Where Do We Go from Here? POLL

Discussion in 'Health Care Reform Forum' started by Yagents, Jul 18, 2017.

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Where do we go from here? POLL

Poll closed Aug 17, 2017.
  1. Nothing - No ACA fixes - status quo

    29.8%
  2. HHS Rulings and band aid bills

    17.5%
  3. Hail Mary repeal and/or replace bill

    17.5%
  4. A bipartisan bill to fix ACA

    35.1%
  1. Key2Success
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    Key2Success Well-Known Member

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    Are you a racist?
     
  2. nylife11023
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    nylife11023 Well-Known Member

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    It is a clown show!


    https://www.washingtonpost.com/news...8f56c30fb04367954329a/?utm_term=.ea6c3713d4f6

    --Seven (seven!) Republicans voted yesterday against a repeal-only bill -- even though nearly all of them voted for the same bill back in 2015, when it was assured President Obama would veto it. The defectors included: Sens. Susan Collins of Maine (she was the "no" vote previously), Lamar Alexander of Tennessee, Shelley Moore Capito of West Virginia, Dean Heller of Nevada, John McCain of Arizona, Lisa Murkowski of Alaska and Rob Portman of Ohio.
     
  3. TN_agent
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    TN_agent Well-Known Member

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    As a member of the Senate, he would have the option to take dc healthlink exchange for coverage (Obamacare plans through the DC SHOP exchange). Not the cherry FEHP, not even close.

    Or, as an 80-year-old, he might be on Medicare with private supplement.

    Or, as a POW/disabled vet he might get VA/Tri-care benefits.

    So, you want to eliminate his government-paid-for VA/tri-care benefits?

    Or, Medicare, which one? Or a combo of both?
     
  4. junkman
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    junkman Well-Known Member

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    @TN, McCain can do as he pleases. My point is that the good folks making decisions on how to respond to current cluster **** that is ACA need to have some skin in the game and have an objective other than avoiding blame.

    That said, there is no reason for the VA to do a poor job of duplicating what is readily available in the market. One of the employees at the gym was wounded in one of the recent skirmishes and has had several surgeries at the VA. He has to wait an exceedingly long time because the VA doesn't have enough capacity to handle the load. I think providing services that are not available in the private would be a better use of our dollars. The VA could for example set up some services treating PTSD.

    Re: Medicare, I am not a fan of the current plan design. The low deductibles and up front claims paid are expensive ant the 20% liability is unlimited. I am a big fan of HDHP plans especially for those people with money.

    Re individual health insurance, if all in government were forced onto whatever program and required to pay the full unsubsidized premium, they would be more amenable to coming up with a plan. That may mean as a condition of being in Congress, they are required to enroll in ACA or the next iteration regardless of anything else that they are eligible for.

    The current proposals are simply a poor attempt to look like something is being done and offer no solutions - at all. The current proposal to eliminate the mandate while keeping the pre-ex limits is a sure fire way to guarantee that premiums will jump upwards of 60% and have more carriers drop out.

    Carriers know how to run a block of business and the proposals violate all of the requirements. Congress needs to enroll in and pay their premium for whatever they come up with for the rest of us. This has moved past the point where it is no longer amusing and people from the middle class down will be hurt.
     
    Last edited: Jul 27, 2017
  5. Yagents
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    Yagents Well-Known Member

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    Everyone ready for Trump's hissy fit that is coming? CSR games?
     
  6. bluemarlin08
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    bluemarlin08 Well-Known Member

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    It was a bad bill, GOP has no clue. As long as insurance companies are not allowed to underwrite, premiums will never come down.
     
  7. scagnt83
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    scagnt83 Well-Known Member

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    Premiums are not the real problem. Premiums are just a symptom of the exploding Cost of Care. But I agree that it was a bad bill and that the GOP has no clue... I would extend that to all of Congress.

    ----------

    I applaud McCain for standing by his morals. We need more Congress-members voting with their heart and soul, not just because party leaders tell them to vote that way. But at the same time, its time they come together and act like adults to at least change things that they are able to agree on as a majority.
     
  8. FLM2
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    FLM2 Well-Known Member

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    What's needed (to start) are these three things (neither likely to happen):
    • A bipartisan approach to find the right solution.
    • A recognition that the tail (individual market plus uninsured, which represents less than 20% of the population) is wagging the dog-the group market and Medicare are 2/3 of the population, neither are broken, why mess with it?
    • Maintaining Medicaid benefits in full for the people who truly need it is really important

    Here is the breakdown on how people are insured: http://www.kff.org/other/state-indi...0&sortModel={"colId":"Location","sort":"asc"}


    ACA 'failed' mainly because it is too complicated and too many special interests are served (also because of the Obama 'if you like your plan, keep it' big lie). There are solutions that would work within parameters that should be acceptable to both sides of the aisle, it's time our elected officials put people in front of politics and did this the right way.
     
  9. scagnt83
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    scagnt83 Well-Known Member

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    Because Group is one of the biggest things causing problems for the 20% who are not covered by Group or Medicare.

    Group Insurance is destroying our economy.
    - It gives big corporations a huge edge
    - Stifles competition among companies
    - Stifles competition in the job market (hurting employees big time)
    - And it distorts the risk pool among insurers on a national level (excluding a large portion of lower risk insureds)
    - It distorts the view of the majority of citizens to the true cost of insurance (since the employer keeps picking up more and more of the tab over the years)

    Im saying this as an agent who still provides group health to clients. I would be happy to give up that income for the best interest of the country.

    Also, Group is not broken, but it is increasingly becoming more and more unaffordable. If it keeps at the same rate you will see small business start to drop it in large numbers. My groups got a 17% increase on average this year if I remember correctly. And most have switched to higher deductibles vs. where they started.
     
  10. FLM2
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    FLM2 Well-Known Member

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    We'll have to agree to disagree on the group aspects-my small groups haven't had those types of increases the past two years and I seen the availability of group health insurance as a positive as it gives people an incentive to work as well as an ability for businesses to attract top people. And that is based on many years working in Silicon Valley (before entering the insurance business) as well as the past 11 years doing health insurance.
     
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