General Discussion

pnwmom

(110,255 posts)

56. Because not mandating has been tried -- and failed.

Fri Jul 26, 2013, 07:21 PM

Jul 2013

New York State for a long time has had insurance available to all that has NOT been mandated. Consequently, people have only joined it when they need expensive care, and the rates have gone up and up as the pool consists only of sicker and sicker people. The only way to lower the average rate is to bring healthy people into the pool. But since ANYONE could get in a car accident or develop cancer ANY TIME (they're deluded if they think otherwise), this is fair.

And you're wrong about there being nothing in the legislation that forces insurers to lower rates. There is a provision that requires insurers to pay at least 80% of premiums on actual health care, not administrative or marketing costs, and that has already resulted in some insurers having to pay rebates to their customers.

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Maryland Unveils Obamacare Prices - Among Lowest in the U.S. [View all] ProSense Jul 2013 OP

These changes are great! But why is participation mandated? leftstreet Jul 2013 #1

Krugman disagrees with you. Read his piece. n/t ProSense Jul 2013 #3

Why do objects fall? And don't give me any of that blah blah about gravity cthulu2016 Jul 2013 #4

bahahhaha! yup. hey, why do seat belts work? and don't give me any crap about Pretzel_Warrior Jul 2013 #11

It's a miracle! zappaman Jul 2013 #75

So you want any response other than the actual answer Recursion Jul 2013 #5

REALLY?! Seniors get fined if they don't buy Medicare? leftstreet Jul 2013 #8

yes in both cases Recursion Jul 2013 #19

Retired seniors don't pay those leftstreet Jul 2013 #24

Because they've already paid them. jazzimov Jul 2013 #40

They paid in advance, prior to being retired. n/t Gore1FL Jul 2013 #43

Of course they did. Also, seniors pay Medicare premiums Recursion Jul 2013 #59

Actually, a premium is taken each month from their social security for Medicare Mass Jul 2013 #81

you have no idea what you are talking about. madrchsod Jul 2013 #62

Paying Medicare levies is ABSOLUTELY mandatory Recursion Jul 2013 #65

you know nothing about insurance. Pretzel_Warrior Jul 2013 #7

I know a lot about nonprofit single payer leftstreet Jul 2013 #9

well a couple of conservadems and 100% of Repukes didn't offer that option Pretzel_Warrior Jul 2013 #12

Democrats arrested single payer advocates leftstreet Jul 2013 #14

your brief accusation screams for more detail Pretzel_Warrior Jul 2013 #18

You need to learn how to use the Google, leftstreet is right. A Simple Game Jul 2013 #76

You said you know a lot about single-payer jazzimov Jul 2013 #28

1 less time than proposed bank bailouts n/t leftstreet Jul 2013 #29

Wrong! jazzimov Jul 2013 #33

I'm going to guess. Bernie? nt valerief Jul 2013 #77

I would LOVE a single-payer jazzimov Jul 2013 #16

And because Ted Kennedy died when he did, changing the composition of the Senate. pnwmom Jul 2013 #57

I would love a single payer system! Just Saying Jul 2013 #31

LOL you both typing off the same script? leftstreet Jul 2013 #32

Yes, it's called "REALITY". jazzimov Jul 2013 #35

No, we're agreeing with each other. Just Saying Jul 2013 #36

Yep! nt jazzimov Jul 2013 #38

Apparently not, if you think it is non-mandatory Recursion Jul 2013 #60

paying into it is a payroll tax. no ifs, ands, or buts. we are taxed on our wages Pretzel_Warrior Jul 2013 #68

Well, sure; you don't have to use your insurance under ACA either Recursion Jul 2013 #69

So, you know that people pay for it? Mass Jul 2013 #82

I disagree. In fact, jazzimov Jul 2013 #13

It is not like SS and Medicare. Not at all leftstreet Jul 2013 #15

How about Medicare Advantage? Pretzel_Warrior Jul 2013 #20

A scam on the working class n/t leftstreet Jul 2013 #26

A scam perpetrated by those same Insurance jazzimov Jul 2013 #30

medicare advantage is not a scam! madrchsod Jul 2013 #70

I didn't call it a scam. But it is a part of Medicare that often involves paying premium to private Pretzel_Warrior Jul 2013 #71

opps..i did`t mean you said that... madrchsod Jul 2013 #73

lolol. enjoy. I'm off to pick my little son up from day care. cheers. Pretzel_Warrior Jul 2013 #74

