Obamacare killing jobs: Update 12/10/13: Kentucky's Mess

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Re: Obamacare killing jobs: Update 12/10/13: Kentucky's Mess

Postby Cate McCalley » Sat Oct 14, 2017 6:45 pm

Trump has refused to extend government payments that subsidize co-insurance and co-payments for the low income poor and working class that can’t afford them. This means insurance companies presently in Obamacare exchanges will have to cover them, as required by the ACA.

Which in turn means they will have to recover this loss by raising premiums on the Working and Middle Class insured, or withdraw from the exchange. It won’t affect the upper middle class and wealthy as they already have ancillary medical insurance policies to cover co-pays and co-insurance expense.

Offering ‘Association’ insurance policies ‘across State lines’ won’t protect small businesses from premium increases. Associations can and will charge higher premiums for a small businesses in their Association, having more unhealthy employees requiring and using more health care benefits covered by the Associations Medical Care policy’s.

Do you think voters will blame Congressional Democrats, who are trying to pass emergency legislation to fund the poor, working poor and working class co-pays and co-insurance cost, that will be shifted onto middle class if the majority controlled Republican Congress blocks it’s passage? Or will they blame the Republican controlled Congress and WH for failing to replace Obamacare with universally better, less expensive medical care for the American public?


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Re: Obamacare killing jobs: Update 12/10/13: Kentucky's Mess

Postby Demon Hunter » Sun Oct 15, 2017 3:12 pm

It was perfectly fine before Obamacare.
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Re: Obamacare killing jobs: Update 12/10/13: Kentucky's Mess

Postby Cate McCalley » Mon Oct 16, 2017 1:15 pm

Demon Hunter wrote:It was perfectly fine before Obamacare.


No it wasn’t. Not from either a macro or micro perspective. One look at the spiraling medical industry’s percentage our annual national GDP for the past four decades confirms it was anything but ‘perfectly fine’.


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Re: Obamacare killing jobs: Update 12/10/13: Kentucky's Mess

Postby upallnight » Tue Nov 14, 2017 4:13 pm

The Senate has stripped away the Obamacare mandate. This very good news.
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Re: Obamacare killing jobs: Update 12/10/13: Kentucky's Mess

Postby Cate McCalley » Thu Nov 16, 2017 2:50 pm

upallnight wrote:The Senate has stripped away the Obamacare mandate. This very good news.


Eliminating the mandate is projected to increase the uninsured rolls by 13 million in 2019 & 27 million by 2024. In the meantime cost will be shifted to the working and middle class who will pay higher premiums.

Any tax benefit the working and middle class get initially, will go away with the premium increases and limited tax subsidy (if those subsidies aren’t further limited or eliminated altogether). They’re likely to be the first thing to go when the dust settles.

Cost shifting is the only way to pay for the high dollar medical care, the uninsured going to emergency rooms receives. Lack of medical care results in increased ER visits and longer hospital confinements. Conditions that could be managed with a visit to the doctors become at minimum complicated, or worse catastrophic.


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Re: Obamacare killing jobs: Update 12/10/13: Kentucky's Mess

Postby Demon Hunter » Sat Nov 18, 2017 10:15 am

The fine/tax mandate was my main problem with Obamacare. It's a pyramid scheme.
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Re: Obamacare killing jobs: Update 12/10/13: Kentucky's Mess

Postby CrissyAlwaysSunny » Sat Nov 18, 2017 6:12 pm

If you happen to spend Thanksgiving in Plymouth Massachusetts this year, you can choose between two public commemorations. You can watch the official parade, in which townspeople dressed like pilgrims march to Plymouth Rock bearing blunderbusses and beating drums. Or you can stand on the top of Coles Hill with indigenous people and their supporters and fast in observance of what they call a “national day of mourning” in remembrance of the destruction of Indian culture and peoples.
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Re: Obamacare killing jobs: Update 12/10/13: Kentucky's Mess

Postby CrissyAlwaysSunny » Sat Nov 18, 2017 6:15 pm

Sorry!!! I posted in the wrong place lol. Down with mandates lol
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Re: Obamacare killing jobs: Update 12/10/13: Kentucky's Mess

Postby Cate McCalley » Sun Nov 26, 2017 12:51 am

Demon Hunter wrote:The fine/tax mandate was my main problem with Obamacare. It's a pyramid scheme.


By your definition all insurance is a Ponzi scheme, other than an endowed life policy that hasn’t been marketed or sold in this country for many decades. Insurance is a commodity like money, it only matters when you don’t have it.

Eliminating the mandate doesn’t add money to the U.S. Treasury. It saves the U.S. Treasury money it gives in subsidies via tax credits. No more tax credits to reduce individual tax liability, means the U.S. Treasury gets to keep that money, rather than credit it against what is owed.

