General Discussion

Hoyt

(54,770 posts)

54. No it does not guarantee premiums will go up. Another insurer, such as a hospital not-for-profit

Mon Mar 24, 2014, 02:33 AM

Mar 2014

will offer an exchange plan that undercuts the high premium plan. And the high premium plan will be quite noticeable on the exchange.

If plan A has a monthly premium of $500 because management thinks like you, and plan B with same services, etc., is $350,which one are you going to select now that you can move freely with no preexisting condition exclusions? Pretty soon, Plan A will be forced to lower premiums or exit the market. And, Plans are going to be jockying for insureds so that they will be selected when government gets smart and selects preferred plans.

As a matter of fact, if they were trying to increase benefits to game the medical liss ratio, the poster's insurance company would not have given him the run around on expensive meds that started all this ACA, Obama bashing. They would have said, "heck here's more than you need, would you like a nurse to come by daily and give you each pill with a cold glass of juice."

YlYlso, your "waiter" example doesn't capture the dynamics of the issue.

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Want my support for the ACA? Repeal the mandate. [View all] Demo_Chris Mar 2014 OP

Not going to happen. You need to talk with a private insurer to get nationwide coverage. nt MADem Mar 2014 #1

Can't afford that. nt Demo_Chris Mar 2014 #3

mind giving us some details ? if not I understand nt steve2470 Mar 2014 #5

short version: I am ALWAYS away from "home". nt Demo_Chris Mar 2014 #27

Wow....just wow....what keeps coming out.... VanillaRhapsody Mar 2014 #2

Shocking that Heritage Foundation plans might find opposition here? nt Demo_Chris Mar 2014 #4

Shocking that you think that is a good point of negotiation to get where you want this to go... VanillaRhapsody Mar 2014 #7

Where want it to go is no mandates... Demo_Chris Mar 2014 #20

sorry, your OP is flamebait during an election year steve2470 Mar 2014 #21

ditto! VanillaRhapsody Mar 2014 #25

If you sign a contract to pay any of your future medical costs in cash or... Walk away Mar 2014 #77

I invite you to seriously think about your post... Demo_Chris Mar 2014 #88

I doubt if you are a 23 year old mom with three jobs but just in case you are.... Walk away Mar 2014 #94

No, my problem is different, but my position on mandates has nothing to do with ME... Demo_Chris Mar 2014 #98

Too bad you didn't bother to check your facts before you started... Walk away Mar 2014 #106

Actually no, if there is no mandate and pre-existing conditions have to be covered mythology Mar 2014 #130

The ACA went miles beyond the Heritage plan. phleshdef Mar 2014 #24

Heritage plan area51 Mar 2014 #103

It wasn't nearly as generous as the ACA on that front. phleshdef Mar 2014 #104

Are you also against the mandatory requirement for car insurance? notadmblnd Mar 2014 #6

Because you don't need car insurance if you don't fucking drive! BuelahWitch Mar 2014 #8

we all need healthcare.... steve2470 Mar 2014 #11

I replied to the above poster who tried to use the tired car insurance analogy BuelahWitch Mar 2014 #13

ok keep waiting...one day it's coming nt steve2470 Mar 2014 #14

Only if you believe trillions in subsidies weakens insurance companies. nt Demo_Chris Mar 2014 #15

your argument is a libertarian one steve2470 Mar 2014 #16

Pls don't exaggerate . . . brush Mar 2014 #74

We all need healthcare, we don't all need health insurance. Jesus Malverde Mar 2014 #33

It's sufficient for a large percentage of the MALE population age 20-40. WOMEN HAVE BABIES... Hekate Mar 2014 #62

Actually california where I'm from had insurance programs Jesus Malverde Mar 2014 #64

Define "we" when you say it. As for me, I am concerned with the other 50 states too, not just Calif Hekate Mar 2014 #65

Which states did not have insurance for pregnant women? Jesus Malverde Mar 2014 #67

It is not an insurance program - and note the income limit. Ms. Toad Mar 2014 #73

so young healthy people are better off paying cash for having a baby CreekDog Mar 2014 #118

Have you done the math for an individual who doesn't qualify for Jesus Malverde Mar 2014 #140

"If they have a catastrophic event they can declare bankruptcy." lumberjack_jeff Mar 2014 #136

A vast majority of working people don't have the option to not drive. phleshdef Mar 2014 #19

I didn't drive till I was 24 BuelahWitch Mar 2014 #31

I was 25 so freaking what! My grandmother NEVER learned to drive VanillaRhapsody Mar 2014 #34

