So, I’m hearing…wait until the November elections kinda talk going on. What for? It’s funny, when the Republicans had the majorities they did nothing on health care. I don’t think they even brought the subject up. Now, for the past year or so when the Democrats were full steam ahead on the subject, the Republicans introduce some plans, ideas and so forth. Where were they way back when??? I bet now they wish they would have done something sooner.
Interesting that none of these same states complain about federal involvement when medicaid recipients turn 65 and move over to Medicare, and off the state’s books. That’s not a usurpation of state sovereignty. And its interesting that all these good state rights Republicans complain about this massive federal takeover of healthcare, but complain as loudly or louder that the federal government is not taking steps to decrease costs by interfering in the contract interests of private citizens or limiting the rights of litigants to receive various types of damages. They want their cake, the frosting, the frosting knife and the frosting and batter bowls to lick…
The Feds forced Medicaid onto the states so it’s just desserts when those receipients go to Medicare. It’s all a mess and the bottom line is; the feds never do anything right. Now you can look forward to more intrusions into your personal life choices and the IRS!!! LOL!
I think I will take a page out of the Republicans book and speak for the American People:
It is amazing to what lengths these knuckle head Republicans will go to score polical points. As a result of this bill the pre-exising condition exclusion is null and void. Eliminating that exclusion takes many people off medicaid. Result: Less cost to you and me. Do you really want to take that away from us (The American People)? The regulation allowing kids to stay on their parents’ plan until age 26 is just good sense. Please don’t mess with my kid’s wellbeing! If the knee-jerk crybabies out there take these two things away, let’s all remember them on election day. There are a lot of good people in bad straits who have no voice. Remember them too Mr. and Ms. Republican lawmaker when you say you are sticking up (or sticking it to) for the American People just so you can try and get elected again. Let’s also remember these people supposedly speaking for you and me have the best benefits money can buy…FOR LIFE!!!!
The main issue here is not health care. Rather, that it will set the stage for future gov’t intrusion.
This bill makes it a requirement that Americans buy something just for being alive.
Many have compared this to auto insurance, but they are way off. Driving is a privilege and if you want to drive, you must have insurance to do so. Seems the same, right? Nope, the gov’t is not forcing you to drive. That’s the difference.
If this passes, then what is to stop the gov’t from forcing us to buy something else?
I watched Fox News and CNN last night. If this goes to the supreme court, the bill will most likely be shot down or the court will require an amendment to remove the forced purchase clause.
Some are saying that the Dems will argue for a tax instead of a fine, but in reality it’s the same thing. So not only are they increasing your taxes, but they also want you to pay a fine if you don’t purchase insurance. If you can’t pay a fine, then they are going to charge you even more taxes.
Also, the IRS now has the authority to enforce this bill. They can refuse to give you your earned tax refund if you refuse to buy health insurance. Good job Dems!
The bill is appauling. The gov’t is corrupt and we need to vote out everyone who was a part of this bill.
Really, it makes good sense to keep children on their parents insurance until they are 26?
The kids should be out of their parents house when they are 18. This will simply further welfare.
Why not instead, we work on providing young men and women with the opportunity to provide for themselves. That way they can get a job and afford their own health insurance.
What a load of crud. Use your heads. Welfare breeds further welfare (at the cost of hard working Americans)
Pre-existing conditions in the P&C world: “Hello Insurance Company, my house is on fire and I would like to buy a policy now. Oh, and once we’re done, would you please connect me with someone in claims?”
Which regulator would approve that rate, you know, the rate for “Property In the Process of Being Destroyed” rate? Then there is that insignificant insurance principle called adverse selection.
“all these good state rights Republicans complain about this massive federal takeover of healthcare, but complain as loudly or louder that the federal government is not taking steps to decrease costs by interfering in the contract interests of private citizens or limiting the rights of litigants to receive various types of damages.”
Exscuse me, fool, but that is due to the fact that, as per the Constitution, the federal government runs the federal courts. That is the only way to address the situation. Are you really that lacking in general understanding of how this country works? Must be a leftist.
