Page 8 of 9 [ 131 posts ]  Go to page Previous  1 ... 5, 6, 7, 8, 9  Next

number5
Veteran
Veteran

User avatar

Joined: 15 Jun 2009
Age: 46
Gender: Female
Posts: 1,691
Location: sunny philadelphia

04 Nov 2010, 9:06 am

xenon13 wrote:
The health care mandate is the price for keeping the private insurance racket in the game. The insurance racket says, "We have to ban people with pre-existing conditions and knock people off the rolls because otherwise healthy people will not buy insurance and when they're sick they will and the preexisting condition clause will force us to take him or her - they'll pay premiums only when they're sick while we're paying out more but never paying when they're healthy". Obama wanted to stop the practice of shutting out those with preexisting conditions from the insurance, so the only answer is to make the healthy buy insurance also.

Now, the ideal is for government to run the health insurance and that there be no premiums, instead it is funded through tax revenues. Obama however felt he could not cut out the insurance racket. If he had, then they would have been arrayed against him at the outset. Obama wanted to keep as many of these powerful players onside (Big Pharma, the insurance racket...) to more easily pass the bill. They could have told Big Pharma to lower their price for drugs, to use the government to that end, but they refused in fear of them.

The health care bill is an ugly compromise - and it is so because of Rahm Emanuel, the Blue Dogs and corporate money... not to mention Lieberman.

There are many who object to making people pay a for-profit company for insurance and this is where the public option comes in. With the public option, the health care bill had a significant majority support, but when Lieberman successfully got them to drop it, and then drop the Medicare buy-in (done to spite the liberals, Lieberman admitted), support for the bill plummeted. It was seen as giving everything the vested interests wanted.

The reason US health care is so expensive is that there are so many hands in the cookie jar making profits off of it - the insurance, the big pharma, the hospitals and so forth. The way to save money is to cut the profits out as much as possible, but these profits are used as weapons to bribe candidates to maintain the profits and the privilege and of course keep the health care system expensive. A real fixing of the system must involve confronting these powerful forces and unfortunately Obama seems not cut out for confrontation at all.


QFT!



number5
Veteran
Veteran

User avatar

Joined: 15 Jun 2009
Age: 46
Gender: Female
Posts: 1,691
Location: sunny philadelphia

04 Nov 2010, 9:26 am

mcg wrote:
xenon13 wrote:
The reason US health care is so expensive is that there are so many hands in the cookie jar making profits off of it - the insurance, the big pharma, the hospitals and so forth. The way to save money is to cut the profits out as much as possible, but these profits are used as weapons to bribe candidates to maintain the profits and the privilege and of course keep the health care system expensive. A real fixing of the system must involve confronting these powerful forces and unfortunately Obama seems not cut out for confrontation at all.
The reason health care is so expensive is because is primarily because there is third-party payment for everything (HMOs pay the bill, so consumers don't care what it costs). Why should insurance pay for routine operations? That's not insurance. Your auto insurance doesn't pay for oil changes. Insurance is for things that probably won't happen.

Government created expensive health care with the tax exemption of employer provided health care.


Routine Operations?! Even if routine operations were commonplace, which they're not, an operation is about 1000 times more expesinsive than an oil change, assuming no complications and a fairly simple surgery with a short recovery period. Should we really expect Americans to simply absorb a 25, 50, 100k, or more expendature?

The whole point of insurance is to cover potential expenses, whether they are likely to occur or not. Insurance companies exist, and profit substantially from taking premiums collected and applying them towards benefits paid out. For insurance companies, it is a good thing when healthy consumers pay premiums for services they don't use. For consumers, it is a good thing to be fully protected from any major medical expenses that they might incur. To remove certain medical practices from insurance plans reduce the collected premiums from the insurance campany and leaves the consumer vulnerable to severe economic hardship should something uncovered pop up.

