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Scott, if insurance companies were required to treat their entire pool of insured customers as one big risk pool the premiums for everyone would drop to the levels currently enjoyed by the largest companies in America. The real problem with the individual market is not that the risk is higher for those customers. The problem is that when insurance companies run the actuarial formulas premiums skyrocket as smaller and smaller groups are created. This is the same reason that premiums are drastically higher on the western slope than on the front range.
One simple change. Require all health insurance companies to measure their risk across the entire pool of insured customers. Advertise all you want, but if the final risk analysis includes every single customer premiums will fall dramatically. Backstop the whole industry with a universal buy in to Medicare and watch the marketplace fix costs.
This simple change does not require single payer, it does not create Government subsidies and it does not create entitlements. This change also fixes the problems with rural areas being forced to pay higher premiums. Sure, let them sell across state lines that just makes the pool bigger which has the effect of driving premiums lower for everyone.
A. break the tie between employment and health insurance. Everyone with health insurance must purchase from the individual market.
B. No pre-existing conditions, no groups, no in or out of network. Every single person of the same age gets the same basic premium. If you want the "Cadillac" doctor then you pay the difference.
C. Sure sell across state lines. Insurance companies must be forced to measure the risk against their entire pool of insured individuals. They can no longer offer special deals to large Groups. It is their business model of breaking us into ever smaller groups that allows them to raise premiums on individuals.
D. Hospitals and Doctors have to charge the same rate to everyone regardless of insurance carrier, cash pay etc. Rates for ALL procedures must be public information.
E. Backstop the entire insurance industry with a buy in to Medicare for all. This gives the insurers an incentive to actually find ways to save money.
Uh Fred, is not most maintenance performed by personnel?
Jeff, yes. Their questioneer asked about cancer in the last 10 years and I had been cancer free for longer than that. When the Doctor ordered the normal blood tests to be sure the cancer had not returned I received those letters within 3 months of those tests being done. Those tests were run every 2-3 years at that time, and I had been on the same plan for just over 2 years.
Fred, I got those letters every single time that the insurance company found out I was a cancer survivor. Those premium increases started a very long time before we elected President Obama and they have slowed dramatically since the passage of the ACA in spite of what you might hear on Faux News.
Ken, basic economics would have those that cannot pay dying in the street or passing away without heatlthcare in the privacy of the apartment that replaced their once nice home. Once our country decided that hospitals must treat those in need we were set into this current path.
I agree with the conservative manta about selling across state lines with a caveat. We should break the tie between health insurance and employment, break up ALL special groups and force insurance companies to treat their entire pool of insured as a single group. As long as insurance companies are allowed to break us into ever smaller groups, premiums will continue to rise.
Uh, did you read the Supreme Court decision about the ACA Joe? You can have any "opinion" you want. Read your history and shout it out everywhere but just like the rest of us you are bound by the actual law. In this particular case the Supreme Court ruled that the mandate was a form of tax and therefore a "Constitutional Law" no matter what you think of it.
Like you, I can only espouse my "opinion" and I am not willingly enslaving anyone or anything including myself. Providing for the common good (ie. general welfare) used to be a conservative christian belief. Your interpretation is neither.
Joe, either the Government is so evil and capable that they are pulling off stunts like controlling the media, faking the moon landing, and mind washing our youth, or they are so incompetent that they cannot even run basic services and we need to privatize literally everything.
Which is it Joe? You cannot have it both ways because it certainly is not.
Ken, I respectfully disagree. The citizens of this land should make their opinions known to representatives at all levels of Government. How else are they to know?
They are elected to guide our countries course and to create policies that benefit all of us as a nation. When those policies get in the way of safety, affordability etc. we should let them know.
You can call it all kinds of buzzwords like socialism, paternalistic, fake news or nanny state but the bottom line is that our representatives should be working towards the common goal of making life better for everyone. Anything less should be noticed and communicated to pour representatives in polite but strong terms.
Joe, that "Quaint old document" contains all the authority needed for the Federal Government to levy taxes for the general welfare of the nation. As much as you hate admitting it, that can be defined as health care no matter how much you might disagree.
Unless I missed something, it looks like Harvey got bounced also. Perhaps this had more to do with their ongoing slugfest more than a simple "suggest removal".
Regardless, I had nothing to do with it. I would continue to call on the Pilot for a return to the anonymous posting ability with limits on the number of daily posts to control the worst abuses. Since the Pilot banned that policy the sheer volume of comments has crashed while the overall tone fails to improve. Like the old saying: "If you cannot handle the heat, stay out of the kitchen."
Sorry Pilot, but your current setup simply does not represent the views of the entire community. Only a very small portion of citizens ever bother to comment and then only the most opinionated. There sure is room for some middle ground if you took the time to do it right. Returning the rights of the anonymous comment would do much to bring those people back. You should listen to your readers and change these policies. These forums were much more vibrant before you tried to "fix it"
Last login: Tuesday, March 21, 2017
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