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Spot on correct ... I agree 100% ... we'll never lower health care insurance costs until we lower the cost of health care itself ...
The problem with the "mandatory medical account" is what happens when the money runs out? ... are hospitals allowed to dump your sick body out into the streets? ... can ER's start checking "ability to pay" before initiating life-saving treatment? ... the idea of insurance is shared risk ... 80% of us use 20% of the money available ... do we let that other 20% who use 80% of the resources just die? ... I have a friend who just received her death warrant from her insurance company ... no more treatments for anything except what she pays for in cash ...
In Japan, and in some situations, only the doctors practicing at a facility can have ownership stakes; no Wall Street, Venture Capital or Insurance Companies dictating the business side of the affair ... yet still retain the methods to raise capital with corporate bonds and cookie sales ...
Well if you run out of savings in your MSA, it then goes to insurance like it does now. But in the meantime, it will save insurance companies a lot of money, as well as hospital or doctors staff if we just paid out of our account first.
For people who start young, the MSA would likely be pretty hefty before they start using it. I didn't say it would replace insurance for everything, just the nickel and dime charges that we all wait for our insurance company to pay.
I think you're right, this would work to a point ... we still have a group of people who will pay their rent first and skip the MSA payment ... that was the problem before the ACA was enacted ... the cost of health care goes up, the cost of health care insurance goes up, and certain group of people have to drop their insurance or be homeless ... health care insurance has to go up a little more to cover the claims ... a year later: wash, rinse, spin ... fewer people paying premiums to pay for higher costs ... this is unsustainable ...
The ACA simply made it illegal to drop the health insurance ... (thus the homelessness crisis) ... and health care costs are still growing by leaps and bounds ... it's still unsustainable ...
Looks like an economical bubble to me ... {pop} ...
My thought is that it would be deducted from your paycheck like Medicare or SS. Commie Care only shifted the costs from the french fry maker to the electrician. The reason being french fry makers and floor sweepers are likely Democrat voters, and the tradesmen and other middle-class workers likely Republican voters. That's why you never hear the floor sweepers complaining about it like we do.
There is a solution that could make everybody happy on both sides of the fence. If you are on disability for at least a year, you can buy a Medicare plan. So if they extended that same plan to people with preexisting conditions, and allowed us to buy into it as well, it would take all the high risk people off of private insurance and put them on government insurance. That would at least stop drastic premium increases, and Democrats could get what they want which is more people depending on government.
Thousands would still not be able to afford insurance. Would that be a step in the right direction? Yes, but we have to get to where everyone that needs to see a doctor can afford to.
I'm just giving a few suggestions that I came up with. There are more, like tort reform that would decrease the price of doctors malpractice insurance.
Years ago, you went to the doctor for something wrong with your arm, or ears. The doctor would treat you and send you on your way. Today, your family doctor is only a referral agency. Anything outside of a cold, you have to see a specialist, and sometimes several specialists. They do this to shift the liability to somebody else.
They also run you under every test imaginable. They don't do that to help them diagnose your problem, they do it to cover their ass in case something goes the slightest bit wrong and they get sued. Some of these unnecessary tests can run in the thousands, and of course, your insurance has to pay it.
How nice. But somebody’s doing it for a shot at profit. University is for education.You going to gamble $500M on a 3% probability it’ll get thru testing and survive the FDA gauntlet so you can have a 1% return?So you don’t want any new drugs created.None of this will work without price controls. So i don't see the point. The first argument needs to be over price controls.
Why? People who create drugs would no longer wish to create drugs?
The fact is, much of the development of drugs is done on the University level.
Universities Stepping Up Efforts To Discover Drugs
So which university has $500M to burn?You going to gamble $500M on a 3% probability it’ll get thru testing and survive the FDA gauntlet so you can have a 1% return?So you don’t want any new drugs created.
Why? People who create drugs would no longer wish to create drugs?
The fact is, much of the development of drugs is done on the University level.
Universities Stepping Up Efforts To Discover Drugs
So where do the universities get their money from?
Many different sources. Students, the government, benefactors........what they don't have is an obligation to appease shareholders.
