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so much for keeping my plan


Trigger Mike

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the health insurance plan I was promised i could keep will no longer be offered come January 1. to make matters worse the premium is $800 more per month on top of the high premium I was already paying. AND a higher deductible and co pay, but now my kids have eye and dental included. I could have gotten that cheaper elsewhere in the old days and did just fine without it the past few years. NOT a happy camper

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This is happening across the country. A lot of Pards and pardettes are finding themselves in the same situation.

 

Obamacare is failing because so many "Pop-Up" Insurance companies cannot maintain economic feasibility, and are just folding up with most declaring bankruptcy.

 

So a lot of folks are now faced with other companies with higher rates and deductibles just to avoid the imposed fine if you do not have the minimum required coverage outlined by Obamacare.

 

 

Your government at work for you...........

 

 

 

 

On a side note.............my apologies to Miss Allie for any transgressions I make here now.

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We will never have "affordable healthcare" while the costs of doctors, hospitals and drugs remain uncontrolled.

 

LL

Bogus. In financial terms, "controlled" means government regulation. So, in essence, you are arguing for socialism, which has never worked to actually control prices. It always attempts to control prices, but ends up ruining everything in the long run.

 

To really combat rising prices, we need to return to a REAL free market system. The health care system we had before Obamacare didn't even resemble the free market. It was a thinly-veiled first step towards socialism, with all sorts of governmental "controls" on prices. It failed, and we made it worse by instituting Obamacare. The answer is in the other direction.

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Bogus. In financial terms, "controlled" means government regulation. So, in essence, you are arguing for socialism, which has never worked to actually control prices. It always attempts to control prices, but ends up ruining everything in the long run.

 

To really combat rising prices, we need to return to a REAL free market system. The health care system we had before Obamacare didn't even resemble the free market. It was a thinly-veiled first step towards socialism, with all sorts of governmental "controls" on prices. It failed, and we made it worse by instituting Obamacare. The answer is in the other direction.

 

+1 Except .... "we" didn't institute Obamacare, the corrupt politicians did ... against our will.

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totally agree Cyrus. as it stands now the insurance company told me they no longer do any underwriting so that means everyone pays based on the worst scenarios of health, in other words they price everyone on the assumption everyone has health issues otherwise they go out of business, it would be like the government telling your car insurer that everyone is eligible to buy insurance for full coverage regardless on the age of the car or number of accidents and thus may be facing instant claims they can not see. your car insurance would go sky high even if you work from home and never drive and you would pay the same as the guy with a DUI and suspended license driving a new fararri.

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"Controlled" does not necessarily mean "by the government". And advocating for controlled costs does not necessarily mean socialism - ask any business owner if they understand the connection between "controlled costs" and profitability. The problem has been that consumers are treated like bottomless pockets in the heath care/insurance cycle. Pricing is arranged between insurers and providers. If a provider wants more money for a service or procedure, they negotiate an increase with the insurers. Those increases are passed along to consumers without any real negotiation. The open market concept was supposed to give consumers a choice among insurers, and therefore some leverage on pricing. Theoretically, an insurer who found a way to force providers to control costs would be able to charge lower premiums, and attract more customers. So far, it looks like the choices are largely limited to deductibles (high vs. higher) and co-pays (high vs. higher). If you do not qualify for government assistance, you do not see any savings on your insurance plan now vs. two years ago. Meanwhile, doctors are shortening their appointments, in an effort to see more patients and be able to charge more without needing to negotiate a rate increase. Service suffers. Patients suffer. Doctors become disillusioned with a supermarket style of practice.

 

I wish I had an answer. I don't.

 

LL

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For profit health insurance companies are, ultimately, going to implode the whole "health care system". They're trying to get profits for their shareholders, and are only lightly regulated by the states that license them. They have an incentive to deny coverage, an incentive to negotiate prices at or below a reasonable return rate by the suppliers (doctors, imaging centers, hospitals, etc...), are so large that they can dictate terms to the suppliers, and now have a law that says everyone needs health insurance. Eventually, the backlash against these companies and their operating policies will result in their demise.

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