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This topic is not about the American Invasion of Iraq. Stop. - Page 23 |
On June 29 2012 17:00 kwizach wrote: It is telling that the people opposing the ACA in this thread have literally no arguments but ideological talking points that are completely disconnected from reality. Every time they try arguing their position with arguments based on the real world, they end up being wrong (impact of the ACA on the deficit, on the economy, on the quality of care, etc.). What it boils down to is this: you do not want to be paying taxes (and this applies to everything, not just healthcare). We get it. Yes, exactly. Every argument about the budgetary effects of Obamacare and the health care effects of Obamacare that they've made have been debunked in this thread by using facts and citing sources.
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On June 29 2012 18:09 paralleluniverse wrote:Show nested quote +On June 29 2012 18:00 Mafe wrote:On June 29 2012 17:16 CoR wrote: so strange that usa is the ONLY western country without free healthcare , in europe there is 5€ or 10€ for medicin (no matter how much) and even kuba have 2cent for something that kost120€ in usa (medicine, the doc is free there aswell ... only amerca send you ill away if you have no money) i really dont get it Don't spread incomplete information. You have to spend a certain percentage of your income for the health system, i. e. medicine and more (the value usually talked about is ~14%, but obviously there are a lot of calculation rules and your emplyer pays a part of it). So you are actually paying much more for medicine here. Wow, is it really 14% in Germany? In Australia, the cost of universal healthcare is funded by 1.5% of taxable income, called the Medicare Levy. As I said, 14% is value talked about. But for my understanding it is completely wrong to think that "cheap system = good system". I have no idea what people get for the "1.5%" in Australia in comparison to the "14%" in germany and if these the numbers are comparable. I personally feel like I don't pay too much, but that might be because having a chronical desease I receive much more than I pay. However the main flaw imoh here is that too much money goes to pharmacy companies and too little to some (but not all) doctors.
Also I hope to see the new health system in the US succeed.
And one question about the US: As I mentioned I'm chronically ill. Does this mean I would not get any good health insurance in US with the current system, or what would be ways to get one?
And one point: I heard that in the US people tend tohave to pay around 3times as much as in europe for COMPARABLE medical insurance? Can anybody who has an idea of "COMPARABLE medical insurance" confirm or deny this?
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Pandemona
Charlie Sheens House51449 Posts
So i can get my head around the healthcare costs, what is the average monthly wage of an American? Say minimun wage you would take home x amount of $s?
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I found this an interesting read.
Ginsburg demolishing the "broccoli" argument on Pg 93, 94:
Nor would the commerce power be unbridled, absent THE CHIEF JUSTICE’s “activity” limitation. Congress wouldremain unable to regulate noneconomic conduct that has only an attenuated effect on interstate commerce and is traditionally left to state law. See Lopez, 514 U. S., at 567; Morrison, 529 U. S., at 617–619. In Lopez, for example, the Court held that the Federal Governmentlacked power, under the Commerce Clause, to criminalize the possession of a gun in a local school zone. Possessing a gun near a school, the Court reasoned, “is in no sense an economic activity that might, through repetition elsewhere, substantially affect any sort of interstate commerce.” 514 U. S., at 567; ibid. (noting that the Courtwould have “to pile inference upon inference” to concludethat gun possession has a substantial effect on commerce).Relying on similar logic, the Court concluded in Morrison that Congress could not regulate gender-motivated violence, which the Court deemed to have too “attenuated [an] effect upon interstate commerce.” 529 U. S., at 615. An individual’s decision to self-insure, I have explained,is an economic act with the requisite connection to interstate commerce. See supra, at 16–17. Other choices individuals make are unlikely to fit the same or similar description. As an example of the type of regulation hefears, THE CHIEF JUSTICE cites a Government mandate to purchase green vegetables. Ante, at 22–23. One could call this concern “the broccoli horrible.” Congress, THE CHIEF JUSTICE posits, might adopt such a mandate, reasoningthat an individual’s failure to eat a healthy diet, like the failure to purchase health insurance, imposes costs on others. See ibid. Consider the chain of inferences the Court would have to accept to conclude that a vegetable-purchase mandatewas likely to have a substantial effect on the health-carecosts borne by lithe Americans. The Court would have to believe that individuals forced to buy vegetables would then eat them (instead of throwing or giving them away),would prepare the vegetables in a healthy way (steamed or raw, not deep-fried), would cut back on unhealthy foods, and would not allow other factors (such as lack of exercise or little sleep) to trump the improved diet.9 Such “pil[ingof] inference upon inference” is just what the Court refused to do in Lopez and Morrison.
