No more Obamacare in North Carolina in 2017

[piezoe]

I don't see how this gets rid of obamacare.
This doesn't repeal the federal law.
It looks to me like each citizen will still be responsible to get health care coverage or pay the fine imposed by the law.
No policies offered? Then they will have to pay the fine.

To people that are stupid enough to vote for the tyrants that impose these things, I say 'tough' to them.
To others, I sympathize with them.

If you want to get rid of something, you should first think of what follows.

 

[Max E.]

If you want to get rid of something, you should first think of what follows.

Words of Wisdom that democrats should have thought of before they made an already shitty healthcare system even worse.

 

[Wallet]

I agree with piezoe that the system was crazy, and it is even worse now. At least, 90% of people pre-obamacare had decent coverage. Now a lot of those people can't afford the jacked up rates or the gargantuan deductibles, all put in place to subsidize Obama voters.

A full on socialist system would clearly be worse. Think going to DMV.

A mixed system like medicare looks like the likely end point. I'm not advocating it, but it would be better than obamacare. Medicare works pretty well. The finances are getting ready to crash, but I am not sure how much of that is the system itself or the result of outrageous abuses in things like the disability part of it. Still, if you have government running something, rent seekers will game the system. They certainly did it with obamacare, with all kinds of useless mandated coverages that drive up costs. So ideally, you would have a private insurance system, but with some tweaks.

I see at least three major issues in replacing obamacare. One is the linkage of health insurance to employment. It's an historical anamoly that is unfair to anyone paying for health insurance out of their own pocket. Plus it creates all kinds of disincentives, ranging from people not wanting to leave a job because of the insurance to employers holding down their head counts or hours to avoid mandated coverage.

Two is the state by state regulation. Insurance costs vary wildly across the country because insurers sell it on a state by state basis, as required by law. If you had a national risk pool, it would open up the system for innovation and cost savings.

Three is the problem of pre-existing conditions. If you force insurers to cover pre-existing conditions, almost by default you have to enforce a coverage mandate. Otherwise there is an incentive for the young and healthy to wait until they are seriously ill to get coverage. It is a knotty problem, but it is not so serious that the insurance market for the rest of us should get fouled up to address it. Probably the least worst solution is to have some sort of government, ie medicare-type, program for people who get caught without insurance. We already have Medicaid, but that is for the poor. You shouldn't have to go into bankruptcy because of an illness.

It seems a very simple idea to allow insurance pools across state lines....but it would take away some of the leverage the Insurance Companies have over rate costs.. Imo, they don't want lower premiums, hence why that was talked about so much but never put into practice.

 

[Tsing Tao]

If you want to get rid of something, you should first think of what follows.

Is that what the Democrats did when they installed Obamacare?

 

[piezoe]

Is that what the Democrats did when they installed Obamacare?

In my opinion getting anything passed was more important to them then the details. They thought they could fix the defects later and we're willing to make huge compromises just to get access expanded. But they failed to recognize fundamental flaws such as not repealing McCarron Ferguson and leaving the Medical Cartel intact. They also did not anticipate that the Court would allow States to opt out of medicaid expansion. The latter was a death blow because, the way the ACA was structured, it left millions with no access.

 

[piezoe]

It seems a very simple idea to allow insurance pools across state lines....but it would take away some of the leverage the Insurance Companies have over rate costs.. Imo, they don't want lower premiums, hence why that was talked about so much but never put into practice.

McCarron Ferguson would have to be repealed, bringing insurance under Dept. Of Commerce Regs. Insurance companies fought that, and that is why we have McCarran-Ferguson today. That is also why insurance companies are permitted to act in restraint of trade and why you'll go to hell before you can find out What the CEO of the "nonprofit" Blues is paid and what perks the Board receives.

 

[ETcallhome]

looks like in 2017 the ACA SHTF, so whoever is President is going to end up with Hillary's dreaded "contentious debate."

I'm surprised no one has campaigned on "Repeal Obabmacare and replace it with what we had."

 

[gwb-trading]

I don't see how this gets rid of obamacare.
This doesn't repeal the federal law.
It looks to me like each citizen will still be responsible to get health care coverage or pay the fine imposed by the law.
No policies offered? Then they will have to pay the fine.

To people that are stupid enough to vote for the tyrants that impose these things, I say 'tough' to them.
To others, I sympathize with them.

According to our local media coverage, if no ACA compliant policies are offered in your county then you will not have to pay the fine to the IRS.

 

[gwb-trading]

looks like in 2017 the ACA SHTF, so whoever is President is going to end up with Hillary's dreaded "contentious debate."

I'm surprised no one has campaigned on "Repeal Obabmacare and replace it with what we had."

There are some useful regulations within Obamacare -- however nearly all of these can be found in competing plans put forward by Republicans. The requirements to cover pre-existing conditions and children until they are 26 I support.

 

[ETcallhome]

There are some useful regulations within Obamacare -- however nearly all of these can be found in competing plans put forward by Republicans. The requirements to cover pre-existing conditions and children until they are 26 I support.

the whole idea of insurance is to protect those who don't wait for a pre existing condition. Eliminate that restriction and you destroy the very concept of insurance. Why should I buy insurance when my ship is still floating? If it starts leaking I'll buy some insurance.

Ship to shore: Ah, it looks like we may need a little of that insurance after all.