Fractious and dysfunctional nature of Congress. Some people, on both sides of the aisle, would sooner die than do literally anything that might make life marginally better for people who aren’t Corporate Interests.
Then there’s the Corporate Interests. The insurance companies in particular lobby hard and play both sides. So they always come out with their profit margins intact and poised to grow. Part of the current shutdown is being driven by the insurance companies playing politics and trying to secure a bag. While publicly it looks like Fiscal Responsibility versus Massive Expenditure. In reality it’s the same companies playing both sides.
There’s also the fact that an inordinate amount of Congress has historically been lawyers and or people deeply connected to the legal field. Lawyers as a general rule of thumb don’t do straight forward and functional. They tend to do overly complex and semi-functional at best. With plenty of wiggle room and loopholes they go back and edit out later. For additional fees. As they’d risk rendering their careers and degrees useless if they started writing laws, contracts, and legal terminology in ways anyone can understand without 8 years of a legal education
Dunno. We controlled both the House and the Senate for the first two years during Trump's first term as well, and they did fuck all then, too, despite the "repeal and replace on day one" promises.
In all seriousness...am I the only one that remembers this shit?
Lack of a functional option to replace it with. The Republicans do not have a plan. They have never, in 14 years of ...itching about this law, not once, ever fielded a viable alternative plan for a vote.
Family of 3..24000 for premiums alone next year. Plus 20k max out of pocket.
We rarely go to the doctor too. It's such a gamble. I don't want to go bankrupt over one hospital visit. I can't be alone in thinking this is all insane.
You won't go bankrupt over one hospital visit. Just don't pay your hospital bills. They don't ding your credit rating any longer if they go into collections.
But there's always the possibility they will change that law (yet again).
Ignore this post if your medical bill is over $500 or over a year old. Some credit bureaus will still ding your credit rating for that. My bad. 🫣
And Republicans have had FIFTEEN FUCKING YEARS to get rid of it and introduce something better.
Remember when the promise was to "repeal and replace it with something better ON DAY ONE in 2017? Still waiting for that...
In all good conscious, I can't dump all this at the feet of liberals and democrats. Not saying they're blameless. But Republicans have had their thumbs shoved firmly up their ass for FIFTEEN YEARS regarding this. They share in some of the responsibilities here.
Ok, time to put my shill mask on and break this down before people run with it far and wide, making arguments that normies will poke all sorts of holes in.
So, before you try to redpill normies with this, a few things.
Anyone that was paying attention in 2017 is definitely going to remind you that Trump promised to "repeal and replace" the ACA on Day One of his first term in office. So, good luck on that one.
They're going to point out that the types of polices are not detailed above. If the pre-ACA policies were ones that didn't cover pre-existing conditions (VERY common before the ACA did away with that) then they, in all fairness, can not be evaluated as equal to plans that DO cover pre-existing conditions.
It's going to be pointed out that you're likely comparing apples to oranges, cheaper plans that don't cover much pre-ACA vs the premium plans post ACA. If you want to compare apples to apples, then go look for comparable plans pre and post ACA and make sure you're on equal footing.
Those numbers are ignoring the little matter of inflation, which I think we can all agree is a very real thing, seeing as how it's the main reason people rejected Biden and why Trump beat Harris. Go to any respected inflation calculator and plug in the numbers. The one I used said that $13,375 in 2009 is the equivalent of a little over 19k today. So, yeah, it's still way too much, but not quite as dramatic as before.
One of the reasons why the ACA hasn't "succeeded" as it "should" have, is that one of the factors that was supposed to help keep costs under control was eliminated by Trump in 2017. Remember how people used to have to pay a fine if they didn't have insurance? That fine was supposed to do a number of things like draw healthy people into the pool, who would offset the costs of those who were not as healthy. It's some really boring shit called adverse selection the insurance companies work with that I'd rather get fucked with a rusty fork than discuss any more than I absolutely have to. Go look it up if you're curious.
It was also supposed to encourage people to get health insurance so they would get regular medical care and not wait until a mild problem became an emergency and then go to the ER to get treated, which costs a metric fuck ton more than early or preemptive care, and makes the entire system cost more for everyone. A very common example of this is someone who gets a small injury or illness but instead of getting it treated early with routine care (like a cheaper than balls dose of antibiotics) they let it go until they absolutely can't deal with it anymore, go to the ER, have to be given much more expensive (and dangerous antibiotics) or even have to have body parts amputated due to gangrene. This is stuuuuupidly common with diabetics with neuropathy getting toes and feet and legs amputated because they don't control their diabetes as well as they should/could if they have health insurance with prescription coverage. It's stupid. And expensive. And if you find an ACA lover they will go off on you about how they think Trump getting rid of the fine for not having insurance fucked the ACA all up. Go prepared for that.