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On June 29 2012 18:24 Mafe wrote:Show nested quote +On June 29 2012 18:09 paralleluniverse wrote:On June 29 2012 18:00 Mafe wrote:On June 29 2012 17:16 CoR wrote: so strange that usa is the ONLY western country without free healthcare , in europe there is 5€ or 10€ for medicin (no matter how much) and even kuba have 2cent for something that kost120€ in usa (medicine, the doc is free there aswell ... only amerca send you ill away if you have no money) i really dont get it Don't spread incomplete information. You have to spend a certain percentage of your income for the health system, i. e. medicine and more (the value usually talked about is ~14%, but obviously there are a lot of calculation rules and your emplyer pays a part of it). So you are actually paying much more for medicine here. Wow, is it really 14% in Germany? In Australia, the cost of universal healthcare is funded by 1.5% of taxable income, called the Medicare Levy. As I said, 14% is value talked about. But for my understanding it is completely wrong to think that "cheap system = good system". I have no idea what people get for the "1.5%" in Australia in comparison to the "14%" in germany and if these the numbers are comparable. I personally feel like I don't pay too much, but that might be because having a chronical desease I receive much more than I pay. However the main flaw imoh here is that too much money goes to pharmacy companies and too little to some (but not all) doctors. Also I hope to see the new health system in the US succeed. And one question about the US: As I mentioned I'm chronically ill. Does this mean I would not get any good health insurance in US with the current system, or what would be ways to get one? And one point: I heard that in the US people tend tohave to pay around 3times as much as in europe for COMPARABLE medical insurance? Can anybody who has an idea of "COMPARABLE medical insurance" confirm or deny this?
National Insurance in the UK is a maximum of 2% of income paid by an employee plus another 12% of income paid by the employer (an employee will not see this 12% on their payslip). That makes around 14% total. This is for the highest earners and many people pay less.
National Insurance pays for health care, state pensions and welfare/benefits.
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On June 29 2012 16:49 Scorm wrote: "Your right to live is potentially at stake when you have the money for the procedure and yet, you cannot have it because there is a waiting list. If this passes, we are no different than the rest of the world."
So a rich person has more right to live than average joe? Why is it so important to be different from the rest of the world?
Congratulations America, I think this one will turn out to be awesome for you.
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The united states supreme court has re-written a law to force it to be constitutional...
Honestly everyone of the 5 who were for this should be impeached and imprisoned for treason. They have blatantly violated the terms of their service, broken the vows of their office, and betrayed the american people.
And for what? A broken bill and a precedent that Congress can use taxes to strong arm the peopel of america into purchasing whatever they order them to.
Lady Liberty just took one hell of a beating.
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On June 29 2012 18:35 Pandemona wrote: So i can get my head around the healthcare costs, what is the average monthly wage of an American? Say minimun wage you would take home x amount of $s?
Minimum wage is $7.25 at the federal level, but some states have slightly higher or lower. The problem when talking about average wage in america is it doesn't mean that since there is an incredible income gap between high and low earners.
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On June 29 2012 18:41 kyllinghest wrote:Show nested quote +On June 29 2012 16:49 Scorm wrote: "Your right to live is potentially at stake when you have the money for the procedure and yet, you cannot have it because there is a waiting list. If this passes, we are no different than the rest of the world."
So a rich person has more right to live than average joe? Why is it so important to be different from the rest of the world? Congratulations America, I think this one will turn out to be awesome for you.
Yeah, that raised my eye too. Apparently medical care should be on some kind of first come first serve basis for those who can afford it, so market forces can govern health, and the rich can get dibs.
On June 29 2012 19:10 Ironsights wrote: The united states supreme court has re-written a law to force it to be constitutional...
Honestly everyone of the 5 who were for this should be impeached and imprisoned for treason. They have blatantly violated the terms of their service, broken the vows of their office, and betrayed the american people.
And for what? A broken bill and a precedent that Congress can use taxes to strong arm the peopel of america into purchasing whatever they order them to.
Lady Liberty just took one hell of a beating.
