Posted on 07/31/2007 9:52:42 AM PDT by SirLinksalot
The vast majority of Free Republic, along with the GOP`s conservative base would disagree with you.
Take off your blinders. Rudy is a big government liberal, an activist for gun control, a promoter of abortion on demand, an advocate for gay rights, a backer of global warming bunkum and a politico who supports amnesty for illegals.
There is already enough carriers. Carriers undercut to a degree but health care cost are going up on average 10-15% per year. You can use your argument on computers and cars but not healthcare. No comparison.
It's both.
If it was up to the individual consumer to make all his own medical decisions and there were lower-cost choices available and if he was spending his own money out of his own pocket, he would not "use" so much.
Nonsense. I have a small business. In my area there are very, very few plans to choose from.
HSA's? Almost none.
“You think that my employer will give me a raise now for something that they no longer have to pay for? I don’t”
I agree. Also how many people could afford the $1000-1400 per month for a decent family coverage? I know some people will come back and say theirs is only $350 per month but not everyone is 23 years old and and in perfect health.
I like what he’s saying.
Now if he’s just serious!
Nonsense. I have a small business. In my area there are very, very few plans to choose from.HSA’s? Almost none.
BC/BS, United Healthcare, Aetna, nationwide, State Farm, Health America, etc sell individual HSA plans nationwide. I could list 25-30 more if I wanted to look them up.
Trust me there is enough carriers. They are beating themselves up to get the business. The problem is finding people to afford the premium.
I like the fact that Rudy has the guts to propose this and defend it in public...
I like the fact that Rudy has the guts to propose this and defend it in public...
I like the fact that Rudy has the guts to propose this and defend it in public...
No, you trust me. These plans are not available in my area.
And premiums are high...of course. Because people are not buying their own insurance. Once they do, prices come down. Happens all the time in free markets. Econ 101.
Do you think that the free market has bypassed the health insurance industry by economic mistake?
Tell me what cty and state you live in and I will have 10 carriers listed that will sell you a group or individual HSA.
BTW: There are too many carriers in the business. Why do you think the industry has lost literally hundreds of insurers over the last 10 years?? Every conferance I go to EVERYONE agrees there are too many carriers-and way to many plans to pick from.
HSA’s are a great plan but is not the panacea it is made out to be.
Typical example:
Someone has a rich benefit plan and paying $500 per month. They take out a $2000 deductible plan for $275 per month. 3-4 years later they are now paying $500 per month through medical cost trends and they have a $2000 deductible to boot. The insurance industry just loves it. Why do you think they are cramming the HSA’s down our throats? (us agents)
Kailua-Kona, HI.
If you really could give me 10 valid options I would appreicate it but I bet you can't. (First you have to give me some companies who will sell me individual high-deductible health insurance in order to make the HSA option a viable one).
EVERYONE agrees there are too many carriers
Not nearly enough selling to individuals...a market largely untapped.
They take out a $2000 deductible plan for $275 per month. 3-4 years later they are now paying $500 per month through medical cost trends and they have a $2000 deductible to boot
The $500 will still be way lower than regular insurance, which will have increased at the same rate. Plus, you have not taken into account that many with HSA's invest the money they put into the account and it rolls over. They may have a very fat sum in their account in 3-4 years, easily paying for at least the deductible.
By the way, I need individual (family) insurance.
Because they see employers starting to buck paying insurance and see the wave of the future as being individual buyers rather than group insurance? Yes.
“Not nearly enough selling to individuals...a market largely untapped”
All the carriers I mentioned above sell to individuals. Go onto their website and request information.
I love it!
Where is the list of 10 you promised which sell in my area?
Didn't think you could do it. I have been to the sites. They do NOT sell to my area.
I knew you would not deliver.
I think his opinion is that is wrong, people should be counseled against it, but until the SC overturns it or rules it is not a Constitutionally protected right, then why shouldn't the government fund it? On a logical basis he is right.
As a self employed person with a family of five, a 15,000 a year tax break would be huge and my wife would bring in an extra few hundred a month because she would no longer have to pay for insurance.
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