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Bigger threat to Florida than a Category 5 Hurricane

#40

(10-29-2018, 03:22 PM)mikesez Wrote:
(10-29-2018, 03:00 PM)flsprtsgod Wrote: I do believe we should have a safety net of some sort, there is definitely a place and interest for us to protect the vulnerable and thereby protect the public health. We still absolutely do not have a health care problem, we have a health care financing problem, and that kind of problem only gets worse when the government gets involved. The best way for this to imprvoe is to realign the market incentives to create a robust individual market and allow the private sector to provide for all customers, not just large groups, but that will never be the intentions of the government.

What you just described is literally what the Obamacare health care marketplace does for anybody who earns 133% of poverty level or higher.  It creates an individual market for health care where the private sector is the only player.
The market incentives were realigned such that none of the insurers get to look at pre exisiting conditions, and very few conditions could be excluded.
It did all this while making minimal changes to large group employer coverage and Medicare.

[BLEEP]!

Obamacare put many many restrictions on what must be covered, making the insurance a lot more expensive. The pre-existing requirement made insurance a lot more expensive to cover people who just put off buying insurance until they needed it. The fine for not buying insurance was nominal, and there was no enforcement mechanism so that was not an incentive to be covered earlier.

Meanwhile, the insurance companies raised their rates or their deductibles (usually both) punishing everyone who already had insurance through their jobs.

 If it were just a matter of making insurance an individual choice like car insurance, rather than a corporate perk, there were better and simpler ways to do that, such as making insurance 100% tax deductible.

A safety net was already essentially in place, since hospitals are required to accept anyone who showed up at the emergency room, insurance or not. Obamacare just transferred the cost onto the people who were trustworthy enough to already have insurance.



                                                                          

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RE: Bigger threat to Florida than a Category 5 Hurricane - by MalabarJag - 10-29-2018, 07:48 PM



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