Sure thing bro, you clearly know more about how the system of checks and balances work more than the Justices of the SCOTUS.
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On June 29 2012 18:09 paralleluniverse wrote:Show nested quote +On June 29 2012 18:00 Mafe wrote:On June 29 2012 17:16 CoR wrote: so strange that usa is the ONLY western country without free healthcare , in europe there is 5€ or 10€ for medicin (no matter how much) and even kuba have 2cent for something that kost120€ in usa (medicine, the doc is free there aswell ... only amerca send you ill away if you have no money) i really dont get it Don't spread incomplete information. You have to spend a certain percentage of your income for the health system, i. e. medicine and more (the value usually talked about is ~14%, but obviously there are a lot of calculation rules and your emplyer pays a part of it). So you are actually paying much more for medicine here. Wow, is it really 14% in Germany? In Australia, the cost of universal healthcare is funded by 1.5% of taxable income, called the Medicare Levy. ObamaCare actually sounds a bit like the system in Germany (Switzerland and Netherlands also work like that, I think). Everyone needs insurance, there are a bunch of competing insurance companies, and the rates are scaling with your income, as if it would be a progressive tax, the rates starting at something like 300 € a month and capped at 700 € (I am probably quite wrong about the numbers). If you have nothing, the government helps you to pay, the same as it helps you pay your rent and food. If you are employed, half is payed by your employer.
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On June 29 2012 18:41 kyllinghest wrote:Show nested quote +On June 29 2012 16:49 Scorm wrote: "Your right to live is potentially at stake when you have the money for the procedure and yet, you cannot have it because there is a waiting list. If this passes, we are no different than the rest of the world."
So a rich person has more right to live than average joe? Why is it so important to be different from the rest of the world? Congratulations America, I think this one will turn out to be awesome for you.
Well, natural selection and all that.
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Good thing the USA isn't in a 15 trillion dollar debt hole and they can easily afford this policy. Whats next on Obamas policy radar? Maybe closing Guantanamo Bay like he promised when he won the election back in 08'? Deadline over two years now and counting..... Balls in your court Obama.
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On June 29 2012 15:35 Pillage wrote:Show nested quote +On June 29 2012 14:43 FabledIntegral wrote:On June 29 2012 14:35 rogzardo wrote:On June 29 2012 14:08 JonnyBNoHo wrote:On June 29 2012 13:15 rogzardo wrote:On June 29 2012 13:09 JonnyBNoHo wrote:On June 29 2012 13:02 rogzardo wrote:On June 29 2012 13:00 JonnyBNoHo wrote:On June 29 2012 12:43 rogzardo wrote:On June 29 2012 12:41 JonnyBNoHo wrote: [quote]
No, nobody NEEDS health insurance. They need healthcare. You can pay for healthcare in a number of ways that does not involve insurance.
Ex. You could have all pre-existing conditions paid for by the government through Medicaid.
I'm uninsured, and this is an honest question. How can I have my health care paid for? Cash. Some doctors / hospitals will even give cash discounts if you ask. Many will provide free or discounted care if you cannot afford it. If it is something simple, look for a free clinic nearby. Lol. If I had the fucking cash, I wouldn't need somebody else to pay for it, no? If johnny factory worker gets maimed by the bandsaw, and the surgery is 10 grand, I don't think a discount for paying cash is going to cut it. EDIT: And if I just don't pay, or the services are free, then the hospital is the one eating the bill. I'd much rather tax rich corporations slightly. Getting hurt in the factory would be covered by workers' compensation. Taxing 'rich corporations' largely gets passed on to consumers (to what degree depends on the industry). If you want that, fine, but you should know what you are asking for. Rich corporations being insurance companies, pharmaceutical companies, medical device sales, etc. They are corporations, and they're certainly rich. I agree some costs will inevitably trickle down, but it may not be as bad as you think. From whitehouse.gov.... [i]Value for Your Premium Dollar: Thanks to the Affordable Care Act’s 80/20 rule, if insurance companies don’t spend at least 80 percent of your premium dollar on medical care and quality improvements rather than advertising, overhead and bonuses for executives, they will have to provide you a rebate. The first rebates will be made in the summer of 2012. Pointless rule as it is easy to game. Just pile on more services (and higher premiums) so that your admin costs shrink as a percentage and health insurance co.'s walk away with fatter profits. Normally competition would keep profits low but the 80/20 rule will impact small co.'s more than large co.'s. Over time we'll be left with an oligopoly with expensive plans and fat profit margins. Damn again dude. If you had quoted the very next paragraph of my post it said.... Stopping Unreasonable Rate Increases: In every State and for the first time ever, insurance companies are required to publicly justify their actions if they want to raise rates by 10 percent or more. It's almost like I saw into the future and answered your question before you asked, but then you just