Republicans Quietly Admit There Will Be No Obamacare Replacement
-
But your premium isn't based on how many services you are using. The risk adjustment process isn't taking into account the risk of each individual person. Medical underwriting was eliminated under ObamaCare.
African Americans account for a higher percentage of heart disease and diabetes cases. Should we charge them more?
-
But your premium isn't based on how many services you are using. The risk adjustment process isn't taking into account the risk of each individual person. Medical underwriting was eliminated under ObamaCare.
African Americans account for a higher percentage of heart disease and diabetes cases. Should we charge them more?
I wish you hadn't asked that question because now we're going to get a racist response from him. The bottom line of all of this is Republicans know once they repeal this law and the very people who believed Obamacare and the ACA were two different things figure out that they were benefiting from the subsidies and everything else, they're going to turn on the Republican party almost instantly. I wouldn't be surprised if the Republicans leave the law in place as is at this point.
-
Many Republicans are expressing concern over it's repeal especially Republican governors. It was easy to hate Obamacare when they thought we were stuck with it. The actual prospect of repeal is a much more difficult thing. People will die and jobs will be lost.
-
But your premium isn't based on how many services you are using. The risk adjustment process isn't taking into account the risk of each individual person. Medical underwriting was eliminated under ObamaCare.
African Americans account for a higher percentage of heart disease and diabetes cases. Should we charge them more?
I wish you hadn't asked that question because now we're going to get a racist response from him. …................
Uhuru, Y'all
So it's racist to say that medical insurance should be underwritten like all other insurance?
What is racist is to say that whites have to subsidize the health insurance of black people. Blacks would have a hissy fit if they had to subsidize white people.
Like with feminists, you claim to want "equality" while demanding special rights/treatment.
I keep forgetting that you can't have any discussion without declaring anyone who disagrees with you as a racist.
ME: I like yellow cars
YOU: That's because you are racistME: I like cookouts in the summer.
YOU: That's the most racist thing anyone could sayYada, yada, yada
-
All other insurance is underwritten based on race? Huh? Can you provide an example of that?
-
Every stat you look at shows that women use more health care than men, hence why women paid more.
Every stat shows that women, while having more accidents, they are at lower speed, thus costing less, hence they pay less.
Every stat shows that women live longer, hence they pay less for life insurance.
Obama-care has men subsidizing women's health care, but men don't get subsided by women for the other forms of insurance. It's the feminist version of gender equality.
Heck, the BBC fired a woman doctor because she said that men need to stop going to the doctor so more women can be seen, even though she admitted that women were already the vast majority of GP patients.
But your premium isn't based on how many services you are using. The risk adjustment process isn't taking into account the risk of each individual person. Medical underwriting was eliminated under ObamaCare.
African Americans account for a higher percentage of heart disease and diabetes cases. Should we charge them more?
Ok…I've read a little regarding Obamacare and I must say this: in order to null underwriting, ALL users are being charged the same amount. Problem is, as raphjd said, there are people who use more health care, so others are charged more in order to compensate.
Now, I don't see a problem with that, society is made upon accepting rights and obligations.
The problem comes when certain groups, in this specific case, women (3rd wave feminists), advocate for an unequal treatment. Here again, have another example: some women are just fine that men are charged more in order to cover their (the females') healthcare, but will jump at the notion of a female being charged more in order to cover a male's healthcare.
raphjd mentioned and extreme case: a female doctor was saying that men, who now have to pay more, should stop coming to the doctor in order so that more females, get more medical attention...when they already use it the most.
Same applies with race. If you are going to subsidize another group's healthcare, they must be willing to do the same for another group or for you, if the situation where you need more healthcare arises.
There are black people, who think white people should be sacrificed for their sake. They have no qualms regarding white people paying more, but if you ask them to pay more healthcare for another race (and when you tell them 'another race' they are thinking 'white people'), they label it as racist and raise their fists.
You can't have one sole group giving out to others. You can't have specific groups receiving special treatments but refusing to give something away in return, or to cooperate when the need arises.
-
All other insurance is underwritten based on race? Huh? Can you provide an example of that?
I said "underwritten", which means they use risk factors to determine costs to each person. Obama-care does not do this, but every other type of insurance does.
Race may not always be specified, but location is. People tend to clump together based on race.
I bet if white men were being subsidized by other groups, SJWs would be protesting to change that.
