Posted on 11/22/2014 5:15:18 AM PST by Kaslin
When you can’t argue facts, experience or logic, you continue to fall back on ad hominem attacks.
You can’t even recognize that I’m against Obamacare and simply pointing out problems in the ‘repeal it all and damn the consequences” stance. That ends reasoned debate.
That’s cool by me. Wallow in ignorance and be proud of it. Have a nice dinner. Goodbye.
who said it had to pass the senate? Not me.
Pass a budget with out funding, hang it around Reids neck. Then take the message to the people. Let the rats shut down the fedgov.
Tall order for the republicans I know. They actually have to want to defend it.
Your observations confirm my understandings. My wife was in management for large clinics in major healthcare systems and left seeing the impending nightmare takeover.
I will agree with you on one thing. The Insurance giants won’t automatically recreate certain types of policies if ACA is either thrown out by the court or repealed. They will want to have the large deductibles stay. If small carriers get policies out the door and capture a lot of coverage until their underwriting strength is fully used, then the larger companies my start to write more old style policies to compete with the small carriers. It will be another three years of screwed up insurance market climate just like the last three as they jacked around finding a cruising speed during the implementation.
If someone starts to write a hospitalization and major med policy with a large deductible, many people will decide to just “go naked” on general healthcare in a repeal market. So it is all up to the small carriers’ ability to offer tailored coverage quickly to serve the demand. The large carries will have one break ranks and they will all be back in the market but it will take a full three year screwed up mess.
You never mentioned the Budget, just that House could defund, but not without the Senate.
This budget idea has already been done in 2013, but did not get vote, and if SENATE votes it passed, then the President has the right to VETO...then what?
Yes, I expect they will do it that way, but we have President Obama and his VETO power, until a new President is sworn in...that would be in January, 2017.
The problem with small carriers in the health market is that they really can’t afford to be in this volatile market without limiting the coverage and/or deductibles.
Why? Because rates are controlled by two things, depending on the state.
1. When states’ insurance commissions set or approve rates, they are always looking backward at losses and expenses. It’s difficult, if not impossible, to set forward rates that will be equitable that way.
2.Because of the rating structure above, the small insurance companies do everything possible to limit payouts according to the strict application of their policies so they can make an underwriting profit. Big companies, like Aetna, can absorb underwriting losses with income from interest on large volumes of premiums. Smaller companies don’t have as much of a cushion in the form of interest income. And there are some very shady small companies who have issued policies with severe limitations that owners don’t read when they apply or that are glossed over by unethical salesmen.
One of the most overlooked problems faced by insurance companies is that lots of folks apply for policies AFTER they are already diagnosed with an illness or pregnancy. This is fraud and they are usually found out and their claim is denied. This is one reason individual policies have such a short shelf life. People drop them as soon as they are paid for an illness or they are denied.
The idea behind Obamacare that you can accept these folks with pre-existing conditions and still have premiums reduced is a mathematical impossibility and a fraud perpetrated on the public in selling Obamacare.
Sneak a rider repealing it and Osama’s immigration fiat into a really long bill and hope no one notices till after he signs it?
When do they not get the outrage toward them?
I hope they do shut down the government though; it did not effect the 2014 election. If anything, it helped.
We can agree to disagree.
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