“Eliminating that exclusion takes many people off medicaid. Result: Less cost to you and me.” No it does not, fool. It takes those costs and now assigns them across qll our insurance premiums! Are you bereft of any economics training?
Thank you for proving, as if it still had to be proven, that one must be brain dead to be a national social democrat.
I am a Republican and I am actually on board w/ the Dems that we should not exclude pre-existing conditions.
I completely understand your point Thinker, but what about this…
– Don’t exclude pre-existing conditions, but make it mandatory, that if you have a pre-exisiting condition, you must have carried insurance for a year prior to being treated for that condition. This will (hopefully) lead people to purchase insurance before they need it (as opposite to your great analogy). Just a thought, my mother has a pre-existing condition.
“The regulation allowing kids to stay on their parents’ plan until age 26 is just good sense. Please don’t mess with my kid’s wellbeing!”
If your kid doesn’t have a paying job by age 26, then it is you that has messed with your kids wellbeing, as it seems you are bereft of parenting skills. If you have taught your kid that doing nothing at age 26 is appropriate, you ought to be charged by CPS.
See,t here you go. you think this plan was designed to improve our insurance situation. Unfortunately, this was in no way supposed to improve the lot of the American people. Otherwise, there would have been no money spent on the bill, but limits on lawsuits, with loser pays provisions. There would also have been a subsidized pool created for those with pre-existing conditions.
But, note, the leftists have stated flatly the isea here is to destroy insurance companies. Bernie Sanders, and a few others were actually honest about that fact. This is not being done to beneift any American citizen. This bill is nothing more than national social democrats creating a slush fund for their special interests, and a total power grab over every citizen of this country.
To support this bill, leftists are either too dumb to understand the consequences, or you are lying to us all. Which is it?
I’m not sure that requiring insurance for a year would be a good discriminator. Are you suggesting a one-year waiting period before benefits are available? What about someone who passes a physical, buys health insurance, and then gets ill less than a year after the purchase?
I like the idea of an assigned risk pool. Each of us has an obligation to handle our own insurance needs. If my car is stolen and I don’t have comprehensive coverage, I’m on the hook and I can’t blame anyone else – or look for a handout. If my health deteriorates and I am without insurance, how is that any different?
However, Americans are compassionate people. An assigned risk plan, with costs spread across the entire pool, would provide limited coverage without the government takeover.
The biggest problem is the government’s involvement and the solution is not more government.
If this is such a good bill, why is it that many of the provisions to get the uninsured insured do not kick in for years? Wasn’t that the whole purpose? Get the uninsured insurance as they apparently were dying in the streets due to lack of healthcare. Yet none of this kicks in until after the election cycle. The taxes on Cadillac plans does not kick in until after the next pres election. If this is all so wonderful and we need it so much, why do we not need it right now? Maybe because if these uninsured were suddenly forced to buy insurance, we will see the effects on the industry. The premium dollars will have to be raised to pay the increased costs associated with this bill. Free perventative care isn’t free, the doctors and hospitals still have to be reimbursed for the mammograms and physicals, colonoscopies, etc. To reimburse them you have to have premium dollars and to have enough premium dollars, someone has to pay. It is going to be you and me in terms of higher premiums so everyone gets covered. Anyone wan to bet on how many uninsured are going to rush out and buy policies? Especially when they can just go to the county hospital and get care for free. Too many supporting this bill think it is going to give them FREE care. Nothing is free, ultimately someone has to pay the bill.
I agree with you TxLady. Most of the benefits do not start until 2014. The enforcing the penalty does not start until 2016, and the IRS has stated that they do not have the manpower to enforce the penalty. The IRS has stated to Fox news that they would have to spend at least 3-5 billion to enforce this healthcare penalty. All I see is we are going to pay higher taxes both Federal and State.
Hey “don’t follow”…you state the obvious in getting kids on their parents health insurance. But, obviously you don’t have kids of that age yet. Your idealism on this issue shows you have no experience in raising young adults. Having a good health plan available – if needed – for a young adult just getting out of college is a good thing. My kid does not have his hand out, genius. Let’s wait until your kids get to that age and see what you are saying then. Get some life experiences first.
