You sell health insurance?
30m lose their access to all but the most emergency health care all at once, itās not far fetched that 5-10% of them end up kicking it as a result.
'Cmon @Joe, I know youāre not a politics n00b. You said Hilary would win before the election was over, maybe you should hold off saying people are going to die before a bill is even brought to the floor 
It is kind of like all of the liberals climate change models that are ridiculously wrong. You just make shit up that sounds catastrophic to win hearts.
This may sound a bit too Libertarian for some of the people commenting on this threadā¦ but, here we goā¦
The United States Federal Government is different than nearly every other country in the world, because (theoretically) its powers are extremely limited.
The main duties of the Fed. Govāt (United States)
* Protect our country from enemies, foreign and domestic (I interpret this as having a strong Army and Navy, and protecting our countryās physical borders to ensure we know exactly what is coming into our country) This also included protecting āAmerican Valuesā essentially, preserving Capitalismā¦ the sole economic school of thought our country was built upon.
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Ensure every American citizen is guaranteed their āgod givenā rights, and to ensure local and state governments do not infringe on these.
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Facilitate/regulate commerce (but not hinder or impede) both interstate and with foreign nations. Article 1 allows the Fed to establish administrative agencies to enforce Fed law that a single state cannot enforce (mostly interstate issues)
*Ensure individuals are free to travel throughout the country and not hindered by certain stateās laws
The Federal Government SHOULD stay the hell out of citizenās personal affairs, but, with that said, they should also ensure that every state in the union also follows that guidance. If two men want to marry each other, no state should have the authority to disallow that. States also should not have the authority to require marriage licenses. States should also be able to dictate what an individual puts into their body, whether itās weed, cocaine, LSD etc. The Federal Govāt should have no interest in this.
The Fed G should also cut Fed income tax in half, or more, for earned income, the tax brackets should be flat, none of this progressive bracket bullshit that penalizes the highest EARNING workers (Doctors, Engineers, Lawyers etc).
Also, standard deductions for individuals should be $35k, allowing individuals to spend untaxed money on food/shelter/healthcare.
Let each individual state set up their own health care services. If someone cannot earn more than $20k a year, they are free to move to a more liberal state that provides subsidized health care for low earners, in return, the wealthy people of that state will take the brunt of the state tax burden.
If you are a hard worker and skilled, and can obtain employment with a company that provides healthcare, feel free to live in a more libertarian state that allows you to keep more of your earned income, in your own pocket.
The Fed G should not provide individual economic safety nets, nor should it subsidize stateās safety nets. That should be up to each individual state to collect taxes how they see fit, to provide for their poor.
Just my $.02
I donāt sell health insurance. Thereās no money in that, clearly since the government is taking it all now.
Most health guys I talk to are working on exit plans because since the government got involved, thereās no profit left after the government is done getting their share.
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Also I do understand insurance, very well, but itās hard to take anyone serious when they are running around defending insurance for people who.clearly couldnāt afford it before the government came along and mandated that carriers join the exchange and offer insurance to people who couldnāt afford it.
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single payer has itās pluses and minuses.
Itās true that everyone up here has access to the same healthcare but there many factors or experiences i have had lately that make me want to come to the US.
I find that it comes down toā¦ āshould everyone have the same healthcare?ā
and what will the quality of that healthcare be if everyone has access to it? including and especially the growing number of people who donāt contribute to it.
my son has a congenital heart defect. 2 holes in his heart. itās a standard surgical procedure to repair but with too much pressure on the system there have been systemic cuts to various budgetary elements and our sonās case went to a board for review and was denied. Not a critical deal, my son will likely be fineā¦ but stillā¦ an easy surgery and we were declined with no way of getting it doneā¦ unless of course we go to the US and pay for it. We couldnāt do it at the time but now that iām typing it and my wife is beside me iām going to look at getting an appointment in Buffaloā¦ referrals?
friend is an oncologist at the local cancer hospital and they cant get a proper MRI machine to meet capacity. the mayor of a Canadian town 4 hours from here needed a cancer procedure that could have easily been done in the province but because of politics and red tape he did a go fund me and went to the US to get the surgery done.
the flip side is thoughā¦ that when you introduce the profit motive in to this stuff it complicates things in other ways. US oncologists speak with my friend i just mentioned and she knows they are recommending treatment plans that are designed in the financial interest of the private practice and not in in the best interest of the cancer patientā¦
this doesnt begin to get into the issues with the US system but it is similarly convoluted at all levels and I donāt think there is any one person who should be confidently saying they know how to fix any of it.
the only places that people should be bragging our their healthcare are nation states that dont need to have any military spending (because the US defends them) or nations that have a rediculous abundance of energy resources, small populations and cold climates where no brown people can walk to (Scandinavia)ā¦ In other words they can afford to just keep throwing money at the problem until everyone is fine.
