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Thread: ACA Running Thread

  1. #1
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    ACA Running Thread

    Thought it would be interesting to track the implementation of the ACA. There are certainly two polar thoughts on how it will go. Obama announced today he would be delaying for one year the requirement for businesses to provide health care of face fines. Basically we have had 2 years and the plan still isn't ready. I for one am glad for the delay, but it would be better if this provision was scratched. It will certainly be an interesting thing to track as we observe the good and bad that comes from its implementation.

    http://politicalticker.blogs.cnn.com...ision-delayed/

  2. #2
    The democrats fucking punted it away until after the mid term elections. Gutless.

  3. #3
    Of course it will now be right before the next Presidential election. Obama sticking it to Hillary?

  4. #4
    For the record, they've had nearly 4 years to get this implemented and this was one of the more straightforward parts. The issue is HHS and the administration issued very limited guidance until after the November election for apparently political reasons.

    So now we have a neutered small group exchange (or marketplace as they now call it) and a delayed empower mandate.

    Both of these delays will increases overall costs.

  5. #5
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    So what what exactly will be implemented in October?

  6. #6
    El presidente Obamicare will be out of office before his signature initiative (law) will ever be sniffed by the minions. Shameful sham!!! And you libs wonder why we have such a divided country.

  7. #7
    Quote Originally Posted by Wrangor View Post
    So what what exactly will be implemented in October?
    Product and underwriting overhauls for the Individual and Small Group Markets along with the individual exchange/marketplace and a very watered down (meaningless) small group exchange/marketplace. THis will include tax credits to buy for individuals.

    Small group tax credits have already been introduced and totally flopped due to the complexities/rules.

    The exchange is so far behind its not funny given it open in 3 months.

  8. #8
    PM a mod to cement your internet status forever RJKarl's Avatar
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    Of course Wrangor and the other doom and gloomers don't want to talk about the parts that are already working well.

    Millions of seniors have been benefiting from the elimination of the doughnut hole and have been able afford their medicines that would have been able to in the past.

    Millions of young adults have been able to stay on their parents' insurance policies.

    Lifetime limits on coverage are gone. This prevents many families from losing their homes and life savings if someone get sick. Prior to ACA (and with the exception of 2-3 year period of the real estate bust), medical expenses had been the #1 reason for family bankruptcy in America for several decades.

    Medicare has been expanded to many rural hospitals, doctors and other medical facilities where it hadn't been before.

    These are just a few of the major positive aspects that have already helped many millions of Americans. The haters don't want to tell the whole story. They never have.

  9. #9
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    In all honesty RJ - this is the thread for both good and bad. So I would like to hear the good.

    1. Donut hole has been fixed - this has saved seniors a bunch of money. What exactly are the financial repercussions / responsibilities for the taxpayer/government? Are their any or is this one of those rare situations where people can save money, and it doesn't cost someone more money (not being sarcastic..honestly don't know the details of the donut hole - would love more information)

    2. Kid's staying on insurance policies longer - not a huge fan of this. Basically we are just allowing young adults to act like kids for longer. There is no real net savings here however as the parents still have to pay the increased premium. You are just shifting the burden from the younger crowd to the older crowd that wants to coddle their kids until they are 25.

    3. Lifetime limits - torn on this one. Insurance is a statistic equation when it comes down to it, so it makes sense that there would be a lifetime limit in order to set proper boundaries. Without a limit, insurance will probably just cost more as the equation becomes more uncertain. I do like that people can rest assured that they are covered, but financially this ends up costing the average insurance recipient more. Plus and minus to this.

    4. Medicare expansion to rural communities - I honestly don't know anything about this one. Has this been implemented? Is there some sort of verifiable data to show the expansion? Honestly don't know.

    The thread was meant to discuss good and bad. So thank you for bringing up some of the good points.

  10. #10
    Quote Originally Posted by Wrangor View Post
    In all honesty RJ - this is the thread for both good and bad. So I would like to hear the good.

    1. Donut hole has been fixed - this has saved seniors a bunch of money. What exactly are the financial repercussions / responsibilities for the taxpayer/government? Are their any or is this one of those rare situations where people can save money, and it doesn't cost someone more money (not being sarcastic..honestly don't know the details of the donut hole - would love more information)

    2. Kid's staying on insurance policies longer - not a huge fan of this. Basically we are just allowing young adults to act like kids for longer. There is no real net savings here however as the parents still have to pay the increased premium. You are just shifting the burden from the younger crowd to the older crowd that wants to coddle their kids until they are 25.

    3. Lifetime limits - torn on this one. Insurance is a statistic equation when it comes down to it, so it makes sense that there would be a lifetime limit in order to set proper boundaries. Without a limit, insurance will probably just cost more as the equation becomes more uncertain. I do like that people can rest assured that they are covered, but financially this ends up costing the average insurance recipient more. Plus and minus to this.

    4. Medicare expansion to rural communities - I honestly don't know anything about this one. Has this been implemented? Is there some sort of verifiable data to show the expansion? Honestly don't know.

    The thread was meant to discuss good and bad. So thank you for bringing up some of the good points.

