Healthcare deniers...How does it feel... | |
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noblesse oblige
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THOR
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bobnightman
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Anonymous Coward User ID: 921731 United States 03/21/2010 08:24 PM Report Abusive Post Report Copyright Violation | Myth 1: This is a universal health care bill. Fact: The bill is neither universal health care nor universal health insurance. According to the Congressional Budget Office: * Total uninsured in 2019 with no bill: 54 million * Total uninsured in 2019 with Senate bill: 24 million Myth 2: Insurance companies hate this bill. Fact: This bill is almost identical to the plan written by AHIP, the insurance company trade association, in 2009. The original Senate Finance Committee bill was authored by a former Wellpoint vice president. Since Congress released the first of its health care bills on October 30, 2009, health care stocks have risen 28.35%. Myth 3: The bill will significantly bring down insurance premiums for most Americans. Fact: The bill will not bring down premiums significantly, and certainly not the $2,500/year that President Obama promised during his campaign. Annual premiums in 2016: status quo / with bill: Small group market, single: $7,800 / $7,800 Small group market, family: $19,3oo / $19,200 Large Group market, single: $7,400 / $7,300 Large group market, family: $21,100 / $21,300 Individual market, single: $5,500 / $5,800 Individual market, family: $13,100 / $15,200 (The cost of premiums in the individual market goes up somewhat due to subsidies and mandates of better coverage. The CBO assumes that cost of individual policies goes down 7-10%, and that people will buy more generous policies.) Myth 4: The bill will make health care affordable for middle class Americans. Fact: The bill will impose a financial hardship on middle class Americans who will be forced to buy a product that they can't afford to use. A family of four making $66,370 will be forced to pay $5,243 per year for insurance. After basic necessities, this leaves them with $8,307 in discretionary income -- out of which they would have to cover clothing, credit card and other debt, child care and education costs, in addition to $5,882 in annual out-of-pocket medical expenses for which families will be responsible. Myth 5: This plan is similar to the Massachusetts plan, which makes health care affordable. Fact: Many Massachusetts residents forgo health care because they can't afford it. A 2009 study by the state of Massachusetts found that: * 21% of residents forgo medical treatment because they can't afford it, including 12% of children * 18% have health insurance but can't afford to use it Myth 6: This bill provides health care to 31 million people who are currently uninsured. Fact: This bill will mandate that millions of people who are currently uninsured purchase insurance from private companies, or the IRS will collect up to 2% of their annual income in penalties. Some will be assisted with government subsidies. Myth 7: You can keep the insurance you have if you like it. Fact: The excise tax will result in employers switching to plans with higher co-pays and fewer covered services. Older, less healthy employees with employer-based health care will be forced to pay much more in out-of-pocket expenses than they do now. Myth 8: The "excise tax" will encourage employers to reduce the scope of health care benefits, and they will pass the savings on to employees in the form of higher wages. Fact: There is insufficient evidence that employers pass savings from reduced benefits on to employees. Myth 9: This bill employs nearly every cost control idea available to bring down costs. Fact: This bill does not bring down costs and leaves out nearly every key cost control measure, including: * Public Option ($25-$110 billion) * Medicare buy-in * Drug re-importation ($19 billion) * Medicare drug price negotiation ($300 billion) * Shorter pathway to generic biologics ($71 billion) Myth 10: The bill will require big companies like Wal-Mart to provide insurance for their employees. Fact: The bill was written so that most Wal-Mart employees will qualify for subsidies, and taxpayers will pick up a large portion of the cost of their coverage. Myth 11: The bill "bends the cost curve" on health care. Fact: "Bends the cost curve" is a misleading and trivial claim, as the U.S. would still spend far more for care than other advanced countries. * In 2009, health care costs were 17.3% of GDP. * Annual cost of health care in 2019, status quo: $4,670.6 billion (20.8% of GDP) * Annual cost of health care in 2019, Senate bill: $4,693.5 billion (20.9% of GDP) Myth 12: The bill will provide immediate access to insurance for Americans who are uninsured because of a pre-existing condition. Fact: Access to the "high risk pool" is limited and the pool is underfunded. Only those who have been uninsured for more than six months will qualify for the high-risk pool. Only 0.7% of those without insurance now will get coverage, and the Centers for Medicare and Medicaid Services report estimates it will run out of funding by 2011 or 2012. Myth 13: The bill prohibits dropping people in individual plans from coverage when they get sick. Fact: The bill does not empower a regulatory body to keep people from being dropped when they're sick. There are already many states that have laws on the books prohibiting people from being dropped when they're sick, but without an enforcement mechanism, there is little to hold the insurance companies in check. Myth 