General Discussion
Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsPA advocates want single payer; 'Obamacare' doesn't go far enough
http://www.pnhp.org/print/news/2013/january/pa-advocates-want-single-payer-obamacare-doesnt-go-far-enough
But about five years ago, things changed. Goulden was diagnosed with chronic liver disease and as he watched his insurance premiums skyrocket, he said he realized why he had never before had a problem with the company - he had never been sick.
"They pushed me out," Goulden said. "I faced the possibility of losing everything I had worked for."
Now a member of the local organization, Adams Hanover Health Care 4 All PA, Goulden works to share his story with others and to push Pennsylvania past President Obama's Affordable Care Act toward what the group believes are even stronger health-care reforms.
After his diagnosis, Goulden said, he quickly recognized the need for sweeping changes. His insurance premiums rose from $300 to $3,100 a month. As the company continued to raise its prices, Goulden said, it simultaneously tried to drop his policy.
Later, he said, the insurance company demanded he submit his federal tax returns to prove that he had a legitimate business.
"The tax returns show how much money I make, so they could use that information to know how much they could charge me in order to push me out," Goulden said. " I called legislators and asked, 'How can they possibly do this?' And I found out that they can. There is no regulation about what they can require you to submit."
So before long Goulden was forced to drop his policy and go without insurance, despite his critical medical condition.
Scuba
(53,475 posts)Huge K&R. My family experienced very similar treatment.
Your insurance company will always be there for you if you don't need them. They're now in the business of selling policies, not paying claims.
djean111
(14,255 posts)What happens to this man when he is forced to buy private insurance?
Will he have to pay the ridiculous premiums, or will he have to buy a policy that doesn't really cover his needs?
Private insurance is still guaranteed a profit, and it seems they see people as individual profit centers, not as a group with shared risk.
Hopefully it is not considered Obama-bashing to want single payer. And to work and agitate and demonstrate for it.
Full disclosure - I watched a loved one die of liver disease (no, he did not drink or take drugs, it was not "his fault"; I got that attitude a lot) while the insurance companies and hospitals haggled and delayed over who would get the jackpot money for the transplant. And he worked for a huge company and had a Cadillac health plan. Once the liver fails there is a cascading thing, and everyone just agreed solemnly that he had been a very sick man. Here's the bill. Oh, we don't recommend an autopsy.
Kolesar
(31,182 posts)That's what it would cost me on a "health care exchange" once those start in one year.
djean111
(14,255 posts)If people start to HAVE to pay more and more of their disposable income to insurance companies, then they will not be able to buy things like food and clothes and houses. Talk about a cascading effect! Perhaps higher and higher premiums will put people into government health care by default?
I think the current way that the ACA deals with increasing premiums is to send a sternly worded letter and a frownie sticker. The insurance companies have quickly learned to ask for a huge increase, then settle for what they likely wanted in the first place - there is, after all, always next year, and the next.
Wouldn't it be lovely if all enterprises were guaranteed a profit?
LWolf
(46,179 posts)More than my son's mortgage+taxes+insurance. He's a first time buyer and didn't come into the house with a large down payment.
YES. Paying as much for health care "coverage" as for a mortgage is a ridiculous price.
Will that "coverage" be complete, or will there be deductibles and copays in addition?
Earth_First
(14,910 posts)Kolesar
(31,182 posts)Kolesar
(31,182 posts)$9000/year is for people in their late fifties, which will be the age for me when I lose employer health coverage. Actually, it might be less than $8000/year. ACA allows higher premiums for older people.
People within 400% of the poverty line will get a tax credit, and possibly a check from the Treasury/IRS to help with premiums. The tax credit could be 90% of premiums for people with an income <$20,000/year, if I recall correctly. Hence, my premium might be $900/year. I have not read the plan for a long while. http://www.healthcare.gov
Copays and deductibles will depend on the plan one buys. I could buy cheaper coverage with a large annual deductible.
LWolf
(46,179 posts)according to income doesn't negate the fact that an insurance premium should not approach the amount of a mortgage.
Especially when that premium is not the only cost for people who use that insurance.
HughBeaumont
(24,461 posts)They're the reason we can't have nice shit. You know, unless you're a multi-millionaire.
Victor_c3
(3,557 posts)It needs to go further and we need to disconnect ourselves from the "turn everything into a privately owned profit engine" mentality.
brooklynite
(94,376 posts)...rather than enshrine the concept that everyone (with Govt support) should have health insurance, let the law become permanent and address the flaws later?
LWolf
(46,179 posts)That's how Republicans make gains; all their crap is on the table, and after it's been there over and over, it finds its way into policy.
stevenleser
(32,886 posts)LWolf
(46,179 posts)which wasn't supported by a majority of Democrats, nor have I forgiven any of them for not supporting it.
I'm talking about the table that produced the ACA.
But I think you knew that.
djean111
(14,255 posts)It is later now.
We see the flaws.
But I, for one, think that making private insurance mandatory is a huge huge flaw.
Kolesar
(31,182 posts)Demo_Chris
(6,234 posts)reteachinwi
(579 posts)lets states do a single payer.
http://www.insurancejournal.com/news/east/2012/07/02/254158.htm
bluestate10
(10,942 posts)PA Democrat
(13,225 posts)Fortunately my illness was caught in the very early stages and I did not have huge medical bills. I also was well enough to fight the filthy SOBs and got them to pay up after threatening to sue them.
I cannot express how much I HATE these profiteering murderers. There is no other word for people that put profits over providing coverage that they CONTRACTUALLY agreed to provide.