Free Republic
Browse · Search
News/Activism
Topics · Post Article

Skip to comments.

Donald Trump is about to face a rude awakening over Obamacare (preexisting conditions)
The Washington Compost ^ | 11/12/2016 | Steven Pearlstein

Posted on 11/12/2016 4:19:09 PM PST by E. Pluribus Unum

After reiterating his promise to repeal and replace the Affordable Care Act, President-elect Donald Trump has indicated that he may keep two of the law’s most popular provisions. One is straightforward enough — children up to the age of 26 being allowed to stay on their parents’ plan. The other — preventing insurance companies from denying coverage because of preexisting conditions — offers a perfect illustration of why Trump and most of the other Republicans critics of Obamacare don’t understand the health insurance market.

Let’s say that in the beautiful new world of “repeal and replace,” insurers are required to sell you insurance despite the fact that your kid has a brain tumor. Insurance companies know what to do with that. Their actuaries can calculate that kids with brain tumors typically require (I’m making this number up) about $200,000 a year in medical care. So they’ll offer to sell you a policy at an annual premium of $240,000.

(Excerpt) Read more at washingtonpost.com ...


TOPICS: News/Current Events
KEYWORDS: 2016issues; aca; obamacare; repealandreplace; trump2016; trumptransition
Navigation: use the links below to view more comments.
first previous 1-20 ... 61-8081-100101-120 ... 161-162 next last
To: MrChips

Agreed.

I think the answer, sadly, is for the high risk/cost to be forced to the Medicaid situation if they aren’t covered by insurance. Same deal, basically, as happens to the elderly.

Either keep yourself covered when you need it, find a way to pay for it othewise—or become essentially a ward of the state.

To me that is the obvious answer, but I doubt the one the pols would go for.


81 posted on 11/12/2016 5:19:07 PM PST by 9YearLurker
[ Post Reply | Private Reply | To 40 | View Replies]

To: E. Pluribus Unum

Oh, Pearlswine, you pathetic fake journalist...Trump has more knowledge in his tiny hands than you have in your entire cranium.

Trump will destroy Obamacare


82 posted on 11/12/2016 5:20:10 PM PST by SoFloFreeper
[ Post Reply | Private Reply | To 1 | View Replies]

To: E. Pluribus Unum

Dad is going to make you get a job and move out of moms basement and get yer own insurance.

Trump is Dad.


83 posted on 11/12/2016 5:20:33 PM PST by right way right (May we remain sober over mere men, for God really is our one and only true hope.)
[ Post Reply | Private Reply | To 1 | View Replies]

To: 9YearLurker

It’s a better answer than forcing us all to become wards of state, and isn’t that what Obamacare has done to anyone who doesn’t have an employer-provided policy or got coverage outside the exchange? Even these are bearing some of the brunt of the cost, all policies have to be compliant whether bought on the exchange or outside of it.


84 posted on 11/12/2016 5:21:25 PM PST by RegulatorCountry
[ Post Reply | Private Reply | To 81 | View Replies]

To: MrChips
Insurance companies can determine what is and is not high risk and force them into the pool where the insurance offered is very expensive.

No they can't. It only applies to those first applying for coverage...and like if they're dying.

Those insured who become sick are not kick out into the HRP. That's how insurance works.

Do you want to be in the same car insurance risk pool as trucks, teenage boys and bad drivers?

85 posted on 11/12/2016 5:22:49 PM PST by ROCKLOBSTER (Crooked Hillary is Goin' down!)
[ Post Reply | Private Reply | To 40 | View Replies]

To: RegulatorCountry

There is zero reason to have a government-run “exchange”—aka web site—for insurance sales.


86 posted on 11/12/2016 5:23:09 PM PST by 9YearLurker
[ Post Reply | Private Reply | To 84 | View Replies]

To: DoodleDawg
orget the replacement part?

The "replacement part" allows individual market buying across state lines. To help those people in RAT states.

87 posted on 11/12/2016 5:24:44 PM PST by ROCKLOBSTER (Crooked Hillary is Goin' down!)
[ Post Reply | Private Reply | To 42 | View Replies]

To: 17th Miss Regt

My meds cost more than my premium.

That doesn’t take into account several Dr visits, labs, CT scans etc each year, nor the $150K for surgery and hospital stays last year.


88 posted on 11/12/2016 5:25:31 PM PST by digger48
[ Post Reply | Private Reply | To 7 | View Replies]

To: Hildy
Perhaps if the Republicans had done the smallest of things when they were in power we wouldn’t have had this whole mess.

They couldn't pass it because of the RATs, then Obama. Most states had it right anyway.

