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stopbush

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43. The problem with allowing selling over state lines is that insurance companies

Fri Jul 14, 2017, 02:56 PM

Jul 2017

will incorporate in states that have low standards. This allows rhe company to offer junk policies that other states will not allow. The consumer - not generally being too smart - gets sucked in to paying for a worthless policy.

And don't say it's the fault of the consumer for not doing their research. Insurance companies spend billions figuring out economic markets in order to craft these junk policies. Those demographics are not going to miraculously change overnight, especially when Rs in government are doing their damnest to cripple the education system and to do away with government programs designed to educate people about just these types of things.

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This message was self-deleted by its author [View all] stopbush Jul 2017 OP

I noticed that reared its head again flamingdem Jul 2017 #1

Yep. HSAs are back in today's POS from the Senate. stopbush Jul 2017 #3

Aren't most/all HSAs linked to a Private or Employer-based Health Plan, so there's the double dip? TheBlackAdder Jul 2017 #70

That is what they want people to buy into. Solly Mack Jul 2017 #2

Like they are going to allow the poor to save money for Alice11111 Jul 2017 #38

I don't think it does ever end. Solly Mack Jul 2017 #39

Several good.points, including Repubs are doing it right, Alice11111 Jul 2017 #80

there is a place for HSA Skittles Jul 2017 #4

They have a place the way brain surgery has a place. stopbush Jul 2017 #5

well I know I use one Skittles Jul 2017 #8

you have no medical expenses where you lay out actual cash? DrDan Jul 2017 #16

HSAs are good when you have someone with a chronic condition with occasional big expenses haele Jul 2017 #30

I have had an HSA equally as long, if not longer. My money can be used for any medical expense, DrDan Jul 2017 #41

We never could put enough in to pay the premiums as well as normal monthly medical expenses. haele Jul 2017 #45

I agree and when you wrap your head around the benefits.............. trixie2 Jul 2017 #14

I disagree with your assessment Skittles Jul 2017 #15

Your not understanding me trixie2 Jul 2017 #46

if you were diagnosed with cancer that money would be wiped out in weeks Skittles Jul 2017 #59

Well let's hope the Republicans don't screw up what we have gained - no lifetime caps etc trixie2 Jul 2017 #63

Post WWII, the retirement benefits could last until death. JustABozoOnThisBus Jul 2017 #42

Everyone in our family is or was in a union trixie2 Jul 2017 #47

Did the benefits end before Medicare was enacted (1965)? JustABozoOnThisBus Jul 2017 #48

I am not that old! trixie2 Jul 2017 #49

Not many of us are that old! JustABozoOnThisBus Jul 2017 #50

I completely agree trixie2 Jul 2017 #64

I have a health "savings" account but it's always empty unblock Jul 2017 #6

HSAs are useless if you can't afford to make deposits into them. The Velveteen Ocelot Jul 2017 #7

You forget the premium is often much lower FBaggins Jul 2017 #9

That's true. But you have to be able to afford to make deposits The Velveteen Ocelot Jul 2017 #12

That still doesn't make sense FBaggins Jul 2017 #17

The point is that it's your money either way. If you can't afford to deposit anything The Velveteen Ocelot Jul 2017 #19

Oh the bad memories of a HSA Wellstone ruled Jul 2017 #11

It is a cruel hoax. dalton99a Jul 2017 #10

Repubic way of soothing Hieronymus Jul 2017 #13

Most people can't afford to put money in and...it is your money...you get a tax break up to a Demsrule86 Jul 2017 #18

Disagree MichMary Jul 2017 #20

I am not saying that it can't help those who have a decent income...but it won't help Demsrule86 Jul 2017 #21

Medicaid recipients don't need it MichMary Jul 2017 #24

What "drove premiums up" was covering 20 million uninsured without adequate government funding. Hoyt Jul 2017 #58

with a premium like that onethatcares Jul 2017 #25

It's a silver plan MichMary Jul 2017 #28

Just curious where do you live? Egnever Jul 2017 #76

Rural Michigan n/t MichMary Jul 2017 #78

I am far from rich Egnever Jul 2017 #32

It is still you money and can not be used to replace health care as the GOP Demsrule86 Jul 2017 #71

Of course not Egnever Jul 2017 #75

Vouchers, HSAs & Allow Insurance Companies To Sell Across State Lines,... Jimbo101 Jul 2017 #22

Junk insurance policies that might not have ANY doctors accepting it in your state. nt karynnj Jul 2017 #34

I don't think I would buy one like that fescuerescue Jul 2017 #60

Ha ha ha......like the retirement accounts everyone has. NOT. a kennedy Jul 2017 #23

ER costs about $1,000 an hour. leftyladyfrommo Jul 2017 #26

Is that "retail"? JustABozoOnThisBus Jul 2017 #40

I think my bill for 24 hours was $13,000 leftyladyfrommo Jul 2017 #51

An old scam from the '80s if I remember correctly. 6000eliot Jul 2017 #27

They are trying to dress up Trump/republican Deathcare a bit for the rubes workinclasszero Jul 2017 #29

They work for me as I have a decent income GulfCoast66 Jul 2017 #31

Not to mention, their value is that you can put income tax free into them karynnj Jul 2017 #33

. . . and 55% do pay it. MichMary Jul 2017 #35

If you buy a high deductible plan, which you still can under ACA -- you can fund and use an HSA karynnj Jul 2017 #36

you can also earn income on your HSA tax free kennetha Jul 2017 #55

If you use the HSA money for medical expenses it isn't taxed. The Velveteen Ocelot Jul 2017 #77

I've never understood the idea of HSAs at all. If you can't afford a health insurance premium in Vinca Jul 2017 #37

The problem with allowing selling over state lines is that insurance companies stopbush Jul 2017 #43

I was assuming the ACA stays in place and is tweeked. Vinca Jul 2017 #44

Same old GOP BS, along with trickle down. bronxiteforever Jul 2017 #52

I'm sure the accounts will be managed by public health sector ripoff kings & have hefty "mngmt" fees JDC Jul 2017 #53

Health Savings Accounts are a form of self-insurance. kennetha Jul 2017 #54

If you make less than 26k a year this is total B/S juxtaposed Jul 2017 #56

That is going to be absolutely wonderful for a person Doreen Jul 2017 #57

I love my HSA plan. It's perfect for many healthy middle class families taught_me_patience Jul 2017 #61

Indeed....and to hell with the poor? Demsrule86 Jul 2017 #72

This chart shows how HSAs mostly benefit the wealthy. The Velveteen Ocelot Jul 2017 #62

I'm not wealthy. Igel Jul 2017 #65

As the reponses to this OP prove stopbush Jul 2017 #66

That is simply not true. For people with known chronic illnesses they can reduce their taxes grantcart Jul 2017 #67

A grand total of 6% of the American population has an HSA. stopbush Jul 2017 #68

Words mean nothing to you. You are one of the most intellectually dishonest people I have met here. grantcart Jul 2017 #69

All that you have posted, and I read it. do not change the fact that few Demsrule86 Jul 2017 #73

No MichMary Jul 2017 #79

HSA: "GOP" for "Your Insurance Sucks, But Better You Than Me, SUCKER!" HughBeaumont Jul 2017 #74

Who's forcing you or anyone else to buy one? WillowTree Jul 2017 #81