At 11/7/12 04:32 PM, Camarohusky wrote:
Do you even know what Obamacare is? It requires people to purchase their own insurance.
Right, it's manditory to buy (or provide, if you're an employer) insurance, regardless of if you can afford it or not.
The government is not entering the insurance market in a way they haven't already. The government still only operates Medicare and Medicaid.
Um, yes they are. They are requiring people to purchase it.
Actually, it's the Republicans who wanted that. Obamacare is an attempt to ensure that all people have some form of accessible healthcare at all stages, not just the emergency stage as it is now (and how the Republicans wants it to be).
Really? Hmm, the Republican running in the presidential race was saying the exact opposite. He was saying people should be able to buy their own insurance, not subsidize someone elses.
The biggest depressor of healthcare costs is Medicare. Health insurance rates are also heavily inflated by lack of access to preventative medicine because the insurance' copays and deductables are too inequitable. (treatment for an esophageal hole is about 1,000 times more expensive than a doctor's appointment and a lifetime prescription to generic prilosec, yet when the copay to get that prescription goes above $100, people don;t go to the doc until they get that hole, cost all of us higher premiums to pay for the expensive procedure that was wholly avoidable).
The fact that such an explanation is required is an example of how rediculous insurance lobbies, medical lobbies and the government have made this whole thing. IT IS NOT THIS COMPLEX. It can literally be as simple as Doc charges $100 for a check up, you pay out of pocket, the end. Insurance does not even need to be part of the equation at all.
That's why it's called INSURANCE. It's supposed to be there to INSURE you can pay for an expensive procedure. The need for insurance is based on risk, just like any other investment you make. It is not a healthcare solution. But the lobbies and government have fucked with it so much, it is now the ONLY way to pay for ANY medical procedure.