Redfish
Diamond Member
How we got Obamacare to work
The GOP could "press their advantage" and start working with the ACA instead of against it...then they could swoop in and say they "fixed Obamacare" and be the heroes.
They could, but the fix would require scrapping 90% of it. The good parts of it could be handled in a 2 page bill. The things that are needed but not in it could be handled in two more pages.
Good things in ACA
1. insurance companies must take people with pre-existing conditions
2. no lifetime maximum payments
Things that need to be added
1. tort reform, limits on malpractice awards
2. interstate competition between insurance companies
3. reduction in the length of drug patents
4. for illegals---life saving care only, then deportation
there is no reason why a real estate tax should be in a healthcare bill
there is no reason why a healthcare bill should be 2000 pages
If you force insurance companies to take people with pre-existing conditions and have no individual mandate or some mechanism to get healthy people to sign up, you wind up with an insurance death spiral where too many sick people sign up, drive premiums up, which drives healthy people away from buying insurance, which means more sick people, which means even higher premiums, etc etc etc.
Also I like the part about 18-26 year old on parents insurance...usually college kids can't afford their own insurance anyway, I know I couldn't have if I wanted to.
what you described is exactly what is happening under ACA. the healthy young people are not signing up, the ones signing up are the old, the sick, and those who want a free ride under medicaid.
ACA DOES force insurance companies to take people with pre-existing conditions. We are already paying for them in our premiums and employer funded plans.
BTW, no one was being denied medical treatment before ACA. There was no crisis in healthcare that mandating screwing up the total system.
Unless you are getting an advance degree in medicine, law, or some other Phd field, you should not still be in school at 26. If you can afford medical or law school, then you don't need help with insurance.