Obamacare please help me?
Your age and occupation will determine your worth during treatment. If your old or handicap you have a good chance of non treatment. You will pay it or go to jail. The poor and handicap will most likely die. Their will be private health care like Britain which the rich pay separately which will be expensive. I'll have to go the expensive way and pay 2 times as more than now guessing. If I don't go the expensive way I'll die waiting or being denied care while they take my money. “The problem with socialism is that you eventually run out of other people's money. ” ― Margaret Thatcher Greece is a socialist country! Government causes more harm than good. @As long as you're up, get me a lawyer edit: The Democrats could legalize cocaine and the republicans would write a nasty email only. The republican have no balls they are guts less cowards. The conservatives are to tiny to do anything. If you want freedom make a bill with one line that says 20% flat tax on all income brackets plus corporate taxes 20% and no more. Government wants the power. 48% have government assistance !
How is Obamacare going to help me?
The health care reform will bring 40 million paying customers into the insurance system. But not 40 million new users of medical services. (these people already get the services they need, but you and I pay for it). Increase the size of the risk pool and costs for everyone already in the system go down, not up. in 2014 competitive cross-state insurance exchanges will be set up so that especially for people like you you will have a nationwide competitive market to shop for insurance insurance instead of what is offered only in your state. This should drive costs down. If you have adult kids in college, you will still be able to cover them on your policy. If you have a pre-exsiting condition you will be able to switch insurance carriers and still be covered. The 'cost' of the program is deficit neutral (at least on paper). it is fully paid for by savings in other areas and some modest tax increases. the trillion dollars is over 10 years - or about 100 billion a year. By comparison the service on the debt racked up in just the last 8 years because we chose tax cuts, war spending and unpaid for expansion of medicare is more than double that - about 200 billion/year. And that is not paid for.
Liberals, Help me. I can't figure out how Obamacare is going to reduce costs.?
First, no monopoly is created. The mandate requires every one to be covered but it does not require where the insurance must come from. If you can find suitable insurance at a better price outside of the exchange, you can buy it. One of the biggest cost drivers is new technology that is more expensive but not more effective than the old ways. The law does address high cost of health care on this driver and other drivers in several ways. 1) Starts pilot programs to move Medicare from a fee-for-service system to pay-for-performance system. 2) Creates an advisory board for Medicare to limit treatments that are expensive but not more effective than the older treatments. 3) Medicare cuts. Because of certain Medicare cuts, hospitals have cut the rate of readmissions and the spending rate of the Medicare is decreasing without the decreasing quality. 4) The new law gives the government federal and state the authority to perform rate reviews. Because of new authority, some insurance companies have cancelled their double digit rate increases. Whose costs are more important, hospitals or doctors or the people who paid for insurance? More people are using health care reasources, based health care spending per capita, but that is not translating into faster growth of premiums. RomneyCare, the model of Obamacare, has bent the cost curve for people who paid for insurance. Although spending by doctors and hospitals increased, those cost increases were not passed to consumner. If they did, you would have seen the same premiums increases as before 2006. Let us look at what happened in MA. Because of the health care reform in MA, the model for Obamacare, the growth of premium increase is slowing. "From 2006 to 2010, employer-sponsored health-care premiums for a family rose about 19% in Massachusetts, while they rose about 22% in the US as a whole. Compare that to the period between 2002 and 2006, when Bay State family premiums increased 40% and US family premiums rose only 34.5%. Family premiums have seen the greatest reduction in growth since Romneycare; individual premiums have also slowed their rate of growth, though by not as much. For both family and individual premiums, the rate of growth fell below the national average in the period between 2008 and 2010." http://fredbauerblog.blogspot.com/2012/0...
There is a simple answer.It helped 10–20 millions of poorer working people who previously were not covered by work, earned a bit too much for Medicaid, and could not afford a plan on their own. Either they now qualified for Medicaid, were offered plans through work, or could now afford a subsidized Obamacare plan.It helped those people who were unable to get health insurance because of pre-existing conditions in those states where exclusions were allowed and people with chronic conditions that were approaching lifetime insurance caps where further uncovered medical expenses could bankrupt them.These people were able to get health care they previously couldn’t afford because the costs were shifted to other people.The people that got hurt most were people who purchased their own plans for themselves and their families. Millions of them lost the insurance they had been happy with and had to switch doctors. The new plans they could choose from now were from companies that now had to pay for the millions of people, often very sick, who were entitled to low cost plans. So the self-employed had to foot a disproportionate part of the expense. Not only did they see their monthly premiums skyrocket to more than double in a few years, but their deductibles went up an exorbitant amount such that they found themselves having to choose between expensive health care visits and other bills, so often felt compelled to forgo medical care.