didn't read it. They still had to justify it before hand. They just didn't have to do it publicly. And by justify I mean if they got audited by the state government, they had to have ALREADY documented it beforehand the reason for increases (or even decrease). Not to mention that the vast majority of states require all insurance companies submit to the state gov't whenever they want to change it, unless the changes are within a certain % of their existing rate. And increases are far more heavily scrutinized than decreases. On June 29 2012 14:41 Pillage wrote:On June 29 2012 14:27 FabledIntegral wrote:On June 29 2012 14:21 Pillage wrote:On June 29 2012 14:16 FabledIntegral wrote:On June 29 2012 13:50 Pillage wrote:On June 29 2012 13:38 Probe1 wrote: Yeah, despite the crass ending white_horse is pretty damn spot on. A disproportionate amount of health care recipients are there for preventable, life style disorder/diseases. There's a fair few diabetics that, had they not swilled sugary colas and lived off M&Ms, would not need medical treatment. Same could be said for smoking and drinking related health issues.
It should not represent the majority of an argument but it is an important point. My issue with it is the fact that we are only squeezing out like 75 - 80 % efficiency from medicare and medicaid, and now we choose to spend even more money when all of the tools for pretty much fixing the situation are already in the toolbox. We have so many other options than simply throwing more money at the problem. Medical costs will rise sharply as a result of even more shitty subsidization by a government that has absolutely no idea how to get every penny out of the dollars it spends. What do you mean by squeezing out 75-80% efficiency? Do you realize that is the same average amount for insurance companies? For every premium dollar insurance companies take in, they pay about $0.75 to $0.80 back in claims on average. Then they have to pay a premium tax to the government (regardless if they make a profit or take a loss), pay the salaries of all the staff, pay overhead costs, etc. And if it's a mutual type of insurance company, a large portion of profits, if there are any that year, go directly back to the policyholders, as the policyholders are the ones that own the company in the first place. I should have elaborated more. By efficiency I meant that all of the money that goes toward fixing the problem actually plays a role in the treatment of whatever ailment is present. I understand that the overhead causes some money to be taken out but I'm strictly looking at money being used for treatment / doctor salary. So sorry, I'm not following exactly, probably my fault as I haven't kept up with this thread too much but mostly glanced over it for the past few days. You're trying to say that after all overhead costs, if you have $10,000 allocated for a treatment, only $8,000 gets paid towards it and the other $2,000 disappears somehow through inefficiency? If you're not accounting for overhead, where's the lack of efficiency? Alot of it is tied up in preventative things. Tests that need to be ordered despite all evidence collected by the MD pointing against condition X. It doesn't disappear, it just doesn't get put to practical use that will treat the patient. Medicine is full of this stuff and it's more often than not a result of bad policy from Administration and Government. The rabbit hole actually goes quite deep :/ More problems arise due to misinformation resulting from poor medical records that prevent care from being administered in the optimal manner. This is a common problem at many of the older hospitals / clinics that are usually frequented by not the richest of folks. For example, a MD may order a test to be done, not knowing that the previous doctor for a patient ordered the same test but the results are now gone. This happens often individually with patients who either - Travel / Move Frequently for Work - Have pre-existing conditions - Require extensive tests for certain conditions. There is a ton of money to be made in optimizing hospital patient databases, I have several acquaintances that actually travel and do this for a living, and make damn good money in the process. There are other things I'm sure you could think of, I'm too tried to come up with more off the top of my head. Many people will look at these things and think that these are little things that don't matter. I will disagree and make the case that throughout every optimization process, every system that is curtailed to approach perfection, its the little things that matter the most more often than not because of the frequency of which they occur. The bottom line is that we don't need more money, we just need to spend it smarter and give people the abilities to maximize their utility. So it's not really medicare specific then? Is this typically related to how U.S. hospitals operate? I was always under the impression the United States system was significantly more efficient in terms of providing service, record keeping, etc. than other countries, but just charged a shitton for it. Alot of it just centers around our current policies toward medicine. I can say that the US is very good with it's care quality as well as the expedience of many of the procedures. There are three great things about having a private Medical Industry, everyone knows what they're doing, they're experienced, and they'll fix you up fast as hell. I'm not sure about how well it handles the "paperwork" relative to Single Payer countries but