(10-18-2016 04:46 PM)Fo Shizzle Wrote:  

(10-18-2016 04:38 PM)dawgitall Wrote:  

(10-18-2016 04:32 PM)Fo Shizzle Wrote:  

(10-18-2016 02:11 PM)Tom in Lazybrook Wrote:  Again, BCBS of NC has huge reserves and paid its execs huge payouts. So this is something that can be fixed by regulation.

Why not competition instead of regulation? Why is it instantly people look for MORE government every damn time something goes wrong. Oh... and we all know...the government caused this mess in the first place.

Had the NCGA set up a state exchange and accepted expanded Medicaid we would have had more competition in the marketplace.

To some extent... yes. Im not sure to the extent needed. If we had not set up this horrible system in the first place and went more towards a Bismark type paradigm...we would not be having this discussion either. One bad piece of legislation led to another. We should just scrap this mess and get it right. The ACA is unfixable as another governmental ponzi scheme. Like SS...it depends upon the young people of the nation to prop up the old. Mark my word. Hillary will not fix this broken piece of crap. Even her husband has said it is horrible.

I think it can be fixed and I think it is better than it was pre ACA. For all the negatives one thing that can't be disputed is that the uninsured rate is lower than it has ever been. We will just have to see if fixes can be put in place to make it work better. I don't disagree with what Bill said. He pointed out the biggest problems, but they can be addressed. We can't IMHO scrap it and start over.

(10-18-2016 04:53 PM)dawgitall Wrote:  

(10-18-2016 04:46 PM)Fo Shizzle Wrote:  

(10-18-2016 04:38 PM)dawgitall Wrote:  

(10-18-2016 04:32 PM)Fo Shizzle Wrote:  

(10-18-2016 02:11 PM)Tom in Lazybrook Wrote:  Again, BCBS of NC has huge reserves and paid its execs huge payouts. So this is something that can be fixed by regulation.

Why not competition instead of regulation? Why is it instantly people look for MORE government every damn time something goes wrong. Oh... and we all know...the government caused this mess in the first place.

Had the NCGA set up a state exchange and accepted expanded Medicaid we would have had more competition in the marketplace.

To some extent... yes. Im not sure to the extent needed. If we had not set up this horrible system in the first place and went more towards a Bismark type paradigm...we would not be having this discussion either. One bad piece of legislation led to another. We should just scrap this mess and get it right. The ACA is unfixable as another governmental ponzi scheme. Like SS...it depends upon the young people of the nation to prop up the old. Mark my word. Hillary will not fix this broken piece of crap. Even her husband has said it is horrible.

I think it can be fixed and I think it is better than it was pre ACA. For all the negatives one thing that can't be disputed is that the uninsured rate is lower than it has ever been. We will just have to see if fixes can be put in place to make it work better. I don't disagree with what Bill said. He pointed out the biggest problems, but they can be addressed. We can't IMHO scrap it and start over.

Billions upon billions upon billions upon billions upon billions upon billions to move the % a few points is a laughable argument for the law.

It's been a debacle it is a debacle and it will remain a debacle..... all predictable

Sent from my SAMSUNG-SM-G935A using Tapatalk

(10-18-2016 04:53 PM)dawgitall Wrote:  

(10-18-2016 04:46 PM)Fo Shizzle Wrote:  

(10-18-2016 04:38 PM)dawgitall Wrote:  

(10-18-2016 04:32 PM)Fo Shizzle Wrote:  

(10-18-2016 02:11 PM)Tom in Lazybrook Wrote:  Again, BCBS of NC has huge reserves and paid its execs huge payouts. So this is something that can be fixed by regulation.

Why not competition instead of regulation? Why is it instantly people look for MORE government every damn time something goes wrong. Oh... and we all know...the government caused this mess in the first place.

Had the NCGA set up a state exchange and accepted expanded Medicaid we would have had more competition in the marketplace.

To some extent... yes. Im not sure to the extent needed. If we had not set up this horrible system in the first place and went more towards a Bismark type paradigm...we would not be having this discussion either. One bad piece of legislation led to another. We should just scrap this mess and get it right. The ACA is unfixable as another governmental ponzi scheme. Like SS...it depends upon the young people of the nation to prop up the old. Mark my word. Hillary will not fix this broken piece of crap. Even her husband has said it is horrible.

