I think PPACA is a good thing overall, but it's a cost to healthy people. I signed up for a one-year non-compliant plan on 12/31/13, so I can stay non-compliant through this year.
As well, I live outside the country. I am compelled under penalty to have US healthcare even though I cannot take advantage of it. No one in govt thinks out the consequences of anything except their power
it is so wonderful that 7.1 million people out of 300M people signed up. Only 85% have paid, so we're down to 5 million. BUT 5 million people LOST their private insurance due to the passing of the law, so they were without insurance. Many of them signed up so they would have SOME insurance at premiums much higher than their former insurance. How many previously uninsured people does that leave who signed up? It is a net loss and a complete failure. You often make statements that are broad like "a good thing overall" without quantifying why.
Here are the quick reasons why I think it's good overall (never said it's wonderful)" 1. Prior to ACA, we had an informal "system" in which people paying full price paid for care for the poor/uninsured. To reduce this, consumers bought "insurance" policies that negotiated the rates down, so they were paying for less of uninsured. Forcing people to purchase insurance or having funds available, solves this problem. Refusing people care until some individual voluntarily pays would be a fairer solution, but I don't see that as being on the table. So given the choice between what we had making everyone buy insurance, I support the latter. 2. The model of insuring against unexpected medical costs as we insurance against fire or car accidents is breaking down b/c we can predict many illnesses long before they occur. 3. It eliminates the labor mobility problem of tying insurance with a job. That idea was horrible from the outset. People got sick and felt pressured to stay at a job to maintain the same insurance, preventing them from moving with the changing labor market.
The main bad thing for me is my family is reasonably healthy. We paid $400/mo for a policy with a $10k deductible. They measured our weight, blood, and asked us a million questions, including long questions about the time I threw out my back shoveling snow, so they know our risk profile is low. The premium will go up to $800 b/c our insurer said they expect an influx of people signing up who previously couldn't get an inexpensive policy. The premiums may go down after that. They say they're freaked b/c they don't know how to measure this risk and the rules keep changing. So we signed up for a non-compliant plan. We'll have to go on a compliant plan as of Dec 31 of this year. I did the non-complaint plan b/c I felt like it was like finding $5k that I'm legally entitled to lying on the ground. We picked it up.
Are you near Madison? This is the second time you've made these cheap insults. I asked you to send me a PM with your info and maybe we can work out an event we're both attending to say hi. You should say this stuff to my face.
You don't even know me, as far as I know, and you keep making claims about me. You need to stop by when you're in town, or the personal stuff is meaningless.
1. Prior to ACA, we had an informal "system" in which people paying full price paid for care for the poor/uninsured. To reduce this, consumers bought "insurance" policies that negotiated the rates down, so they were paying for less of uninsured. Forcing people to purchase insurance or having funds available, solves this problem. Refusing people care until some individual voluntarily pays would be a fairer solution, but I don't see that as being on the table. So given the choice between what we had making everyone buy insurance, I support the latter.
2. The model of insuring against unexpected medical costs as we insurance against fire or car accidents is breaking down b/c we can predict many illnesses long before they occur.
3. It eliminates the labor mobility problem of tying insurance with a job. That idea was horrible from the outset. People got sick and felt pressured to stay at a job to maintain the same insurance, preventing them from moving with the changing labor market.
The main bad thing for me is my family is reasonably healthy. We paid $400/mo for a policy with a $10k deductible. They measured our weight, blood, and asked us a million questions, including long questions about the time I threw out my back shoveling snow, so they know our risk profile is low. The premium will go up to $800 b/c our insurer said they expect an influx of people signing up who previously couldn't get an inexpensive policy. The premiums may go down after that. They say they're freaked b/c they don't know how to measure this risk and the rules keep changing. So we signed up for a non-compliant plan. We'll have to go on a compliant plan as of Dec 31 of this year. I did the non-complaint plan b/c I felt like it was like finding $5k that I'm legally entitled to lying on the ground. We picked it up.