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Increasing health insurance premiums.

You voted???
Well. You can’t be kicked of your coverage. No cap and you children can stay on your plan until 26.
All good things.
You need to read with more of an open mind.

I am not ignorant to the ACA. I simply wanted to know which protections you were referring to.

Do you think these mandated protections should require those in good health to pay much more than their risk demands?

Because these protections caused the healthy to have their premiums go up substantially. I know. I am one of them.

Our health insurance system is a joke in many ways. The ACA simply traded one bad aspect of our system prior for another.

I am glad that we got rid of the mandate. I do think we need a system to protect those whose health would ordinarily cause them to be kicked off of private insurance. I like the children on your plan until 26.

By far, my biggest beef was the fact that prior to the ACA, my family and I had our own indiividual policy that was about a 5th of what I pay now. The plan I had didnt meet all the 'protections' the ACA required, reproductive ones in particular, so my policy vaporized. Then the new ACA policy that met all these protections was no longer rated for my family's good health.

I think those in good health should benefit from it. Those in bad health should have a safety net. I think we need all of the above available so people can purchase what they want depending on what their individuals needs are.

This is a VERY complex question. What we do for a health system.
 
You voted???
Well. You can’t be kicked of your coverage. No cap and you children can stay on your plan until 26.
All good things.
You're insane if you think keeping someone up to age 26 on your insurance is a good idea, that in itself is one of the reasons premiums are going up so fast. RFK Jr is the best thing to happen for anyone who is tired of health insurance premiums going up.
 
You need to read with more of an open mind.

I am not ignorant to the ACA. I simply wanted to know which protections you were referring to.

Do you think these mandated protections should require those in good health to pay much more than their risk demands?

Because these protections caused the healthy to have their premiums go up substantially. I know. I am one of them.

Our health insurance system is a joke in many ways. The ACA simply traded one bad aspect of our system prior for another.

I am glad that we got rid of the mandate. I do think we need a system to protect those whose health would ordinarily cause them to be kicked off of private insurance. I like the children on your plan until 26.

By far, my biggest beef was the fact that prior to the ACA, my family and I had our own indiividual policy that was about a 5th of what I pay now. The plan I had didnt meet all the 'protections' the ACA required, reproductive ones in particular, so my policy vaporized. Then the new ACA policy that met all these protections was no longer rated for my family's good health.

I think those in good health should benefit from it. Those in bad health should have a safety net. I think we need all of the above available so people can purchase what they want depending on what their individuals needs are.

This is a VERY complex question. What we do for a health system.
You explained it very well, the ACA actually backfired on most Americans who ended up with higher insurance rates and worse coverage all through the courtesy of Barack Hussein Obama.
 
You need to read with more of an open mind.

I am not ignorant to the ACA. I simply wanted to know which protections you were referring to.

Do you think these mandated protections should require those in good health to pay much more than their risk demands?

Because these protections caused the healthy to have their premiums go up substantially. I know. I am one of them.

Our health insurance system is a joke in many ways. The ACA simply traded one bad aspect of our system prior for another.

I am glad that we got rid of the mandate. I do think we need a system to protect those whose health would ordinarily cause them to be kicked off of private insurance. I like the children on your plan until 26.

By far, my biggest beef was the fact that prior to the ACA, my family and I had our own indiividual policy that was about a 5th of what I pay now. The plan I had didnt meet all the 'protections' the ACA required, reproductive ones in particular, so my policy vaporized. Then the new ACA policy that met all these protections was no longer rated for my family's good health.

I think those in good health should benefit from it. Those in bad health should have a safety net. I think we need all of the above available so people can purchase what they want depending on what their individuals needs are.

This is a VERY complex question. What we do for a health system.
OMFG. MAGA brain.

Just so effing stupid. This type of "thinking" if you can even call it that is a big part of how we've gotten to where we are as a country. As long as I'm in good health why do I have to pay anything into the common pool that includes unhealthy people! I'm in good health I should benefit from it! I'm NEVER going to be unhealthy, what a ripoff!$!!
 
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You explained it very well, the ACA actually backfired on most Americans who ended up with higher insurance rates and worse coverage all through the courtesy of Barack Hussein Obama.
Why didn’t trumpy change it then between 2016-2020? He said he would have a far better plan but did nothing like usual. Wonder how his concept of a plan is coming?
 
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I am 100% confident the bloated leviathan that created this mess will certainly find a way to fix it, especially in the hyper-partisan state they currently find themselves in. Yay, government!