I'd bet is a little bit better because the government lets it do its own thing. The main issue is the fact that when you introduce government into the equation it's "one more phone call you need to make" if you know what I mean. The introduction of bureaucrats slows the process down, as they don't really know what's going on, they're just a check-step for all of the procedures. Hospital administrators are just as guilty too for slowing things down, but they often can see all of the pieces on the board when a patient is being treated, and serve their purpose for 'conducting the orchestra" on a day to day basis. That is the inevitable result of subsidization though, things become more expensive for everyone and overall quality drops because the government must serve the lowest common denominator that requires 80% of all of the work. If there is one thing I like about the law its the fact that it forces the insurance companies to speed the process up by paying for shit right away regardless of what's going on with the patient. That's the way it should work. The doctor gives his orders, the orders are obeyed, the proper money is given for the treatment, and the patent goes home feeling fine. The dynamic between insurance and MD is at the front lines of determining the price of the treatment. You have the insurance company trying to fulfill it's end of the contract while trying to keep costs low, and you have the doctor doing the diagnosis and trying to find the best treatment options for the patient. This is honestly where I don't think any regulation needs to exist anymore, as the IC must pay regardless of what is going on. Chopping off existing regulations here streamlines the process, and I'm disappointed that the bill did no such thing. On another note one more benefit is that it also prevents them (the IC) from blowing off patents who have easy to fix things that if left untreated will go to the ER and jack the bill up for the taxpayers. The law is structured in an ok manner is this regard, there are some other things that are concerning, but i'm too tired to nitpick right now. The converse of that, and what I don't really like, is the fact that the companies will have to pay out the ass to prevent every little thing that's possible from happening to Mr. Smith. This is inevitably what will happen with a large government presence in healthcare, due to the fact that government gives zero fucks about how much money it spends. When the government has that much power over insurance companies, no one will be able to pay for their own healthcare. Are we there yet now? I'm pretty sure we're not, but the direction its going in plus everything else I see in the media today makes it seem to be looming in a more obvious manner. I fundamentally refuse to accept a single-payer system here, as it will obliterate the quality of medicine we've worked so hard to build here and send many prospective doctors into other fields. We need smart people in medicine, as mistakes here are punished through the loss of life on a daily basis, not many other professions can say the same. The bill has some good ideas in it, but my faith in the the effectiveness of their implementation is small, government here has never been known to execute their plans in an effective degree, and I don't see why new legislation is needed when the pieces are already there (Medicaid). The bill also fails to cut regulations in other areas that I deem important now that the bill is law. This is why I don't like new legislation in the first place really, because government can't clean up after itself when it gets a new toy. You argue based on your "feeling" when data seem to disagree with you.
Administrative load (paperwork) of government run "insurance companies" with single payer systems is actually lesser by significant margins than private ones. This can be due to the fact that the private ones in US are also heavily regulated by US, but since you are not for complete deregulation of healthcare, it would seem that it would be better to introduce single payer if efficiency was your concern. Single payer systems are significantly more efficient than the hybrid one you have in US. There was some paper that analyzed that aspect of Canadian system compared to US system, I can find it if you want, but google should do.
Another point is that from the point of view of customer you actually need to make "less phone calls". I come to a doctor, get what I need and leave. Never did I have to call anyone or whatever. Your only contact here is with a doctor, no bureaucrats ever come into the picture from consumer's point of view. From what I know about US system, you have to actually go through much more hassle as you actually have to deal with the insurance company more often. Of course in some cases you might run into some bureaucratic nonsense, but my point is that it is statistically less.
Also it is not true that things become more expensive for everyone. With similar or better results all single-payer countries have cheaper health-care. And it is cheaper not only for the poor, middle-class also benefits as the government through economies of scale and better negotiating position can drive prices down. The only people who have it more expensive are people who did not want to have insurance at all and roll the dice, but have to under single-payer system. Also some richer people might have it slightly more expensive. Depends if the system has upper limit on the amount that a person has to pay into the system and how high it is.