I believe the current figure is 2/3's of all bankruptcies declared today are due to medical bills. This is the direct result of insurance companies reducing their scope of coverage. This is a shameful practice and consumers are forced to accept it because it's the only option they have. People are literally dying because of it.



ruveyn
Veteran
Veteran

User avatar

Joined: 21 Sep 2008
Age: 88
Gender: Male
Posts: 31,502
Location: New Jersey

04 Nov 2010, 9:29 am

number5 wrote:

Routine Operations?! Even if routine operations were commonplace, which they're not, an operation is about 1000 times more expesinsive than an oil change, assuming no complications and a fairly simple surgery with a short recovery period. Should we really expect Americans to simply absorb a 25, 50, 100k, or more expendature?

The whole point of insurance is to cover potential expenses, whether they are likely to occur or not. .


Rebuilding a burnt down home is also expensive. But fire insurance is provided by private firms. The expense of the casualty is not sufficient reason to make it a government run enterprise.

ruveyn



skafather84
Veteran
Veteran

User avatar

Joined: 20 Mar 2006
Age: 40
Gender: Male
Posts: 9,848
Location: New Orleans, LA

04 Nov 2010, 9:48 am

Orwell wrote:
Growing your food is not actually realistic, to both people who suggested that. This is not the 1800s.



I repeat: the tea party wants to return to pre-industrial existence through pre-industrial law and governance. They have no clue what they're actually setting everyone up for.


_________________
Wherever they burn books they will also, in the end, burn human beings. ~Heinrich Heine, Almansor, 1823

?I wouldn't recommend sex, drugs or insanity for everyone, but they've always worked for me.? - Hunter S. Thompson


mcg
Veteran
Veteran

User avatar

Joined: 26 Jan 2010
Age: 34
Gender: Male
Posts: 538
Location: Sacramento

04 Nov 2010, 11:09 am

number5 wrote:
mcg wrote:
xenon13 wrote:
The reason US health care is so expensive is that there are so many hands in the cookie jar making profits off of it - the insurance, the big pharma, the hospitals and so forth. The way to save money is to cut the profits out as much as possible, but these profits are used as weapons to bribe candidates to maintain the profits and the privilege and of course keep the health care system expensive. A real fixing of the system must involve confronting these powerful forces and unfortunately Obama seems not cut out for confrontation at all.
The reason health care is so expensive is because is primarily because there is third-party payment for everything (HMOs pay the bill, so consumers don't care what it costs). Why should insurance pay for routine operations? That's not insurance. Your auto insurance doesn't pay for oil changes. Insurance is for things that probably won't happen.

Government created expensive health care with the tax exemption of employer provided health care.


Routine Operations?! Even if routine operations were commonplace, which they're not, an operation is about 1000 times more expesinsive than an oil change, assuming no complications and a fairly simple surgery with a short recovery period. Should we really expect Americans to simply absorb a 25, 50, 100k, or more expendature?
I'm talking about things we all go to the doctor for multiple times in our lives. Regular checkups, ER visits, dentist visits, etc. When you know for sure that something is going to happen, that's not what insurance is for. You still have to pay for it, in addition to paying your HMO's administration costs and profits.



number5
Veteran
Veteran

User avatar

Joined: 15 Jun 2009
Age: 46
Gender: Female
Posts: 1,691
Location: sunny philadelphia

04 Nov 2010, 12:32 pm

mcg wrote:
number5 wrote:
mcg wrote:
xenon13 wrote:
The reason US health care is so expensive is that there are so many hands in the cookie jar making profits off of it - the insurance, the big pharma, the hospitals and so forth. The way to save money is to cut the profits out as much as possible, but these profits are used as weapons to bribe candidates to maintain the profits and the privilege and of course keep the health care system expensive. A real fixing of the system must involve confronting these powerful forces and unfortunately Obama seems not cut out for confrontation at all.
The reason health care is so expensive is because is primarily because there is third-party payment for everything (HMOs pay the bill, so consumers don't care what it costs). Why should insurance pay for routine operations? That's not insurance. Your auto insurance doesn't pay for oil changes. Insurance is for things that probably won't happen.

Government created expensive health care with the tax exemption of employer provided health care.


