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| Re: Gibbs Can't Name Countries Where Government Health Care Works Better (465995) | |||
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Re: Gibbs Can't Name Countries Where Government Health Care Works Better |
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Posted by Orange Blossom Special on Tue Jun 23 21:08:53 2009, in response to Re: Gibbs Can't Name Countries Where Government Health Care Works Better, posted by trainsarefun on Tue Jun 23 19:01:44 2009. Ok, point granted. I'm used to dealing with Amoreira's and AIM's.A, I remember the people survey'd for HSA satisfaction was 81%. I forget the general health plan percent, but i remember when you add them up it's closer to 90%. B) We have to remember that health "insurance" isn't like car insurance. First of all, the cost for a claim is higher. Second of all when you work for a company, the big ones aren't even really insurance. They pay for it directly. The "insurance" companies are nothing more than outsourced administrators. Up to lifetime max's anyway if you have one. Fun fact, most people use less than 5000 a year in health costs. Actually I forget the number exactly, it's more like 2-3k but I don't want to lowball it. With that fact out there, you've given the most expensive states #'s with the only state left to even really have HMO's. With NY's regulations, and HMO's, it's the highest profit state in the country for insurance companies. The ones with less regulations and CONSUMER driving plans have razer thin margins. The same as car insurers do. If the average cost per year is going to be 3000, and I spent zero last year, why am I spending 700 a month in a private HMO plan? Who can afford that? OT for a moment, Medicaid. Before my current job I was about to get a gap plan. Looked at several. There are Catasphropic only plans. Such as hospital only plans. Don't always need to pay 700/month for a 75 dollar Urgent clinic visit. I could keep going, but with 30% of the country on national healthcare, and another percentage who wont' even pay for medicaid because they can get it for free instead, I don't see the point. I don't see the need. If it were great it would've worked in Hawaii. For the record, I have an HSA. My place of employment has paid for my Tylenol and flu medicine thanks to the HSA card. I wouldn't recommend it for older people as they don't have the time to save up, but it's ok so far. I think it's a good idea. If your employer contributes. The only issue I don't have any answers for are the people who are self-employed etc. They should have a quasi-something plan. High deductible plans might be good for them. Why spend 1000 a month when you can have a 5000 deductible instead. It's a LOT of money, but if you can afford a grand a month, it'll be cheaper to just deal with the deductible when you need it imo. Other than them, it's a fake issue. The only reason to control the money of the system, instead of the system itself, ie doctors etc, is for corruption and cronyism on a massive scale. People like Obama has a lot of friends and family members that need rewarding. The economy will not come back with 4/gallon gasoline just because we decided to tax people MORE for a public health system than whatever we pay now. The more you pay in taxes, the less money you have for the system. That means no economy. It's discretionary versus disposable income. I pay more into taxes for the public options than my own. As I'm sure every union member around does too or city worker(except for places like Arkansas). And I'll never read a NYT poll! |
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