
I am livid right now that our asshole president has been able to push this stupid thing through and force citizens to pay for healthcare or lose their licenses and homes. I am saddened to think of what our founding fathers would think of this. All those who fought and continue to fight for our freedoms to have this asshole take away our freedoms because he can. So now we are forced to pay for healthcare, and also be taxed so we can pay for illegals to have free healthcare. That is seriously f*ucked up!
You sign up for health insurance, because now that is the law, you have to buy health insurance. If you don't, you're coerced again into paying a fine from your tax refund, $95 the first year but it increases each year you don't have health insurance. If you have coverage under your employer, they may not drop it, but they probably will -- and if they don't, it will change for the worse.
You pick from 4 levels of coverage: bronze, silver, gold and platinum. Most bronze plans will cost a healthy 28 year old male about $225-$275 depending on the state and how may subsidies he is eligible for. If you do get subsidies you will still pay $150-$200. This insane plan will pay 60% of total costs, with each year you pay the first $6000 out of pocket, regardless. That is your deductible. Co-pays is around $100 each.
The sickest people pay the 6k, but amass insane amounts of bills people are expected to foot the bill for. It's not sustainable at all, this is not even getting into the fact there is a shortage of doctors now, there will be a collapse entirely too with the sick people not even being able to get into emergency care anyway.
I disagree that this won't affect pricing... most people in the industry are expecting dramatic effects on pricing as price sensitive high-deductible consumers start to have a dramatic effect on the market place. One immediate effect anticipated is an increase in telemed: insurance never embraced it and as a result about 80% of face-to-face medical appoints are booked for the _sole purpose_ of revenue... cash payers who can get that appoint for cheaper on the phone will.
I also think that those who making the most noise are... interesting. If you are paying full freight, you are richer than about 50% of households. If you are paying a $4,000+ fine to not have health insurance, you have an income of $400,000+, probably a matching level of assets you have chosen not to protect by not having health insurance, and you are a farking moron.
I will pay full freight, I couldn't get individual insurance for any price before the exchange (I work for myself and live in a state that allows 1 person corporate "group policies" and also has a state rescue plan, so I had options that many people not on a group plan did not have) and my insurance costs are going to come down about 30% for a equivalent exchange plan, this is in a state where the legislature f*cked us and we have some of the most expensive exchange rates in the country. I'm not seeing enough people like me telling this story, probably because 100 rich people will jump back with sob sob sob... someone sobbed on my facebook page that they were paying $250/mo on the exchange. Eff them, I was on the Just Die individual plan and on the $600/mo work around plan. Zero sympathy to those whiners. Now the working poor that are really getting the shaft in states like mine that chose not to expand Medicaid, all the sympathy in the world...
The following are 21 of the best comments that have been posted on the official Healthcare.gov Facebook page so far…
Needless to say, there are a whole lot of very frustrated and very disappointed people out there right now.
21. “I am so disappointed. These prices are outrageous and there are huge deductibles. No one can afford this!”
20. “Good grief. Day three of trying and still can’t get on this website. The government KNEW about this thing going live for two years. TWO YEARS! And this is the best they could do? I shudder to think what’s going to happen once they are in control of my healthcare. They can’t even get their website functioning properly. If my business had rolled out a piece of crap that worked like this I’d be out of business.”
19. “How is it that Facebook, which is a non-essential social networking web site, can reliably handle BILLIONS of electronic interactions per second, but the Healthcare.gov site, which is literally the very heart of the Obamacare program wasn’t ready for the obvious millions of visitors that you had to know it would be receiving?”
18. “i’m just going to stop even bothering for a couple weeks or so… once the fervor dies down, hopefully i’ll be able to actually create an account!”
17. “The Federal Gov’t has ruined everything it has gotten involved in, does anybody really expect this healthcare disaster to be any different? Sorry, I’ll take the asinine fine.”
16. “And yet another day and several tries I once again keep getting nothing but a completely blank page after I log in. The top tab says ‘Successful URL’. Oh how ironic.”
15. “Didn’t these Feds ever have mothers that told them not to lie? Maybe they were raised in the wild. This system is trash. I can’t verify my identity or upload documents. Also what’s with Experian verifying ID’s? Don’t care for that at all.”