You're own personal anecdotes don't really count. phleshdef Mar 2014 #37

Analogy still doesn't fit BuelahWitch Mar 2014 #109

Well you can choose not to drive but you can't choose to not be an ER liability. phleshdef Mar 2014 #111

Mass transit in NYC HockeyMom Mar 2014 #86

Most of the country is nothing like NYC or LA or Chicago in terms of public transportation. phleshdef Mar 2014 #112

I now live in Naples, Florida HockeyMom Mar 2014 #116

90% of Americans drive to work. phleshdef Mar 2014 #119

The ACA shouldn't be a choice. Chan790 Mar 2014 #127

Harsher penalties? Like what? BuelahWitch Mar 2014 #131

Bigger fines. Chan790 Mar 2014 #132

Try living in a rural area if you don't fucking drive! jmowreader Mar 2014 #114

But We All Get Old otohara Mar 2014 #137

One has a choice about owning a car... pipoman Mar 2014 #9

not everyone.... VanillaRhapsody Mar 2014 #30

No, insurance is the price of owning and operating a dangerous machine. nt Demo_Chris Mar 2014 #12

There is no mandatory requirement for car insurance. Xithras Mar 2014 #113

Why, so you can game the system and buy in when you need it? Sign up with a not-for-profit, or do Hoyt Mar 2014 #10

In theory you can do that anyway. Mandates do nothing to prevent this. nt Demo_Chris Mar 2014 #18

Good, I see you've figured out how to game the system and let others pay to help it work. Hoyt Mar 2014 #22

I AM trying to make it better... Demo_Chris Mar 2014 #40

I like what we have now considering things. And a mandate is the only way to make it work Hoyt Mar 2014 #46

So you have no insurance at all? brush Mar 2014 #75

If you support the ACA and its subsidies you already endorse this... Demo_Chris Mar 2014 #89

Seems you're the one with the right wing talking points brush Mar 2014 #108

...applause. Chan790 Mar 2014 #128

They require the financially able to pay a tax/fine when they don't have insurance. phleshdef Mar 2014 #29

It is simple outsourcing pipoman Mar 2014 #17

You mean like Medicare, and Medicaid that rely heavily on insurance companies and Hoyt Mar 2014 #26

Only Medicare Parts C and D HockeyMom Mar 2014 #83

Well, unless you have a supplemental, there is no out-of-pocket cap on traditional Medicare. And Hoyt Mar 2014 #84

New York tried a system where insurers were required to accept anyone who applied Nye Bevan Mar 2014 #23

Thanks for the reality of the Mandate, Nye. Cha Mar 2014 #28

And even single payer would have a mandate, it would just be tax based instead of premium based. phleshdef Mar 2014 #32

Libertarians...pffffffttttttt!! VanillaRhapsody Mar 2014 #35

Single payer would bring with it the ability to negotiate rates with the healthcare industry Jesus Malverde Mar 2014 #39

I don't know any DUer that doesn't want single payer. phleshdef Mar 2014 #45

NOT having to pay a middleman for administration and profit is a huge win Jesus Malverde Mar 2014 #48

Yea that goes without saying. phleshdef Mar 2014 #49

I think ACA actually codifies the broken system into our government rather than give Jesus Malverde Mar 2014 #51

"The private insurance system was headed for collapse before this law came into effect" phleshdef Mar 2014 #52

I worked for a public school district HockeyMom Mar 2014 #82

If the government is a criminal cartel that gets over by denying care then we should replace it. TheKentuckian Mar 2014 #61

New York didn't have a federal subsidy... Demo_Chris Mar 2014 #41

But Single-Payer would need a raise in taxes. Amonester Mar 2014 #66

Taxes are much more progressive (in the technical sense) than insurance fees. Donald Ian Rankin Mar 2014 #120

One of my biggest problems with the ACA is that it brings millions of customers to the insurers Jesus Malverde Mar 2014 #36

DELETE. Sorry got posted twice. Hoyt Mar 2014 #42

Under the ACA insurance companies are guaranteed Jesus Malverde Mar 2014 #47

I think competition adds that incentive. If another insurer thinks they can handle the population Hoyt Mar 2014 #50

The financial incentive is to charge as much as possible. Jesus Malverde Mar 2014 #53

No it does not guarantee premiums will go up. Another insurer, such as a hospital not-for-profit Hoyt Mar 2014 #54

I don't think we've seen the dynamic on the exchanges you Jesus Malverde Mar 2014 #55