The fact companies are profitable doesnāt mean selling XYZ product makes you money :lol:
Thatās cool, but the brokers arenāt making money.
Also, to your point, the carriers are more profitable because they are selling high deductible plans that garner the money up front, but the true cost is passed on at the point of service, thus rendering the policy useless to most people who start seeing how much the services are starting to cost.
These new healthcare plans are turning into catastrophic plans and people are getting away from using their insurance.
Push deductibles up as high as possible, keep money in your pocket and pay the carrier the least so that you donāt get fined. What kind of system is that?
You failed to realize that I donāt work for the carriers, I work as a broker. There is no money to be made for brokers because the exchanges have streamlined between the insured and the carrier.
The day that the government got involved in health care is the day the market got fucked up.
The government only got involved because they realized how much money there is to be made. They inflated costs and hit everyone for their % of the pie.
Donāt believe me? Look at how many carriers exited or flat out closed their doors in the exchanges across the country. Itās a broken system that was just inflated by the government to get even fatter.
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there is no question in my mind that single payer is what we need to move to for this to be properly fixed. I could care less about brokers, we have the internet so brokers should even exist (much like car dealerships or realtors), but thatās another topic.
Itās an ignorant view to simply say "The government only got involved because they realized how much money there is to be made. They inflated costs and hit everyone for their % of the pie. " you have to consider what was happening before, and what is happening now. There is a lot to correct, but the root problem of coverage for poor people has always existed under the US system and everybody else has always had to pay for it. Getting people some coverage so they donāt have to use emergency rooms for everything and then walk out without paying is a must. Insurance also doesnāt work without a mandate or people just wait for the car crash then get coverage for the car.
The unfortunate fact of the matter is that poor people CANNOT afford to pay for healthcare. Itās just not possible. Doctors and hospital bills are brutally expensive. A person getting paid minimum wage cannot even fathom paying for services. Health Care costs are expensive and so is Insurance.
So you either hang them out to dry (or more likely, die) or we heavily subsidize them by having wealthier people pay more (ie, get taxed). There is no other option. Single Payer or Private model, it doesnāt matter. To cover every citizen is expensive and the money has to come from somewhere.
The tax implications of this will be unprecedentedā¦ keep in mind, our income tax up here goes OVER 50%ā¦ and our sales tax is 13% and we are more heavily taxed than you guys at virtually every other taxable point as well.
And on top of that, the CDN Govāt likely has lower costs of service and for drugs than you have in the US.
And despite all of that, as i mentioned in my previous post, there are still major cuts to services that make the speed and efficacy of our system much less than yours at times.
the single payer system is only better for poor people. It is much worse for you if you could afford good health care in a private-system.
Poor people having healthcare they really canāt afford to have in the first place, shouldnāt break the system and thatās what itās currently doing.
Not to mention the monopolization happening within the state exchanges and the drugs prices not being regulated, these things are all issues that need to be addressed.
Medicare abuse is ridiculous as well.
Throw the new family paid leave in that is coming to NY very shortly and we have another Cuomo forced law that is going to require businesses to buy more insurance that allows employees to take off up to 8 weeks maternity leave, paying 50% of salary per week. This shoots up to 12 weeks, 67% of salary in 2021. The amount of abuse on this alone will be crazy!
Both parents will be able to take off up to 12 weeks at anytime for maternity, ātaking care of a sick family memberā, basically you name it. Employer has no say in how/when employee uses their time.
Thanks Cuomo, so glad you have businessowners backs on this one!
The cost side is out of control with no end in sight. The US subsidizes the world when it comes to drugs and medical equipment. Medicare for all is the only sustainable long-term solution. People shit on government run things but itās more efficient than any private insurer. Taxes will be higher but Iāve done the annual operating plan for a company with 250,000 employees- what they spend on benefits is insane. Pass that on as a raise and it more than makes up for it. Also, when Pharma Bro gives a drug a 9000% price hike, Uncle Sam gives him a boot in the ass.
The insurance market was fucked long before the govāt ever got involved. It wasnāt OK in 2007.
Hereās a novel idea, how about we stop doing that and I donāt know, put America First? Get the costs under control and stop claiming the answer is, āthe gubment can pay for it!ā. The government doesnāt make money. They donāt sell a product or perform a service. They get their money from the citizens, skim a whole lot off the top, and then distribute that money back to the private sector to buy services. More government is never the answer.
Thanks for the laugh, I really needed that
:tspry: