|
Obamacare not getting the young people they need to sign up
http://www.cnbc.com/id/101351858?__s...are%20is%20set
It has become clear that the penalties intended to incentivize individuals to obtain coverage are too small to motivate participation. This made engaging healthy individuals tantamount to creating a sustainable program. Aetna could be forced out of Obamacare http://www.cnbc.com/id/101354183 Waiting for the guys that think I must have got this off Fox, LOL, being that both links are from MSNBC |
The enrollment period isn't over yet. Young invincibles usually will wait until the last minute. Besides what do you expect? The ACA already gave those under 26 free coverage under their parent's plan.
|
This is the exact problem Obamacare is trying to address - Younger people under the age of thirty who believe they are healthy and do not need healthcare... The big hurdle is trying to explain to a twenty-three year old that they has to pay for medical insurance when he is working two crappy fast food jobs and barely being able to make ends meet.
Obamacare isn't the end all solution. It's a start that will be changed over the next few years. However, because of people like you Vendzilla, this will take a lot longer than required. Instead of bitching constantly, we need discussion - we need new ideas about what needs to be fixed. Instead of trying to fix the problem. Rebublicans are making it worse by fighting it. I must admit I am disappointed by Obamacare, the process, and a lot of issues with it. I am still not signed up, and in fact my wife has no lost her healthcare. (Her healthcare wasn't cut because of Obamacare but we decided it was cheaper for us to get our healthcare together outside of her employer, so we dropped her insurance... But haven't been able to sign up yet). There are problems. We need to fix them, not bitch like little children. |
Quote:
I dont want it, dont need and dont even live in the US the majority of the year yet sadly I will end up having the pay the penalty for the time being and Im certain I will never get that back. |
Quote:
It must be your own fault and only happen to people that bring it on themselves. Sound familiar? |
Quote:
|
Quote:
|
I'm all for healthcare insurance that makes sense, this doesn't, but then again, they never read it
|
Quote:
But it seems the only way the Democrats who passed this partisan abortion could buy the votes of the poor and people with pre-existing conditions is to force everybody else to subsidize their insurance. I saw on CNN more companies are dumping workers onto the exchanges, I think 2014 is going to be an interesting election year. Vote them ALL out regardless of party |
Obama will get his single payer :2 cents: If you got stocks in Aetna time to sell :thumbsup
|
fyi guys, insurance has always been subsidized by the healthier in the insurance pools. senoir citizens are the most subsidized historically, their medical costs are 6x more than others but their premiums are not 6x higher.
|
Fuck Obamacare its a Bullshit scam to make insurance companies richer.
|
Quote:
The entire system relies on it. Since insurance carriers are now not able to turn people down who have pre-existing conditions. and they can't put life long caps and cut people who use their insurance, their profits will fall. They need the influx of healthy people who are paying, but not using to cover those. It is just like social security. Those who are in their 20's are paying for those who are retired. In theory, when those 20 somethings retire the new 20 somethings will be paying for them. If you don't force people to buy then what will happen is people who are healthy won't buy it until they fall off their bike and break their leg. Then the hospital will sign them up as they check in and they will keep the insurance long enough to cover the expenses of their broken leg then drop it again. I don't feel great about the mandatory, but at its core it is forcing people to be responsible for themselves. Now, all that said, I think Obamacare is doomed to fail as it is now structured. The penalties for not signing up are not stiff enough to get some people to sign up. There are many republican controlled states that are not expanding their medicaid programs or taking the money from the feds to pay for medicaid expansion so the poor in those states are still not getting help and it does absolutely nothing to help curb the ever rising cost of healthcare. As the prices continue to go up eventually we will hit a breaking point. The problem is, like Rochard said, our leaders aren't interested in fixing the coming problem they are more interested in getting what they want and proving their point. |
forget it...why do i waste my time in these threads...