I think it can be fixed and I think it is better than it was pre ACA. For all the negatives one thing that can't be disputed is that the uninsured rate is lower than it has ever been. We will just have to see if fixes can be put in place to make it work better. I don't disagree with what Bill said. He pointed out the biggest problems, but they can be addressed. We can't IMHO scrap it and start over.

If a guy making 30k a year has insurance with a 6k deductible before it pays a dime is he really insured?

That's like saying we have no more homeless because we built a bunch of shantes for them all to live in.

(10-18-2016 04:49 PM)JMUDunk Wrote:  

(10-18-2016 04:38 PM)dawgitall Wrote:  

(10-18-2016 04:32 PM)Fo Shizzle Wrote:  

(10-18-2016 02:11 PM)Tom in Lazybrook Wrote:  Again, BCBS of NC has huge reserves and paid its execs huge payouts. So this is something that can be fixed by regulation.

Why not competition instead of regulation? Why is it instantly people look for MORE government every damn time something goes wrong. Oh... and we all know...the government caused this mess in the first place.

Had the NCGA set up a state exchange and accepted expanded Medicaid we would have had more competition in the marketplace.

They were smart not to take the bait and switch. Short term cash for long term financial ruin. The zerOcare act will bring more States, more quickly, to the brink of bankruptcy than anything else some of these idiots have done in the past.

Ask the Peoples Republic of Minnesota if you don't believe me.

Yep. Smart smart move

(10-18-2016 06:18 PM)solohawks Wrote:  

(10-18-2016 04:53 PM)dawgitall Wrote:  

(10-18-2016 04:46 PM)Fo Shizzle Wrote:  

(10-18-2016 04:38 PM)dawgitall Wrote:  

(10-18-2016 04:32 PM)Fo Shizzle Wrote:  Why not competition instead of regulation? Why is it instantly people look for MORE government every damn time something goes wrong. Oh... and we all know...the government caused this mess in the first place.

Had the NCGA set up a state exchange and accepted expanded Medicaid we would have had more competition in the marketplace.

To some extent... yes. Im not sure to the extent needed. If we had not set up this horrible system in the first place and went more towards a Bismark type paradigm...we would not be having this discussion either. One bad piece of legislation led to another. We should just scrap this mess and get it right. The ACA is unfixable as another governmental ponzi scheme. Like SS...it depends upon the young people of the nation to prop up the old. Mark my word. Hillary will not fix this broken piece of crap. Even her husband has said it is horrible.

I think it can be fixed and I think it is better than it was pre ACA. For all the negatives one thing that can't be disputed is that the uninsured rate is lower than it has ever been. We will just have to see if fixes can be put in place to make it work better. I don't disagree with what Bill said. He pointed out the biggest problems, but they can be addressed. We can't IMHO scrap it and start over.

If a guy making 30k a year has insurance with a 6k deductible before it pays a dime is he really insured?

That's like saying we have no more homeless because we built a bunch of shantes for them all to live in.

Yes, he is. And that's one of the huge problems with this garbage.

These idjits continue to confuse health INSURANCE with health CARE.

So yea, so the guy has a nice new shiny policy that he was forced, by law, to obtain. Problem is he can't use it. Great. Just freaking great.

Why not similarly force everyone to go buy a motorboat to prop up the motorboat industry, even if the people buying them can't afford the fuel to use the damn thing? Course their lives may not depend on that motorboat working...

Rely on the stupidity of the American people.

(10-18-2016 06:18 PM)solohawks Wrote:  

(10-18-2016 04:53 PM)dawgitall Wrote:  

(10-18-2016 04:46 PM)Fo Shizzle Wrote:  

(10-18-2016 04:38 PM)dawgitall Wrote:  

(10-18-2016 04:32 PM)Fo Shizzle Wrote:  Why not competition instead of regulation? Why is it instantly people look for MORE government every damn time something goes wrong. Oh... and we all know...the government caused this mess in the first place.

Had the NCGA set up a state exchange and accepted expanded Medicaid we would have had more competition in the marketplace.