  11. #11
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    Quote Originally Posted by WFFaithful View Post
    Really? At the age of 23 you should be able to take care of yourself. Our kids are getting less and less responsible because we allow it. College doesn't help as we basically get 4 more years to act like imbeciles (myself included). Part of the reason I would love to have a mandatory service requirement is to wake kids up sooner to the realities of life and responsibilities instead of continuing to push it back. The last thing we need as a society is to continue to delay responsibility in our youth. It has nothing to do with bootstraps. It has everything to do with growing up and taking responsibility.

  12. #12
    Getting a job with no experience right now is not easy. BTW, I like the service idea. Perhaps it would help the greedy self-interest mentality plaguing this country.

  13. #13
    PM a mod to cement your internet status forever RJKarl's Avatar
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    RE: Kid's on insurance- why don't you think about it from an employer's POV. If they can save money on initial hire packages, more young people might get a shot at their first jobs. The parents' employers had factored this cost for the elders' compensation. This is a good thing.

    RE: no limits - an ex of mine paid for super-premium coverage. She found out in her late twenties that she had a heart problem that would cause her to need a transplant. As young as she was and in as good a shape as she was, she would be an excellent candidate for the procedure. She had been paying extremely high premiums for nearly a decade of perfect health until this. They should have been investing those tens of thousands of dollars she was sending them with few services needed.

    This could also make HC companies be more cost effective. Things like $5 aspirin and $50 boxes of Kleenex may come down to realistic charges.

    What I call Single Payer Plus is virtually inevitable in the US. This would provide everyone with healthcare and allow those who wish to buy more care to do so. It's already going in other countries and being successful. It would work better in the US due our better and in place medical coverage infrastructure.

    I'm looking for the day we get rid of the outrageous and wasteful middlemen between patients and HC providers. Industries from travel to car insurance have all but eliminated middlemen that added nothing your product/service. It needs to come to HC.

  14. #14
    Young people are healthier and use the health care system less frequently. Making it easier to have them bought in is nothing but good. The more healthy people you have paying into a plan the better.

  15. #15
    Quote Originally Posted by Wrangor View Post
    Really? At the age of 23 you should be able to take care of yourself. Our kids are getting less and less responsible because we allow it. College doesn't help as we basically get 4 more years to act like imbeciles (myself included). Part of the reason I would love to have a mandatory service requirement is to wake kids up sooner to the realities of life and responsibilities instead of continuing to push it back. The last thing we need as a society is to continue to delay responsibility in our youth. It has nothing to do with bootstraps. It has everything to do with growing up and taking responsibility.
    You say some weird shit. You view keeping kids on parents' insurance as some kind of social engineering problem and revert back to carrot/stick on pretty much everything. We need young healthy people to buy insurance. There are millions of 23 year olds who are working hard at jobs that do not offer insurance and do not pay enough for them to buy an off-the-shelf product. It's as if you have no idea about life outside of your little bubble. I guess I ruined another one of your threads sorry everyone but you're a trip. Who are you talking about even?

  16. #16
    Quote Originally Posted by RJKarl View Post
    Of course Wrangor and the other doom and gloomers don't want to talk about the parts that are already working well.

    Millions of seniors have been benefiting from the elimination of the doughnut hole and have been able afford their medicines that would have been able to in the past.

    Millions of young adults have been able to stay on their parents' insurance policies.

    Lifetime limits on coverage are gone. This prevents many families from losing their homes and life savings if someone get sick. Prior to ACA (and with the exception of 2-3 year period of the real estate bust), medical expenses had been the #1 reason for family bankruptcy in America for several decades.

    Medicare has been expanded to many rural hospitals, doctors and other medical facilities where it hadn't been before.

    These are just a few of the major positive aspects that have already helped many millions of Americans. The haters don't want to tell the whole story. They never have.
    Let's talk about how premiums are expected to rise for healthy people.

    Link

  17. #17
    Quote Originally Posted by WFFaithful View Post
    Getting a job with no experience right now is not easy. BTW, I like the service idea. Perhaps it would help the greedy self-interest mentality plaguing this country.
    That is socialism. Who is going to pay for these service requirements Wrangor trots out every time he realizes he is painting himself into another corner? The guy wants to cut spending across the board and he wants to tax the poor. What service will they perform? Which vaunted and anointed private industry will have its toes stepped on by the socialist programs stealing their business and putting their folks out of work?

  18. #18
    If this thing is so awesome, why are democrats scurrying to get away from it for the next election cycle?

  19. #19
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    Quote Originally Posted by Liquid Karma View Post
    If this thing is so awesome, why are democrats scurrying to get away from it for the next election cycle?
    Catch-22 really. Leave it on schedule and the implementation goes bad and people ask why wasn't it delayed and done right. Change it and it's because of the next election cycle. Sad state of affairs in today's political climate.

  20. #20
    Quote Originally Posted by WakeandBake View Post
    That is socialism. Who is going to pay for these service requirements Wrangor trots out every time he realizes he is painting himself into another corner? The guy wants to cut spending across the board and he wants to tax the poor. What service will they perform? Which vaunted and anointed private industry will have its toes stepped on by the socialist programs stealing their business and putting their folks out of work?
    Slave labor, clearly. Like the other thread, make them work for their citizenship.

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