You going to gamble $500M on a 3% probability it’ll get thru testing and survive the FDA gauntlet so you can have a 1% return?So you don’t want any new drugs created.
Why? People who create drugs would no longer wish to create drugs?
The fact is, much of the development of drugs is done on the University level.
Universities Stepping Up Efforts To Discover Drugs
So where do the universities get their money from?
Many different sources. Students, the government, benefactors........what they don't have is an obligation to appease shareholders.
How nice. But somebody’s doing it for a shot at profit. University is for education.You going to gamble $500M on a 3% probability it’ll get thru testing and survive the FDA gauntlet so you can have a 1% return?So you don’t want any new drugs created.None of this will work without price controls. So i don't see the point. The first argument needs to be over price controls.
Why? People who create drugs would no longer wish to create drugs?
The fact is, much of the development of drugs is done on the University level.
Universities Stepping Up Efforts To Discover Drugs
And what you just said is theirs no job in pharma so don’t bother to get an education in it.
Yep, and every university pisses all the money away on crap.You going to gamble $500M on a 3% probability it’ll get thru testing and survive the FDA gauntlet so you can have a 1% return?Why? People who create drugs would no longer wish to create drugs?
The fact is, much of the development of drugs is done on the University level.
Universities Stepping Up Efforts To Discover Drugs
So where do the universities get their money from?
Many different sources. Students, the government, benefactors........what they don't have is an obligation to appease shareholders.
The federal government on average funds half of the research anyway. Taxpayer dollars for sure.
The 20 universities getting the most money from the federal government
You going to gamble $500M on a 3% probability it’ll get thru testing and survive the FDA gauntlet so you can have a 1% return?Why? People who create drugs would no longer wish to create drugs?
The fact is, much of the development of drugs is done on the University level.
Universities Stepping Up Efforts To Discover Drugs
So where do the universities get their money from?
Many different sources. Students, the government, benefactors........what they don't have is an obligation to appease shareholders.
The federal government on average funds half of the research anyway. Taxpayer dollars for sure.
The 20 universities getting the most money from the federal government
So which university has $500M to burn?You going to gamble $500M on a 3% probability it’ll get thru testing and survive the FDA gauntlet so you can have a 1% return?Why? People who create drugs would no longer wish to create drugs?
The fact is, much of the development of drugs is done on the University level.
Universities Stepping Up Efforts To Discover Drugs
So where do the universities get their money from?
Many different sources. Students, the government, benefactors........what they don't have is an obligation to appease shareholders.
You have no clue how the world works.How nice. But somebody’s doing it for a shot at profit. University is for education.You going to gamble $500M on a 3% probability it’ll get thru testing and survive the FDA gauntlet so you can have a 1% return?So you don’t want any new drugs created.
Why? People who create drugs would no longer wish to create drugs?
The fact is, much of the development of drugs is done on the University level.
Universities Stepping Up Efforts To Discover Drugs
And what you just said is theirs no job in pharma so don’t bother to get an education in it.
You also make the mistake of thinking profit and wages are the same thing. People will still be needed to create new drugs. They will still get paid.
Because when government gets involved, stuff gets cheaper......DURR.
Eliminate the profit angle and there is no reason it shouldn't.
LOL, no? Here's a clue: Controlling prices doesn't eliminate profit. It ensures it for those doing the controlling.
Controlling prices alone does not eliminate profits. Eliminating profits does though.
You'll have to eliminate people to eliminate profits. They just have this stubborn habit of not working unless they're getting paid.
You do not understand the word. Salary is NOT the same as profit. Do you really think people that work at a non profit don't get paid?
Ya, I can’t name any university that has money for it either.So which university has $500M to burn?You going to gamble $500M on a 3% probability it’ll get thru testing and survive the FDA gauntlet so you can have a 1% return?
The fact is, much of the development of drugs is done on the University level.
Universities Stepping Up Efforts To Discover Drugs
So where do the universities get their money from?
Many different sources. Students, the government, benefactors........what they don't have is an obligation to appease shareholders.
You are being misled. How are the developing drugs now?
You have no clue how the world works.How nice. But somebody’s doing it for a shot at profit. University is for education.You going to gamble $500M on a 3% probability it’ll get thru testing and survive the FDA gauntlet so you can have a 1% return?Why? People who create drugs would no longer wish to create drugs?
