Men die earlier and are more likely to have heart disease and a whole host of other health issues. Quit picking at this issue.

10/1/2013 12:34:49 AM

Quote :

"They aren't afraid it's going to fail. If that were the case, they would just let it go on unimpeded and watch it implode as no one signs up for health care through the exchanges. No, what they are really afraid of is that it's going to succeed, and they are going to look all the worse for it. Just like with Medicare."

LOL! I don't consider something running in the red as succeeding.

10/1/2013 12:37:02 AM

holy shit hes in TSB

10/1/2013 12:56:50 AM

Medicare consistently provides adequate care for much lower prices. It's a huge success compared to private health insurance.

10/1/2013 1:17:57 AM

Quote :

"Men die earlier and are more likely to have heart disease and a whole host of other health issues. Quit picking at this issue."

not in their 20's they don't. Men used to be much cheaper to insure in their 20's because they can't get pregnant, which completely makes sense and should be allowed.

[Edited on October 1, 2013 at 6:23 AM. Reason : .]

10/1/2013 6:22:43 AM

I'm sure there is a health risk that men experience at higher levels than women. Poking at the issue of pregnancy raising healthcare costs completely ignores the fact that medical care for pregnant women is ludicrously expensive compared to other countries and with poorer outcomes.

10/1/2013 6:41:28 AM

so before ACA insurance companies charged men in their 20's less because they were higher risk? nope. and insurance companies will still vary your rate depending on risk factors, they just can't use gender.

pregnancy is a disproportionate risk that women have that men don't share, so it doesn't make sense to not be allowed to use it to set rates.

Quote :

" Poking at the issue of pregnancy raising healthcare costs completely ignores the fact that medical care for pregnant women is ludicrously expensive compared to other countries and with poorer outcomes."

no its not, its pointing out that pregnancy is ludicrously expensive and there is zero chance that the insurance company would have to pay for it for a man

[Edited on October 1, 2013 at 7:43 AM. Reason : .]

10/1/2013 7:39:08 AM

babies are a national security issue.

10/1/2013 8:36:15 AM

can't get no insurance. amma gonna die?

10/1/2013 12:59:08 PM

https://www.newsmaxstore.com/nm_mag/obamacare_911b.cfm

10/1/2013 1:08:34 PM

Pages that throw dialog windows when I'm trying to close them should get people banned.

10/1/2013 1:11:00 PM

^

10/1/2013 1:12:31 PM

Anyone seeing offerings from their employer costing less? It seems like every post on facebook I've seen has premiums going up significantly. My open enrollment is later this month and I'm dreading what it's going to look like.

10/1/2013 4:52:51 PM

My company has covered my health insurance fully, the new change is not prompting them to start charging us.

I realize this is not the same thing, just thought I'd throw it in though

10/1/2013 5:20:34 PM

small increase (like $8), but I only cover myself mostly. I have the wife added to my dental plan.

10/1/2013 6:25:59 PM

Quote :

"Anyone seeing offerings from their employer costing less? "

ours went down because we changed to individual plans, but we are planning on shopping around on the SHOP marketplace when available to see if we can beat it

10/1/2013 6:29:41 PM

I'm just trying to allay my fears based on other anecdotes I've been seeing. Luckily we have mine and my wife's employer to choose from.

10/1/2013 6:35:06 PM

yours will likely go up, men in their 20's or 30's are in the bracket where premiums are predicted to increase on average.

10/1/2013 6:38:01 PM

Can we rebuild the economy and salvage health care in the U.S. on the backs of (working) millennials? I sure as fuck hope so!

10/1/2013 8:32:03 PM

Quote :

"Medicare consistently provides adequate care for much lower prices. It's a huge success compared to private health insurance."

Bullshit.
1) Medicare provides zero care. That is done by private doctors
2) The "lower prices" are actually paid by everyone else in the form of higher charges to offset the slashed Medicare reimbursement. it's like you don't even understand how economics works

Quote :

"yours will likely go up, men in their 20's or 30's are in the bracket where premiums are predicted to increase on average."

Yep. yet another plan where the baby boomers fuck over later generations so the boomers don't have to feel any pain from the results of their misguided policies.

10/2/2013 12:31:12 AM

Medicare "provides care" in the same way that ACA or any insurance "provides care". It was clear what he meant by "provides care", but rather than respond to his point you made a silly semantics argument.

this is what people talk about when they say that your method of responding to single sentences and semantics is dumb.

10/2/2013 7:31:55 AM

http://m.washingtonpost.com/blogs/wonkblog/wp/2013/10/01/signing-up-for-obamacare-it-will-save-me-over-6000-for-that-i-would-have-waited-all-day/

Quote :

""I’ve been watching the news about the government shutdown," he says. "Obviously three hours is a long time to wait, but it will save me over $6,000. For that, I would have waited all day.""