-
All other insurance is underwritten based on race? Huh? Can you provide an example of that?
I said "underwritten", which means they use risk factors to determine costs to each person. Obama-care does not do this, but every other type of insurance does.
Race may not always be specified, but location is. People tend to clump together based on race.
I bet if white men were being subsidized by other groups, SJWs would be protesting to change that.
That is not at all the same as basing it on race.
-
Well, it's a lot closer to it than Obama-care.
I bet all my various insurances cost a lot less than the people living a few streets over, when I lived in Chicago.
-
Well, it's a lot closer to it than Obama-care.
I bet all my various insurances cost a lot less than the people living a few streets over, when I lived in Chicago.
That's probably true but it's being based on property values and crime rates and things like that. We don't value human bodies the same way as property.
-
I don't know how old you are, but you may remember that gays paid higher health and life insurance than non gays. Simply getting a HIV test was enough to jack up your health and life insurance costs, even when it was required to work certain jobs like the oil industry.
Lifestyle choices should affect how much you pay.
Equality is equality, as long as white men are paying.
-
How would you quantify that? You can smoke for 30 years and get cancer. Did the smoking cause it? There are millions of people who have never smoked a cigarette and still get lung cancer. Why would any insurer even insure someone who has HIV or smokes? They are going to lose money on that patient eventually.
-
The known risks of smoking is factored into the costs of their health/life insurance.
Everything (except lifestyle choices by race) is factored in when calculating the cost of health/life insurance.
++++
The below is from 2009;
In every US state, blacks have the highest obesity rate. The same with hypertension, heart disease and asthma.
Blacks have double the rate of T2 Diabetes compared to whites, and growing bigger each year.
79% of blacks have health insurance vs 88% for whites.
Despite this, blacks die from asthma at a rate of 500% that of whites. Blacks are hospitalized for asthma at a rate of 250% that of whites. Blacks visit the ER for asthma at a rate of 260% for asthma.
Blacks have the highest rate of infant deaths.
Blacks die at a higher rate than any other racial group from survivable cancers. This is despite being 3rd in the most health coverage by race of 7 groups.
-
The known risks of smoking is factored into the costs of their health/life insurance.
Everything (except lifestyle choices by race) is factored in when calculating the cost of health/life insurance.
++++
The below is from 2009;
In every US state, blacks have the highest obesity rate. The same with hypertension, heart disease and asthma.
Blacks have double the rate of T2 Diabetes compared to whites, and growing bigger each year.
79% of blacks have health insurance vs 88% for whites.
Despite this, blacks die from asthma at a rate of 500% that of whites. Blacks are hospitalized for asthma at a rate of 250% that of whites. Blacks visit the ER for asthma at a rate of 260% for asthma.
Blacks have the highest rate of infant deaths.
Blacks die at a higher rate than any other racial group from survivable cancers. This is despite being 3rd in the most health coverage by race of 7 groups.
Smoking isn't factored into the cost at the individual level. A smoker and a non-smoker pay the same price.
-
Medicare does do something similar to what you are proposing. This could work ObamaCare too although there are a number of privacy issues that I'm sure a lot of people wouldn't like.
Medicare Advantage plans (and I think Part D plans) are paid for by Medicare and sometimes the beneficiary also pays a premium to the plan. The amount that Medicare pays the plan is based on the previous years claims data. They mostly look at diagnosis codes so the plan is paid more for a person who has cancer or renal failure than a relatively healthy person. The amount that beneficiary pays does not change based on this data.
-
I've always been asked if I smoke or not when buying health/life insurance. The only time it's not an issue is when it's paid for through work.
-
I believe that no longer happens with ObamaCare.
-
But your premium isn't based on how many services you are using. The risk adjustment process isn't taking into account the risk of each individual person. Medical underwriting was eliminated under ObamaCare.
African Americans account for a higher percentage of heart disease and diabetes cases. Should we charge them more?
Obviously, YES!
Hello! It looks like you're interested in this conversation, but you don't have an account yet.
Getting fed up of having to scroll through the same posts each visit? When you register for an account, you'll always come back to exactly where you were before, and choose to be notified of new replies (either via email, or push notification). You'll also be able to save bookmarks and upvote posts to show your appreciation to other community members.
With your input, this post could be even better 💗
Register Login