We already have a great distribution system, it is called the “agency system”. We work tirelessly on behalf of our clients. We take all the risks of business, expenses and on average many of us make less than government workers. The people who initiated the Obamacare (ACA)will go down as the dumbest, most arrogant people in American History. This is going to be a disaster. Few people realize that people in our country who do not have insurance have better medical care than those in the socialist countries. I know, I have worked in England and you are better off here being uninsured than deluding yourself into thinking the state will take care of you.
Lou, They passed this turkey with the promise that it would bring healthcare costs down. The evidence is mounting daily that the cost is likely to double within a few short years. Companies are not stupid and know they will be picking up a lot of PreX people with lots of conditions they have to pay for. Another thing that will happen is that people will pay the tax penalty for not having coverage and won’t get it until they get sick and then we will be stuck with adverse selection and it will be full of sick people. Doctors are leaving their practices so we will be left with Nurse Practioners and PA’s to give Healthcare services. Boy, that sure sounds like a plan. England is the model we are adopting. They are broke, laying of healthcare workers and put the seniors on the pathway to death if they get sick.
The evidence has been mounting that healthcare costs were doubling for many individuals on an annual basis. Doubling within a few short years is better than what has been happening, where employers have been taking on less of a burden of insurance costs and passing it onto their employees. Back in the early 2000, I was paying only $80 a month for a family of 4 for health insurance. By 2004, I was paying 3 times that amount working for the same employer (private industry). And now, while I’m paying twice that working for a state government agency, I have to pay significantly more out of pocket than I had to then. The economy has certainly had an effect slowing down those costs, but once the economy gets back fully on track, they will go back up significantly. But, more people paying into the health insurance system will help slow them down from what it would be otherwise.
It’s not the complete solution though, because it doesn’t address the actual health care costs themselves. It only helps hold down the costs of paying them. What they need to work on is bringing more transparency into the health care side itself (the hospitals, doctors, and pharmaceuticals), creating competition, which could help lower those costs, because people shouldn’t be paying $5 for 2 Tylenols.
And not to take away from the admirable job that many agents do, most individuals in the health insurance market don’t have true access to the “agency system”. They rely on their employers accessing the agency system. So, to me, that doesn’t make it a great distribution system if many of the participants in the system don’t have any control over it. Furthermore, the people that do have the control over it don’t have the same interests or priorities that most of the participants do. The employers’ main interests are in keeping the costs as low as possible, while most of the participants’ interests are in getting the best care for themselves as possible.
Too bad that most individuals can barely afford what “the agency system” is selling and have to do without or go to the ER for their primary care. No criticism of the agency system here but individual health insurance is a non-starter for many people. If people are lucky enough to work for a company that provides health insurance, I don’t recall obamacare putting an end to that. The people who initiated the ACA are not as dumb and arrogant as you say. Maybe there are people who feel it’s time for other people to be able to choose between paying their mortgage or paying for healthcare or using the ER as their doctor. You really think those without insurance have better care than those in England or with insurance? Are you saying this with a strait face or do you play the comedy clubs on weekends? If you feel that way, why don’t you cancel your insurance policy and see how it goes for you when you get a cronic medical condition. Let’s see you manage diabetes type I and then pay for insulin, syringes, blood testing strips, doctor visits, blood tests, etc….Those without insurance do not get that stufff automatically and their quality of life is much less than those with health care.
Your response is typical of the “chicken littles” out there who predict failure, but offer no alternative solutions.
We already have a great distribution system, it is called the “agency system”. We work tirelessly on behalf of our clients. We take all the risks of business, expenses and on average many of us make less than government workers. The people who initiated the Obamacare (ACA)will go down as the dumbest, most arrogant people in American History. This is going to be a disaster. Few people realize that people in our country who do not have insurance have better medical care than those in the socialist countries. I know, I have worked in England and you are better off here being uninsured than deluding yourself into thinking the state will take care of you.
Lou, They passed this turkey with the promise that it would bring healthcare costs down. The evidence is mounting daily that the cost is likely to double within a few short years. Companies are not stupid and know they will be picking up a lot of PreX people with lots of conditions they have to pay for. Another thing that will happen is that people will pay the tax penalty for not having coverage and won’t get it until they get sick and then we will be stuck with adverse selection and it will be full of sick people. Doctors are leaving their practices so we will be left with Nurse Practioners and PA’s to give Healthcare services. Boy, that sure sounds like a plan. England is the model we are adopting. They are broke, laying of healthcare workers and put the seniors on the pathway to death if they get sick.
The evidence has been mounting that healthcare costs were doubling for many individuals on an annual basis. Doubling within a few short years is better than what has been happening, where employers have been taking on less of a burden of insurance costs and passing it onto their employees. Back in the early 2000, I was paying only $80 a month for a family of 4 for health insurance. By 2004, I was paying 3 times that amount working for the same employer (private industry). And now, while I’m paying twice that working for a state government agency, I have to pay significantly more out of pocket than I had to then. The economy has certainly had an effect slowing down those costs, but once the economy gets back fully on track, they will go back up significantly. But, more people paying into the health insurance system will help slow them down from what it would be otherwise.
It’s not the complete solution though, because it doesn’t address the actual health care costs themselves. It only helps hold down the costs of paying them. What they need to work on is bringing more transparency into the health care side itself (the hospitals, doctors, and pharmaceuticals), creating competition, which could help lower those costs, because people shouldn’t be paying $5 for 2 Tylenols.
And not to take away from the admirable job that many agents do, most individuals in the health insurance market don’t have true access to the “agency system”. They rely on their employers accessing the agency system. So, to me, that doesn’t make it a great distribution system if many of the participants in the system don’t have any control over it. Furthermore, the people that do have the control over it don’t have the same interests or priorities that most of the participants do. The employers’ main interests are in keeping the costs as low as possible, while most of the participants’ interests are in getting the best care for themselves as possible.
Too bad that most individuals can barely afford what “the agency system” is selling and have to do without or go to the ER for their primary care. No criticism of the agency system here but individual health insurance is a non-starter for many people. If people are lucky enough to work for a company that provides health insurance, I don’t recall obamacare putting an end to that. The people who initiated the ACA are not as dumb and arrogant as you say. Maybe there are people who feel it’s time for other people to be able to choose between paying their mortgage or paying for healthcare or using the ER as their doctor. You really think those without insurance have better care than those in England or with insurance? Are you saying this with a strait face or do you play the comedy clubs on weekends? If you feel that way, why don’t you cancel your insurance policy and see how it goes for you when you get a cronic medical condition. Let’s see you manage diabetes type I and then pay for insulin, syringes, blood testing strips, doctor visits, blood tests, etc….Those without insurance do not get that stufff automatically and their quality of life is much less than those with health care.
Your response is typical of the “chicken littles” out there who predict failure, but offer no alternative solutions.
Get a clue, Lou.