Obamacare's Website Is Crashing Because It Doesn't Want You To Know How Costly Its Pl

[Hasbinbad]

Originally Posted by r00t [You must be logged in to view images. Log in or Register.]

A Manhattan Institute analysis [...] found that, on average, the cheapest plan offered in a given state, under Obamacare, will be 99 percent more expensive for men, and 62 percent more expensive for women, than the cheapest plan offered under the old system.

what are the substantive differences between those plans?

just because they are both "the cheapest" does not mean they give equal benefits

i would need this information before i could form an opinion on your quote

[Recycled Children]

Don't ask how everyone can be insured, ask why healthcare is so expensive.

[DrKvothe]

Insurance providers can't drop your coverage after you get sick, and they can't discriminate against you if you sign up AFTER you get sick. Costs are going to go up, on average.

My issues with Obamacare are the failure to hit the heart of certain health care costs.

1) Medical device tax. This gets passed directly to the consumer, and thus through Obamacare increase everyone's insurance slightly. Medical device costs are disproportionate to the cost of developing these devices. We need more competition to reduce these costs to merely the cost of development plus a healthy payoff to investors.

2) Medicare bargaining. Some of the most expensive treatments are those that treat medicare patients disproportionately (never thought I'd use this word so often). Altering medicare's bargaining power to be more similar to the VA's system could reduce costs of medicine and thus insurance costs to everyone.

3) Research funding. Platforms for drug discovery have shifted over the last 50 years. Natural product research repeatedly rediscovers known compounds providing ever-diminishing rates of new drugs. Synthetic combinatorial libraries yield incredibly low hit rates coupled with frequent late-stage clinical trial failures, dramatically reducing the yield and increasing the cost of this discovery platform compared to the promise it showed decades ago. New platforms for drug discovery are required in order to adequately fill the drug pipeline and provide sufficient options so that anything resembling competition between similar drugs occur. Ever wonder why we pay 40+% more for a given drug than other civilized countries? Ever wonder how major drug companies continuously make 10-15% profits regardless of expenses? They set the price to make profits that seem reasonable based on their multi-billion dollar investments. The risk isn't real, since the prices are set to guarantee that profit margin. We need to increase our investment in the crazy new drug discovery platforms that are rampantly discussed in academia.

4) Tort reform. Doctors frequently over-test to insure they can't be sued. Doesn't matter if this is a state by state reform or national reform. Doctors shouldn't be required to waste our money to avoid being sued.

5) Minimum wage. The more young people sign up for Obamacare, the cheaper rates get for everyone. Tax penalties will be 1% next year, and will steadily increase to 2.5% iirc. If we increase minimum wage to the actual cost of living, more people will choose to pay for stupidly expensive insurance rather than pay a big tax for nothing. Numerous studies show that increasing the minimum wage has a net zero effect on the number of jobs and can easily be absorbed by the businesses paying minimum wage.

6) Employer mandate. The beauty of Obamacare is that it forces personal responsibility by taxing those who refuse to contribute by purchasing health insurance. The individual mandate makes sense, but the employer mandate does not. It gives companies that would have switched to part time employees an very convincing excuse. The federal government shouldn't set itself up to be anyone's scapegoat. Increasing the minimum wage should do what the employer mandate attempts to do, anyways. Imagine being reduced to 30 hours of work, being told Obamacare is to blame, and then being required to buy your own insurance with your substantially reduced wages. People won't be happy.

I'm really drunk, I hope all that made sense.

[Recycled Children]

It's in everyone's best interest who doesn't have medical insurance to not buy into Obamacare. Pay the fine every year and then when shit does south with your health just get medical insurance because you can't be denied.

[Estolcles]

This is one of those rare times I'm glad I'm disabled and already have full coverage insurance.

[DrKvothe]

Originally Posted by Recycled Children [You must be logged in to view images. Log in or Register.]

It's in everyone's best interest who doesn't have medical insurance to not buy into Obamacare. Pay the fine every year and then when shit does south with your health just get medical insurance because you can't be denied.

Unfortunately there's some truth to this. As the penalties increase, the 2.5% tax for nothing should easily be outweighed by paying for health insurance in exchange for...having health insurance.

If you're caught without health insurance when you get sick, you can subsequently get health insurance at a more than fair rate. However, the price while you were uninsured won't be reimbursed to you, and those initial costs can be extremely burdening.

[r00t]

My boss goes berserk over how much Obamacare is going to fuck our company and I work, ironically (need hbb irony approval), for an insurance branch

[Recycled Children]

Originally Posted by r00t [You must be logged in to view images. Log in or Register.]

My boss goes berserk over how much Obamacare is going to fuck our company and I work, ironically (need hbb irony approval), for an insurance branch

Watch everybody get hit with part-time hours.

[Maddox]

Coverage for pre-existing conditions doesn't start until 1/1/2014.

Let's see how your premiums are once insurance companies have to cover previously un-insurable people. Regardless of your viewpoint, this is a statistics and math problem. Insurance companies can charge everyone dramatically more or go out of business.

This is the first real step towards fully nationalizing health insurance.

[Slug]

Originally Posted by Maddox [You must be logged in to view images. Log in or Register.]

Coverage for pre-existing conditions doesn't start until 1/1/2014.

Let's see how your premiums are once insurance companies have to cover previously un-insurable people. Regardless of your viewpoint, this is a statistics and math problem. Insurance companies can charge everyone dramatically more or go out of business.

This is the first real step towards fully nationalizing health insurance.

Yes, because there is no medium between charging people dramatically more, and going out of business. Alternatively, insurance companies could maybe just make hundreds of millions instead of billions in profit.

This whole thing is lol anyway. Five years from now neckbeards and small businesses will be saying 'what ever did we do before Obamacare?!?'