Routine Operations?! Even if routine operations were commonplace, which they're not, an operation is about 1000 times more expesinsive than an oil change, assuming no complications and a fairly simple surgery with a short recovery period. Should we really expect Americans to simply absorb a 25, 50, 100k, or more expendature?
I'm talking about things we all go to the doctor for multiple times in our lives. Regular checkups, ER visits, dentist visits, etc. When you know for sure that something is going to happen, that's not what insurance is for. You still have to pay for it, in addition to paying your HMO's administration costs and profits.


Even so, check-ups are expensive, especially for babies who need them quite frequently and receive a multitude of tests and shots that add up to a small fortune pretty quick. It would be a pretty extremist view to eliminate well visits from insurance coverage. Not even republicans would agree with that idea. This sort of care is preventative and essential to avoid major illness and associated expenses.

ER visits, again, are not routine, and dental insurance is completely separate from medical insurance and a rarity to even have at all these days, like vision coverage.

I completely agree that removing profit from the system is a good idea.



number5
Veteran
Veteran

User avatar

Joined: 15 Jun 2009
Age: 46
Gender: Female
Posts: 1,691
Location: sunny philadelphia

04 Nov 2010, 12:42 pm

ruveyn wrote:
number5 wrote:

Routine Operations?! Even if routine operations were commonplace, which they're not, an operation is about 1000 times more expesinsive than an oil change, assuming no complications and a fairly simple surgery with a short recovery period. Should we really expect Americans to simply absorb a 25, 50, 100k, or more expendature?

The whole point of insurance is to cover potential expenses, whether they are likely to occur or not. .


Rebuilding a burnt down home is also expensive. But fire insurance is provided by private firms. The expense of the casualty is not sufficient reason to make it a government run enterprise.

ruveyn


Fire insurance is mandated by the bank in order to obtain a mortgage. I'm not quite sure what my point is here, but I had one when I thought of it. :?

Anyway, a house is not a human being. If an uninsured person cannot afford to rebuild their home, then they might be in financial ruin. If an uninsured person cannot afford to pay for needed surgery, then they might die. There is a significant difference.



ikorack
Veteran
Veteran

Joined: 15 Mar 2009
Age: 32
Gender: Male
Posts: 1,870

04 Nov 2010, 1:44 pm

number5 wrote:
ruveyn wrote:
number5 wrote:

Routine Operations?! Even if routine operations were commonplace, which they're not, an operation is about 1000 times more expesinsive than an oil change, assuming no complications and a fairly simple surgery with a short recovery period. Should we really expect Americans to simply absorb a 25, 50, 100k, or more expendature?

The whole point of insurance is to cover potential expenses, whether they are likely to occur or not. .


Rebuilding a burnt down home is also expensive. But fire insurance is provided by private firms. The expense of the casualty is not sufficient reason to make it a government run enterprise.

ruveyn


Fire insurance is mandated by the bank in order to obtain a mortgage. I'm not quite sure what my point is here, but I had one when I thought of it. :?

Anyway, a house is not a human being. If an uninsured person cannot afford to rebuild their home, then they might be in financial ruin. If an uninsured person cannot afford to pay for needed surgery, then they might die. There is a significant difference.


You could always wait until your about to die and then call an ambulance?

<.<

But really the problem is forcing a product(service if you want to nitpick) on everyone its not good for the consumer it drives prices up and the prices are already high because the insurance companies have a practical monopoly. Really this wouldn't even be an issue if the government actually got off the corporate payrolls.



mcg
Veteran
Veteran

User avatar

Joined: 26 Jan 2010
Age: 34
Gender: Male
Posts: 538
Location: Sacramento

04 Nov 2010, 2:18 pm

number5 wrote:
mcg wrote:
number5 wrote:
mcg wrote:
xenon13 wrote:
The reason US health care is so expensive is that there are so many hands in the cookie jar making profits off of it - the insurance, the big pharma, the hospitals and so forth. The way to save money is to cut the profits out as much as possible, but these profits are used as weapons to bribe candidates to maintain the profits and the privilege and of course keep the health care system expensive. A real fixing of the system must involve confronting these powerful forces and unfortunately Obama seems not cut out for confrontation at all.
The reason health care is so expensive is because is primarily because there is third-party payment for everything (HMOs pay the bill, so consumers don't care what it costs). Why should insurance pay for routine operations? That's not insurance. Your auto insurance doesn't pay for oil changes. Insurance is for things that probably won't happen.