The proposed Senate Tax Bill will eliminate 13 million people that now have subsidized coverage, and drop their medical coverage. These are people that don’t want to pay for medical coverage because they don’t think they will need or use it, and believe they can put the money they pay for medical insurance to better use elsewhere.

What happens when any of these have a medical emergency, chronic or life threatening illness they can’t pay for? They will get emergency care treatment from time to time, and the cost of the care will be shifted onto those that maintain medical insurance. At least until the premiums become unaffordable for them, and they too are forced to drop their medical insurance.

Medical professionals spend a great deal of money and time learning their trade and expect to be compensated. They will keep increasing their fees across the board to cover their operating expenses and salaries.

Eliminating the mandate is most expedient way of ensuring quality medical care will eventually become only affordable for the wealthy. Spiraling medical care cost threatens Medicare coverage as well. Once a person can no longer work, they are relegated to living on a fixed income. It’s a very sad choice to make between food, shelter and medical care when the opportunity to earn money from work is gone.

I would favor eliminating the mandate, if it coincided with repealing the federal law requiring medical care facilities and medical professionals receiving Medicare dollars to treat the uninsured. Those needing medical care that didn’t have cash or insurance to pay could legally be turned away from ER & Urgent Care facilities. Gambling means somebody wins and another loses. Eliminating the mandate leaving the uninsured still able to receive medical care, means the losers are people that are insured will pay for the uninsured’s gamble with premium increases. There’s nothing fair about that.


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Re: Obamacare killing jobs: Update 12/10/13: Kentucky's Mess

Postby GFunkMoneyDog » Sun Nov 26, 2017 9:42 am

The mandate amounts to nothing more than a mafia shake down. You either purchase our insurance or you pay us because you didn't purchase it.
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Re: Obamacare killing jobs: Update 12/10/13: Kentucky's Mess

Postby Cate McCalley » Sun Nov 26, 2017 10:38 am

GFunkMoneyDog wrote:The mandate amounts to nothing more than a mafia shake down. You either purchase our insurance or you pay us because you didn't purchase it.


If I had my way enrollment for Medicare would be offered to private and public industry and available to everyone. Those wanting more than Medicare coverage could purchase ancillary medical insurance policies.

The mandate is not the best way to make people responsible for preventative medical care, and medical conditions they may develop at some point. Unfortunately because of the powerful & well funded insurance lobby, it was the only way to get more people medical care coverage.

Bottom line if people don’t want to pay for heath insurance, they shouldn’t have to. However, they shouldn’t expect to be treated for any medical condition they don’t have the money to pay for upfront.

I’ve paid multiple thousands of dollars for home owners insurance over my lifetime. The bank required it to issue a mortgage loan. Fortunately I never had a serious loss. The bank wasn’t about to take the risk that I would continue to pay back their loaned money, if I had lost the property they had a financial stake in.

The medical care delivery participants are at risk for loss they cannot recover, when they are mandated by law to deliver services to the uninsured. In the past the industry has dealt with their losses by increasing fees for service to those that are insured and can pay.

Over the past four decades we’ve seen the failure of every attempt the industry and government has made to control spiraling medical care cost. We’ve seen all forms of optional ‘managed care’ fail. The operative word in these attempts us ‘optional’.

Medical care when needed, is not optional. You either get it or you don’t. One doesn’t get to choose to ignore the need for medical care. This is why access to medical care is not an option, nor should the responsibility to pay those meeting that need be optional.


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Re: Obamacare killing jobs: Update 12/10/13: Kentucky's Mess

Postby GFunkMoneyDog » Wed Jan 17, 2018 4:07 pm

The Great State of Kentucky has became the first state to implement work requirements for able bodied medicaid recipients.
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Re: Obamacare killing jobs: Update 12/10/13: Kentucky's Mess

Postby Cate McCalley » Fri Jan 19, 2018 10:55 am

GFunkMoneyDog wrote:The Great State of Kentucky has became the first state to implement work requirements for able bodied medicaid recipients.


Most (if not all) employers require employer agreement for drug testing, as a condition of employment. Will able bodied people in Eastern Kentucky addicted to Opioids, be able to find work with companies these companies?

According to Kentucky lawmakers;

“Heroin is devastating Kentucky families in a number of ways, and the legislation approved strikes back against the deadly drug on a number of fronts. The multi-prong approach includes stronger penalties for dealers and traffickers and better treatment options for addicts seeking help.’~ Ky.gov. Office of Drug Control Policy

https://odcp.ky.gov/Pages/The-Heroin-Epidemic.aspx

So...how will the ‘able bodied’ addicted seeking help in the ‘Great State of Kentucky be able to find work or have access to ‘better treatment options’ without medicaid insurance?

Just asking.


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