Obamacare did several things:It made requirements on mandated coverage for every insurance plan. So a 55 year old male is paying for maternity coverage, birth control, etc. This made every insurance plan more expensive.It mandated coverage of pre-existing conditions and no maximum lifetime limits. This made insurance more expensive. Insurance and deductibles rose.It expanded Medicaid. Medicaid pays providers less than the cost of providing the service. So all other payers have to pay more.It provided exchanges. The thought was that young people would cover the older sick people. The penalties were not enough. Far fewer young people signed up than older sick people. So the prices and deductibles rose.As insurers on the exchange realized they were losing money they started pulling out of the exchanges. Now 18000 counties have one insurer on the exchange. That is not choice.As premiums on the exchange and private policies rise in prices we are finding that people may have “insurance” but the deductibles are so high they basically have catastrophic insurance only.Many of the newly insured (50–75%) are on Medicaid. Medicaid pays so poorly few doctors accept it. So they get only get care through the emergency department (the most expensive way to get healthcare).So premiums will rise, insurers will sign off and soon we will have exchanges that provide insurance in name only.It doesn’t matter if your insurance only costs $100 per month if your deductible is $15,000.ETA: The whole program was front loaded with benefits and back loaded with costs. It gave people insurance essentially at a cost from the previously insured. It was essentially a transfer of wealth program at its core.
Is Obamacare going to help or hurt Democrats in November?
Mid-term elections brings out the base voters mostly, it will be heavy on both sides, but I think being an incumbent of any kind will hurt you more than being a Democrat or a Republican. That trend will hurt Democrats more since they have more incumbents to bounce out. As for Obamacare, yes and no. More yes than no, but the election will be tighter than people think. More along the 2004 lines I bet.
Mostly.The medicare expansion means a lot of people have healthcare coverage who didn’t before. The rule change requiring insurers to keep children on their parents policies for longer has helped a lot of young people who were otherwise the largest uninsured group.There are quite a few self-employed people and workers for small employers have lost their previous insurance plans. In general, those plans were not very good to start with, but they were not very good in a specific, semi-hidden way: they often had low deductibles, but low lifetime and annual limits. If you get sick, this looks like of like good insurance, in that you get your prescriptions and check-ups and flu vaccines and accidents covered. But then you get cancer and exhaust your limits and end up bankrupt or dead.Nonetheless, a lot of negativity about Obamacare comes from people in this group, because they’re now joining formerly uninsured people in the 8.8 million now buying insurance through the exchanges. That insurance tends to be bad in a different way, in that it pays for basic services, but then has a high deductible before it will pay for anything else, and no limits (which are now illegal). If you get cancer, this is good as you’re only out $10k and the insurance will pay for the rest of your treatment. But if you fall off a ladder, it kind of sucks, as you’re paying $10k for your hospital stay that previously your old insurance with annual limits might have payed for most of. This the the right tradeoff in terms of stopping needless deaths and medical bankruptcies, but it kind of sucks for healthy people.
The Affordable Care Act in fact provided a number of improvements in U.S. health care. It didn’t please some segments of the system, who feared that the Golden Goose was going to stop laying eggs for them, and they ganged up on it with the co-operation of the Republican Party.No country in the world spends even close to as much of its national product on healthcare as the U.S does.…almost 17%, and has so little to show for it.The insurance companies, the H.M.O’s, the doctors and various other groups are eating high on the hog, and don’t want to see their bonanza taken away from them.I doubt that you know what the “single payer system” is…or that the U.S. is the only western democracy that doesn’t use it to finance health care. What is your answer? That every other prosperous nation is wrong and that the U.S. is right? Give me a break!
Obamacare Information PLEASE HELP ME.!?
Don't know if Texas will help you. 1 in 4 Texans don't have health care, and their legislators are doing all they can to prevent it. You would have to find an exchange or wait until the end of Nov. to apply on line. Considering your age, your premium will be, unbelievably low. If you get a policy you will get free screening, birth control, and much more. But in Texas? It will be tough.