The Affordable Care Act

[merrylander]

Heard some Repub being interviewed on Newshour last night who wanted negotiation. He said that the extreme left would never negotiate. Hell yes they would - for SinglePayer.

[CarlV]

On my Congressman's website.

Carl

[bobabode]

^ Truth.^

[Twodogs]

I still haven't had an explanation as to why all of the insider Democrat supporters got exemptions? Why do we want to be exempt from something that is so much better than what we have. I'm serious with this question. I was looking forward to saving a bundle because I don't have any kids. In the Union they don't worry about stuff like that, everyone pays the same, so I end up kicking in for the guy with 8 kids. I was really looking forward to having them put the 9 dollars an hour that I pay now, back on my check, and letting me get my own. Can anyone tell me why everyone lined up for exemptions? I don't get it. How much would a two person plan cost I wonder. (me and the wife)

[whell]

Originally Posted by Twodogs

I still haven't had an explanation as to why all of the insider Democrat supporters got exemptions? Why do we want to be exempt from something that is so much better than what we have. I'm serious with this question. I was looking forward to saving a bundle because I don't have any kids. In the Union they don't worry about stuff like that, everyone pays the same, so I end up kicking in for the guy with 8 kids. I was really looking forward to having them put the 9 dollars an hour that I pay now, back on my check, and letting me get my own. Can anyone tell me why everyone lined up for exemptions? I don't get it. How much would a two person plan cost I wonder. (me and the wife)

Because its likely the way your plan is structured the claims risk is spread across the entire group. If employees were allowed to opt out of the plan, the results would be disastrous for the plan's funding, and the cost for the guy with 8 kids would skyrocket.

[BlueStreak]

Originally Posted by whell

Because its likely the way your plan is structured the claims risk is spread across the entire group. If employees were allowed to opt out of the plan, the results would be disastrous for the plan's funding, and the cost for the guy with 8 kids would skyrocket.

Bingo.

As I have always understood it, that is how insurance of any sort is supposed to work. Insurance has always been collectivist in nature. Everyone in the plan pays into the fund and all costs are defrayed through payment from the fund.

IMO, doing it any other way makes the point of having an insurance system moot. Without the fund, you might as well just pay bills by incurring personal debt and repaying over time. Of course, this would only work for the few who can afford the debt. And, if you are no longer working, due to injury or illness....................................

What I find disturbing is that so few people seem to understand that these days. They have carried their notion of self-sufficiency to extremes that, IMHO, cannot lead to anything but disaster.

[BlueStreak]

Originally Posted by whell

Because its likely the way your plan is structured the claims risk is spread across the entire group. If employees were allowed to opt out of the plan, the results would be disastrous for the plan's funding, and the cost for the guy with 8 kids would skyrocket.

You see, Mike. I would actually care about the guy with the eight kids. We now live in a society where many would view him as a "moocher" who created his own problem by having too many kids, scheming to stick them with the bill. They firmly believe he should have to carry that load on his own. And, if he can't? Tough.

Some people think this mindset makes them "Real Americans".

I think it just makes them selfish bastards. But, that's me, I'm just crazy that way.

Dave

[donquixote99]

Originally Posted by Twodogs

I still haven't had an explanation as to why all of the insider Democrat supporters got exemptions? Why do we want to be exempt from something that is so much better than what we have. I'm serious with this question. I was looking forward to saving a bundle because I don't have any kids. In the Union they don't worry about stuff like that, everyone pays the same, so I end up kicking in for the guy with 8 kids. I was really looking forward to having them put the 9 dollars an hour that I pay now, back on my check, and letting me get my own. Can anyone tell me why everyone lined up for exemptions? I don't get it. How much would a two person plan cost I wonder. (me and the wife)

You're very non-specific, so i can't answer your question except in generalities. Like, you say "everyone" lined up for exemptions. That's just a way of talking, and i understand it, but it doesn't tell me who you're actually talking about.

Anyone who can get a good deal for themselves goes for it. That's the way the world works, and it's the generic answer to your question. Doesn't mean ACA is good or bad, just means they go for a special advantage if they have the leverage to get it. Some of it is abusive, no doubt. Some of such stuff has been corrected.

You may have in mind the deal with the Congressional staffers 'exemption.' That his been distorted. Here's the story on that.

First, Congress and staffers would have continued to get health insurance from the Federal health insurances programs that exist, like all other federal employees. They would have continued to get a large contribution toward the health plan cost from their employer, like all federal employees. This would have been similar to all private employees that have health insurance from their work, that continues.

Then an amendment got passed that said Congress, and the staff members, would lose their federal insurance and have to go buy insurance on the exchanges, like uninsured people. The amendment wasn't clear on all the details, and it seemed a lot like they would lose the federal contribution to their health care cost, and have to pay the whole freight on the exchange themselves, in effect taking a big pay cut.

This idea bothered congresspersons and staffs, and they, including Republican leaders, worked to get the situation adjusted. This results in a clarifying ruling from the Office of Personnel Management saying that the affected Congress members and employees would continue get their federal health benefit money like they do now, to use to buy insurance on the exchanges. This is a special deal no one else gets, but then no one else has been kicked out of a continuing employer health plan.

And now there is a fundamentally dishonest attempt to make like this deal is somehow awful and should be stopped.

here's a reference: http://www.usatoday.com/story/news/p...acare/2883635/

[BlueStreak]

I'll be surprised if he even bothers to read any of that, or accepts any of it as fact if he does, Don. But, you're right. I posted an article from the Heritage Foundation, of all places, that pretty well explained the falsehood of many of these supposed exemptions.

Having said that, I'm sure TD was referring to the union exemption, which as a union member---he would receive.

Yeah. I know.

Dave

[Rajoo]

This is all part of the same disinformation campaign. Earlier I read here that a lot of people that like ACA, dislike and are opposed to Obamacare. A program of this magnitude will take years to get fine tuned, if given a chance.