14: The bill ensures consumers have access to an effective internal and external appeals process to challenge new insurance plan decisions. Fact: The "internal appeals process" is in the hands of the insurance companies themselves, and the "external" one is up to each state. Ensuring that consumers have access to "internal appeals" simply means the insurance companies have to review their own decisions. And it is the responsibility of each state to provide an "external appeals process," as there is neither funding nor a regulatory mechanism for enforcement at the federal level. Myth 15: This bill will stop insurance companies from hiking rates 30%-40% per year. Fact: This bill does not limit insurance company rate hikes. Private insurers continue to be exempt from anti-trust laws, and are free to raise rates without fear of competition in many areas of the country. Myth 16: When the bill passes, people will begin receiving benefits under this bill immediately Fact: Most provisions in this bill, such as an end to the ban on pre-existing conditions for adults, do not take effect until 2014. Six months from the date of passage, children could not be excluded from coverage due to pre-existing conditions, though insurance companies could charge more to cover them. Children would also be allowed to stay on their parents' plans until age 26. There will be an elimination of lifetime coverage limits, a high risk pool for those who have been uninsured for more than 6 months, and community health centers will start receiving money. Myth 17: The bill creates a pathway for single payer. Fact: Bernie Sanders' provision in the Senate bill does not start until 2017, and does not cover the Department of Labor, so no, it doesn't create a pathway for single payer. Obama told Dennis Kucinich that the Ohio Representative's amendment is similar to Bernie Sanders' provision in the Senate bill, and creates a pathway to single payer. Since the waiver does not start until 2017, and does not cover the Department of Labor, it is nearly impossible to see how it gets around the ERISA laws that stand in the way of any practical state single payer system. Myth 18: The bill will end medical bankruptcy and provide all Americans with peace of mind. Fact: Most people with medical bankruptcies already have insurance, and out-of-pocket expenses will continue to be a burden on the middle class. * In 2009, 1.5 million Americans declared bankruptcy * Of those, 62% were medically related * Three-quarters of those had health insurance * The Obama bill leaves 24 million without insurance * The maximum yearly out-of-pocket limit for a family will be $11,900 (PDF) on top of premiums * A family with serious medical problems that last for a few years could easily be financially crushed by medical costs Real health care reform is needed. But this bill falls short of that on many levels. |
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bobnightman
(OP) User ID: 914704 United States 03/21/2010 08:25 PM Report Abusive Post Report Copyright Violation | To have bitched an moaned all this time for nothing? Quoting: THORHow does it feel to sell out to communism? Here let me help you out... [link to en.wikipedia.org] [link to en.wikipedia.org] 12/21/12 |
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bobnightman
(OP) User ID: 914704 United States 03/21/2010 08:26 PM Report Abusive Post Report Copyright Violation | I'm sorry - what is a healthcare denier? Quoting: Anonymous Coward 920842Greedy people who want to deny healthcare to what is it?...32 million Who said anything about denying healthcare to anyone? Lie much dickhead? A no vote will deny coverage to 32 million 12/21/12 |
bobnightman
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Anonymous Coward User ID: 921731 United States 03/21/2010 08:29 PM Report Abusive Post Report Copyright Violation | I'm sorry - what is a healthcare denier? Quoting: bobnightmanGreedy people who want to deny healthcare to what is it?...32 million Who said anything about denying healthcare to anyone? Lie much dickhead? A no vote will deny coverage to 32 million Myth 6: This bill provides health care to 31 million people who are currently uninsured. Fact: This bill will mandate that millions of people who are currently uninsured purchase insurance from private companies, or the IRS will collect up to 2% of their annual income in penalties. Some will be assisted with government subsidies. |
noblesse oblige
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Anonymous Coward User ID: 920842 United States 03/21/2010 08:31 PM Report Abusive Post Report Copyright Violation | I'm sorry - what is a healthcare denier? Quoting: bobnightmanGreedy people who want to deny healthcare to what is it?...32 million Who said anything about denying healthcare to anyone? Lie much dickhead? A no vote will deny coverage to 32 million No one is being denied of anything. Liar, liar pants on fire! |
bobnightman
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grrttsgar
User ID: 921700 United States 03/21/2010 08:31 PM Report Abusive Post Report Copyright Violation | I'm sorry - what is a healthcare denier? Quoting: bobnightmanGreedy people who want to deny healthcare to what is it?...32 million Greedy???? I pay for my health care $160/month with a $750 deductible. If this passes and my taxes go up I will have to drop my coverage as will many Americans. Then Blue cross/Blue shield, Health plan of Nevada as well as many more will become financially impaired. So the Gov will bail them out with my tax dollars??? I don't get it where am I greedy??? Last Edited by grrttsgar on 03/21/2010 08:32 PM |
bobnightman