Government created expensive health care with the tax exemption of employer provided health care.


Routine Operations?! Even if routine operations were commonplace, which they're not, an operation is about 1000 times more expesinsive than an oil change, assuming no complications and a fairly simple surgery with a short recovery period. Should we really expect Americans to simply absorb a 25, 50, 100k, or more expendature?
I'm talking about things we all go to the doctor for multiple times in our lives. Regular checkups, ER visits, dentist visits, etc. When you know for sure that something is going to happen, that's not what insurance is for. You still have to pay for it, in addition to paying your HMO's administration costs and profits.


Even so, check-ups are expensive, especially for babies who need them quite frequently and receive a multitude of tests and shots that add up to a small fortune pretty quick. It would be a pretty extremist view to eliminate well visits from insurance coverage. Not even republicans would agree with that idea. This sort of care is preventative and essential to avoid major illness and associated expenses.

ER visits, again, are not routine, and dental insurance is completely separate from medical insurance and a rarity to even have at all these days, like vision coverage.

I completely agree that removing profit from the system is a good idea.

But you do realize that the price of those check-ups are included in the price of the insurance, right? You still pay either way, the difference is with first-party payment health care providers would have more competitive pricing.



Inuyasha
Veteran
Veteran

User avatar

Joined: 12 Jan 2009
Age: 41
Gender: Male
Posts: 9,745

04 Nov 2010, 4:50 pm

Orwell wrote:
Growing your food is not actually realistic, to both people who suggested that. This is not the 1800s.

And for some people, it is possible to get by without a car. I bike instead of driving, but that's not a realistic option for people in many parts of the country (or for anyone physically unable to bike long distances).

Regardless of what you say about it being possible, in principle, to avoid taxes on food, or the mandate to buy auto insurance, that is immaterial because in practice you have no way to avoid all taxes and government fees. I agree that the individual mandate is a bad idea, at least with the current structure of the healthcare reform, but I don't agree with the claims made against its legality by trying to set it apart from other legal mandates.


The point is that when you buy something you are participating in commerce, and the growing own food is realistic for some people.

However, here is the key difference in the situation. All of the example you have given to justify the Mandate is engaging in commerce.

The problem with the health care bill is that it penalizes someone from not engaging in commerce. Short of committing suicide, you are being forced to buy a product just for being alive. That is tyranny, I seriously am expecting (unless a Supreme Court member dies suddenly), that the mandate will be ruled unconstitutional. If that happens the entire law is thrown out because Dems forgot the severability clause which would have allowed the court to simply rule parts of the law unconstitutional.



number5
Veteran
Veteran

User avatar

Joined: 15 Jun 2009
Age: 46
Gender: Female
Posts: 1,691
Location: sunny philadelphia

04 Nov 2010, 5:19 pm

mcg wrote:
number5 wrote:
mcg wrote:
number5 wrote:
mcg wrote:
xenon13 wrote:
The reason US health care is so expensive is that there are so many hands in the cookie jar making profits off of it - the insurance, the big pharma, the hospitals and so forth. The way to save money is to cut the profits out as much as possible, but these profits are used as weapons to bribe candidates to maintain the profits and the privilege and of course keep the health care system expensive. A real fixing of the system must involve confronting these powerful forces and unfortunately Obama seems not cut out for confrontation at all.
The reason health care is so expensive is because is primarily because there is third-party payment for everything (HMOs pay the bill, so consumers don't care what it costs). Why should insurance pay for routine operations? That's not insurance. Your auto insurance doesn't pay for oil changes. Insurance is for things that probably won't happen.

