I'm interested to hear more about what Ben Carson talks about as far as catastrophic insurance coinciding with an HSA. Does anybody have any detail on his thoughts?
Quote:There's a middle ground. An insurance company has to cover pre-existing conditions only if the person already has insurance. If you change jobs and switch from one insurance company to another, the new company has to accept you. If you lose your job, then you need to keep up the insurance payments through COBRA.
But flsprtsgod is right. Those problems go away if individuals, rather than corporations, bought policies. A good start would be for medical insurance to be tax exempt. Corporations get to write it off as an operating expense, but individuals don't.
not entirely true...people who work for sub contractors on my projects get laid off every winter for about 4 months...none of them pay COBRA because it's very expensive to pay out of pocket...It's not supposed to be but it is...when they go back to work, they have to wait the full waiting period all over again to be eligible for health care again and many times their employer has changed health care providers at the beginning of the year...The insurance companies make them fill out the same application as a new hire (since they no longer had them as your provider) and they have been without insurance for about 4 months, but they take pre existing conditions
Quote:not entirely true...people who work for sub contractors on my projects get laid off every winter for about 4 months...none of them pay COBRA because it's very expensive to pay out of pocket...It's not supposed to be but it is...when they go back to work, they have to wait the full waiting period all over again to be eligible for health care again and many times their employer has changed health care providers at the beginning of the year...The insurance companies make them fill out the same application as a new hire (since they no longer had them as your provider) and they have been without insurance for about 4 months, but they take pre existing conditions
When I lived up in NH for a couple years, I worked for a ball bearing plant that produced ball bearings for missles and bombs (specifically the Jdam bomb), and that seasonal shut down sucks. It was roughly 2-3 months for us. Then again, waking up at 4:30am and walkin outside to go to work and it's -30 degrees outside, feels like your lungs and sinuses instantly freeze shut..
Quote:You agree that you're being a whiny baby?
That's a start.
Why are people acting like Donald's stance on this is a bad thing? It sounds like a positive change to me.
Can someone explain the age 26 thing to me? By 26 I would say you should be on your own and have your own insurance.
She never said I am a whiny baby.
It's not the abrupt reversal some of the media would have us to believe it is, but really just an example of Trump's campaign strategy. Tell 'em what they want to hear, Obamacare is horrible, I'll repeal it on day 1, I'll replace it with something terrific, trust me. Noticeably absent were any details, maybe we're finally getting a glimpse.
Quote:When I lived up in NH for a couple years, I worked for a ball bearing plant that produced ball bearings for missles and bombs (specifically the Jdam bomb), and that seasonal shut down sucks. It was roughly 2-3 months for us. Then again, waking up at 4:30am and walkin outside to go to work and it's -30 degrees outside, feels like your lungs and sinuses instantly freeze shut..
I hear ya! It's really cold here too and I have to go into work at 4 am as well
Quote:what the problem really is, is that health care provision has been left to employers with greedy execs who make sure they get their millions of dollars in salaries and bonuses at the expense of their employees benefits...Companies don't hire many full time workers, don't pay much over minimum wage, don't offer benefits unless you are a full time employee in order to keep the execs luxurious lifestyle...They have done the same thing with retirement plans...no more pensions, just this 401k crap which is dependent on the stock market...There has got to be better ways
No, the fact that employers are involved at all is the problem. Everything we're experiencing stems from that issue.
Quote:The problem with that is the fact that people who work in retail, fast food and such (which is where most teenagers start their working lives) don't get full time for the most part and either don't qualify for benefits or working 26 hours a week can't afford health insurance...
And the fact that many of them work to pay for their college tuition. Many of them live with their parents when school is out of session because they can't afford year-round housing.
Do you mean 40 hours a week?
Quote:No, the fact that employers are involved at all is the problem
. Everything we're experiencing stems from that issue.
thats what I said in my first post
Quote:Repealing Obamacare wouldn't invalidate the existing insurance plans, and at the rate they are increasing in price they will soon be unaffordable anyway. Lots of people are already opting to pay the tax penalty rather than buy insurance.
It would allow insurance companies to deny millions of clients coverage of treatments for pre-existing conditions and drop people who get sick or pregnant, among other things. By repealing the ACA, everything goes back to the way it was in the 20th century. Congress can write up a new law that includes all of the good stuff and pass it, but during the "between laws" period most people will lose benefits they got as a direct result of the ACA.
Quote:And the fact that many of them work to pay for their college tuition. Many of them live with their parents when school is out of session because they can't afford year-round housing.
Do you mean 40 hours a week?
No most fast food and retail job people dont get 40 hours a week
Quote:It's not the abrupt reversal some of the media would have us to believe it is, but really just an example of Trump's campaign strategy. Tell 'em what they want to hear, Obamacare is horrible, I'll repeal it on day 1, I'll replace it with something terrific, trust me. Noticeably absent were any details, maybe we're finally getting a glimpse.
Passage of the repeal will not be abrupt because lawmakers have to spend a lot of time arguing to get the 2/3 majority on both sides. Once the president's signature is on the document, though, how do we stop hell from freezing over?
Quote:And the fact that many of them work to pay for their college tuition. Many of them live with their parents when school is out of session because they can't afford year-round housing.
Do you mean 40 hours a week?
I'm sure he's talking about part time employment.
Quote:I'm sure he's talking about part time employment.
yes because more and more companies are hiring more part time people and very few full time people
Quote:yes because more and more companies are hiring more part time people and very few full time people
That way they don't have to pay any kind of benefits for them.
Quote:yes because more and more companies are hiring more part time people and very few full time people
Sometimes they have to because students can't work full time. That is where the "up to age 26" provision comes in handy.
Quote:It would allow insurance companies to deny millions of clients coverage of treatments for pre-existing conditions and drop people who get sick or pregnant, among other things. By repealing the ACA, everything goes back to the way it was in the 20th century. Congress can write up a new law that includes all of the good stuff and pass it, but during the "between laws" period most people will lose benefits they got as a direct result of the ACA.
You won't be instantly thrown off your insurance plan. You're covered for that year as long as you pay your premiums. Stop being so dramatic before you know the details of what's going to happen.
Quote:You're right about that. I know die-hard conservatives who became staunch defenders of social security and medicare once they hit 65. They're all about balancing the budget, but don't dare touch their entitlements.
Social security is not an entitlement. People paid to receive it.