Why don't we just have a nationwide high risk pool?  That's what most states did..  If it's nationwide it spreads the risk (cheaper premiums).  DOH!

There are several better ways to handle healthcare than our current plan.
Some people pay nothing, My family plan at work cost $1,017 per month.
This after promising a $2500 per year reduction. It was a big lie, and a big issue last night.
Competition across state lines is a no-brainer. Allowing employees to buy customized plans would save
billions too.
If you are a woman, it's a law (if you get your coverage through work) that your plan must cover maternity. Even it it makes your insurance cost more than having a baby. Even if your 60 years old, and it's impossible to have a baby.
It's a racket.
Hopefully some serious reforms take place, but we may have to clean house totally
before it happens.

clintmartin
There are several better ways to handle healthcare than our current plan.

Quite true.
 
But there are also several ways that are much worse.

drewfx1

clintmartin
There are several better ways to handle healthcare than our current plan.

Quite true.
 
But there are also several ways that are much worse.

 
Perspective is everything.  The situation for me and my family is much worse post ACA.
 
 

BobF

drewfx1

clintmartin
There are several better ways to handle healthcare than our current plan.

Quite true.
 
But there are also several ways that are much worse.

 
Perspective is everything.  The situation for me and my family is much worse post ACA.
 
 

 
**eating chocolate covered graham crackers and getting fat (ter)!**

BobF
For anybody looking for an explanation, this sums it up nicely
 
http://www.cracked.com/bl...at-no-one-talks-about/

Wow, considering that article is from Oct. 12th that is incredibly prophetic.

BobFPerspective is everything.  The situation for me and my family is much worse post ACA.
 

Understood. And you're certainly not the only one that has expressed that. I happen to be better off under the current system.
 
And under the previous system then I used get a dreaded letter from my insurance company every other year telling me how they were raising my premiums by as much as $200 a month, so rising rates is not an entirely new thing.
 
My concern now is not that we go back to the old system as that was still workable for me. It's the fear that something new and as yet unknown comes about that could be seriously, seriously worse for me and others in my situation. Things could go beyond just being more expensive, and for some of us it's not a luxury item that we could do without if need be.

I suggest they have a government high risk pool  (subsidized if necessary).  And let insurance companies go over state lines.  That's a state's rights issue though.  Will it fly?  The goal of the ACA was good, but anyone doofus could see that the premiums are going to go up if the insurance companies need it after absorbing all the unhealthy folks with pre-existing conditions.  That part of the ACA was supposed to be taken care of (the increased costs) by the government until the system leveled out with competition.  A certain person who is one of two somethings in the state of Florida stripped those subsidies  out of the ACA.  His initials are M.R.  But we're not supposed to discuss poly ticks.  I'm just describing what happened and the over arching goals of that particular law.  

Being able to by health insurance cross state lines will create competition and will bring costs bearable. Doctors need to make a living to and when a doctor has a scalpel to my chest I want him to not think about how he is going to pay for all those years of schooling. I also don't want him thinking about his Ferrari either.
 
I refuse to go on government healthcare so I get fined every year. this year it will be over $600. Most people pay very high premiums under Obama care with very high deductibles. My sister pays over $1000 a month and has a $6000 deductible. So before the insurance company will pay anything she has to pay $6000. Now do you know why insurance companies got on board with this? Instant customers , easy money. This is against out constitution but who cares right?

The problem with subsidies is that they are inflationary.  Good or bad, healthcare providers work by the same principles as any other business.  When you make tons of new money available to pay for their products & services, there is nothings to hold down costs.
 
Insurance costs aren't higher because insurance companies are building greater margins.  Insurance costs are higher because the insurance dollars collected have to pay more to providers that are charging more.
 
In many cases, insurance companies are simply paid by self-insurers to administer/manage the process less expensively and with greater levels compliance than hiring specialized staff.
 
Just like anything else the government makes money easy for, price inflation follows.  Education anyone?
 
The ACA guaranteed payment on behalf of millions of new "customers" with zero on the cost control side.
 
There are options, but handing an industry a blank check to be paid by taxpayers and government borrowing isn't the answer.