So, yeah, before you run off to try to redpill some normies with this, you might want to brush up on all that because I can guaranfuckingtee that you're likely to get responses like that.
Don't assume that because I point out what normies will say if you try to redpill them with that post that I agree with them.
I just want Anons to go prepared and not make us all look dumb. Because I have seen some of you to try to redpill normies on other boards and the entire time I'm doing this-🤦♀️. Please at least know the basics of what you're talking about before you go try to convince other people on it. Ok?
Good post. Been in the insurance industry for over 4 decades. Used to sell a ton of group health policies back before the “standardized commission” rules were passed. I said then that competition between carriers and their underwriters were going to drive costs up and carrier’s out of the business. Step 1 toward National Healthcare accomplished.
Forward a few years and due to those price increases and carriers no longer offering health insurance or they merged with other companies to try to gain market share, there was limited choice so along came Obummercare and again prices are not affordable and there are only a few carriers offering private health insurance and when I checked last week there was only 4 carriers in my State offering the ACA Plans. When no competition prices go up astronomically. Coverage is standardized so pretty much the same with all companies. So here we sit: unaffordable health insurance and no coverage choices. Step 2 toward National Health Insurance accomplished.
Now the Plan I believe is coming: A) Do like Trump posted and instead of paying many Billions every year to the health insurance companies—give it directly to the people and let us choose who or what we purchase. There would need to be penalties (severe) for those that get their payments and pocket the money. B) National Health Care Coverage.
I don’t see another way out now…it’s to far broken. That’s coming from a husband/wife policy that this January 1,2026 premium will hit $29,000 per year and yes I am pissed and seriously considering retiring to drop my income to zip so you taxpayers will subsidize my policy…. My premiums would drop to $12.00 per month. That would save me $28,856.00 per year!! Freaking outrageous. Rant over.
Fractious and dysfunctional nature of Congress. Some people, on both sides of the aisle, would sooner die than do literally anything that might make life marginally better for people who aren’t Corporate Interests.
Then there’s the Corporate Interests. The insurance companies in particular lobby hard and play both sides. So they always come out with their profit margins intact and poised to grow. Part of the current shutdown is being driven by the insurance companies playing politics and trying to secure a bag. While publicly it looks like Fiscal Responsibility versus Massive Expenditure. In reality it’s the same companies playing both sides.
There’s also the fact that an inordinate amount of Congress has historically been lawyers and or people deeply connected to the legal field. Lawyers as a general rule of thumb don’t do straight forward and functional. They tend to do overly complex and semi-functional at best. With plenty of wiggle room and loopholes they go back and edit out later. For additional fees. As they’d risk rendering their careers and degrees useless if they started writing laws, contracts, and legal terminology in ways anyone can understand without 8 years of a legal education
Filibuster comes to mind…
Dunno. We controlled both the House and the Senate for the first two years during Trump's first term as well, and they did fuck all then, too, despite the "repeal and replace on day one" promises.
In all seriousness...am I the only one that remembers this shit?
In short, we shouldn’t want the product it’s making so expensive.
Being forced to move away from it is a good thing.
The commies wanted it, and think MAHA is stupid - don’t interfere with an enemy who is in the process of destroying himself.
Lack of a functional option to replace it with. The Republicans do not have a plan. They have never, in 14 years of ...itching about this law, not once, ever fielded a viable alternative plan for a vote.
Family of 3..24000 for premiums alone next year. Plus 20k max out of pocket.
We rarely go to the doctor too. It's such a gamble. I don't want to go bankrupt over one hospital visit. I can't be alone in thinking this is all insane.
You won't go bankrupt over one hospital visit. Just don't pay your hospital bills. They don't ding your credit rating any longer if they go into collections.
But there's always the possibility they will change that law (yet again).
Ignore this post if your medical bill is over $500 or over a year old. Some credit bureaus will still ding your credit rating for that. My bad. 🫣
Interesting... I'll need to research this more. This is news to me.
Shit. There's like an under $500 limit and under a year.
Don't listen to me. Abort mission! Abort mission!
I read that. Terrible. Maybe no one will sign up and ins companies will burn and they have to revamp the whole system? Wishful thinking.?
True.
And Republicans have had FIFTEEN FUCKING YEARS to get rid of it and introduce something better.
Remember when the promise was to "repeal and replace it with something better ON DAY ONE in 2017? Still waiting for that...