|
Quote:
|
Quote:
|
Quote:
But when the Federal government takes the power unto itself to compel you to participate and decides how much you can afford to pay is when I have a problem with it. What's next? I'm a little overweight so is mandatory health club membership with attendance quotas in my future? Laugh now but when the ACA was being discussed I thought a Federal law that forced me to buy something I didn't want could never happen in the USA. :( |
Quote:
I hear what you are saying. I'm not sure it's entirely accurate re: those with pre-existing conditions who have simply been denied access to the healthcare system, regardless of being able to afford the insurance. |
Quote:
Say you decide you don't want to pay for health insurance. Maybe you have on illnesses and you are a healthy person so you will rarely, if ever us it. In the event that something does happen, like you get hurt or very sick, are you financially in a position to pay cash for whatever healthcare you may need? |
Quote:
|
THE SKY IS FALLING __ NO! |
Quote:
FYI, I'm legally obligated to buy insurance now, just like everybody else. |
Quote:
No, no, the government needed to address THAT problem of pre-existing conditions being denied. And I'm sure it could have been done without re-insuring every person in the country. . |
Quote:
One law would do it: it's against the law to deny coverage due to pre-existing conditions. problem solved. |
Quote:
|
Quote:
Finding a solution to the insurance companies "pre-existing" excuse would have to be easier that starting an entire national healthcare program from scratch and pissing off the large amount of people already insured. Hey, I also can now get insurance, pre-existing conditions as well. But I personally know a dozen that lost company insurance and are now on their own. |
Quote:
|
We're still seeing the same trend. HR has been putting out all the required information to the employees and no one seems to care. Not a single new applicant to our group health policy. Now, I am not complaining..because for the company this is a good thing.
We meet the standard for the policy we must provide yet most of the people aren't going to take it. |
Quote:
So the government could force these companies to accept people with pre-existing conditions, but unless they put some kind of pricing structure in place there is nothing keeping the insurance companies from just cranking the rates up so high nobody with pre-existing conditions can afford it. |
Quote:
Some states had already started high-risk pools for people that had problems getting insurance, that could have been expanded with some Federal assistance without turning the entire system on it's head, it would have been a good place to start. Quote:
I don't make a lot but I put some away for the future every month because someday I'm going to be too old to work. If I buy the stupidly overpriced mandated insurance then my monthly retirement savings will have to stop or at the very least be sharply reduced, I just don't make enough money to cover both every month. So let's say I have a 1 in 100 chance of getting cancer or something else catastrophic, I have a 99 in 100 chance of getting old and having to stop work someday, which makes more sense financially? Rolling the dice as far as getting sick or betting on the near certainty that I'm going to get old? Life has always been a crapshoot, that was what catastrophic insurance was for, but now you can no longer get that kind of coverage. I'm a middle-aged unmarried man who under the aca now has to carry maternity coverage :1orglaugh If I get sick I guess I pay for it like my parents and grandparents did, since I can no longer get the catastrophic coverage that was designed for situations like that. I already cover all my heathcare cost out of my pocket for my diabetes, high blood pressure and high cholesterol and have those all pretty well under control. But under the aca I will still cover all those costs PLUS pay an additional $7800 per year for insurance with a $5000 deductible that will most likely never be met. How can that make sense to anybody? Quote:
I honestly believe that it's insurance itself that has been one the causes of the huge increases in healthcare costs, people no longer have to worry about how expensive a procedure or a device is they just say "do it" Nobody in the business of supplying healthcare hardware or services is going to even try to keep costs down or offer any kind of bargain for their products or services in that kind of situation, they are going to charge as much as they possibly can since the end-used isn't responsible for paying for it, and the insurer who is paying for it can just raise everybody's premiums a little to keep their profits up. I worked for a time in an injection molding plant where they made a few parts for medical devices, you would not believe how much money they made off of those parts simply because the were "medical" items even though the manufacturing methods were identical to the methods used to make window thermometers and windshield wiper parts. |
