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greendocnowciv Profile
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Registered: 11-2017
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Re: Texas Judge Strikes Down Affordable Care Act as Unconstitutional


There is a basic flaw in this claim:

Claim:

The system before Obamacare screwed peeps who had health problems that insurance didn't cover.

Reality:

Per Gallup, pre-Obamacare, most peeps were happy with their insurance:

https://hotair.com/archives/2009/09/23/gallup-80-satisfied-with-health-care-61-with-insurance/

Peeps who were too poor for insurance were possibly screwed by many culprits when bad health hit them - but "the system" is a mighty vague target of blame.

If by "the system" it is meant that an imaginary well-working American version of the Brit NHS or the Canadian mix of the NHS and Obamacare - no such imaginary system exists.

The claim can thus be restated this way:

A system - an imaginary National Health Care system - that did not exist before Obamacare - even though it did not exist - somehow, that nonexistent system screwed people who had health problems that insurance didn't cover.

The claim simply cant be made to be true, by normal rational thought. Pre "postmodern" rational thought, of course.

Still - if one has strong "feels," one needs no "reals."
12/16/2018, 9:02 am Link to this post PM greendocnowciv Blog
 
luciddream00 Profile
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Registered: 04-2018
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Re: Texas Judge Strikes Down Affordable Care Act as Unconstitutional


55% of people get their insurance through their employer and are sheltered from the reality of purchasing private health insurance. Another 35% of people get insurance through Medicare or Medicaid and 4% have military insurance. Less than 16% of Americans purchase insurance on the open market. Previously we had a system where individuals buying private insurance were preyed upon because of a massive power difference, where insurance companies would do everything in their power to extract massive premiums while knowingly offering insufficient coverage. They had the money, lawyers and profit motivation to deny claims that people thought were covered when they paid their premiums every month. Obamacare made sure that if you are paying for insurance that you’ll be covered when/if something catastrophic happens.

There was no longer any mystery involved and there was a marketplace that clearly compared various plans. Buying private insurance prior to Obamacare was incredibly stressful and time consuming because you had to contact individual companies, get quotes, read the fine print, and somehow be able to compare the costs and benefits between different plans and companies. I’m sure there is a lot about Obamacare that is less than ideal, but I can tell you that it has made my life a lot easier when it comes to buying insurance. Every year I go to the marketplace and within an hour or so I’ve found a plan that meets my needs, and I can be confident it will cover me if something catastrophic happens. Returning us to the previous status quo would be cruel.

Last edited by luciddream00, 12/16/2018, 1:21 pm


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Account closed permanently. I won't stand for abuse of authority by forum administration to censor criticism of a conservative radio host that celebrated the death of AIDS patients on his show. Maybe some day we'll speak again elsewhere.
12/16/2018, 12:42 pm Link to this post PM luciddream00 Blog
 
greendocnowciv Profile
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Registered: 11-2017
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Re: Texas Judge Strikes Down Affordable Care Act as Unconstitutional


lucid,

Your post is simply wrong. As in every issue in life, people who do not shop smart, who are not suspicious of all offers no matter how professionally delivered, or nicely sold by a very persuasive, friendly person - people who instead of being suspicious of such sales and buy instead of waiting, comparing, and asking mentors -

They get taken. Taken, you ask? No, you don't, because you are smart. You know of the old saying, which has many variations and attributions:

"There's a sucker born every minute - and two born to take 'im."

I have been credited by several folks for being smart - and was a gullible sucker who was taken, at least a bit, on the current used car I have. And that was far from my first sucker call.

I understand two things personally about insurance. One, from my Father being in that biz for my whole conscious childhood up to young adulthood - that both honest men and con men are in that game.

I then read of bad guys in insurance in a book by infamously fine and successful legal fiction novelest John Grisham.

The book was "The Rainmaker." A sub-plot is an insurance company scamming poor peeps by selling them policies and cheating them out of deserved benefits by contesting the claim in court.

Then stretching out the case until the patient dies. Or offering to settle after poor clients have endured years of delay, with an agreement to never discuss it. The classic "NDA," Non Disclosure Agreement.

One of my last jobs before joining the Navy was to be a file clerk with a Chicago law firm. Almost all their work was to take the side of a few insurance firms who were contesting many claims. I noticed this over time as I fetched and carried files.

I was amazed at how prosperous they were from such cases. And it brought that Grisham novel home to me, as it came right to mind when I first realized what most of their businsess was.

Yet my dads firm did not operate that way, nor does State Farm, much bigger, and related to my late Fathers firm in fact.

Health insurance absolutely does not have to be operated by the State for peeps to have good insurance, any more than financial management does or marriage does nor any other parts of our lives.

The opposite is true. In those and most other cases, we are better off if we have less Gov.

Just a couple of problems with it to note...

One major problem with National Health Care is that State control of health care is key to State control of the population.

Another is that it helps the tumorous "Bureaucratic State" spread, and "grow like topsy" anywhere and everywhere it can.
12/16/2018, 1:36 pm Link to this post PM greendocnowciv Blog
 
richiemobile Profile
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Registered: 12-2017
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Re: Texas Judge Strikes Down Affordable Care Act as Unconstitutional


So if this case goes through and the Supreme Court supports it 17 million People will be thrown off of guaranteed insurance coverage and pre existing conditions may again be allowed as a reason for insurance companies to deny coverage. This could be a problem in 2020 elections for Republicans
12/16/2018, 1:54 pm Link to this post PM richiemobile Blog
 
luciddream00 Profile
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Registered: 04-2018
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Re: Texas Judge Strikes Down Affordable Care Act as Unconstitutional


quote:

greendocnowciv wrote:
 As in every issue in life, people who do not shop smart, who are not suspicious of all offers no matter how professionally delivered, or nicely sold by a very persuasive, friendly person - people who instead of being suspicious of such sales and buy instead of waiting, comparing, and asking mentors -

They get taken.


It isn't a matter of "shopping smart" or "being suspicious". We're talking about (pre-Obamacare) a system where billion dollar corporations were greatly incentivized to mislead consumers. They had teams of lawyers and statisticians who could figure out just the right way to take advantage of their customers. The entire process was purposely opaque, obfuscated and frustrating to the point of absurdity. Now I know what I'm getting and I can make an informed decision without needing a law degree to understand the fine print. Quite frankly I'd be fine with sub-Obamacare plans being offered, as long as there is a clear and transparent class of plans that offer the guaranteed Obamacare protections. I don't have a problem with people who intentionally choose to be under-insured, I have a problem with a system that incentivizes insurance companies to mislead consumers.

Last edited by luciddream00, 12/16/2018, 2:04 pm


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Account closed permanently. I won't stand for abuse of authority by forum administration to censor criticism of a conservative radio host that celebrated the death of AIDS patients on his show. Maybe some day we'll speak again elsewhere.
12/16/2018, 2:02 pm Link to this post PM luciddream00 Blog
 


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