Not yet, many insurers are holding back until the risks are better known. Hoyt Mar 2014 #56

"We are not going to put your drug on our formulary at that price" is pretty strong. Hoyt Mar 2014 #42

So you want to be free not to have coverage? SheilaT Mar 2014 #38

No he will limp along until the next open enrollment and get insurance. Jesus Malverde Mar 2014 #44

He did NOT wish any ill on the OP. He just stated the possible risks. If someone wants to take lostincalifornia Mar 2014 #60

Scary! Far better I buy a plan that does NOT cover me... Demo_Chris Mar 2014 #90

won't happen, and they do need a mandate at least the way it exists today lostincalifornia Mar 2014 #57

Are you against the Social Security and Medicare mandate? lostincalifornia Mar 2014 #58

Am I paying the government, or paying a corporation. Get it now? Demo_Chris Mar 2014 #91

Usually the government will subcontract to private insurance. They do it now for Medicare lostincalifornia Mar 2014 #97

Without the mandate, the whole rest of the system is unaffordable to the insurers jmowreader Mar 2014 #59

exactly, it spreads the risk. We don't have single payer, and this is what we have, so that is what lostincalifornia Mar 2014 #63

But who would fund single payer? Would it be Gilligan or would it be Mr Howell? The ACA... Demo_Chris Mar 2014 #70

taxpayers of course lostincalifornia Mar 2014 #80

Which taxpayers. Don't try to dodge this. Demo_Chris Mar 2014 #92

I am not dodging, all tax payers, including corporations. That is how single payer runs lostincalifornia Mar 2014 #96

You are still evading. Who pays what percentage? You think single payer is regressive? nt Demo_Chris Mar 2014 #99

WHAT!! I am not legislator, and if you expect a complete plan with details, ask your representative lostincalifornia Mar 2014 #100

why is *your* support so important? are you so important that we should change a law for you? CreekDog Mar 2014 #133

Mandates or the lack do not impact Waiting Periods.... Demo_Chris Mar 2014 #69

This. PeaceNikki Mar 2014 #107

Olbermann agrees nationalize the fed Mar 2014 #68

I am in good company then. nt Demo_Chris Mar 2014 #71

The ACA doesn't need your support... TreasonousBastard Mar 2014 #72

Insurance mandates date back to 1791. They're one of the oldest ideas in the country. Recursion Mar 2014 #76

the ACA is the mandate alc Mar 2014 #78

Bleah. Erich Bloodaxe BSN Mar 2014 #79

Other countries employ mandates to get their citizens to get covered privately or pubically. BenzoDia Mar 2014 #81

So don't get insurance, problem solved. JoePhilly Mar 2014 #85

"How do I qualify for an exemption from the fee for not having health coverage?" Lars39 Mar 2014 #87

My Fave - "You�re not lawfully present in the U.S. " Jesus Malverde Mar 2014 #95

Are You Sure You Thought This Through? ProfessorGAC Mar 2014 #93

I doubt it. No system is free of some type of mandate. Single Payer has bluestate10 Mar 2014 #123

Nope. Get on board and learn to live with it. Gravitycollapse Mar 2014 #101

If you are willing to sign a waiver refusing all uninsured hospitalizations or emergency services.... peace13 Mar 2014 #102

Without the mandate, there is no ACA theboss Mar 2014 #105

How about expanding Medicare further? Might that get your support? n/t Orsino Mar 2014 #110

Do you know why the mandate is there? AceWheeler Mar 2014 #115

do you have life insurance? not mandatory, is it. DrDan Mar 2014 #117

You are using a red herring argument. bluestate10 Mar 2014 #124

The mandate is there to force people, who would not otherwise buy, to purchase their product... Demo_Chris Mar 2014 #122

Your position is fucking ridiculous. bluestate10 Mar 2014 #121

Not only ACA, but universal and social health care all require a pool of everyone to pay Sheepshank Mar 2014 #125

Well, and succinctly, put. Gidney N Cloyd Mar 2014 #129

My grandma spoke Galician. She used to say, "qui tardi piacchi" meaning... Sarah Ibarruri Mar 2014 #126

PO + Mandate zipplewrath Mar 2014 #134

Universal=mandatory. The mandate isn't one of the top 10 flaws with the system. n/t lumberjack_jeff Mar 2014 #135

Repub_Chris: GOP Readies New Votes On Health Law Mandate Repeal ... pampango Mar 2014 #138

The GOP is playing political theater. I don't care what they pretend to do, I care what's right. nt Demo_Chris Mar 2014 #139