We will be paying higher taxes along with the penalties that come later, along with further taxes that will most likely be imposed by Obama to cover the huge hole they are currently making, and so on and so forth.
But hey, look at the bright side. At some point in the near future, no one will have to work… we will all get handouts from the gov’t. Welfare for all!
The repubs want us running around with our arms over our heads screaming “the sky is falling”.
The dems want us running around with our arms up screaming “we’re saved”.
I don’t think either side has it right, but I also think they are too busy infighting to get anything right at this point.
Pre-existing SHOULD be illegal. You could pay for your insurance for 10 years, but if you get seriously ill they can cancel you because you didn’t disclose you had a broken toe when you were 13. Or you could have cancer and lose your job. Just dig a grave and put your name on it because you’re not getting coverage. Did anyone on this board know that a child born with a cleft palate has a pre-existing condition? Before birth counts, too. After that 30 day automatic coverage, that child is no longer insurable. Most of us have insurance through employers. When you don’t it’s a whole new universe. Most of us don’t find that out until AFTER we lose our jobs.
OTOH, mandatory coverage will eliminate that sudden rush to buy a policy after a cancer diagnosis. Why is everyone fighting that? You have a car- you have insurance. You have a house- you have insurance. You’re not protecting yourselves, you’re protecting the rest of us from having to support you in the event you get hurt or sick. Those 20 something’s that are healthy have no idea when they will be shot, in a car accident, have a nasty fall, etc. Wracking up thousands that we – taxpayers- have to pay for in the form of higher medical bills and premiums. And those healthy 20somethings will be the first one in ER with a ruptured appendix DEMANDING free treatment. That we pay for.
And if a student is getting a phd they will be in school until 25 or 26. Keep them on the parents policy if the parent want to pay for it. Again, kid breaks an arm who will pay for it? Parents insurance, or the rest of us?
I’m seeing a lot of pointing fingers and yelling. I’m not seeing a lot of other answers. Tort is NOT the answer. Ask Ca, Fl, Texas, any other state that already has it. Professional Liability premiums dropped. Health Ins premiums are still exponentially climbing. 22%-39% in those states.
I’m all for kicking out illegals. NO free anything for them. But we have lovely amendment 14 that says their anchors get it all. So if their anchors are REQUIRED to buy insurance, that helps us, right? Soon as those freeloaders are adults they must cough up. And since amnesty seems to be on Pelosi’s agenda, wouldn’t you rather see them spend their money on insurance then US pay for free trips to ER? You think they’re going to willingly spend their money on premiums?
I don’t know enough about the student loan ‘takeover’ to voice an opinion. But the points I’m see here I have no problem with. An exchange- what’s wrong with that? What’s wrong with allowing all the agencies in one state to purchase insurance together? 1700 employees vs 17 employees should bring down premiums substantially.
Mikey. You seem very sure of your arguments. Why do you have to resort to name calling (leftist, dumb, fool, etc.). Maybe you really don’t know what you are talking about. My guess is that you have not had many life experiences to know what it is like to have to choose between paying your mortgage or medical bills, etc. Hopefully, everything will continue to work out for you. Remember, the people who disagree with you (and there are many) might just have a real experience that shapes their opinion. Lighten up a little.
You are right, I do not have kids of my own. In fact I am a 24 year old CL U/W. I graduated from college in 2007 and found this job in 2008. The whole time I was covered on my parents insurance.
I am one of those kids, except that I work for what I have and don’t live on my parent’s couch.
Not only was I covered under my parents policy the whole time, but I also had the option to buy health insurance through my employer (yes I worked through college and did not have a trust fund), and my college. Most colleges actually provide affordable health insurance and most of the premium is included in your tuition fee already.
Obviously I did my research. I had you pegged for the youngin you are. You don’t have kids and have no idea what you are talking about. You have had an easy life from day 1 and have no experiences to base your opinions on. Not sure where your anger comes from. If my kid cannot find a job when he is done with school, it’s comforting to know I can cover him until he finds that job. And it doesn’t cost YOU a thing. Save your anger for something that really affects you.