Government created expensive health care with the tax exemption of employer provided health care.


Routine Operations?! Even if routine operations were commonplace, which they're not, an operation is about 1000 times more expesinsive than an oil change, assuming no complications and a fairly simple surgery with a short recovery period. Should we really expect Americans to simply absorb a 25, 50, 100k, or more expendature?
I'm talking about things we all go to the doctor for multiple times in our lives. Regular checkups, ER visits, dentist visits, etc. When you know for sure that something is going to happen, that's not what insurance is for. You still have to pay for it, in addition to paying your HMO's administration costs and profits.


Even so, check-ups are expensive, especially for babies who need them quite frequently and receive a multitude of tests and shots that add up to a small fortune pretty quick. It would be a pretty extremist view to eliminate well visits from insurance coverage. Not even republicans would agree with that idea. This sort of care is preventative and essential to avoid major illness and associated expenses.

ER visits, again, are not routine, and dental insurance is completely separate from medical insurance and a rarity to even have at all these days, like vision coverage.

I completely agree that removing profit from the system is a good idea.

But you do realize that the price of those check-ups are included in the price of the insurance, right? You still pay either way, the difference is with first-party payment health care providers would have more competitive pricing.


If check-ups were not coverd directly by insurance, people would be more likely to avoid them altogether, especially in our tough economy. This has negative repercussions for the health and wallets of both the consumers and the industry.



number5
Veteran
Veteran

User avatar

Joined: 15 Jun 2009
Age: 46
Gender: Female
Posts: 1,691
Location: sunny philadelphia

04 Nov 2010, 5:22 pm

Inuyasha wrote:
Orwell wrote:
Growing your food is not actually realistic, to both people who suggested that. This is not the 1800s.

And for some people, it is possible to get by without a car. I bike instead of driving, but that's not a realistic option for people in many parts of the country (or for anyone physically unable to bike long distances).

Regardless of what you say about it being possible, in principle, to avoid taxes on food, or the mandate to buy auto insurance, that is immaterial because in practice you have no way to avoid all taxes and government fees. I agree that the individual mandate is a bad idea, at least with the current structure of the healthcare reform, but I don't agree with the claims made against its legality by trying to set it apart from other legal mandates.


The point is that when you buy something you are participating in commerce, and the growing own food is realistic for some people.

However, here is the key difference in the situation. All of the example you have given to justify the Mandate is engaging in commerce.

The problem with the health care bill is that it penalizes someone from not engaging in commerce. Short of committing suicide, you are being forced to buy a product just for being alive. That is tyranny, I seriously am expecting (unless a Supreme Court member dies suddenly), that the mandate will be ruled unconstitutional. If that happens the entire law is thrown out because Dems forgot the severability clause which would have allowed the court to simply rule parts of the law unconstitutional.


So another argument for why healthcare should not be a part of commerce?



Orwell
Veteran
Veteran

User avatar

Joined: 8 Aug 2007
Age: 35
Gender: Male
Posts: 12,518
Location: Room 101

04 Nov 2010, 5:26 pm

Inuyasha wrote:
and the growing own food is realistic for some people.

No, it is not. My grandfather was a farmer, and he did not grow his own food. Subsistence farming is idiotic.

Quote:
The problem with the health care bill is that it penalizes someone from not engaging in commerce. Short of committing suicide, you are being forced to buy a product just for being alive. That is tyranny, I seriously am expecting (unless a Supreme Court member dies suddenly), that the mandate will be ruled unconstitutional. If that happens the entire law is thrown out because Dems forgot the severability clause which would have allowed the court to simply rule parts of the law unconstitutional.

I just don't think you have a plausible objection here.


