General Discussion
Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsIs there a simple list of what the Affordability Act offers to pass on to some skeptics?
These aren't lunatics...just folks that are very curious. Thanks.
jberryhill
(62,444 posts)Skeptics are treated just like everyone else.
SoapLovah
(23 posts)Www.getthefacts.org have good info.
patrice
(47,992 posts)Horse with no Name
(33,956 posts)I appreciate it.
patrice
(47,992 posts)foundation and maybe Pew Research, but that's more specific topics. And, btw, I just remembered, that I didn't find that Reddit piece; it was either posted here or on FB.
And you probably also already know that, just as Senator Sanders always said, Single Payer is NOT gone.
patrice
(47,992 posts)patrice
(47,992 posts)patrice
(47,992 posts)patrice
(47,992 posts)patrice
(47,992 posts)patrice
(47,992 posts)patrice
(47,992 posts)patrice
(47,992 posts)the Chair of Family Practice at University of Kansas Medical School & a member of PNHP, Dr. Joshua Freeman:
http://medicinesocialjustice.blogspot.com/
mrf901
(49 posts)patrice
(47,992 posts)companies are offering, but, since the state-level insurance exchanges are not in place yet (think of these as malls where you can go to shop for health insurance coverage of different types from different companies), we aren't going to know much more about that until the exchanges open.
But one thing can be said thus far about the costs of Obamacare to you: there is the Medical Loss Ratio (MLR) mandated by the law, 85:15, which requires that 85% of the premium dollar that the insurance company is charging MUST be spent on the insured's care and only 15% of that premium dollar may be spent on insurance company overhead, so depending on a person's current insurance co., some of whom are running on up to 35% overhead, the cost of coverage has gone down. Some people say ins. co. can always just raise their premiums and still make that 85:15, but, since it IS a market system, there's only just so much of that sort of thing that buyers will tolerate and if even one significant ins. provider makes a break for it in order to grab the market (by means of internal efficiencies), ins. cos. who have raised their premiums could damage themselves and not survive.
Also, with that MLR in place, there is now downward pressure on the costs of care itself, not just premiums.
patrice
(47,992 posts)someone (including employers) can't afford the coverage that they need at the prices offered by the ins. cos. in the exchanges, then individuals will receive assistance, on a sliding scale, to make up for however much of the premium they don't have, so I'm wondering, and I suppose this depends upon exactly how individual states set up their exchanges, but ... if the pool of those needing assistance with premiums gets big enough and the level of a$$i$tance is high enough, at what point does the individual state just cut its losses to those private insurance companies and take those customers into something like state level single payer, which at least one state, Vermont, has decided to just begin at that point and forego all of the dancing around ins. price & health care costs and deliver the best deal possible up front, or as close thereto as possible.
patrice
(47,992 posts)I hope you want to talk about this again, as I am trying to figure it out myself and seeing a discussion someplace like this kind of forces me to think about it.
Welcome to DU!
mrf901
(49 posts)beyond the fact that there(states) is where
the insurance companies are chartered
and regulated
patrice
(47,992 posts)everything else.
Think of all of the decisions that would have to be made about HOW to attract HC Ins. Cos. to a state; how to integrate the different types of companies & offerings so as to present them in a way that works for HC Ins Cos & for HC Ins. consumers; what level of response to insurance shoppers those companies will make, so that shoppers can compare apples to apples and oranges to oranges; how to make all offerings equally accessible (e.g. alphabetic indexes won't give them all an equal chance of being picked by someone who is shopping); how enriched that environment is going to be relative to existing support resources that have to do with things such as terminology, InsCo appeals processes, and, for special populations of the disabled or elderly, things such as CMS resource surveys . . . .
All and much more of which will affect the efficiency with which the right HC Ins for you is delivered for your premium dollar.
mrf901
(49 posts)you don't need the authority
of a state to merely match up
buyers and sellers
patrice
(47,992 posts)of the state in this situation has to do with the principle that everyone will have insurance so that health care costs can be influenced, in this case by free market competition based on the size of the market, everyone. The exchanges only follow on that, so the authority of the state isn't to make exchanges for their own sake, just that there should be something that supports the development of those markets, and, hence, contribute to HC cost management, in a way that facilitates the state's existing budget responsibilities "to promote the general welfare" of the people.
Honeycombe8
(37,648 posts)that apply to insurance co. health care policies.
The effect it has on YOU depends on what kind of health care ins. you have - whethr it's from your employer, or if you buy it on the open market (individual policy), whether you are a high risk buyer or have a serious pre-existing condition, whether you are middle class or poor (if you're poor enough, the fed will help you with the payments), etc.
The fed will also be starting exchanges online, so you can buy directly from there, and will also be offering some of its own policies (a REAL govt policy, altho may not be as good as regular policies).
Avalux
(35,015 posts)It's all there, if people would just read it, and not depend on journalists, experts or whomever to decipher it for them. Just read the damn thing.
Or are people that lazy?
mrf901
(49 posts)do you expect other
to do what Congress did not?
Tennessee Gal
(6,160 posts)With staff, research organizations like CRS, etc. members of Congress often go without reading the entire text of bills containing thousands of pages.
mrf901
(49 posts)Honeycombe8
(37,648 posts)unless you're an expert in that area of law, and also, laws frequently refer to OTHER laws, so you'd have to know about those, too.
So...Congress people have staffers who read things (in part, I'm sure), and digest and summarize them for the Congress people. There are other services, I THINK, that do this sort of thing. And the guys who sponsored the bill will give a synopsis of what is in the bill.
Having said all that, it is possible for something to be in a bill that most Congress people don't know about. Even if Congress people read the entire bill, they probably wouldn't catch it, anyway. Bills are very lengthy and written in legalese, as I said.
This is the accepted way of doing things in Congress...has been for many many years.