Posted on 04/08/2017 2:11:46 PM PDT by 2ndDivisionVet
Let's see if this does the trick.
House Republican leaders, looking to jump-start their floundering effort to repeal and replace Obamacare, on Thursday said they were proposing creating a $15 billion federal high-risk pool that would provide insurance coverage to Americans with pre-existing and often serious health issues.
Speaker Paul Ryan said the provision would "lower premiums" for other, healthier people who buy individual health plans by shifting the risk of covering higher health-care users to the federal risk pool.
Ryan, R-Wis., also said it "gets us closer together, closer to that consensus" needed to pass the GOP replacement bill.
But, "I want to be clear: we still have more work to do," Ryan told reporters.
The federal pool, which would be funded with $15 billion, would be replaced by individual state-run high-risk pools in 2020.
It is far from clear whether the inclusion of the provision — which is based on the state of Maine's high-risk pool — in the American Health Care Act bill would do enough to garner the Republican votes needed to pass that legislation, and send it to the Senate for review.....
(Excerpt) Read more at cnbc.com ...
Then it’s welfare not insurance
We can either pay for them through higher premiums or pay for them via taxes. Helluva choice. The result is the same. I’m still paying for my own plus other people’s health care.
Why is that my responsibility?
Why couldn’t it be this simple? Let everyone buy whatever insurance coverage they want or need - no mandated coverage. For those left in dire straits by the repeal of Obamacare, use the money saved from that disaster to help them out as needed.
After a very short time of allowing the free market to work its magic, insurance costs would decrease dramatically.
Also, we need tort reform. d
If doctors were not so burdened by government and insurance company regulations and paper work, and not destroyed financially by high malpractice premiums, many of them would return to offering free care to those who could not afford to pay.
I’ve often thought that Indians should let doctors set up clinics on their reservations, and allow them to practice medicine as they see fit, without government and insurance getting in the way. It would be a boon for everyone.
I wonder morally about the premise that the poor generally must stay poor to get Medicaid coverage, but those with high risks should have their healthcare paid by the government (taxpayers) without having their assets drawn down.
Does that seem right?
Why shouldn’t Medicaid be the solution in such cases?
Is sleep apnea really a disqualifier? I didn’t realize that. The individually self-employed used to be able to get health insurance through organizations that could and should be brought back with Obamacare repeal.
Assigned Risk, same as the Car Insurance Pool.
Although it is really just pushing around how other people/taxpayers are paying presumably the same total cost for high-cost healthcare users, isn’t it?
That is, we pay for others with our premiums or we pay for others through our taxes.
And yes, taxes are the better route if that is the choice.
I am not sure I am clear on your argument. I take it that those on Medicaid have to keep income and asset levels low in order to have the government foot their healthcare bills? That becomes in a sense one of those perverse incentives to keep people poor and from improving their situations.
But somehow those with high costs who are not already on Medicaid should have the government pay their healthcare bills without requiring such an asset pay down?
Why is that just?
Interesting. At that time my farm family always bought and had Blue Cross Blue Shield insurance coverage for themselves, but didn’t provide it to their employees.
But I would have thought a factory would have had to provide coverage for their employees if unionized—and would have covered senior managers as well.
The advantage of getting the uninsurable out of the insurance pool is for us. Insurance companies are taking it out on those who aren't high risk, with high deductibles and restricted care options. They have to keep costs in line where ever they can.
Right, and again, that is better than the forced subsidies through the private market, but the net cost to us, since we are also the taxpayers, is probably just as high. No?
Exactly, 35 states had high-risk pools before O-care, send some extra Medicaid money to the states and be done with it. We don’t need another level of Fed bureaucracy. The GOP gets a D- on the subject.
https://www.ehealthinsurance.com/health-plans/high-risk-pools
The net costs may not be as high. If a federal pool is in charge of those high risk diseases, they can control costs of pharmaceuticals and strive for lower cost solutions.
Just repeal and then repeal all the other government interventions in Medicine and Insurance. Don’t replace any of it with anything. I have Medicare. Shut Medicare down. Do it gradually and deliberately or just bang shut it down. No gradually for Medicaid. Shut it down. If the states want their socialized medicine, let them have at it. But the Federal government has no warrant in the founding Document that defines what the government may do and may not do.
Non Union, small corny. Accidents were different deal Company had that
You are sooooo right.
The gov’t, inept, corrupt, and EXEMPT,
should stay out of health care (except to
register professionals to some standards).
Competition is the way.
My first computer was $30,000; but competition
drove the price down, down, down.
Balderdascious drivel
Those on Medicare have already pre-paid that tax. We still pay income taxes short form now even on SS/Medicare/Tricare Life, Navy Pension.
I agree with you with adults on Medicaid. A sliding scale for income on ins and co-pays could be considered. So the poor at least pick up part of their care.
Which is why a high risk ins pool is needed. Some Chronically ill patients can never work, thus DSSI or Medicaid picks up the tab. Unless you are as rich as Bill Gates. Working poor are another batch. Lack of education, skills, add in chronic health issues many of them caused by doctors, or life styles, where do they turn, Medicaid/DSSI as it takes both. They paid some into Medicare, but not enough. When a 3 yr old becomes that chronically ill person with MD the cause, and ends up first a wheel chair then bedridden on a breathing machine they will never work.
Then you have to factor in hospitals jack up the prices big time Saline IV is a $10 to produce product factoring in materials and labor, why is it costing 300% more? Docs get kick backs for scripting new drugs, instead of the older ones, not that the new work better, they haven’t enough research or history to prove they are that effective or better than an older proven drug. Tons of factors no one considers, Big Pharma needs to be broke up with the Sherman Act, stop the incestuous relationship between them and Congress members, most of their lobbyist are former congress people, and the FDA needs a serious revamp.
Medicare alone has a $60 BILLION YEARLY WASTE AND FRAUD ISSUE. Same goes for VA and Medicaid. Not to mention the Illegals and Refugees being put on it, that they don’t or didn’t earn the right to.
This Opioid Crisis is a LSM and researcher’s Manufactured crisis. Heroin laced with Fenyatal stolen or cooked like Meth is the biggest cause.
Hubby’s 3 day stay in the ER for angina attack, a few years ago because the small hospital had no bed for him was $55K ER rates not a room rate. Couple of Nitro paste, a whole aspirin a day, EKG which the leads where left on and hooked to a monitor, IV’s, meals, and a walking stress test is all he had, besides the Heart Doc who was called in who billed separate. That is far higher than it should have been. I hate to think what this new partial knee is going to be. Bills for it have not come in yet.
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