From Gloria's article:
You are free to choose your own insurance policy, but it must have minimum care requirements. This is no different than how you are free to choose your own car, but it must have seat belts and other minimum requirements. Or you are free to choose your own house, but it must have working CO2 detectors and smoke alarms and whatnot (yes, this is the law - I just sold a house so I know all about it.)May I ask this question? Why is it that Americans don't have the freedom to choose their own health insurance? I just don't get it. Why must the liberal nanny state make decisions for us? We can make them ourselves, thank you very much. It's like choosing a car, buying a home or investing in a stock. We can handle it.
I also think it's so weird that Conservatives are wanting people to be able to buy insurance that ONLY covers exactly what they need. I don't have cancer, so I don't need chemo! That's not how insurance works. If people only ever bought plans that cover exactly what they personally need, insurance companies wouldn't be able to exist. Everybody pays into a pool that pays for each other's care and also provides a profit to the insurance company. Why would insurance companies even bother to be in business if I only need my son's asthma medication, so I only buy a plan that covers my son's asthma medication. They would just be out any money that they paid for my son's medication that isn't covered by my premiums. That's not how they work. Instead, I pay for a whole range of services, and thyey hope that I never need them. That's how they make money, and that's why they exist. That's not an Obamacare thing, that's just an insurance thing - that's how it has always worked.
The point is that if you only want a catastrophic plan that would cover emergencies but you pay for doctor apts out of pockets that is their business. Some of the new plans have such high deductibles and do not cover anything until those deductibles are met that is basically what they are with the exception that preventive care is covered.
Exactly...we all end up paying. If people don't pay their bills b/c of only catastrophic care or it exceeds payouts or they don't have insurance...guess who pays? YOU DO! Your private insurance goes up because they have to help fund the free care pools to keep hospitals afloat for people who can't pay b/c of the above situations. Since people historically skip preventive care when it's not free...what might be 10000 for early treatment is now 500,000 for delayed or more!
Mom to Elizabeth (6) and Corinne (4)
This is why I love receiving dental and healthcare in Turkey. So cheap.
Case in point, one of the types of plans we offered had a separate deductible for medical and prescriptions which cannot exist anymore. It must be the same deductible. Benefits the member. Their previous plan is now going to be cancelled.
I really don't see the point in the article. It's not like they don't have an option. They get to keep the same insurer and probably a plan that is so close to their old one.
Mom to Elizabeth (6) and Corinne (4)
I know this is from Fox, but I like the last part of this.
White House pledges another ObamaCare fix, as Clinton critiques rollout | Fox News
"The administration argues that while some are losing their current coverage, those plans will be replaced by better-quality insurance. The flip side is that they could be more expensive."
Ok, so 1 million people in California alone are loosing their health care. There is another option for them, they can sign up for Obamacare. The problem is, the new plans are more expensive for a lot of people. More expensive than they can afford. The subsidies are only for a portion of the people loosing coverage. So much for the average family's premium going down $2,500 a year.
At this point I do not know what I think they should do. The situation is a terrible mess. If they delay just the individual mandate but still require the insurance companies to cover the new requirements without an adequate intake of new costumers then the insurance companies will go under. This will make it so the Government will have to come in and take over completely (No Thanks). Or, if they somehow tried to repeal it all together now, there would be mass confusion and problems all around. Loose loose for everyone.
In addition, this is not just effecting the individual market. Many businesses had insurance plans that did not meet the new standards as well. Only because it is not an individual market, non of those people's insurance that is changing are eligible to qualify for any subsidies.