[DJ-Matt]

(10-09-2013 02:45 PM)thegmanifesto Wrote:  

(10-09-2013 02:30 PM)It_is_my_time Wrote:  

That is why over 60% of the country is against it now. Why those 12% who are against it still voted for Obama (round about) in 2012, I have no idea.

Well, it was either Obama or male cheerleader Mitt Romney.

No red pill man could ever vote for a male cheerleader in good conscience.

He was a "yell captain" !

(only a few will get that)

[kaotic]

I'm bumping this because I want to better how Obamacare and the premiums that are being increased.

Some feminazi cunt basically played the i'm smarter here are facts and let me belittle you card in having a discussion about this.

And honestly she laid out her POV pretty well - which led me here to improve my understanding and views.

If anyone wants to PM me some info on what hopefully is an easy to understand article about Obama care and maybe separately the premium increases, I'd appreciate it.

I can send you a copy paste of her conversation about it.

Or you can post an explanation on here that would be greatly helpful.


Overall I want a better understanding for myself about this.

[AlphaRN]

It depends on your state. The premiums are going up across the board, after the election of course. In some states rates are doubling or tripling, just depends on the market in your state. Obamacare is doing exactly what it was designed to do, fail. The ``influx'' of young people getting plans to offset all the sick and elderly never happened. It was always designed to fail, but they at least thought they could tax young, healthy people for a few years until they could bridge the gap to social medicine. The thing is just falling apart faster then they wanted it too.

[kaotic]

Here are some of her points:

-Insurance companies are choosing what they price at
-Gov has no say in cost of premiums, otherwise it wouldn't be capitalism
-Healthcare has become a monopoly - insurance has more than 1 provider (includes private/public assistance) - the can create their prices in free market
-ACA is the only thing regulating this
-Floors and ceilings aren't regulated by government unless a monopoly or a special situation - or messes with free market
-Premiums is entirely up to provider and has nothing to do with only laws set in place if you were to switch providers

[Bear Hands]

Insurance premiums rise with risk that they will have to write a big check to someone with serious medical problems. A lot of net-takers signed up via Obamacare, which drove the premiums up because the insurance companies are being forced to assume more risk. It's not just the greedy side of capitalism in play. The insurance companies may be choosing a higher than necessary price, but the ACA creates market forces that necessitate an increase for insurance companies to remain solvent and profitable.

Insurance is not a public provision, no matter how much ACA believes want it to be. They exist to make profit, and if they're not allowed to make profit, they just won't do business. It's disingenuous to say the ACA is regulating the price when the ACA is the main driver of the price increase because of the forced assumption of extra risk. The choices for coverage are extremely limited in most markets, if there's even a choice at all. Many of the insurance companies are finding it's not worthwhile to do business in certain states, and they're just withdrawing from those markets, limiting consumer choice.

A woman who gets mad that a business can choose not to do business should have to explain why she doesn't have to give out blowjobs to everyone she meets who wants one. It's just greedy for her not to provide her services for what the consumer is willing to exchange.

[Easy_C]

(11-07-2016 02:14 PM)kaotic Wrote:  

Here are some of her points:

-Insurance companies are choosing what they price at
-Gov has no say in cost of premiums, otherwise it wouldn't be capitalism
-Healthcare has become a monopoly - insurance has more than 1 provider (includes private/public assistance) - the can create their prices in free market
-ACA is the only thing regulating this
-Floors and ceilings aren't regulated by government unless a monopoly or a special situation - or messes with free market
-Premiums is entirely up to provider and has nothing to do with only laws set in place if you were to switch providers

That's extremely disingenous. Government isn't mandating how they price their product...true, but let's look at what comprises a revenue. Revenue - Expenses = Profit. In order to maintain a break even (profit > 0) in a situation where expenses are rising exponentially, you need to rise revenue to match. So they aren't directly setting prices but they're sure as hell controlling the inputs to that price.

[getdownonit]

http://obamacarefacts.com/obamacare-rate...0-20-rule/

The ACA is designed to control costs

Quote:

Medical Loss Ratio / 80/20 Rule – Insurance companies have to spend at least 80 percent of premium dollars on claims and activities to improve health care quality. 85% in large group markets.

The medical loss ratio, or 80/20 rule, helps to decrease the growth in premium rates. Since insurance companies have stricter regulations on what they can spend your premiums on there is less incentive for them to inflate rates.

The 80/20 Rule generally requires insurance companies to spend at least 80% of the money they take in on premiums on your health care and quality improvement activities instead of administrative, overhead, and marketing costs.

The 80/20 rule is sometimes known as Medical Loss Ratio, or MLR. If an insurance company uses 80 cents out of every premium dollar to pay for your medical claims and activities that improve the quality of care, the company has a Medical Loss Ratio of 80%.