To some extent... yes. Im not sure to the extent needed. If we had not set up this horrible system in the first place and went more towards a Bismark type paradigm...we would not be having this discussion either. One bad piece of legislation led to another. We should just scrap this mess and get it right. The ACA is unfixable as another governmental ponzi scheme. Like SS...it depends upon the young people of the nation to prop up the old. Mark my word. Hillary will not fix this broken piece of crap. Even her husband has said it is horrible.

I think it can be fixed and I think it is better than it was pre ACA. For all the negatives one thing that can't be disputed is that the uninsured rate is lower than it has ever been. We will just have to see if fixes can be put in place to make it work better. I don't disagree with what Bill said. He pointed out the biggest problems, but they can be addressed. We can't IMHO scrap it and start over.

If a guy making 30k a year has insurance with a 6k deductible before it pays a dime is he really insured?

That's like saying we have no more homeless because we built a bunch of shantes for them all to live in.

That is an exaggeration. Most policies don't have 6k deductibles, 30k would most likely qualify one for the tax credits that would lower premiums. The problem is more about older high earners.

(10-18-2016 04:38 PM)dawgitall Wrote:  

(10-18-2016 04:32 PM)Fo Shizzle Wrote:  

(10-18-2016 02:11 PM)Tom in Lazybrook Wrote:  Again, BCBS of NC has huge reserves and paid its execs huge payouts. So this is something that can be fixed by regulation.

Why not competition instead of regulation? Why is it instantly people look for MORE government every damn time something goes wrong. Oh... and we all know...the government caused this mess in the first place.

Had the NCGA set up a state exchange and accepted expanded Medicaid we would have had more competition in the marketplace.

BCBS doesn't compete with Medicaid, plus have you seen how many state exchanges have crapped out. Are any still solvent?

(10-18-2016 06:54 PM)dawgitall Wrote:  

(10-18-2016 06:18 PM)solohawks Wrote:  

(10-18-2016 04:53 PM)dawgitall Wrote:  

(10-18-2016 04:46 PM)Fo Shizzle Wrote:  

(10-18-2016 04:38 PM)dawgitall Wrote:  Had the NCGA set up a state exchange and accepted expanded Medicaid we would have had more competition in the marketplace.

To some extent... yes. Im not sure to the extent needed. If we had not set up this horrible system in the first place and went more towards a Bismark type paradigm...we would not be having this discussion either. One bad piece of legislation led to another. We should just scrap this mess and get it right. The ACA is unfixable as another governmental ponzi scheme. Like SS...it depends upon the young people of the nation to prop up the old. Mark my word. Hillary will not fix this broken piece of crap. Even her husband has said it is horrible.

I think it can be fixed and I think it is better than it was pre ACA. For all the negatives one thing that can't be disputed is that the uninsured rate is lower than it has ever been. We will just have to see if fixes can be put in place to make it work better. I don't disagree with what Bill said. He pointed out the biggest problems, but they can be addressed. We can't IMHO scrap it and start over.

If a guy making 30k a year has insurance with a 6k deductible before it pays a dime is he really insured?

That's like saying we have no more homeless because we built a bunch of shantes for them all to live in.

That is an exaggeration. Most policies don't have 6k deductibles, 30k would most likely qualify one for the tax credits that would lower premiums. The problem is more about older high earners.

Silver plans have a $3k deductible and bronze plans are around $5600. They are the two most popular plans. Silver plans make up 70% of the exchange market.

http://www.nationalreview.com/article/43...e-anything

(10-18-2016 07:32 PM)dfarr Wrote:  

(10-18-2016 06:54 PM)dawgitall Wrote:  

(10-18-2016 06:18 PM)solohawks Wrote:  

(10-18-2016 04:53 PM)dawgitall Wrote:  

(10-18-2016 04:46 PM)Fo Shizzle Wrote:  To some extent... yes. Im not sure to the extent needed. If we had not set up this horrible system in the first place and went more towards a Bismark type paradigm...we would not be having this discussion either. One bad piece of legislation led to another. We should just scrap this mess and get it right. The ACA is unfixable as another governmental ponzi scheme. Like SS...it depends upon the young people of the nation to prop up the old. Mark my word. Hillary will not fix this broken piece of crap. Even her husband has said it is horrible.