Did you listen to what I said? I was covered under my parents insurance. This already exists. I am covered on their insurance as long as I am a dependent (not anymore obviously) and going to school.
Lol, you are funny. I provided for myself, paid for my own college, insurance, and living expenses since I was 19. Except for the health insurance provided by my parents, I was completely self sufficient. And if their insurance wasn’t there… I would have had my own… or even not had any (because I’m young and haven’t really needed it).
And you are saying I have an easy life? Yeah maybe my parents are wonderful people and maybe they pressed good and moral ideals on me.
If your son can’t find a job or finish college, maybe it’s not their fault…
Your name suits you blindly, since you blindly follow the party line. I am a lot older than the other poster on this and I have a lot of experience. This bill does nothing to control costs, it will immensly add to them and give us no control over our own health care in the long run. You may choose to blindly swollow this garbage, I don’t. IT DOES NOT ADD UP.
Your orginal response to Amazing was that all kids should be off their parents plan by 18. That’s nice if it’s possible. But, S@@@ happens. Without actually being a parent, you have no life experience to back that up. I think the guy has an issue with you not having kids. You should quit while you are ahead (are you ahead?).
As a Mom of a college student, I commend you for paying your way through college. You have also landed a good job and have a career that will serve you will. Hard work does pay off and your parents should rightfully be proud of you. This bill is not my cup of tea and I am concerned that we will be far more in the hole than we are now. I do like the ability to have my children on my policy until they are 26 if need be. It is a safety net for me. It does not make them, deadbeats and it does not make me a bad parent. Let’s say junior takes a semester where he only needs 9 hours to graduate, guess what? That’s not full time status and under the current rules of our health ins, he’s no longer eligible to be covered. Or he graduates, and has a semester between graduating and starting grad school, this allows me to keep him covered. So try not to be as judgemental as some are being to you. I for one am thrilled to have someone with your high stanrdards starting out in insurance. Welcome to the industry! May your career be long and fruitful.
By the way, I am as Republican as they come.
Are you referring to if your child becomes disabled and can’t provide for themselves?
If so, then you have something there. That is something we should focus on to improve. Thankfully, they already have some programs to assist with that.
However, if you are referring to a child who turns 18, is not going to college and cannot find a job, which as result, cannot buy health insurance, then what options are there for that person?
1) They aren’t covered (not so bad since young. Life happens but the probability is much smaller)
2) They can’t find a job but have the merits to get one, but can’t since our economy sucks. Well let’s work on boosting the economy to provide more jobs.
3) They can’t find a job, maybe because they are lazy, don’t want to, have made poor decisions, and it is easier to mooch off mom and dad (Or they weren’t parented very well) Now, I have no solution for this… maybe the army?
Bottom line, we need to be providing the opportunity for our children (excuse me, your children) to provide for themselves.
We need to provide incentives for them to succeed on their own. By age 21 (not usING 18 since that struck a nerve) an individual should have to ability to provide for themselves in some way.
If at 21 and they are not contributing to society (unless disabled of course), why should they have access to best health care in the world?
WE ARE NOT A NATION OF ENTITLEMENT. WE ARE A NATION OF HARD WORK AND OPPORTUNITY.
Thanks, Dawn. You laid it all out and it totally makes sense. Unfortunately, no ones is listening because they are not concerned about what makes sense. They are concerned about me, me, me.
So, I’m hearing…wait until the November elections kinda talk going on. What for? It’s funny, when the Republicans had the majorities they did nothing on health care. I don’t think they even brought the subject up. Now, for the past year or so when the Democrats were full steam ahead on the subject, the Republicans introduce some plans, ideas and so forth. Where were they way back when??? I bet now they wish they would have done something sooner.