89 posted on 11/12/2016 5:27:24 PM PST by ROCKLOBSTER (Crooked Hillary is Goin' down!)
[ Post Reply | Private Reply | To 48 | View Replies]

To: goldstategop

Okay so in 2 years a person with catastrophic coverage gets some debilitating disease. At that point what happens? One time coverage and next year? In 4 years with bills running 200k a year? Either you find the premium to be 50k a year or you go without. Of course if you want to smooth out that bumpy road you could get an addendum on your catastrophic care where say your premiums can’t increase more than 10% a year. The question is how much more would that cost? Likely a double if not more because even if you’re paying 5000 a year for such coverage for a family of 4 and something requiring expensive long term care comes along the insurer could still be out millions.
I truly don’t see that as an effective solution. I’m not saying people shouldn’t have the right to get it but i don’t see it as a solution. All along i felt repeal was a longshot. They’ll have to implement something to replace it. It will end up being one step with both things happening, not 2.


90 posted on 11/12/2016 5:27:40 PM PST by wiggen (#JeSuisCharlie)
[ Post Reply | Private Reply | To 3 | View Replies]

To: ROCKLOBSTER
The "replacement part" allows individual market buying across state lines.

They can now, if the insurance company is approved to do business in their state. If the company isn't doing business in the state then why would someone want to buy a policy from them? And why would the insurance company want to sell one to them?

91 posted on 11/12/2016 5:28:20 PM PST by DoodleDawg
[ Post Reply | Private Reply | To 87 | View Replies]

To: plain talk

Insurance is everyone in that insurers pool paying for it.


92 posted on 11/12/2016 5:29:27 PM PST by wiggen (#JeSuisCharlie)
[ Post Reply | Private Reply | To 14 | View Replies]

To: MrChips

People are not houses.
*****************************

My point was about high risk pools, in case you missed it.


93 posted on 11/12/2016 5:30:12 PM PST by kara37
[ Post Reply | Private Reply | To 58 | View Replies]

To: wiggen

That’s correct — IF you buy the insurance and later find out you are sick. But that’s not what we are talking about. We are talking about buying the product AFTER you know you are sick. That’s my problem. I don’t like how people can game the system and make me pay for it.


94 posted on 11/12/2016 5:35:48 PM PST by plain talk
[ Post Reply | Private Reply | To 92 | View Replies]

To: DoodleDawg
In the past high-risk pools provided minimal, specific coverage with high deductibles and high premiums.

Maybe, but not all HRPs are created equal. In fact, maybe no two are alike, as they were created by the states.

In any case, non-HRP or HRP, in any kind of insurance, premiums are based on aggregate claims. So why wouldn't high claims individuals pay higher premiums?

The best model is one where the HRP population is around 1% of the total insured within a given state. ONE PERCENT.

Also in the best model, a premium surcharge of A FEW CENTS PER MONTH on any domestic policy, group, self insured, individual market...subsidized the reserves of the HRP.

"A few cents" blows the doors off of doubling and tripling the premium.

95 posted on 11/12/2016 5:36:09 PM PST by ROCKLOBSTER (Crooked Hillary is Goin' down!)
[ Post Reply | Private Reply | To 52 | View Replies]

To: 9422WMR
Kid until 26? That is so f’n insulting and ridiculous. What happened to our personal responsibilities?

That's all true and Whiskey Tango Foxtrot?

....but I don't see that it adds to cost.

96 posted on 11/12/2016 5:41:14 PM PST by ROCKLOBSTER (Crooked Hillary is Goin' down!)
[ Post Reply | Private Reply | To 54 | View Replies]

To: E. Pluribus Unum

Pre-existing conditions can be covered, and there were proposals for it that didn’t involve government takeover.


97 posted on 11/12/2016 5:43:09 PM PST by Tanniker Smith (Rome didn't fall in a day, either.)
[ Post Reply | Private Reply | To 1 | View Replies]

To: kara37

My point is that high risk pools are a bad idea.


98 posted on 11/12/2016 5:50:49 PM PST by MrChips (Ad sapientiam pertinet aeternarum rerum cognitio intellectualis - St. Augustine)
[ Post Reply | Private Reply | To 93 | View Replies]

To: E. Pluribus Unum

“I don’t want to pay for car insurance unless I have an accident, and I want the insurance to cover it retroactively.”

Sounds good to me!/s


99 posted on 11/12/2016 5:52:26 PM PST by dynachrome (When an empire dies, you are left with vast monuments in front of which peasants squat to defecate)
[ Post Reply | Private Reply | To 1 | View Replies]

To: 17th Miss Regt

Thank you

This is one fa series of articles by the MSM trying to make it look like Trump lied More MSM propagnada


100 posted on 11/12/2016 5:57:33 PM PST by khelus
[ Post Reply | Private Reply | To 7 | View Replies]


Navigation: use the links below to view more comments.
first previous 1-20 ... 61-8081-100101-120 ... 161-162 next last

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.

Free Republic
Browse · Search
News/Activism
Topics · Post Article

FreeRepublic, LLC, PO BOX 9771, FRESNO, CA 93794
FreeRepublic.com is powered by software copyright 2000-2008 John Robinson