14. “I am a single mother of two, in school and working full time, living 75% below the poverty level and I DO NOT qualify for a healthcare subsidy”
13. “the website can’t verify my identity…the people at the experian verification number can’t verify my identity either….i tried to upload a scan of my driver’s license, and that won’t work either……very annoying process…….i’ve wasted 3 days on this junk.”
12. “if you’re stupid enough to put all your banking information in to the federal governments computers you are definitely part of the problem”
11. “Where the HELL am I supposed to get $3,000 more a year to pay for this “bronze” health insurance plan!?!??? And I DO NOT EVEN WANT INSURANCE to begin with!! This is frightening.”
10. “I have one question. What happens if I can’t afford the Affordable Health Care that you are cramming down my throat? I just ran your calculator, and if it is even close to accurate, I will have a choice…..I can pay my rent and buy groceries, or I can pay the health care premiums, move out into the streets and live under a bridge some where, and go hungry! Can I please get one of those exemption things that the President and Congress got?”
9. “I’ve been stuck at the security questions since 9am on October 1st”
8. “Death Panels. Yes. The red plan. It’s affordable. And painless!”
7. “Here in Austin, TX have gotten to login screen three times today, wait is getting shorter, but am still getting
a blank screen after getting a quick ‘authenticating, please wait’ message at top left of screen, then nothing but a blank white page and no indication that the browser is waiting for the server to do anything. Attempts to refresh the screen sends me back to the please wait screen.”
6. “I finally got past the security question problem, got my account, my verification email, and when I went to log in, it said the information was invalid.”
5. “I want to know how I am expected to pay $300+ for this and still pay my bills when the only income is $710 a month from my husband’s SSI? Am i supposed to lose my home and water and electricity or go to jail because I can’t afford this?”
4. “Government forces people to pay a new tax. People click on website to see how much this new tax will cost them. Website crashes in the first hour. Government calls it a huge success.”
3. “I work a minimum wage job…how the heck can I afford health insurance and if the company doesn’t give full time? I am so angry right now…. I share housing with others because I can’t afford my own place… how do you expect people to afford obamacare if they barely get by from paycheck to paycheck????? I can’t afford a fine either! I think you are obligated to give the American people an answer and an explanation!”
2. “Y’all can kiss my butt. You got that? You want my bank account? I’ll close it. You put a lien on my house? Take it…and the mortgage too. Some things are worth fighting for, and freedom is one of them! I am sick and tired of the redistribution strategies of this socialist country and having my wages STOLEN to pay for them!”
1. The best comment was posted by a man named Will Sheehan with type 1 diabetes who was initially very excited to sign up for Obamacare. But what he discovered while trying to sign up was absolutely horrifying…
I actually made it through this morning at 8:00 A.M. I have a preexisting condition (Type 1 Diabetes) and my income base was 45K-55K annually I chose tier 2 “Silver Plan” and my monthly premiums came out to $597.00 with $13,988 yearly deductible!!! There is NO POSSIBLE way that I can afford this so I “opt-out” and chose to continue along with no insurance.
I received an email tonight at 5:00 P.M. informing me that my fine would be $4,037 and could be attached to my yearly income tax return. Then you make it to the “REPERCUSSIONS PORTION” for “non-payment” of yearly fine. First, your drivers license will be suspended until paid, and if you go 24 consecutive months with “Non-Payment” and you happen to be a home owner, you will have a federal tax lien placed on your home. You can agree to give your bank information so that they can easy “Automatically withdraw” your “penalties” weekly, bi-weekly or monthly! This by no means is “Free” or even “Affordable.”
You can see a screenshot of his comment below…
What are your real life experiences with Obama Care?
Regardless of your opinion regarding the AFfordable Care Act, using posted comments on a website as evidence is a poor way to inform yourself or anyone else. There are people paid by any side of an issue to create posts to fabricate a groundswell.
I'm not seeing enough people like me telling this story, probably because 100 rich people will jump back with sob sob sob
I'm not rich, by any means. I live on a budget too. but I make just a bit too much for subsidy and have no tax deductions. So.... well, it's a lot of money and I have to cut spending in some other aspect of my life to cover it. I may well make more than 50% of the population... of course I work two jobs. \
I'm not sure how you were uninsurable in NC. I have friends with diabetes and reoccurring brain cancer that had coverage through a state program. They were unable to get insurance in the private marketplace so got it from a state program- here is an article on it. My friends were very happy with the coverage: Program provides health coverage for those deemed uninsurable :: WRAL.com