Your view about how doctors treat and ICs pay is kind of naive, as ICs will delay and even withold the payment as long as possible if they can find a way. That is where the regulation comes in to prevent them from doing the most nasty shit. Of course here the people handling the money also try to pay as little as possible, but they have it much harder as there is very little loopholes for them to use, but in this our system is fucked up compared to some other single-payer countries as we have private insurance companies handling the public money and paying the doctors.
As for the quality of medicine (ignoring the whole insurance issue), single-payer systems do not decrease it. Wealthy countries running single-payer systems have similar quality of healthcare as US. There are individual differences, but they are caused by things other than single-payer system.
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On June 29 2012 20:50 iPlaY.NettleS wrote: Good thing the USA isn't in a 15 trillion dollar debt hole and they can easily afford this policy. Whats next on Obamas policy radar? Maybe closing Guantanamo Bay like he promised when he won the election back in 08'? Deadline over two years now and counting..... Balls in your court Obama.
Herpa derpa doo, lets shit all over another thread.
1) Do you have any definitive proof that this bill is going to cost the US more over the next 20 years than the already shitty existing system? Or do you just "feel" like this bill is going to be a huge cost? 2) Remember what happened when Obama tried tried to federally prosecute the Guantanamo inmates? Yeah? And how the congressional peeps flipped some tables over "legitimizing" the terrorists? You word it like he was able to unilaterally close Guantanamo.
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On June 29 2012 20:50 iPlaY.NettleS wrote: Good thing the USA isn't in a 15 trillion dollar debt hole and they can easily afford this policy.
This has become a zombie idea. No matter how many times it gets debunked, people still repeat it despite the fact that its completely untrue.
Read my posts starting here and the subsequent arguments that happens over the following few pages: http://www.teamliquid.net/forum/viewmessage.php?topic_id=322937¤tpage=53#1057
Funny to see an Australian against Obamacare. You want to end our Medicare too?
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On June 29 2012 20:50 iPlaY.NettleS wrote: Good thing the USA isn't in a 15 trillion dollar debt hole and they can easily afford this policy. Whats next on Obamas policy radar? Maybe closing Guantanamo Bay like he promised when he won the election back in 08'? Deadline over two years now and counting..... Balls in your court Obama. You can blame Bush policies and a continual increase in military spending for the debt - only about 1.7 trillion of it is Obama's.
Guantanamo closure was veto'd by congress.
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Disclaimer: I haven't read the thread, this is just my reaction.
The main issue for me here is that unprecedented expansion of the governments power.
Basically, the government now has the right to demand money from me (tax) when I don't do what they want me to do. Sure, right now it's healthcare, which is a good thing. I'm not mad about it being healthcare. But the precedent is now set that they can do this for whatever they see fit. There's nothing to stop them from demanding I pay them money if I don't by HoTS, or any other private product sold by a private company.
I'm not saying they will do this, but the power is now theirs to control, and with human nature being what it is, its more than likely it's only a matter of time before such power gets abused. These are the liberties we are giving up, and who knows when the price will need to be paid.
(I am all for having everyone have healthcare, especially those who want it but can't afford it, but there has to be a better solution than forcing under penalty of law those who don't want to buy it, especially at the cost of giving the government such control over our lives.)
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On June 29 2012 18:24 Mafe wrote:Show nested quote +On June 29 2012 18:09 paralleluniverse wrote:On June 29 2012 18:00 Mafe wrote:On June 29 2012 17:16 CoR wrote: so strange that usa is the ONLY western country without free healthcare , in europe there is 5€ or 10€ for medicin (no matter how much) and even kuba have 2cent for something that kost120€ in usa (medicine, the doc is free there aswell ... only amerca send you ill away if you have no money) i really dont get it Don't spread incomplete information. You have to spend a certain percentage of your income for the health system, i. e. medicine and more (the value usually talked about is ~14%, but obviously there are a lot of calculation rules and your emplyer pays a part of it). So you are actually paying much more for medicine here. Wow, is it really 14% in Germany? In Australia, the cost of universal healthcare is funded by 1.5% of taxable income, called the Medicare Levy. As I said, 14% is value talked about. But for my understanding it is completely wrong to think that "cheap system = good system". I have no idea what people get for the "1.5%" in Australia in comparison to the "14%" in germany and if these the numbers are comparable. I personally feel like I don't pay too much, but that might be because having a chronical desease I receive much more than I pay. However the main flaw imoh here is that too much money goes to pharmacy companies and too little to some (but not all) doctors. Also I hope to see the new health system in the US succeed. And one question about the US: As I mentioned I'm chronically ill. Does this mean I would not get any good health insurance in US with the current system, or what would be ways to get one?And one point: I heard that in the US people tend tohave to pay around 3times as much as in europe for COMPARABLE medical insurance? Can anybody who has an idea of "COMPARABLE medical insurance" confirm or deny this?