I think it can be fixed and I think it is better than it was pre ACA. For all the negatives one thing that can't be disputed is that the uninsured rate is lower than it has ever been. We will just have to see if fixes can be put in place to make it work better. I don't disagree with what Bill said. He pointed out the biggest problems, but they can be addressed. We can't IMHO scrap it and start over.

If a guy making 30k a year has insurance with a 6k deductible before it pays a dime is he really insured?

That's like saying we have no more homeless because we built a bunch of shantes for them all to live in.

That is an exaggeration. Most policies don't have 6k deductibles, 30k would most likely qualify one for the tax credits that would lower premiums. The problem is more about older high earners.

Silver plans have a $3k deductible and bronze plans are around $5600. They are the two most popular plans. Silver plans make up 70% of the exchange market.

http://www.nationalreview.com/article/43...e-anything

3k is half of 6k.

(10-18-2016 07:25 PM)dfarr Wrote:  

(10-18-2016 04:38 PM)dawgitall Wrote:  

(10-18-2016 04:32 PM)Fo Shizzle Wrote:  

(10-18-2016 02:11 PM)Tom in Lazybrook Wrote:  Again, BCBS of NC has huge reserves and paid its execs huge payouts. So this is something that can be fixed by regulation.

Why not competition instead of regulation? Why is it instantly people look for MORE government every damn time something goes wrong. Oh... and we all know...the government caused this mess in the first place.

Had the NCGA set up a state exchange and accepted expanded Medicaid we would have had more competition in the marketplace.

BCBS doesn't compete with Medicaid, plus have you seen how many state exchanges have crapped out. Are any still solvent?

Medicaid expansion moves some currently on the market off the market. They include a high percentage of heavy users. It makes a difference.

(10-18-2016 06:54 PM)dawgitall Wrote:  

(10-18-2016 06:18 PM)solohawks Wrote:  

(10-18-2016 04:53 PM)dawgitall Wrote:  

(10-18-2016 04:46 PM)Fo Shizzle Wrote:  

(10-18-2016 04:38 PM)dawgitall Wrote:  Had the NCGA set up a state exchange and accepted expanded Medicaid we would have had more competition in the marketplace.

To some extent... yes. Im not sure to the extent needed. If we had not set up this horrible system in the first place and went more towards a Bismark type paradigm...we would not be having this discussion either. One bad piece of legislation led to another. We should just scrap this mess and get it right. The ACA is unfixable as another governmental ponzi scheme. Like SS...it depends upon the young people of the nation to prop up the old. Mark my word. Hillary will not fix this broken piece of crap. Even her husband has said it is horrible.

I think it can be fixed and I think it is better than it was pre ACA. For all the negatives one thing that can't be disputed is that the uninsured rate is lower than it has ever been. We will just have to see if fixes can be put in place to make it work better. I don't disagree with what Bill said. He pointed out the biggest problems, but they can be addressed. We can't IMHO scrap it and start over.

If a guy making 30k a year has insurance with a 6k deductible before it pays a dime is he really insured?

That's like saying we have no more homeless because we built a bunch of shantes for them all to live in.

That is an exaggeration. Most policies don't have 6k deductibles, 30k would most likely qualify one for the tax credits that would lower premiums. The problem is more about older high earners.

My buddy lost his job and had to go on Obama care. The numbers I quoted were real life for him as I helped him through the process. Feel free to tell him it was an exaggeration, I'm sure he would appreciate it

Sorry if I seem to be short but this is the third time this month a liberal on this board has made a false claim about me so I'm a bit irritated

(10-18-2016 07:51 PM)dawgitall Wrote:  

(10-18-2016 07:25 PM)dfarr Wrote:  

(10-18-2016 04:38 PM)dawgitall Wrote:  

(10-18-2016 04:32 PM)Fo Shizzle Wrote:  

(10-18-2016 02:11 PM)Tom in Lazybrook Wrote:  Again, BCBS of NC has huge reserves and paid its execs huge payouts. So this is something that can be fixed by regulation.

Why not competition instead of regulation? Why is it instantly people look for MORE government every damn time something goes wrong. Oh... and we all know...the government caused this mess in the first place.

Had the NCGA set up a state exchange and accepted expanded Medicaid we would have had more competition in the marketplace.

BCBS doesn't compete with Medicaid, plus have you seen how many state exchanges have crapped out. Are any still solvent?

