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This article really didn't draw any earth shattering conclusions. It basically said "it depends" . . . .ridiculous. Why bother with this analysis at all?
Random Thoughts, Ramblings, Ideas, Questions, Etc..
- Thread starter AllenChicago
- Start date
This article really didn't draw any earth shattering conclusions. It basically said "it depends" . . . .ridiculous. Why bother with this analysis at all?
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My favorite female agent in AZ says something like this all the time: The future belongs to the brave, the quick and the adaptable. And if you are one of the "small agents" thinking of getting out, I really think you should do that ASAP.
Why would you say that? I'm a small agent and plan on continuing. I may change the focus of my business, but don't plan on exiting anytime soon. There's still a need for those of us who focus on service and enjoy the relationships we have with our clients. I'm trying to mechanize as much as possible through data and software tools so I don't have to hire permanent employees.
Because all of those screaming "get out" leave more people for me. And you.
This is a numbers game. Always has been. The more people you talk to, the more policies you sell.
Some people will always want a person instead of the internet or an 800 number. I want as many of those as possible.
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Overload the system and bring the nation to it's knees. Liberals have been trying for years and may have finally succeeded. Our domestic enemies are almost worse than our foreign ones.
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Yagents, what do you think of Tom Price's Empowering Patients First Act?
By my eyes it follows the suggestions of economists closer than any other bill that I've seen so far. It dismantles medicaid, replaces it with insurance vouchers, gives an age based tax credit, keeps insurance guaranteed issue, and ditches the rigidity of plan options available.
People are generally risk aversive. The only reason to consider paying for insurance riskier than buying insurance is a lack of information. So, information would substitute for the mandate. This means that the real problem is achieving greater transparency and publicity of the real costs of medical treatments.
Anyone that still doesn't get it after that probably wouldn't comply with the mandate either because the issues, belief systems, or substances preventing them from rational thinking would probably also prevent them from participating in an open enrollment.
This is an interesting article but one thing stands out to me as it relates to most of us who regularly participate in this forum:
We are anomalies in this business as most of us fall in the '1-5' size range but fully take advantage of technology and online tools.
How anyone can run a health insurance business today without doing things online/electronically is beyond me, I just don't get it.
I did have a conversation with another health agent last year (works for Insphere) and he said that all of his Exchange apps were done by phone with the Marketplace and a 3 way call so maybe there are lots of low tech agents falling into that category-that is a business model sure to fail for a variety of reasons.
I only do 3 way calls with HC.gov if I'm on the golf course.
Oregon, I'm a big proponent of HSA's for a decade (see my website Welcome to HSA Consumer. The HSA Portal for HSA Owners. Learn how to SAVE and SPEND your Health Savings Account. ?
Anything that injects consumerism/transparency is a must to drive down the high cost of health care. We need to get back to the roots of the definition of "insurance". IN fact, I'd be all for a national insurance program where everyone has a 10k deductible, premium paid for with taxes, and out of pocket costs running through an HSA. Give the poor a lump sum in their HSA each year, they keep if not used.
Oregon, I'm a big proponent of HSA's for a decade (see my website Welcome to HSA Consumer. The HSA Portal for HSA Owners. Learn how to SAVE and SPEND your Health Savings Account. ?
Anything that injects consumerism/transparency is a must to drive down the high cost of health care. We need to get back to the roots of the definition of "insurance". IN fact, I'd be all for a national insurance program where everyone has a 10k deductible, premium paid for with taxes, and out of pocket costs running through an HSA. Give the poor a lump sum in their HSA each year, they keep if not used.
justthefacts
Expert
- 43
Transparency is great the reforms will help but the elephant in the room is the over treatment of all of us for the financial gain of every type of medical provider. I predict the for profit system we have will resist any meaningful attempt at any reform that will affect there bottom line. Here is today's healthcare riddle --two states that have enacted real healthcare tort reform and have some of the lowest malpractice premiums now have the proud distinction of having the highest medicaid and medicare inflation rate.
More info on Price's plan. Me like it for the middle income. Not enough for lower income who are older.
No, Obamacare's Complexity is Not a Good Thing | The Weekly Standard
No, Obamacare's Complexity is Not a Good Thing | The Weekly Standard
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