Showing posts with label Paul Ryan High Risk Pools. Show all posts
Showing posts with label Paul Ryan High Risk Pools. Show all posts

Thursday, July 27, 2017

The Truth about Health Care GOP BS!!!

The simple truth about ObamaCare is this; it's a conservative, Heritage Foundation health care plan that includes over 100 Republican amendments. You can't get any more Republican than that! 

And yet the GOP has successfully sold the public on the idea that this is a liberal big government solution to a non-existent problem, forced on us by President Obama. The truth is, the CBO projections on both the House and Senate plans does two things; it tells us how bad their reform plans are, and most importantly, shines a light on how bad the free market version of health care will be, again.

Taxpayers on the Hook with High Risk Pools: Seriously, one of the biggest complaints by conservative voters is the idea their health care dollars would be used to pay for someone else's treatment. It drives me crazy. They must think their premium payments are being put aside for just them. So who pays for the insurance company employees and their wealthy CEO's?

Getting Rid of Health Insurance Completely: Why pay for insurance at all!!! Just automatically enroll sick people into the high risk pools, paid for by general tax revenue, and do away with the crazy idea of insurance for the healthy. Dumb Ron Johnson below is basically making that argument, but doesn't know it.  


Government Health Care Doesn't Work? Just the opposite, since every other industrialized country in the world has proved over and over that it does work. By the way, there isn't one example of a successful free market health care system anywhere. None.

Paul Ryan admits, Universal Health Care - Medicare for All Better Deal: He did, in a 2009 comment on ObamaCare, saying private insurers couldn't compete with the better government deal.



Tuesday, April 4, 2017

RyanCare secret negotiations put Financial Burden on the Sick so everyone else can save money.

Secret Negotiations: The GOP's health care reform bill just got a whole lot worse, by punishing Americans who can't stay healthy. Really, what's the problem with people getting sick?

The grotesque idea health care starts with our ability to pay, so insurers can maintain their healthy profit margins, is still not getting the public attention it should.

So everything pouring out of the Freedom Caucus and Paul Ryan's continuing secret negotiations is going to land on the vulnerable sick. And because Ryan's plan is so complex, no one is going to fully understand the following brutal attack on sick people. Let me try...:
The White House is laying the groundwork for negotiations to move quickly,  hinge on Republicans accepting changes to their health care bill that would violate a key promise from President Donald Trump, namely that insurers would have to offer plans to people with pre-existing conditions.

While those regulations would still technically exist, the idea is that the House bill would now allow states to opt out of “community rating” regulations, which compel insurers to offer plans at the same rate for sick people. Conservatives believe those people would then go into so-called high-risk pools for coverage, but the effect would still likely lead to people who need health care the most paying the most ― or not being able to afford coverage at all. NOTE:
(a majority of states ran high-risk pools before the Affordable Care Act, and the pools were notorious for high premiums and deductibles, along with annual or lifetime limits on coverage. In other words, the pools lacked the kind of coverage and protections that people with medical problems need ― and they frequently wouldn’t cover pre-existing conditions for six to 12 months.) 
Ditching those protections would let insurers charge exorbitant rates for people with pre-existing conditions while also offering plans that don’t offer key services, like ... hospitalization or lab services.
Just short of taking out a gun and shooting sick people, Rep. Meadows made this jaw dropping concession:
Freedom Caucus Chairman Mark Meadows (R-N.C.) said when pressed on whether gutting the community rating provisions would allow insurers to charge people with pre-existing conditions more, he acknowledged that some sick people may be picking up the slack so that premiums of the healthy would go down.
“The fundamental idea is that marginally sick people would pay the risk associated with their coverage.”  

Sunday, February 26, 2017

High Risk Pools make Taxpayers, not Insurance Companies, to pay for Preexisting Conditions.

You will be hearing a lot about high risk pools, but you won't be told how bad they are.

Even worse, it forces the public to pay for the sick, in tax dollars and higher insurance premiums, while private insurance companies rake in billions covering healthy people. Seriously, you buying this?

Democrats apparently have not done their homework, because otherwise they would shouting on every roof top blaming Republicans for shifting the cost of preexisting conditions off onto taxpayers. Yup, some of the same taxpayers who complained about paying for someone else's medical care with their hard earn money.

Here's the GOP health care reform scam:

The plan includes $10 billion per year in “state innovation grants,” which are a version of high-risk pools to help sick people get coverage and stabilize premiums but appear to allow for a broader array of uses for the money by states. Prior to the passage of the Affordable Care Act, however, many of these state plans ended up being so expensive, because they covered only sick patients, that they had to cap enrollment.
Think of how many people will be uninsurable each and every year. We're human, most of us will get sick. At a recent town hall, one constituent presented this angle:


To get a handle on just what this means...look at what happened before the ACA:
High-risk pools have been tried before, with mixed results. It worked like this: 
1. Sick people with problems ranging from arthritis to congestive heart failure were placed in a separate insurance pool, with government and insurance companies helping to cover costs. 

2. They were also charged higher rates, up to double the amount paid by consumers with no serious ailments.  

3. 30 states that had high-risk pools, net losses piled up to more than $1.2 billion in 2011, the height of the pools before the Affordable Care Act took full effect.

4. The programs covered about 225,000 Americans back then. 

5. Most pools had lifetime and annual limits on coverage. Some imposed waiting periods of up to a year for coverage of a pre-existing condition.

6. Some states offered income-based assistance. Most did not.

7. In every state that ran a high-risk pool in 2011, medical expenses outpaced premiums, and losses averaged $5,500 per enrollee. States used fees and taxes to make up the difference. 
Health care base on Ideology, not Reality: 
The nonpartisan Kaiser Family Foundation estimates that 27 percent of adults under age 65 have health conditions that would likely leave them uninsurable under practices that existed before the health care overhaul. Affordability is another matter, and would be handled differently in each state under the GOP plan.