Posted on 08/27/2019 3:36:15 PM PDT by The Houston Courant
If you owned your health insurance policy, I’m sure insurance companies would have been offering such things as the 26-year-old thing as a rider - similar to what they do with life and car insurance.
same tax breaks proposed for individuals as businesses get. That way individuals can have their own policies that follow them. Stay insured = no pre-exiting conditions.
The ACA is collapsing, but leaving it behind is going to be painful too. It destroyed a lot of things that support a free-market solution, and the last point to avoid a lot of the pain was in 2013.
“So I can have the wreck and wait for “open enrollment?”
Cool!
You F’ing idiot.”
If you have a wreck in May 2019 and your medical expenses are $250k, when your insurance starts in January 2020 it does not pay back those expenses occurred in May only expenses from January 1st 2020 and later.
35 year career working for health insurance companies. I think I know a little bit more than you of the complexities.
Nice language.
Yeah, “pre-existing condition” has sort of become a thing that means whatever the party arguing about it wants it to mean. This newspaper, for example, seems to think it’s something Trump wants to ban. At one point in the article they talk about banning the condition.
It’s not insurance. It’s wealth redistribution.
RE ABOVE:
“pre-existing condition repeal “
You go into the high-risk insurance pool like before 2008...subsidized by charity and the government. Wrecking havoc on the system for the 98% with 2% of the cases is doomed to socialized failure.
Alot of companies used to (and some still do) offered health insurance for employees at either no cost or a small cost, why would someone pay separately for an expensive policy when it came free with employment? My current employer has low cost but my prior employer (just 5 years ago) had no cost.
Yep, tell me about it, the wife and I are going to be w/o health insurance for about 5 years due to the ACA...early retirement, and a high-deductible policy I priced before 2007 was $220./mo....now a worse coverage policy is $1925./mo.. Unaffordable for us...we are going to have to go with a “health share” like Liberty Health Share.
Absolutely! I saw a picture of a crowded beach taken in 1970, no one was fat! You could see a couple older type ladies who were a little thicker around the waist but not fat by any means. I saw another thing (on facebook) of Japanese kids dancing before school, I said you could tell that is not America because none of the kids are fat!
Medicaid
Alot of companies used to (and some still do) offered health insurance for employees at either no cost or a small cost, why would someone pay separately for an expensive policy when it came free with employment? My current employer has low cost but my prior employer (just 5 years ago) had no cost.
Your employer’s cost for you comes out of your wages - so it’s not free to you, it merely gets diverted from you pay before it makes it to your pay stub. The reason that employers were paying for health insurance as a benefit was because it was deductible as a business expense for them, but not for you. The fix is not for you to pay for it via cost to your company AND via cost to you. It’s for you to own it like you do car insurance.
A benefit from the company could be to kick in to your HSA.
Further, say 25 years ago, “high deductible” meant $250 to $500. Now most pay full-coverage platinum rates plus a pre-payment plan, with a huge deductible between $5k and $12k. That difference isn’t inflation.
Health insurance covering pre-existing conditions is as shambolic as buying auto insurance after you’ve wrecked the car.
It’s not insurance, it’s WELFARE.
I have never been aware of a company allowing that, my insurance always covered the kids until they were 18 (prior to the ACA) or until they had completed (or maybe 21 if they were in college). But then again, I always had employer provided insurance.
But that seems irrelevant (that it is included in my employment pkg) it’s always included whether you decide to take it or whether you decide to buy an expensive policy separately. I choose the free one, it’s not like I’m going to get paid more if I don’t take it.
So my point was, if I had a condition, and went to a new employer who also provided health insurance, it would have been considered a ‘pre-existing condition’ and the new insurance would not have paid it. Most people would not be able to even change jobs because they would lose their insurance. I absolutely support the ‘pre-existing’ changes in the ACA.
I really feel sorry for these very young kids that their parents have let them become this FAT!! Then I look at the parents and they are the same, you would think they would want better for their kids / silly me!!!
Insurance, is by nature cost shifting, or cost sharing.
Other wise why not make it illegal in the first place?
Think about car insurance. Why not just make it illegal?
If the pre-existing illness was there before you wanted a new company to fix it, and it was obviously problem, why didn’t you fix it them. That’s like taking a wrecked car to be insured, expect standard rates, and expect them to fix it when you haven’t put a dime into the system.
If they turn you down, go somewhere else and try them. But any insurance company that is that stupid to insure and pay for a newly covered car that they weren’t around when the accident happened, deserves to pay the bill. Would you buy a house that had burned down? Would you buy a plane ticket from an airline that is not going to guarantee you a seat when you want to go? Would you buy a wrecked car if you wanted just transportation? Of course you wouldn’t. That would be stupid. So why expect the insurance to take on an instant debt that you wouldn’t take yourself?
rwood
“I’m 500#, I cannot work do to my weight.”
Lose some weight.
“Do you really want to do nothing and just let me die?”
Try doing something for yourself. It’s not my responsibility to clean up a mess you made.
“what are the alternatives to the ACA for me ?”
Pay market rates and feel the consequences of your life choices.
“Convince me I don’t deserve basic health care.”
Deserving has nothing to do with it.
“this post is facticious..”
Did you mean facetious?
L
It's out of control for most people. Sure, there's a percentage who understand what it takes to be healthy and follow through. But most don't. What bothers me is kids. Sunday, for example, was a beautiful day. I took a long walk, a couple of miles to a park and back. I don't think I saw even one child outside.
Have we become such a tolerant society that there's no incentive to be one's best? To take responsibility for ones health and well being? For parents, to raise children who are independent and self-motivated? I don't see where this will even be reversible in another generation or so.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.