Its a private plan..... Historic NY Jul 2013 #85

You missed my point. jazzimov Jul 2013 #22

Rates would be lower because the insurance wouldn't just have older and sick people insured. Just Saying Jul 2013 #17

Excellent post! nt jazzimov Jul 2013 #23

You believe insurers will voluntarily lower their rates leftstreet Jul 2013 #27

They have to, when someone else does it. jazzimov Jul 2013 #37

What I believe is that with more people paying for healthcare, Just Saying Jul 2013 #42

Define Voluntary Gore1FL Jul 2013 #55

my hospital bill was close to 500,000 madrchsod Jul 2013 #66

Your story is exactly what every American should fear Generic Other Jul 2013 #91

Krugman explained it, but clearly you plugged your ears and eyes. bluestate10 Jul 2013 #49

my healthy Almost 25 year old son suddenly had seizures at work riverbendviewgal Jul 2013 #78

Because not mandating has been tried -- and failed. pnwmom Jul 2013 #56

For the same reason that the Dutch and Swiss do. BenzoDia Jul 2013 #58

Healthcare.gov BumRushDaShow Jul 2013 #2

It is hilarious as evidence mounts that Obamacare will do what it was intended to do in AFFORDABLE Pretzel_Warrior Jul 2013 #6

Yep, lots of sour grapes. sufrommich Jul 2013 #10

Good on Maryland & Obamacare! Cha Jul 2013 #21

Any word on California's rates? GiaGiovanni Jul 2013 #25

Here BumRushDaShow Jul 2013 #41

Thanks. That actually looks doable for most people. GiaGiovanni Jul 2013 #63

yes. right here.... Pretzel_Warrior Jul 2013 #48

Are these kinds of rates only for states that set up exchanges? Mojorabbit Jul 2013 #34

The federal government will be running the Florida exchange. ProSense Jul 2013 #46

So it will be the high rate then since we will have no competition. Thanks.nt Mojorabbit Jul 2013 #83

I don't think you understand how state or federally run insurance exchanges work Pretzel_Warrior Jul 2013 #87

I live in Fl. We will not have state exchanges. Mojorabbit Jul 2013 #88

Boring! CindySessoms Jul 2013 #39

What does that even mean? sufrommich Jul 2013 #44

post building. eom uppityperson Jul 2013 #84

speaking of boring. I love boring into a hot pizza Pretzel_Warrior Jul 2013 #50

LOL Scurrilous Jul 2013 #90

I'm very much in favor of the concept of Obama / Affordable Health insurance Rene Jul 2013 #45

and this is the fault of Obamacare how? Pretzel_Warrior Jul 2013 #51

My father reached the age of 65 and Medicare sent him Iliyah Jul 2013 #47

so he should sign up, elleng Jul 2013 #53

small price to pay for someone who has ALL OF THIS coverage. He's extremely well set. He should be Pretzel_Warrior Jul 2013 #54

Are you complaining about that? Recursion Jul 2013 #61

Meanwhile all the conservatives and their minions proclaim that they don't know the impact of ACA liberal N proud Jul 2013 #52

Even those rates are out of reach for some people. hobbit709 Jul 2013 #64

Universal Healthcare would be perfect huh. Iliyah Jul 2013 #67

you are misrepresenting how subsidy works. it's not a tax credit you claim Pretzel_Warrior Jul 2013 #72

You get the tax credit ahead of time, not at the end of the year. BenzoDia Jul 2013 #79

K & R Scurrilous Jul 2013 #80

So proud of my state!! Yes, Maryland!!! Liberal_Stalwart71 Jul 2013 #86

You have a wonderful Governor. n/t ProSense Jul 2013 #89

Agreed!!! :) Liberal_Stalwart71 Jul 2013 #93

How does that compare to the Universal Health Care most Americans demand? Corruption Inc Jul 2013 #92

This is good news. n/t ProSense Jul 2013 #94