_________________
WAR IS PEACE
FREEDOM IS SLAVERY
IGNORANCE IS STRENGTH


JNathanK
Veteran
Veteran

User avatar

Joined: 28 Oct 2010
Gender: Male
Posts: 1,177

05 Nov 2010, 12:42 am

Zara wrote:
JNathanK wrote:
hyperlexian wrote:
i am horribly uninformed about this. this is embarrassing. i can be pretty arrogant about the areas where i am well-informed... and this is not one of those areas. i can admit when i am ignorant of an issue.

i understand the basics of american politics, but this Tea Party stuff has thrown me for a loop.

i am a canadian. i don't read the newspaper, nor do i watch television news. the closest thing i read to the news is consumerist.com for their consumer stories.

i tried asking my husband about the Tea Party, and he explained it to me somewhat. but he only half-watches the news himself.

anyway. i'm lazy. anybody care to explain some of the background, or why there are such strong opinions about this Tea Party? thank you in advance.

?


They're a bunch of reactionaries who blame all of the deficit on Obama's social spending (The war is seldom considered a cause), on immigrants, on Islam, on moral degradation. They like to compare Obama to a Nazi, communist, etc. I think its sick, that it undermines the holocaust, and when they say"liberals did it with bush", I don't remember anyone from the mainstream, liberal media doing it. They do it all the time on Fox News though. Many think he was a secret Muslim and that he wasn't born in this country. You can't argue with them. Like I said, they're reactionaries, and I believe there's a lot of racism behind it.


Plenty of people compared Bush to Hitler and the rise of Nazi Germany, going so far to call 9/11 a false flag like the Reichstag fire during his term... I didn't consider it a fair comparison then, nor do I consider it a fair comparison to Obama today. It's just childish name calling and false connections.


Yah, but like I said, and let me reiterate, some wack jobs saying that on the internet isn't the same as someone saying it on Fox News. Besides, not everyone who made the reichstag fire comparisons and the conspiracy theories of 911 being an inside job were liberal either. A lot of that came from right wing, libertine types.



Inuyasha
Veteran
Veteran

User avatar

Joined: 12 Jan 2009
Age: 41
Gender: Male
Posts: 9,745

05 Nov 2010, 1:05 am

number5 wrote:
Inuyasha wrote:
Orwell wrote:
Growing your food is not actually realistic, to both people who suggested that. This is not the 1800s.

And for some people, it is possible to get by without a car. I bike instead of driving, but that's not a realistic option for people in many parts of the country (or for anyone physically unable to bike long distances).

Regardless of what you say about it being possible, in principle, to avoid taxes on food, or the mandate to buy auto insurance, that is immaterial because in practice you have no way to avoid all taxes and government fees. I agree that the individual mandate is a bad idea, at least with the current structure of the healthcare reform, but I don't agree with the claims made against its legality by trying to set it apart from other legal mandates.


The point is that when you buy something you are participating in commerce, and the growing own food is realistic for some people.

However, here is the key difference in the situation. All of the example you have given to justify the Mandate is engaging in commerce.

The problem with the health care bill is that it penalizes someone from not engaging in commerce. Short of committing suicide, you are being forced to buy a product just for being alive. That is tyranny, I seriously am expecting (unless a Supreme Court member dies suddenly), that the mandate will be ruled unconstitutional. If that happens the entire law is thrown out because Dems forgot the severability clause which would have allowed the court to simply rule parts of the law unconstitutional.


So another argument for why healthcare should not be a part of commerce?


The act not buying health insurance is choosing not to participate in commerce. The act of buying food is choosing to engage in commerce. The act of buying a car is choosing to engage in commerce. You can't legislate someone has to do something using the commerce clause when that person isn't engaging in commerce.



ruveyn
Veteran
Veteran

User avatar

Joined: 21 Sep 2008
Age: 88
Gender: Male
Posts: 31,502
Location: New Jersey

05 Nov 2010, 11:09 am

Inuyasha wrote:
[

The act not buying health insurance is choosing not to participate in commerce. The act of buying food is choosing to engage in commerce. The act of buying a car is choosing to engage in commerce. You can't legislate someone has to do something using the commerce clause when that person isn't engaging in commerce.


See http://en.wikipedia.org/wiki/Wickard_v._Filburn.

The Interstate Commerce Clause as it is now interpreted is no guarantee of our liberty.

ruveyn