I wonder how long until Republicans drop the Obamacare tag and start calling it the ACA.

10/2/2013 9:19:44 AM

I'm pretty sure this page is just a static page

https://www.healthcare.gov/marketplace/global/en_US/registration#signUpStepOne

ain't shit happenin'

10/2/2013 9:37:25 AM

the flaws in the individual mandate/insurance reforms are all fixable and the real meat of the ACA (the accountable care stuff) is gonna save way more money than the insurance requirements are gonna cost. this whole thing is idiotic.

also lol @ the concept of a "government shutdown" all the major debt sources are still up and running and the only stuff that got shutdown is financially trivial. nice work, retards.

10/2/2013 10:45:01 AM

how is this website still not functioning properly? can't select security questions.

10/2/2013 10:52:32 AM

^^The individual mandate is the heart of the law. Nothing works without it. It's the only reason insurance companies can offer plans at reasonable rates and all that rate shock horseshit opponents have been peddling for 3 years never happened. It can't be touched. If anything, it should be strengthened with a bigger tax penalty for not carrying health insurance. For the first year, it's only $95, and over time only grows to less than half of the cost of carrying health insurance for an entire year. That's nothing.

[Edited on October 2, 2013 at 11:06 AM. Reason : :]

10/2/2013 11:04:25 AM

The individual penalty is also capped based on income and also capped at the average price of bronze coverage on the exchange, so it will generally be less expensive to buy insurance

[Edited on October 2, 2013 at 11:37 AM. Reason : .]

10/2/2013 11:16:26 AM

let's be real. the fine is priced to where it makes zero sense to pay it. especially if you make more than the median income.

10/2/2013 11:31:26 AM

but Generation Opportunity told me I should pay the penalty!
http://www.colbertnation.com/the-colbert-report-videos/429446/october-01-2013/adorable-care-act---generation-opportunity

it's like renting instead of buying, except you don't have a place to live


[Edited on October 2, 2013 at 11:37 AM. Reason : .]

10/2/2013 11:36:39 AM

Quote :

"The individual mandate is the heart of the law."

no its not. it exists to get everyone into the system so they can be added to an accountable care organizations which is where the cost savings come from.

if you want to use the individual mandate to actually try to save some money, you'd need to fix it so we're talking about insurance at a national level instead of a state level and you'd need to throw in some fixes around billing by mandating the use of standard codes by both providers and insurers. When you're talking about insurance 99% of the cost reduction would come from reduction in bureaucracy.

But insurance isn't where the costs of healthcare come from. Healthcare costs come from healthcare providers, so if you really want to talk about reducing cost you have to start at the provider level That's where the accountable care parts of the act come in and that's where the future of all real healthcare reform lies.

The accountable care provisions are surprisingly good which is kind of incredible given this congress. The idea is to require providers to cover entire groups of people and be responsible for the group's health, instead of being paid on a transactional basis. The nice thing about it is the act specifies penalties for failure, instead of specific mandated fixes, so for the first few years when penalties are low, providers can try a lot of stuff to see what works best. Obviously my opinion as I've stated before is that process controls are gonna be the way to go just like it was for manufacturing in the 80s/90s.

The accountable care stuff is a great first step and the individual mandate is really only there to make sure everyone gets into that system so providers can be made responsible for them.

and tbh its really kind of stupid how its not being done at a national level and they did stupid stuff like making the penalties not [I]always[/I]the same cost or more as getting insurance. But those are both easily fixable problems.

[Edited on October 2, 2013 at 11:49 AM. Reason : a]

10/2/2013 11:48:21 AM

What is so funny about the individual mandate that you people seem to worship is the fact that there is absolutely no recourse for the IRS to come and get your fine if you choose not to pay it. The only way they can get it is if you are getting a refund, they can subtract the fine. But if you are smart enough to plan your tax payments to where you break even, there's not shit the IRS can do.

http://www.washingtonpost.com/blogs/wonkblog/wp/2013/05/13/readers-ask-we-answer-what-happens-if-you-dont-pay-obamacares-tax-penalty/

10/2/2013 11:56:18 AM

Quote :

"no its not. it exists to get everyone into the system so they can be added to an accountable care organizations which is where the cost savings come from."

Yeah, exactly. If no one signs up, or only people with chronic pre-existing conditions that could never get health care before, then the entire system fails. Nothing works unless you require healthy individuals to buy insurance. That's the foundational concept of all insurance. You need people paying premiums who don't actually cost you anything to pay for the people who do. This isn't rocket science.

[Edited on October 2, 2013 at 12:01 PM. Reason : :]

10/2/2013 12:00:29 PM

Quote :

"You need people paying premiums who don't actually cost you anything to pay for the people who do. "

In other words, forcing people to buy insurance against their will, who would otherwise not need it, is the cornerstone on which this whole thing is based.