In all good conscious, I can't dump all this at the feet of liberals and democrats. Not saying they're blameless. But Republicans have had their thumbs shoved firmly up their ass for FIFTEEN YEARS regarding this. They share in some of the responsibilities here.
Ok, time to put my shill mask on and break this down before people run with it far and wide, making arguments that normies will poke all sorts of holes in.
So, before you try to redpill normies with this, a few things.
Anyone that was paying attention in 2017 is definitely going to remind you that Trump promised to "repeal and replace" the ACA on Day One of his first term in office. So, good luck on that one.
They're going to point out that the types of polices are not detailed above. If the pre-ACA policies were ones that didn't cover pre-existing conditions (VERY common before the ACA did away with that) then they, in all fairness, can not be evaluated as equal to plans that DO cover pre-existing conditions.
It's going to be pointed out that you're likely comparing apples to oranges, cheaper plans that don't cover much pre-ACA vs the premium plans post ACA. If you want to compare apples to apples, then go look for comparable plans pre and post ACA and make sure you're on equal footing.
Those numbers are ignoring the little matter of inflation, which I think we can all agree is a very real thing, seeing as how it's the main reason people rejected Biden and why Trump beat Harris. Go to any respected inflation calculator and plug in the numbers. The one I used said that $13,375 in 2009 is the equivalent of a little over 19k today. So, yeah, it's still way too much, but not quite as dramatic as before.
One of the reasons why the ACA hasn't "succeeded" as it "should" have, is that one of the factors that was supposed to help keep costs under control was eliminated by Trump in 2017. Remember how people used to have to pay a fine if they didn't have insurance? That fine was supposed to do a number of things like draw healthy people into the pool, who would offset the costs of those who were not as healthy. It's some really boring shit called adverse selection the insurance companies work with that I'd rather get fucked with a rusty fork than discuss any more than I absolutely have to. Go look it up if you're curious.
It was also supposed to encourage people to get health insurance so they would get regular medical care and not wait until a mild problem became an emergency and then go to the ER to get treated, which costs a metric fuck ton more than early or preemptive care, and makes the entire system cost more for everyone. A very common example of this is someone who gets a small injury or illness but instead of getting it treated early with routine care (like a cheaper than balls dose of antibiotics) they let it go until they absolutely can't deal with it anymore, go to the ER, have to be given much more expensive (and dangerous antibiotics) or even have to have body parts amputated due to gangrene. This is stuuuuupidly common with diabetics with neuropathy getting toes and feet and legs amputated because they don't control their diabetes as well as they should/could if they have health insurance with prescription coverage. It's stupid. And expensive. And if you find an ACA lover they will go off on you about how they think Trump getting rid of the fine for not having insurance fucked the ACA all up. Go prepared for that.
So, yeah, before you run off to try to redpill some normies with this, you might want to brush up on all that because I can guaranfuckingtee that you're likely to get responses like that.
Don't assume that because I point out what normies will say if you try to redpill them with that post that I agree with them.
I just want Anons to go prepared and not make us all look dumb. Because I have seen some of you to try to redpill normies on other boards and the entire time I'm doing this-🤦♀️. Please at least know the basics of what you're talking about before you go try to convince other people on it. Ok?
Good post. Been in the insurance industry for over 4 decades. Used to sell a ton of group health policies back before the “standardized commission” rules were passed. I said then that competition between carriers and their underwriters were going to drive costs up and carrier’s out of the business. Step 1 toward National Healthcare accomplished. Forward a few years and due to those price increases and carriers no longer offering health insurance or they merged with other companies to try to gain market share, there was limited choice so along came Obummercare and again prices are not affordable and there are only a few carriers offering private health insurance and when I checked last week there was only 4 carriers in my State offering the ACA Plans. When no competition prices go up astronomically. Coverage is standardized so pretty much the same with all companies. So here we sit: unaffordable health insurance and no coverage choices. Step 2 toward National Health Insurance accomplished.
Now the Plan I believe is coming: A) Do like Trump posted and instead of paying many Billions every year to the health insurance companies—give it directly to the people and let us choose who or what we purchase. There would need to be penalties (severe) for those that get their payments and pocket the money. B) National Health Care Coverage. I don’t see another way out now…it’s to far broken. That’s coming from a husband/wife policy that this January 1,2026 premium will hit $29,000 per year and yes I am pissed and seriously considering retiring to drop my income to zip so you taxpayers will subsidize my policy…. My premiums would drop to $12.00 per month. That would save me $28,856.00 per year!! Freaking outrageous. Rant over.