Interesting that none of these same states complain about federal involvement when medicaid recipients turn 65 and move over to Medicare, and off the state’s books. That’s not a usurpation of state sovereignty. And its interesting that all these good state rights Republicans complain about this massive federal takeover of healthcare, but complain as loudly or louder that the federal government is not taking steps to decrease costs by interfering in the contract interests of private citizens or limiting the rights of litigants to receive various types of damages. They want their cake, the frosting, the frosting knife and the frosting and batter bowls to lick…
The Feds forced Medicaid onto the states so it’s just desserts when those receipients go to Medicare. It’s all a mess and the bottom line is; the feds never do anything right. Now you can look forward to more intrusions into your personal life choices and the IRS!!! LOL!
I’m really ticked off about the tax on tanning services. There goes my George Hamilton look.
I think I will take a page out of the Republicans book and speak for the American People:
It is amazing to what lengths these knuckle head Republicans will go to score polical points. As a result of this bill the pre-exising condition exclusion is null and void. Eliminating that exclusion takes many people off medicaid. Result: Less cost to you and me. Do you really want to take that away from us (The American People)? The regulation allowing kids to stay on their parents’ plan until age 26 is just good sense. Please don’t mess with my kid’s wellbeing! If the knee-jerk crybabies out there take these two things away, let’s all remember them on election day. There are a lot of good people in bad straits who have no voice. Remember them too Mr. and Ms. Republican lawmaker when you say you are sticking up (or sticking it to) for the American People just so you can try and get elected again. Let’s also remember these people supposedly speaking for you and me have the best benefits money can buy…FOR LIFE!!!!
The main issue here is not health care. Rather, that it will set the stage for future gov’t intrusion.
This bill makes it a requirement that Americans buy something just for being alive.
Many have compared this to auto insurance, but they are way off. Driving is a privilege and if you want to drive, you must have insurance to do so. Seems the same, right? Nope, the gov’t is not forcing you to drive. That’s the difference.
If this passes, then what is to stop the gov’t from forcing us to buy something else?
I watched Fox News and CNN last night. If this goes to the supreme court, the bill will most likely be shot down or the court will require an amendment to remove the forced purchase clause.
Some are saying that the Dems will argue for a tax instead of a fine, but in reality it’s the same thing. So not only are they increasing your taxes, but they also want you to pay a fine if you don’t purchase insurance. If you can’t pay a fine, then they are going to charge you even more taxes.
Also, the IRS now has the authority to enforce this bill. They can refuse to give you your earned tax refund if you refuse to buy health insurance. Good job Dems!
The bill is appauling. The gov’t is corrupt and we need to vote out everyone who was a part of this bill.
Your response is hilarious.
Really, it makes good sense to keep children on their parents insurance until they are 26?
The kids should be out of their parents house when they are 18. This will simply further welfare.
Why not instead, we work on providing young men and women with the opportunity to provide for themselves. That way they can get a job and afford their own health insurance.
What a load of crud. Use your heads. Welfare breeds further welfare (at the cost of hard working Americans)
Pre-existing conditions in the P&C world: “Hello Insurance Company, my house is on fire and I would like to buy a policy now. Oh, and once we’re done, would you please connect me with someone in claims?”
Which regulator would approve that rate, you know, the rate for “Property In the Process of Being Destroyed” rate? Then there is that insignificant insurance principle called adverse selection.
“all these good state rights Republicans complain about this massive federal takeover of healthcare, but complain as loudly or louder that the federal government is not taking steps to decrease costs by interfering in the contract interests of private citizens or limiting the rights of litigants to receive various types of damages.”
Exscuse me, fool, but that is due to the fact that, as per the Constitution, the federal government runs the federal courts. That is the only way to address the situation. Are you really that lacking in general understanding of how this country works? Must be a leftist.
“Eliminating that exclusion takes many people off medicaid. Result: Less cost to you and me.” No it does not, fool. It takes those costs and now assigns them across qll our insurance premiums! Are you bereft of any economics training?
Thank you for proving, as if it still had to be proven, that one must be brain dead to be a national social democrat.
I am a Republican and I am actually on board w/ the Dems that we should not exclude pre-existing conditions.