Quote:
being insulin dependent for ~35 years, and all of the medical issues that brings, I would prolly have saved over that time if I had coverage. My monthly nut for med expenses would make most people nauseous. Hell, test strips are almost $1 each, I test my blood sometimes 10x a day. + syringes, + insulin (I use 3 different types of insulin a day, 1 of them is $275 a vial, I go through 2+ vials of that a month). Then there's the doctors and the required lab work they need/demand. |
Quote:
One of the major problems I have with Obamacare is that you can't have just catastrophic covered after a certain age. The real shame, to me, is that healthcare is so expensive that the average person may have to choose between saving for retirement and just hoping nothing happens on their way there or buying health insurance, but not having money saved for retirement. I guess the point I was trying to make with my previous post is that the idea of Obamacare is to get make it so everyone has coverage. So that if you do get sick or hurt you don't end up bankrupt and passing the cost on to other people. Sadly, the system seems to have a big hole in it. If you make very little you get free health insurance (so long as you live in the right state) and if you make a lot you can afford to buy it no problem. If you are in the middle you may miss the subsides and not have any real, affordable options. |
Quote:
Now that isn't happening. My catastrophic policy was canceled because I am too old for it, but I was able to buy regular insurance for about $60 per month more that is actually pretty damn good. In the end Obamacare has worked for me. But I can see where it doesn't for others and it still does nothing to lower the overall cost of healthcare. |
Quote:
|
I don't see how they are ever gonna get the target demographic of "young" people.
Not only do young people not need insurance to go to the doctor (because they are generally healthier than older people)...but the law itself sabotaged the whole thing. Why would a young person EVER buy insurance when the law itself says that they can stay on Mommy & Daddy's insurance until they are 26 years old? That had to be the DUMBEST thing ever if your goal is to get millions of young people to enroll in order to pay for older people. Typical dumbass govt. stupidity. Anyone with an ounce of common sense can see that it isn't going to work the way it was sold to the American People. "Affordable" Health Care Act? Yeah...my insurance just jumped to $880 for my family of 3. Thanks U.S. Govt.! |
Quote:
Every US citizen should be bitching. Not just the 70% that don't want obamacare. |
Quote:
Quote:
I was a sick child (asthma as well) and was in and out of hospitals for years, my parents didn't have insurance and my father was trying to build his farming business at the time so it was a squeeze at times but they paid all of it, they would never have even considered that it was somebody else's responsibility to help pay for my care. I'll never understand how anybody would think it's anybody else's responsibility outside of the family involved, but I guess that's why I've never been a member of the Democratic Party. You guys are lucky in one way though... the aca is actually helping you so I can understand how you can be a bit ambivalent about the mandate and the other downsides to the law. But look at it from my standpoint. Under the aca my healthcare costs have gone from less than $2000 per year paying for my treatments and medications myself, to almost $10,000 per year for a combination of premiums plus still also having to pay for my treatments myself because of the $5000 deductible. You guys are 2 of the winners in this, you now have insurance to cover your care, and believe it or not I think that's a good thing. I just happen to be one of the ones that's feels he's getting fucked. |
"Obamacare not getting the young people they need to sign up"?
We are at: http://www.FakeHospital.com |
Quote:
Obviously the Right decided to not accept the expansion in order to try and make Obamacare fail. In the process they have cost tax payers in their states more money and even cost many the chance to get insurance. People can bitch and moan all they want about Obamacare, but at least the left is trying to come up with a solution to bring insurance to everyone. Meanwhile the right just plays party politics and has attempted to do nothing to help sort out the problems. The right is only interested in making things more difficult and their idea of insurance is "don't get sick if you aren't rich". |
crockett...are you seriously suggesting that the latest Obama failure is somehow the fault of Republicans?
Good grief! Sweet Baby Jesus Obama can do no wrong! It's ALWAYS somebody else's fault. heh-heh |
| All times are GMT -7. The time now is 02:16 PM. |
Powered by vBulletin® Version 3.8.8
Copyright ©2000 - 2025, vBulletin Solutions, Inc.
©2000-, AI Media Network Inc123