Since the early 1900s, medical special interests have been lobbying politicians to reduce competition. By the 1980s, the U.S. was restricting the supply of physicians, hospitals, insurance and pharmaceuticals, while subsidizing demand. Since then, the U.S. has been trying to control high costs by moving toward something perhaps best described by the House Budget Committee: “In too many areas of the economy — especially energy, housing, finance, and health care — free enterprise has given way to government control in “partnership” with a few large or politically well-connected companies” (Ryan 2012). The following are past major laws and other policies implemented by the Federal and state governments that have interfered with the health care marketplace (HHS 2013):

  • In 1910, the physician oligopoly was started during the Republican administration of William Taft after the American Medical Association lobbied the states to strengthen the regulation of medical licensure and allow their state AMA offices to oversee the closure or merger of nearly half of medical schools and also the reduction of class sizes. The states have been subsidizing the education of the number of doctors recommended by the AMA.
  • In 1925, prescription drug monopolies begun after the federal government led by Republican President Calvin Coolidge started allowing the patenting of drugs. (Drug monopolies have also been promoted by government research and development subsidies targeted to favored pharmaceutical companies.)
  • In 1945, buyer monopolization begun after the McCarran-Ferguson Act led by the Roosevelt Administration exempted the business of medical insurance from most federal regulation, including antitrust laws. (States have also more recently contributed to the monopolization by requiring health care plans to meet standards for coverage.)
  • In 1946, institutional provider monopolization begun after favored hospitals received federal subsidies (matching grants and loans) provided under the Hospital Survey and Construction Act passed during the Truman Administration. (States have also been exempting non-profit hospitals from antitrust laws.)
  • In 1951, employers started to become the dominant third-party insurance buyer during the Truman Administration after the Internal Revenue Service declared group premiums tax-deductible.
  • In 1965, nationalization was started with a government buyer monopoly after the Johnson Administration led passage of Medicare and Medicaid which provided health insurance for the elderly and poor, respectively.
  • In 1972, institutional provider monopolization was strengthened after the Nixon Administration started restricting the supply of hospitals by requiring federal certificate-of-need for the construction of medical facilities.
  • In 1974, buyer monopolization was strengthened during the Nixon Administration after the Employee Retirement Income Security Act exempted employee health benefit plans offered by large employers (e.g., HMOs) from state regulations and lawsuits (e.g., brought by people denied coverage).
  • In 1984, prescription drug monopolies were strengthened during the Reagan Administration after the Drug Price Competition and Patent Term Restoration Act permitted the extension of patents beyond 20 years. (The government has also allowed pharmaceuticals companies to bribe physicians to prescribe more expensive drugs.)
  • In 2003, prescription drug monopolies were strengthened during the Bush Administration after the Medicare Prescription Drug, Improvement, and Modernization Act provided subsidies to the elderly for drugs.
  • In 2014, nationalization will be strengthened after the Patient Protection and Affordable Care Act of 2010 (“Obamacare”) provided mandates, subsidies and insurance exchanges, and the expansion of Medicaid. (mises.org)
 
By far, my biggest beef was the fact that prior to the ACA, my family and I had our own indiividual policy that was about a 5th of what I pay now. The plan I had didnt meet all the 'protections' the ACA required, reproductive ones in particular

That's because it wasn't actual "insurance".
And any catastrophic health issue would have likely bankrupted you.

Details are important on this topic, and past "insurance" plans have been anything but that, if you dig into the fine print.
 
Strategy?
Yes; that is a strategy.
A good one, for some people.

In fact, most healthy people, HSA or not, should probably carry a Bronze-level higher deductible plan (if they have funds to cover a worst case deductible). Copays are mostly a mirage, as negotiated rates for most stuff aren't a ton more than your copay, anyway.
 

Ozempic is driving up the cost of your health care, whether you can get your hands on it or not​


To improve access to weight-loss drugs, many businesses would have to pay even more — and health-care costs are already reaching a post-pandemic high, with employers and employees set to shell out significantly more for coverage in 2025, according to WTW, a consulting firm formerly known as Willis Towers Watson. U.S. employers project their health-care costs will increase by 7.7% in 2025, compared with 6.9% in 2024 and 6.5% in 2023.

Preventative medicine (common sense eating), not poisoning your body, natural medicines and older treatments can be so much better.
 
Yes; that is a strategy.
A good one, for some people.

In fact, most healthy people, HSA or not, should probably carry a Bronze-level higher deductible plan (if they have funds to cover a worst case deductible). Copays are mostly a mirage, as negotiated rates for most stuff aren't a ton more than your copay, anyway.
No, healthy people making good choices should get much better rates. And yes, co pays are a mirage.
 
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