Time is your friend. Impulse is your enemy. -John Bogle
Can you have pre-existing condition coverage without an individual mandate?
It was tenuous with the mandate...downright impossible without it IMO.
If they want the price of insurance to go down they will find a way to provide for pre-ex outside of the new plan.
If they want to create another government program that does not involve using the law of large numbers then we might as well keep Obamacare.
Anybody who says the pre-ex clause is a good thing is buying in to the BS and loves big government.
I want pre-ex for ALL my insurance. That way I won't have to carry all this expensive coverage on my house, cars, and rental properties. If a house burns down I can just buy insurance then, and they'll have to pay to rebuild it. I love it!
Thank you! The republicans have had 4-6 years to come up with a plan, and this is what they give us, basically Obamacare by another name.
I'm curious what you thought of Rand Paul's plan. It's been awhile since I read it but I remember thinking at the time that it seemed like the best proposal IMO.
It's simple and we need simple. If the politicians are dead set on providing coverage to the sick they need to set up a separate system for the sick that does not punish the healthy. Allow the market to work using the law of large numbers among those who want to purchase true health insurance.
They've given big pharma a license to steal while discouraging medical professionals to expand. This was the plan all along with the corrupt in Washington and on Wall Street reaping the benefits.
Politicians are not listening to the people who know how to fix it. With 100% certainty, "that I can tell you."
I know that healthcare insurance....the whole thing....is complicated. But, we need to include a few simple concepts into the plan. Such as tort reform, being able to buy HCI across state lines, and a true cafeteria option where consumers can tailor their own coverage. AND! no free rides for anyone! None. Zilch. Nada! Everyone needs to pay some kind of premium and some kind of co-payment and/or deductible.
the bold, the beautiful, theprofessor
- Why was the child not insured at the time he was diagnosed?
- If it was because his parents were poor the child qualifies for LaChip. In Louisiana families of 4 can make over $5k/mo and still qualify. Most states have similar programs.
Are you also in favor of being able to purchase auto or fire insurance after the accident/fire?
THis whole issue is pretty much a self-inflicted wound brought about by do-gooders and over regulation.
First of all, the only rule should be that insurance companies cannot drop you if you get sick. The fact that they keep changing the rules means that the initial sign up should not consider pre-existing conditions, because whatever policy you have now is likely not going to be portable into the new environment. The citizens should nto suffer because of the stupidity of our elected officials.
Second, you should be able to buy and carry your insurance across state lines, which is the only way #1 will work. If you move, or if your insurance company stops carrying policies in your state, you suddenly have a pre-existing condition for buying new insurance.
I lost my retiree medical when the ACA was passed, because my company jumped on the train that allowed them to jettison any costs related to retirees because "the landscape for health insurance had changed". So, no matter what, I will be screwed because of Obamacare (and because the repubs decided to fund it while pretending to be against it by repeatedly passing repeal legislation that they KNEW would be vetoed by the president). In the three years, I have had three different health policies because the ones I purchase keep going away! Each time they cost more, the deductibles go up, and they cover less.
I agree everyone should put something into the system, and you should not be able to "game" the system anymore than you can game the system with an employer. There, you have one chance to buy your benefit plans, and unless you have a major change of life incident (not that you got sick, but that you had a child or something like that) you had to deal with your decision for at least that year.
I'm not sure what the answer is, but I imagine that the pre-existing condition coverage isn't going anywhere. Like most entitlements, once it was passed, it will be politically impossible to get rid of it. So, what do we do with it?
Time is your friend. Impulse is your enemy. -John Bogle