I completely understand your point Thinker, but what about this…
– Don’t exclude pre-existing conditions, but make it mandatory, that if you have a pre-exisiting condition, you must have carried insurance for a year prior to being treated for that condition. This will (hopefully) lead people to purchase insurance before they need it (as opposite to your great analogy). Just a thought, my mother has a pre-existing condition.
“The regulation allowing kids to stay on their parents’ plan until age 26 is just good sense. Please don’t mess with my kid’s wellbeing!”
If your kid doesn’t have a paying job by age 26, then it is you that has messed with your kids wellbeing, as it seems you are bereft of parenting skills. If you have taught your kid that doing nothing at age 26 is appropriate, you ought to be charged by CPS.
Typical national social democrat.
See,t here you go. you think this plan was designed to improve our insurance situation. Unfortunately, this was in no way supposed to improve the lot of the American people. Otherwise, there would have been no money spent on the bill, but limits on lawsuits, with loser pays provisions. There would also have been a subsidized pool created for those with pre-existing conditions.
But, note, the leftists have stated flatly the isea here is to destroy insurance companies. Bernie Sanders, and a few others were actually honest about that fact. This is not being done to beneift any American citizen. This bill is nothing more than national social democrats creating a slush fund for their special interests, and a total power grab over every citizen of this country.
To support this bill, leftists are either too dumb to understand the consequences, or you are lying to us all. Which is it?
Another step toward the “People’s Republic of Obama”!
Thanks for the comments.
I’m not sure that requiring insurance for a year would be a good discriminator. Are you suggesting a one-year waiting period before benefits are available? What about someone who passes a physical, buys health insurance, and then gets ill less than a year after the purchase?
I like the idea of an assigned risk pool. Each of us has an obligation to handle our own insurance needs. If my car is stolen and I don’t have comprehensive coverage, I’m on the hook and I can’t blame anyone else – or look for a handout. If my health deteriorates and I am without insurance, how is that any different?
However, Americans are compassionate people. An assigned risk plan, with costs spread across the entire pool, would provide limited coverage without the government takeover.
The biggest problem is the government’s involvement and the solution is not more government.
If this is such a good bill, why is it that many of the provisions to get the uninsured insured do not kick in for years? Wasn’t that the whole purpose? Get the uninsured insurance as they apparently were dying in the streets due to lack of healthcare. Yet none of this kicks in until after the election cycle. The taxes on Cadillac plans does not kick in until after the next pres election. If this is all so wonderful and we need it so much, why do we not need it right now? Maybe because if these uninsured were suddenly forced to buy insurance, we will see the effects on the industry. The premium dollars will have to be raised to pay the increased costs associated with this bill. Free perventative care isn’t free, the doctors and hospitals still have to be reimbursed for the mammograms and physicals, colonoscopies, etc. To reimburse them you have to have premium dollars and to have enough premium dollars, someone has to pay. It is going to be you and me in terms of higher premiums so everyone gets covered. Anyone wan to bet on how many uninsured are going to rush out and buy policies? Especially when they can just go to the county hospital and get care for free. Too many supporting this bill think it is going to give them FREE care. Nothing is free, ultimately someone has to pay the bill.
C’mon, Dick Blumenthal…this is the perfect photo opp for you!! Wouldn’t you know that when we really do need him, he’s nowhere in sight…..
Yeah the pre-existing condition issue is complicated.
I like that idea too! A risk pool is another great idea.
I agree with you TxLady. Most of the benefits do not start until 2014. The enforcing the penalty does not start until 2016, and the IRS has stated that they do not have the manpower to enforce the penalty. The IRS has stated to Fox news that they would have to spend at least 3-5 billion to enforce this healthcare penalty. All I see is we are going to pay higher taxes both Federal and State.
Hey “don’t follow”…you state the obvious in getting kids on their parents health insurance. But, obviously you don’t have kids of that age yet. Your idealism on this issue shows you have no experience in raising young adults. Having a good health plan available – if needed – for a young adult just getting out of college is a good thing. My kid does not have his hand out, genius. Let’s wait until your kids get to that age and see what you are saying then. Get some life experiences first.