Under the pre-Obamacare system, you would be unable to get insurance, as you would have a pre-existing condition. Insurance companies would label you as being 'too expensive' to insure.
With Obamacare, insurance companies cant turn you down for pre-existing conditions. They *have* to insure you.
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On June 29 2012 21:37 ackbar wrote:Show nested quote +On June 29 2012 18:24 Mafe wrote:On June 29 2012 18:09 paralleluniverse wrote:On June 29 2012 18:00 Mafe wrote:On June 29 2012 17:16 CoR wrote: so strange that usa is the ONLY western country without free healthcare , in europe there is 5€ or 10€ for medicin (no matter how much) and even kuba have 2cent for something that kost120€ in usa (medicine, the doc is free there aswell ... only amerca send you ill away if you have no money) i really dont get it Don't spread incomplete information. You have to spend a certain percentage of your income for the health system, i. e. medicine and more (the value usually talked about is ~14%, but obviously there are a lot of calculation rules and your emplyer pays a part of it). So you are actually paying much more for medicine here. Wow, is it really 14% in Germany? In Australia, the cost of universal healthcare is funded by 1.5% of taxable income, called the Medicare Levy. As I said, 14% is value talked about. But for my understanding it is completely wrong to think that "cheap system = good system". I have no idea what people get for the "1.5%" in Australia in comparison to the "14%" in germany and if these the numbers are comparable. I personally feel like I don't pay too much, but that might be because having a chronical desease I receive much more than I pay. However the main flaw imoh here is that too much money goes to pharmacy companies and too little to some (but not all) doctors. Also I hope to see the new health system in the US succeed. And one question about the US: As I mentioned I'm chronically ill. Does this mean I would not get any good health insurance in US with the current system, or what would be ways to get one?And one point: I heard that in the US people tend tohave to pay around 3times as much as in europe for COMPARABLE medical insurance? Can anybody who has an idea of "COMPARABLE medical insurance" confirm or deny this? Under the pre-Obamacare system, you would be unable to get insurance, as you would have a pre-existing condition. Insurance companies would label you as being 'too expensive' to insure. With Obamacare, insurance companies cant turn you down for pre-existing conditions. They *have* to insure you.
So does this mean you could just pay the penalty (a minimal amount) and then if something bad happens to you, suddenly take out the maximum insurance policy, get maximum benefits, and then once you are well, (assume you get well) then you can just cancel it and go back to paying the minimum?
edit: this =/= these
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On June 29 2012 21:36 LaughingTulkas wrote: Disclaimer: I haven't read the thread, this is just my reaction.
The main issue for me here is that unprecedented expansion of the governments power.
Basically, the government now has the right to demand money from me (tax) when I don't do what they want me to do. Sure, right now it's healthcare, which is a good thing. I'm not mad about it being healthcare. But the precedent is now set that they can do this for whatever they see fit. There's nothing to stop them from demanding I pay them money if I don't by HoTS, or any other private product sold by a private company.
I'm not saying they will do this, but the power is now theirs to control, and with human nature being what it is, its more than likely it's only a matter of time before such power gets abused. These are the liberties we are giving up, and who knows when the price will need to be paid.
(I am all for having everyone have healthcare, especially those who want it but can't afford it, but there has to be a better solution than forcing under penalty of law those who don't want to buy it, especially at the cost of giving the government such control over our lives.)
The government has always had the right to demand money from you in the form of taxes. And the government has always had the right to tax you and make you pay for things you dont like, use or agree with. This really doesn't change that. For instance, I have a moral objection to the wars in Iraq and Afghanistan, yet I fund them.
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