(OP) User ID: 914704 United States 03/21/2010 08:31 PM Report Abusive Post Report Copyright Violation | I'm sorry - what is a healthcare denier? Quoting: Anonymous Coward 920842Greedy people who want to deny healthcare to what is it?...32 million Who said anything about denying healthcare to anyone? Lie much dickhead? A no vote will deny coverage to 32 million No one is being denied of anything. Liar, liar pants on fire! How does it feel to lose after all that bitching? 12/21/12 |
Anonymous Coward User ID: 844945 United States 03/21/2010 08:32 PM Report Abusive Post Report Copyright Violation | |
bobnightman
(OP) User ID: 914704 United States 03/21/2010 08:32 PM Report Abusive Post Report Copyright Violation | I'm sorry - what is a healthcare denier? Quoting: grrttsgarGreedy people who want to deny healthcare to what is it?...32 million Greedy???? I pay for my health care $160/month with a $750 deductible. If this passes and my taxes go up I will have to drop my coverage as will many Americans. Then Blue cross/Blue shield, Health plan of Nevada as well as many more will become financially impaired. So the Gov will bail them out with my tax dollars??? I don't get it. You make more than $200,000 yr then? 12/21/12 |
It's hot here
User ID: 774404 United States 03/21/2010 08:33 PM Report Abusive Post Report Copyright Violation | To have bitched an moaned all this time for nothing? Quoting: bobnightmanBob I normally laugh both with and at you but this time, go fornicate yourself with an iron stick. This is nowhere near done. How does it feel paying for healthcare for illegal aliens and they're exempt from the taxes...or are you off the grid you fucking waste of air. Just lay back and watch our country go to hell, Barry will rock you to sleep. I can't wait for the revolt. It really is! I never drink water, fish fuck in it. W.C. Fields Ignorance and obscurantism have never produced anything other than flocks of slaves for tyranny... Emiliano Zapata |
bobnightman
(OP) User ID: 914704 United States 03/21/2010 08:34 PM Report Abusive Post Report Copyright Violation | To have bitched an moaned all this time for nothing? Quoting: It's hot hereBob I normally laugh both with and at you but this time, go fornicate yourself with an iron stick. This is nowhere near done. How does it feel paying for healthcare for illegal aliens and they're exempt from the taxes...or are you off the grid you fucking waste of air. Just lay back and watch our country go to hell, Barry will rock you to sleep. I can't wait for the revolt. Stop bitching and do something or...Shut the fuck up 12/21/12 |
It's hot here
User ID: 774404 United States 03/21/2010 08:37 PM Report Abusive Post Report Copyright Violation | I'm sorry - what is a healthcare denier? Quoting: bobnightmanGreedy people who want to deny healthcare to what is it?...32 million Greedy???? I pay for my health care $160/month with a $750 deductible. If this passes and my taxes go up I will have to drop my coverage as will many Americans. Then Blue cross/Blue shield, Health plan of Nevada as well as many more will become financially impaired. So the Gov will bail them out with my tax dollars??? I don't get it. You make more than $200,000 yr then? Wow, you really are an ignorant fuckstick aren't you bob? You must be one of those that lives in a FEMA trailer and is happy you'll be subsidized...only to find out that what you thought was a tax refund was garnished by the IRS for not getting enough HC...BTW, WHO THE FUCK are you to inquire about anyone's income? Most of us who work our asses off strive to make more than Walmart employees, I don't make 200k/yr but would like to. You're just a fucking hater who thinks anyone who has more than you stole it. God, our nation is ran by stupid people with even stupider people voting for them for the chance at a shiny new penny. It really is! I never drink water, fish fuck in it. W.C. Fields Ignorance and obscurantism have never produced anything other than flocks of slaves for tyranny... Emiliano Zapata |
Anonymous Coward User ID: 920842 United States 03/21/2010 08:38 PM Report Abusive Post Report Copyright Violation | Bob, you're nothing more than a sensationalist liberal tool looking to get a rise out of people. You constantly make inflammatory posts looking to start an argument. It's really quite pathetic actually. But have fun gloating about the communist take over. Maybe the party will give you an extra ration for being a good little soldier. |
Maguyver
User ID: 922072 United States 03/21/2010 08:39 PM Report Abusive Post Report Copyright Violation | No one is denied anything. You act like it can't be had by 32 million people. At 25 years old would you have purchased health insurance or a new stereo or ski trip? I asked you before and you leaped right past...how will this decrease your and my healthcare cost? Gimme just two. Adversity is inevitable, misery is optional. Do or do not. There is no try. "The enemy will never attack where you are strongest...He will attack where you are weakest. If you do not know your weakest point, be certain, your enemy will." Sun Tzu |
bobnightman
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bobnightman
(OP) User ID: 914704 United States 03/21/2010 08:40 PM Report Abusive Post Report Copyright Violation | No one is denied anything. You act like it can't be had by 32 million people. At 25 years old would you have purchased health insurance or a new stereo or ski trip? Quoting: MaguyverI asked you before and you leaped right past...how will this decrease your and my healthcare cost? Gimme just two. I don't care if it lowers my cost at all...Don't care...I am not greedy 12/21/12 |