We will be paying higher taxes along with the penalties that come later, along with further taxes that will most likely be imposed by Obama to cover the huge hole they are currently making, and so on and so forth.
But hey, look at the bright side. At some point in the near future, no one will have to work… we will all get handouts from the gov’t. Welfare for all!
The repubs want us running around with our arms over our heads screaming “the sky is falling”.
The dems want us running around with our arms up screaming “we’re saved”.
I don’t think either side has it right, but I also think they are too busy infighting to get anything right at this point.
Pre-existing SHOULD be illegal. You could pay for your insurance for 10 years, but if you get seriously ill they can cancel you because you didn’t disclose you had a broken toe when you were 13. Or you could have cancer and lose your job. Just dig a grave and put your name on it because you’re not getting coverage. Did anyone on this board know that a child born with a cleft palate has a pre-existing condition? Before birth counts, too. After that 30 day automatic coverage, that child is no longer insurable. Most of us have insurance through employers. When you don’t it’s a whole new universe. Most of us don’t find that out until AFTER we lose our jobs.
OTOH, mandatory coverage will eliminate that sudden rush to buy a policy after a cancer diagnosis. Why is everyone fighting that? You have a car- you have insurance. You have a house- you have insurance. You’re not protecting yourselves, you’re protecting the rest of us from having to support you in the event you get hurt or sick. Those 20 something’s that are healthy have no idea when they will be shot, in a car accident, have a nasty fall, etc. Wracking up thousands that we – taxpayers- have to pay for in the form of higher medical bills and premiums. And those healthy 20somethings will be the first one in ER with a ruptured appendix DEMANDING free treatment. That we pay for.
And if a student is getting a phd they will be in school until 25 or 26. Keep them on the parents policy if the parent want to pay for it. Again, kid breaks an arm who will pay for it? Parents insurance, or the rest of us?
I’m seeing a lot of pointing fingers and yelling. I’m not seeing a lot of other answers. Tort is NOT the answer. Ask Ca, Fl, Texas, any other state that already has it. Professional Liability premiums dropped. Health Ins premiums are still exponentially climbing. 22%-39% in those states.
I’m all for kicking out illegals. NO free anything for them. But we have lovely amendment 14 that says their anchors get it all. So if their anchors are REQUIRED to buy insurance, that helps us, right? Soon as those freeloaders are adults they must cough up. And since amnesty seems to be on Pelosi’s agenda, wouldn’t you rather see them spend their money on insurance then US pay for free trips to ER? You think they’re going to willingly spend their money on premiums?
I don’t know enough about the student loan ‘takeover’ to voice an opinion. But the points I’m see here I have no problem with. An exchange- what’s wrong with that? What’s wrong with allowing all the agencies in one state to purchase insurance together? 1700 employees vs 17 employees should bring down premiums substantially.
Mikey. You seem very sure of your arguments. Why do you have to resort to name calling (leftist, dumb, fool, etc.). Maybe you really don’t know what you are talking about. My guess is that you have not had many life experiences to know what it is like to have to choose between paying your mortgage or medical bills, etc. Hopefully, everything will continue to work out for you. Remember, the people who disagree with you (and there are many) might just have a real experience that shapes their opinion. Lighten up a little.
You are right, I do not have kids of my own. In fact I am a 24 year old CL U/W. I graduated from college in 2007 and found this job in 2008. The whole time I was covered on my parents insurance.
I am one of those kids, except that I work for what I have and don’t live on my parent’s couch.
Not only was I covered under my parents policy the whole time, but I also had the option to buy health insurance through my employer (yes I worked through college and did not have a trust fund), and my college. Most colleges actually provide affordable health insurance and most of the premium is included in your tuition fee already.
Please do your research before you post again.
Obviously I did my research. I had you pegged for the youngin you are. You don’t have kids and have no idea what you are talking about. You have had an easy life from day 1 and have no experiences to base your opinions on. Not sure where your anger comes from. If my kid cannot find a job when he is done with school, it’s comforting to know I can cover him until he finds that job. And it doesn’t cost YOU a thing. Save your anger for something that really affects you.