The fact is, much of the development of drugs is done on the University level.
Universities Stepping Up Efforts To Discover Drugs
And what you just said is theirs no job in pharma so don’t bother to get an education in it.
You also make the mistake of thinking profit and wages are the same thing. People will still be needed to create new drugs. They will still get paid.
So where’s my stock shares when the drug gets approved?
Yeah, that’s real world.
Eliminate the profit angle and there is no reason it shouldn't.
LOL, no? Here's a clue: Controlling prices doesn't eliminate profit. It ensures it for those doing the controlling.
Controlling prices alone does not eliminate profits. Eliminating profits does though.
You'll have to eliminate people to eliminate profits. They just have this stubborn habit of not working unless they're getting paid.
You do not understand the word. Salary is NOT the same as profit. Do you really think people that work at a non profit don't get paid?
Sure it's the same. It's payment for work done. .... Oh, I get it. You're one of those people who think that profit is "money or nothing", eh?
He’s got zero experience in the real world.Eliminate the profit angle and there is no reason it shouldn't.
LOL, no? Here's a clue: Controlling prices doesn't eliminate profit. It ensures it for those doing the controlling.
Controlling prices alone does not eliminate profits. Eliminating profits does though.
You'll have to eliminate people to eliminate profits. They just have this stubborn habit of not working unless they're getting paid.
You do not understand the word. Salary is NOT the same as profit. Do you really think people that work at a non profit don't get paid?
Sure it's the same. It's payment for work done. .... Oh, I get it. You're one of those people who think that profit is "money or nothing", eh?
Ya, I can’t name any university that has money for it either.So which university has $500M to burn?The fact is, much of the development of drugs is done on the University level.
Universities Stepping Up Efforts To Discover Drugs
So where do the universities get their money from?
Many different sources. Students, the government, benefactors........what they don't have is an obligation to appease shareholders.
You are being misled. How are the developing drugs now?
Bingo. That’s why the good talented people will go work elsewhere. You can’t grasp that, can you?You have no clue how the world works.How nice. But somebody’s doing it for a shot at profit. University is for education.You going to gamble $500M on a 3% probability it’ll get thru testing and survive the FDA gauntlet so you can have a 1% return?
The fact is, much of the development of drugs is done on the University level.
Universities Stepping Up Efforts To Discover Drugs
And what you just said is theirs no job in pharma so don’t bother to get an education in it.
You also make the mistake of thinking profit and wages are the same thing. People will still be needed to create new drugs. They will still get paid.
So where’s my stock shares when the drug gets approved?
Yeah, that’s real world.
There will be no shares.
Everything must be addressed. Including tort reform. For everyone to get something, everyone is also going to have to give up something.
I agree. It will be fought tooth and nail from those who profit off this.
Post the list.Ya, I can’t name any university that has money for it either.So which university has $500M to burn?So where do the universities get their money from?
Many different sources. Students, the government, benefactors........what they don't have is an obligation to appease shareholders.
You are being misled. How are the developing drugs now?
And yet they are creating new drugs.
Everything must be addressed. Including tort reform. For everyone to get something, everyone is also going to have to give up something.
Maybe, but not as much as we think. A lot of cost cutting can be done without us spending a ton of money.
No. Ask yourself, what are most politicians before they become politicians? They're lawyers. Lawyers (even in Congress) are not going to sell out their fellow lawyers which is what tort reform would do.
We need to have a system like England, loser pays all. Sue anybody you like, but if you lose the case, you are responsible for all costs associated with the suit including the costs of the person you sued: legal representation, court fees, lost work time, all of it. That would help insure only the real cases make it to court, and stop all these people who hire ambulance chasers.
Cool fantasy! What effect will the unicorns and leprechauns have, son?Haha yes, roll up into the fetal position and suck that thumb, todderinsky.Yet, in every other first world nation, there is universal healthcare, less spent per capita ( by far), and better health outcomes across the board. How do you reconcile this with your whining?Because when government gets involved, stuff gets cheaper...
Government spending make college cheaper...…...wait, what?
Rationing and long waiting lists will also make government run healthcare cheaper...….
