Quote:
Originally Posted by key
"I must not be liberal thank god. "
That is a quote from the person who left because she felt like she was being judged. That was posted long before I posted my rant about wishing she cared enough to work together politically to change our f-ed up system (not just health care, the entire predator capitalist system we operate under).
The other thing I could not stand reading from her over and over was how lazy she thought other people (I guess people in need specifically) were. F that! Most poor people have to work twice as hard to get half as much in this country. And if anyone should know that she should!
Anyway. I agree with you Jess that this "reform" is f-ed up, but after not having health insurance for the 10 years that I have been self employed, I don't care, I want to see a doctor without fear of going bankrupt due to what they may find.
Jess, there are hardship waivers in this law, have you looked through it? Are you sure that your only option is to take the fine and pay out of pocket? If you feel comfortable PMing me (or posting here) with details of your situation I could comb through this bill and try and answer your specific questions.
Have you done the subsidy calculator already?
|
Key -
Thank you for your offer. I have read the bill and know not only what it won't entail for Jess, but also the fallout to both mine and my special needs son's current coverage. Part of my job is benefits administration and I also can forecast the impact it will have on the coverage we currently offer to our employees.
Just a few thoughts off the top of my head...
Yes, its grand that pre-exists will be no longer. What it doesn't do is cap the premium for those with pre-exists. Unfortunately, I believe that most currently uninsured folks will have higher premiums b/c of this "oversight" in the bill. That will only burden the subsidy/funding issue further.
The tax on the "cadillac plans" - I see this as being handed down to employers in rate hikes - I currently offer three different coverages to our employees - all three would fall into this category. Do you think that BCBS is gonna just absorb the cost?? Hell no. We will see it in rate increases, but they will be much more than the 12-15% per year increases we have seen over the last 4 years and it will effectively force the small business who has employed folks for over 57 years to drop health coverage.
That the federal government would oversee any new plans?? Oh hell no - if Medicare is a shining example of oversight, I'll pass, thanks. Don't even get me started on the Part D debacle and how most of the legislators supporting it went on to be bankrolled by the pharmaceutical companies.
I watched as the state of TN took Medicaid dollars and pooled them into several managed care programs. Anyone caring to take a look at that successful model, feel free to google "TennCare." It was a fiasco that left many covered individuals without medical care because the administration of the plans was so fucked up, providers stopped accepting patients if they were TNCare recipients.
Do I think we need a single payer system? Yes. Do I think that people such as my beloved Jess need to battle chronic, debilitating illness without consistent, proper, adequate medical care? No. Do I think that ANYONE should have to choose between healthcare and food? No. Do I want my government, who has a glorious way of fucking up the simplest of things, involved in the insurance coverage that my son depends on? No. I want a solution - a workable solution. Not a Band-Aid on a gushing artery.
I think this was another "throwing a bone" so that it looked good for midterm elections. I think it was a piss poor effort and would have rather our elected officials really grown a set of balls and went for the tougher fight of Single Payer. It really would have been worth it and not felt like we were sold out or that they settled yet once again.