Here It Comes: Governement Health Plan

[Dave020]

I could be wrong, but what if the Feds say "if you don't provide a health insurance certificate to your boss or to us, we'll just take a premium out of your paycheck"... like they do for Medicare, etc.

Actually, this is exactly what has come out in the last 48 hours. Now they want to tax employees with good group health plans for the premiums, as well as the employers. No more pre-tax premiums for group health, no more tax deduction for the employer contribution.

TTBOMK people without children pay school taxes.

Only if they own a home, at least in Santa Clara county.

Show me how to keep the current private sector and still provide a system to CONTROL health care costs (which is the crux of the problem) and we'll listen. But all I hear from you guys is "It's all those immigrants who are causing health care to be so expensive." Or I hear "The government screws everything up"... but I have not heard any of you advocate the abolition of Medicare or SSI, etc.

Why did you own county as well as 5 others recently shut down all non-emergency medical services for low income and illegals? Guess they have trouble controlling costs too, huh?

We ARE going to get a new health care finance system.

No doubt. How it will finally look is, at present, anyone's guess.

If you have a good idea, write it up, send it to the President and copy your legislators and clients and post it on your website.

If you do that and you don't get you way, THEN you have a right to bitch. But not until you get off you big fat Rush Limbaugh ass and DO SOMETHING.

Legislators don't listen to agents. They DO listen to groups like NAHU. You are aware that at least some of us are members of NAHU. I pay them to do if for me in dues and PAC money.

There must be upwards to 1,000 agents on this board who would give their first-born to preserve the current system.

Pft! I know lots of health agents on this forum, and none of them are at all happy with the current level of declines, rate ups and risk pool business. Agent's make more money when they don't lose 20%+ of their prospective clients to medical underwriting issues.

If you want to see YOUR ideas brought to the table, then do something about it! What a bunch of cry babies we have in this venue.

Just a thought.

Al

My ideas, and those of many other agents are put into the hands of organizations like AHIP, NAHU, NAIFA who are specialists at working with politicians and government administrations. Kind of like AARP is a specialist for seniors. Should every senior write about crappy Part D, or should they let their dissatisfaction be brought to the power people by AARP? I would suggest AARP carriers more weight in Washington that a group of disgruntled seniors writing lots of letters. Same for agents.

I am sure more than a few agents on this forum have and will continue to correspond with and receive input from those oganizations.

 

[moonlightandmargaritas]

Dave, you make way too much sense.

 

[Crabcake Johnny]

Al,

I for one think the current system is broke and if I could earn 5% comp writing GI plans I'd vote for it in a heart beat.

Currently my rate increases greatly out pace my income and I can only play musical chairs for so long until someone in my family becomes uninsurable.

Then 15 years from now I'm paying $1,600 a month for a $10,000 ded plan. If you think I like the current system you're nuts.

 

[Dave020]

Al,

I for one think the current system is broke and if I could earn 5% comp writing GI plans I'd vote for it in a heart beat.

That's my world. I write 90% of my IFP business on HIPAA. It's GI so I have zero declines, which is nice. My average commission across the carriers to do it is roughly 3%. High end 5% low end 1% (carrier rhymes with Jetna LOL).

Long term I am working for about 70% less than the commensurate IFP plan model. I make it work. More importantly, I get health insurance in place for uninsurables.

 

[moonlightandmargaritas]

Al3's non-bankrupt state of California

I don't think he lives in California. I think he lives in Sacramento.

 

[Crabcake Johnny]

I'm there now. I write a fair amount of MHIP at $100 flat comp. And you know what? I LOVE taking my clients to the MHIP site, showing them comprehensive and affordable coverage and listening to their reactions.

Not everyone's health is under their control. A lot of people simply get dealt a bad hand.

 

[Trollsome]

Just one leeetle thing that many are ignoring: universal health care is unconstitutional. Omama took an oath to the Constitution as well as the other sow politicians (sans Paul and a few others) of both parties. They should be in jail for breaking the supreme law of the land! Read "Not Yours to Give" by Col. David Crokett. It can be found on Ron Paul's site, or can be googled anywhere.

I can't wait for the next Tea Party to attend!

Semper Fi!

 

[Crabcake Johnny]

Is mandatory car insurance constitutional?

 

[Dave020]

I do some MRMIP, although I would bet it is not as afforable as MHIP and now there is a waiting list to get in (about 6 months give or take).

I get $50 per application. HIPAA rates in CA are set by MRMIP (MRMIB) in guidance, so anyone HIPAA-eligible would make a mistake going to MRMIP instead.

HIPAA CA are duplicate of the base undewritten plan whereas MRMIP limits to $75k per year max benefit and $750k lifetime max (very low).

 

[bluemarlin08]

You young neo-cons with your entitlement mentality are so lazy... you want "it all" without working for it


Now what group of people are you talking about? Seems the folks with the entitlement mentality are mostly black.