Medicaid expansion moves some currently on the market off the market. They include a high percentage of heavy users. It makes a difference.

Wonderful. So your plan is to make it where I not only have to pay an outrageous amount to pay for a compliant policy that costs more yet covers less than what I had before the Abominable Care Act I also have to fork out more to the state to pay for even more for somebody else's coverage. It's essentially having a dependent without being to claim them.

http://www.wsj.com/articles/rate-increas...1476822335

…Market leaders that are continuing to sell coverage through HealthCare.gov or a state equivalent have been granted average premium increases of 30% or more in Alabama, Delaware, Hawaii, Kansas, Mississippi and Texas, according to information published by state regulators and on a federal site designed to highlight rate increases of 10% or more.

In states including Arizona, Illinois, Montana, Oklahoma, Pennsylvania and Tennessee, the approved rate increases for the market leader top 50%. In New Mexico, the Blue Cross Blue Shield plan agreed to resume selling plans through the online exchanges after sitting out last year, but has been allowed to increase rates 93% on their 2015 level. …

At least Sally Strothers used to promise a letter from your beneficiary once a month. These recipients just burn their neighborhoods up and don't say thank you.

(10-18-2016 04:53 PM)dawgitall Wrote:  

(10-18-2016 04:46 PM)Fo Shizzle Wrote:  

(10-18-2016 04:38 PM)dawgitall Wrote:  

(10-18-2016 04:32 PM)Fo Shizzle Wrote:  

(10-18-2016 02:11 PM)Tom in Lazybrook Wrote:  Again, BCBS of NC has huge reserves and paid its execs huge payouts. So this is something that can be fixed by regulation.

Why not competition instead of regulation? Why is it instantly people look for MORE government every damn time something goes wrong. Oh... and we all know...the government caused this mess in the first place.

Had the NCGA set up a state exchange and accepted expanded Medicaid we would have had more competition in the marketplace.

To some extent... yes. Im not sure to the extent needed. If we had not set up this horrible system in the first place and went more towards a Bismark type paradigm...we would not be having this discussion either. One bad piece of legislation led to another. We should just scrap this mess and get it right. The ACA is unfixable as another governmental ponzi scheme. Like SS...it depends upon the young people of the nation to prop up the old. Mark my word. Hillary will not fix this broken piece of crap. Even her husband has said it is horrible.

I think it can be fixed and I think it is better than it was pre ACA. For all the negatives one thing that can't be disputed is that the uninsured rate is lower than it has ever been. We will just have to see if fixes can be put in place to make it work better. I don't disagree with what Bill said. He pointed out the biggest problems, but they can be addressed. We can't IMHO scrap it and start over.

When you can justify that my wife and I have an outlay for insurance of almost $19,000 per year for a 5k deductible plan?....get back to me. Pre ACA....just a tick less than 1/2 of that amount. It has done absolutely zero to improve my health care. Id submit actually it has hurt my health care since I lost my original doctor that I had for 20 years. It is an unmitigated disaster for the majority of Americans that do not get a welfare handout to pay for their insurance. Even those that get the subsidy are not thrilled with the high costs. Many of them openly say they would rather just go to the ER or pay the doctor out of their pocket like before and deal with the bill later instead of being forced to pay monthly premiums. Ill be interested to see what "fix" Queen Zero has in mind. Count me extremely skeptical that anything she does will impact ME one iota. I am not her voting block. I expect the "fix" in fact will probably fck me deeper and harder.

ObamaCare has been an absolute disaster. I'll won't go back to the US until (if) that is sorted out.

Obamacare's impact on the middle class is indefensible. It's been catastrophic for millions of families. It is just that simple.

Just got my insurance renewal info. Luckily, my plan is only increasing 10%.

(10-19-2016 08:23 AM)HeartOfDixie Wrote:  Obamacare's impact on the middle class is indefensible. It's been catastrophic for millions of families. It is just that simple.

Depends on the goal. If the goal of Obamacare is to redistribute wealth and bring the middle class down, it has been a success.

I asked this question in another Obamacare thread but I don't think I got an answer.

Many on this forum have suggested a distinct difference between health care and health insurance.

If Obamacare ( the affordable health care act) is a law that is supposed to make health care more affordable, what does an increase on health insurance have to do with it?