10/2/2013 12:04:20 PM

Yes, welcome to living in a modern society. If you don't like it, move to Canada Europe Australia Central/South America Iran. Yeah, that's the one, you can move to Iran.

10/2/2013 12:14:05 PM

isnt the $46k or whatever maximum for qualifying for a subsidy setting the bar a bit low? i thought ol barry was mister middle class?

10/2/2013 12:31:28 PM

^one of my complaints of the ACA.

This isn't helping, financially, many within the middle class.

Poor? ya get money.

Rich? ya don't give a shit.

In the middle? Pay 200%-600% more than you were!

10/2/2013 12:33:56 PM

The middle class aren't going to get subsidies? Are you crazy? The middle class is their cash cow. We keep giving to raise everyone else up, and get nothing in return, except maybe a higher premium here and there.

10/2/2013 12:33:57 PM

Quote :

"Yes, welcome to living in a modern society. If you don't like it, move to Canada Europe Australia Central/South America Iran. Yeah, that's the one, you can move to Iran."

nah son. modern society provides universal healthcare for everyone

10/2/2013 12:36:07 PM

Quote :

"In other words, forcing people to buy insurance against their will, who would otherwise not need it, is the cornerstone on which this whole thing is based."

It's another program designed by baby boomers to extract the wealth from the younger, working generations. That is now the foundation of the American economy. It's the same basic principle for social security/medicare.

Of course, this all fails when you undermine the opportunities for the younger generation so much that they put off having a family and, in a lot of cases, end up not having children at all. Whoops, you took so much from your children that they didn't have enough left over to make their own life, so now there's no one left to steal from and you don't have the cash to pay for your third bypass.

10/2/2013 12:43:58 PM

10/2/2013 12:47:53 PM

I too hate old people.

10/2/2013 12:52:47 PM

Is preternatural chronic cynicism covered as a pre-existing condition?

10/2/2013 1:43:07 PM

Quote :

"Yeah, exactly. If no one signs up, or only people with chronic pre-existing conditions that could never get health care before, then the entire system fails. Nothing works unless you require healthy individuals to buy insurance. That's the foundational concept of all insurance. You need people paying premiums who don't actually cost you anything to pay for the people who do. This isn't rocket science."

not quite. the people signing up are gonna be the uninsured who are primarily young people who wouldn't be a target of the accountable care stuff (for a few decades, atleast). it will certainly collect some stragglers, but the majority of those with chronic conditions or needing regular monitoring are already in the system. Requiring healthy people to buy insurance kind of only maybe sort of but probably wont lower premiums for old people. it doesn't affect healthcare costs at all.

The individual mandate is really not that important and the way that they've implemented it is so stupid that its causing all this backlash. If they had done it right it would be cheaper and higher quality and easier for everyone to deal with at all levels, but nooope.

I still have no idea why it was done at the state level instead of national. that's the weirdest goddamn thing cause it seems so obvious.

10/2/2013 2:01:33 PM

People in the middle class will get savings in a few years when healthcare costs come down to similar levels that EVERY SINGLE CIVILIZED COUNTRY IN THE REST OF THE WORLD PAYS.

^ Because people trust state government more than federal government.

[Edited on October 2, 2013 at 2:11 PM. Reason : ]

10/2/2013 2:09:46 PM

My company just sent out a mailing that basically said due to this legislation our premiums will go up next year and we are doing away with everything but the high deductible plan. This comes from a very large company that's leadership is pretty liberal so I don't see them doing it as a way to bash the legislation but I thought everyone was saying premiums would go down...

10/2/2013 2:11:03 PM

ACA requires them to send you that notification (I think it was supposed to be by Oct 1)

[Edited on October 2, 2013 at 2:26 PM. Reason : who said premiums were going down?]

10/2/2013 2:23:40 PM

Quote :

"People in the middle class will get savings in a few years when healthcare costs come down to similar levels that EVERY SINGLE CIVILIZED COUNTRY IN THE REST OF THE WORLD PAYS. "

LOL, good luck with this. Of course I expect you will then say you never said this, or it would have worked if not for greedy X, Y, Z.

10/2/2013 3:17:28 PM

premiums should come down in the long run.

[Edited on October 2, 2013 at 3:19 PM. Reason : .]

10/2/2013 3:19:14 PM

Shaggy, even the admin knows they need young people to sign up for it to work. Without them you will simply have higher risk/cost people in a smaller risk pool and that is what insurance companies call the death spiral, as they have to raise prices they will lose the younger healthier clients.

http://washington.cbslocal.com/2013/08/25/study-obamacare-will-lead-to-health-insurance-death-spiral/

"The Obama Administration estimates that about 2.7 million 18-30 year-olds will need to join the exchanges in 2014 if the health care program is to work."

10/2/2013 3:21:50 PM

the republicans knew it needed the individual mandate when they invented it

10/2/2013 3:27:36 PM