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 ...
I’ve been on federally funded healthcare nearly my whole life with a short break in the 1990’s. I was a military dependent as a child, then I joined the military and then I was a disabled veteran. My wife is now on ChampVA.
Everyone thats lazy will inflate their diagnosis to get in the soon-to-be broke plan.
>>Like it or hate it, IMO this necessary. Chronically ill, high maintenance patients need to be extracted from the general population in terms of insurance coverage.<<
I theoretically am one of them and agree completely. I have a few health issues but they are under control with meds + lifestyle (exercise and the like).
I had two heart attacks but the last one was about 7 years ago and everything looks fine.
I guess the question would be: who is on the list and how do you get off it?
First, let the states handle it. There is no reason for doing this at the federal level.
Second, “pre-existing conditions and critical illnesses” will eventually cover hangnails, birth control for horny college students, and sex changes, and we will be pumping ten trillion into this thing.
Finally, the only people who will really benefit will be politically connected minority groups and illegal aliens. Productive citizens can apply and wait until they drop dead. Kind of like veterans.
That is the political reality and all the good intentions in the world won’t change it.
This is not only insane, it is unconstitutional. I guess that latter aspect is no longer up for debate.
The massive immigration (legal) of the unskilled and illiterate who cannot afford any insurance premiums is going to be a road block to any remedy.
And your point is???
If the chronically ill have no ins they will go on Medicaid. You will then foot all the bill. Medicare which they pre paid in taxes takes in a lot of the elderly, but a lot of younger people have chronic diseases, and many are made worse or given a new disease by crap FDA approved drugs. Half my health issues are caused by FDA approved drugs, they left permanent un-repairable health conditions.
Are you going to leave them NO health care ins, but to go on Medicaid? High risk pool make sense. Have you tried living on $500 SS a month at today’s prices?
My BIL has MD it is genetic and his younger brother has a milder form of it. We found him a used motorized wheel chair that just needed a new charging cable and batteries cheap. It was a $5K chair when new. But that mini electric/gas car they have won’t take a wheel chair ramp, nor can they build a wheel chair ramp on their home on the side of a large hill they call it living on the side of a Mountain, yeah it’s part of the Smokey Mountains but it is really a huge hill. When Pigeon Forge burned, my sister lost her job and health ins for them. Approaching 60 with no skills but cleaning motel rooms, who is going to hire her?
I agree.
Amazon creating 5,000 part-time, work-from-home jobs in its Virtual Customer Service program
http://www.freerepublic.com/focus/f-bloggers/3541796/posts
Does everything have to have a point? I was just relating my experience with health insurance.
Yup - a major Illness like cancer would bankrupt people. Insurance is a pyramid scheme. These people need help but not off everyone’s back. Deflect them off to whole different pool and away from regular people.
Rates and deductibles are too high which makes current situation unacceptable. Oh Joy, CNN can say I am insured, but it is a joke. I skip going to the doctor. My knee hurts like heck, but even with insurance I can’t afford to fix it.
My kids all work 2-3 part time jobs, as employers can’t afford insurance either. They work part time, they ride on my insurance in case someone bad happens.
The admin headache is crazy. We need law suit reform too. My son went 2 weeks with a broken wrist from back yard football. He did not want to deal with co-pays etc. it did not get better and he caved in. Then we got slammed with paperwork as the Insurance company wanted to be sure it was not a car accident or happened at a school event. Our luck they played pick up football at the HS field on Black Friday. Took 90 days to get the Insurance to finally pay up while we got collection notices from Doctor.
1982 I had a total ankle reconstruction surgery, hospital and 3 months in a cast. No co-pays. No employee share out of your paycheck for insurance. Can we get back to good old days?
What happened?
1992 my daughter was born premature and the insurance company paid $85,000 for 7 weeks in the hospital. I paid like a $10 copy for a doctor visit back then. Their was an employee share for insurance but 3-4 plans offered You picked deductible levels, clinic vs. Doctor thing depending on your situation. Health savings tax deferred accounts for maintenance drugs.
I favor a health exam (not my DNA) where my blood pressure, weight, body mass, cholesterol, smoking, drug screen to determine insurance level. Healthy life style should be rewarded.
It is like car insurance. A drunk with a Ferrari vs. safe driver in a Corrola
My employer started the health screenings where you got a “discount” so they could claim insurance did not go up. Then they even required it for wives.
What happened to Heal insurance in 30 years? The population got older? Lawsuits went nuts? Admin headache went nuts? I have noticed that even though population went up 25-30% in past 30 years. But the number of medical doctor buildings in my part of town is crazy. Have medical specialities ortho, demetology exploded? Have we created more illnesses to be treated?
As Fog Horn Leghorn said - “something here just doesn’t add up”
It is outrageous, racketeering, and a national disgrace.
It would be a simple thing to make it illegal for insurance companies (and medicare) to set prices for folks who don't have or choose to use insurance. That is a cheap change ... no new bureaucracy.
Right now there is no free market, no level playing field. That change, along with removing the mandate and allowing the purchase of only catastrophic coverage, and I believe we'd be well on the way to correcting the system.
That would be the very first thing I'd do.
Minnesota had this before Obamacare.. and we just passed it again...
Ok just wasn’t sure what you were trying to say.
I’m in a similar boat and wonder how they will determine pre-existing conditions - a checklist or self-reporting? So then I wonder if they will expand MCaid to include the pre-existing condition patients who are not poverty-stricken. Who knows.
the solution is at fixhc.org from Karl denninger.
Return medicine to a capitalist system by enforcing antitrust law, and up front single rate pricing, so competition returns....
I (strongly) disagree.
Strongly.
That said, I know I am in a minority on this website, including the site owner. So I am always ready to say, I respect his view, and like this website (a lot).
But I respectfully say, I think it is very important, for us to carefully protect and defend, those who cannot get coverage in other ways.
We are the most affluent country in the world.
It is INEXCUSABLE that there are Americans, who are not covered.
That is just inexcusable, in my view.
“If the chronically ill have no ins they will go on Medicaid.”
This is ridiculous.
First of all, I am not chronically ill but I can’t get regular health insurance.
Second of all,
I don’t qualify for Medicaid. And if I become chronically ill..I still won’t qualify for Medicaid.
If true, how tone deaf are they ?
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