Replacement for ObamaCare by Dr. Rand Paul

[dartsndeacs]

Make it illegal for insurance companies to charge more for smaller companies. They basically charge a premium because of #smallsamplesize and greater risk of loss. Fuck that, They should set a price for all, they have hundred and thousands of people covered, the risk can be spread out that way.

 

[RJKarl]

1800% doe?

They have seen who you have hooked up with since then.

 

[cville deac]

A single payer system would address a lot of these issues.

Yeah, but ain't no way Pubs are going to go for that at this time. I mean, dude, that's socialist. Give it several more years of failure, and maybe we can finally have that single payer plus type plan we were talking about last week. But you gotta give Pubs their chance to screw it up first.

 

[JuiceCrewAllStar]

Make it illegal for insurance companies to charge more for smaller companies. They basically charge a premium because of #smallsamplesize and greater risk of loss. Fuck that, They should set a price for all, they have hundred and thousands of people covered, the risk can be spread out that way.

Just imagine if the risk pool were the entire country?

 

[dartsndeacs]

Just imagine if the risk pool were the entire country?

I don't have a problem with it in theory, I have a problem with trusting this country to not waste costs in implementing it.

 

[ChrisL68]

I went a month without coverage while switching jobs, as my current job makes you wait a month. Cobra for one month would have been $900, I said "Fuck that, I'll chance it"

10 years ago when self employed I got coverage for about $50/month.

The way Cobra used to work you could have signed up for coverage and just not paid your premium during that month unless you actually had an accident or some other catastrophe that required you to use Medical Care, in which case you would just make sure to pay your premium before the grace period ended and you would be covered for that month.

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[CreamyGoodness]

Anything to get rid of Obamacare and the 50% increase just in the premiums since it came out--$12,000 in the national average for a family to over $18,000 this year. Made the upper 2% of income people pay more needlessly and made the younger, more healthy people pay way more needlessly.

Yes, yes it did.

 

[BarcaDeac]

Not sure. Also possible I fucked myself because I've heard people say that going without coverage for a short period has fucked them for eternity afterwards. I don't know enough to know if that's true.

it's what my mom advised to do -- I trusted her since she ran my dad's medical practice and knew the insurance regs inside and out. didn't need it, thankfully.

 

[ChrisL68]

it's what my mom advised to do -- I trusted her since she ran my dad's medical practice and knew the insurance regs inside and out. didn't need it, thankfully.

She is right on. I became a self-taught cobra expert as our first child was born under a cobra coverage as I was making the switch from Arthur Andersen to Private Practice

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[TheReff]

I went a month without coverage while switching jobs, as my current job makes you wait a month. Cobra for one month would have been $900, I said "Fuck that, I'll chance it"

10 years ago when self employed I got coverage for about $50/month.

palma, there are many short term hospital policies out here. We used to sell quite a few of them. What if you had been in a car accident? Even $900 would have seemed cheap vs $50,000 out of your pocket if you were in the hospital for a week with broken bones.

 

[dartsndeacs]

palma, there are many short term hospital policies out here. We used to sell quite a few of them. What if you had been in a car accident? Even $900 would have seemed cheap vs $50,000 out of your pocket if you were in the hospital for a week with broken bones.

But then you miss out on the exhilaration of the gamble

 

[JuiceCrewAllStar]

The fact that a week in the hospital is $50,000 is a big part of the problem.

 

[cville deac]

She is right on. I became a self-taught cobra expert as our first child was born under a cobra coverage as I was making the switch from Arthur Andersen to Private Practice

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If you're young and have no assets you need to protect, why pay an arm and a leg for cobra? Worst case scenario is you need an appendectomy and then you file bankruptcy. And hey, just to take it a step further, if you're young and have no assets, and you have to pay $2-3K/yr for health insurance or possibly pay a $400 fine if you don't shell out the $2-3K/yr, why even get insurance unless you feel it's your civic duty. I like some of Rand's ideas, but if you don't get excellent participation from young, healthy folks, you're going to have a hard time controlling costs.

 

[PhDeac]

Which is why the best solution is just a single payer system in which they're automatically enrolled and automatically paying for it. Supplement that with HSAs help change the perception of paying for health care from paying in case something happens now to paying for what will likely happen later.

 

[AMCDeac]

Yeah I held off in between jobs waiting 30 days for it to kick in. I understand you can buy COBRA retroactively if you need it?

Without getting into the step by step there are ways to game COBRA when the COBRA election deadline doesn't pass until you have had a "free look" at whether you need the interim coverage.