Did you listen to what I said? I was covered under my parents insurance. This already exists. I am covered on their insurance as long as I am a dependent (not anymore obviously) and going to school.
Lol, you are funny. I provided for myself, paid for my own college, insurance, and living expenses since I was 19. Except for the health insurance provided by my parents, I was completely self sufficient. And if their insurance wasn’t there… I would have had my own… or even not had any (because I’m young and haven’t really needed it).
And you are saying I have an easy life? Yeah maybe my parents are wonderful people and maybe they pressed good and moral ideals on me.
If your son can’t find a job or finish college, maybe it’s not their fault…
Your name suits you blindly, since you blindly follow the party line. I am a lot older than the other poster on this and I have a lot of experience. This bill does nothing to control costs, it will immensly add to them and give us no control over our own health care in the long run. You may choose to blindly swollow this garbage, I don’t. IT DOES NOT ADD UP.
Maybe if the Fed didnt tax us so much and states got those taxes we wouldnt need any funding from the Feds.
STATES WILL ALL GO BROKE UNDER OBAMA WHO WANTS THE COLLAPSE OF THE ECONOMY TO MOVE TO A TOTAL SOCIALIST SOCIETY. (SOCIAL JUSTICE)
READ- CLOWARD AND PIVEN! GOOGLE IT!
Your orginal response to Amazing was that all kids should be off their parents plan by 18. That’s nice if it’s possible. But, S@@@ happens. Without actually being a parent, you have no life experience to back that up. I think the guy has an issue with you not having kids. You should quit while you are ahead (are you ahead?).
As a Mom of a college student, I commend you for paying your way through college. You have also landed a good job and have a career that will serve you will. Hard work does pay off and your parents should rightfully be proud of you. This bill is not my cup of tea and I am concerned that we will be far more in the hole than we are now. I do like the ability to have my children on my policy until they are 26 if need be. It is a safety net for me. It does not make them, deadbeats and it does not make me a bad parent. Let’s say junior takes a semester where he only needs 9 hours to graduate, guess what? That’s not full time status and under the current rules of our health ins, he’s no longer eligible to be covered. Or he graduates, and has a semester between graduating and starting grad school, this allows me to keep him covered. So try not to be as judgemental as some are being to you. I for one am thrilled to have someone with your high stanrdards starting out in insurance. Welcome to the industry! May your career be long and fruitful.
By the way, I am as Republican as they come.
What “S@@@” you are referring to?
Are you referring to if your child becomes disabled and can’t provide for themselves?
If so, then you have something there. That is something we should focus on to improve. Thankfully, they already have some programs to assist with that.
However, if you are referring to a child who turns 18, is not going to college and cannot find a job, which as result, cannot buy health insurance, then what options are there for that person?
1) They aren’t covered (not so bad since young. Life happens but the probability is much smaller)
2) They can’t find a job but have the merits to get one, but can’t since our economy sucks. Well let’s work on boosting the economy to provide more jobs.
3) They can’t find a job, maybe because they are lazy, don’t want to, have made poor decisions, and it is easier to mooch off mom and dad (Or they weren’t parented very well) Now, I have no solution for this… maybe the army?
Bottom line, we need to be providing the opportunity for our children (excuse me, your children) to provide for themselves.
We need to provide incentives for them to succeed on their own. By age 21 (not usING 18 since that struck a nerve) an individual should have to ability to provide for themselves in some way.
If at 21 and they are not contributing to society (unless disabled of course), why should they have access to best health care in the world?
WE ARE NOT A NATION OF ENTITLEMENT. WE ARE A NATION OF HARD WORK AND OPPORTUNITY.
All my opinion of course.
Hi Txlady. I appreciate what you said. Great example to counter my argument.
I was looking at it from only one side and had no idea about that. Now that someone (you) has offered an alternative example, it makes more sense.
Thanks also for the warm welcome into the industry!
Thanks, Dawn. You laid it all out and it totally makes sense. Unfortunately, no ones is listening because they are not concerned about what makes sense. They are concerned about me, me, me.