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The Thursday night democratic debate is done

1AC

By 1AC,
in No Holds Barred Political Forum

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JoeAverage

JoeAverage

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1 hour ago, leftwinger said:

 

We all pay for Health Insurance skimming off health care costs.

Suppose it depends on your situation. Our current health insurance is not based off our household income and out of pocket costs have been running 1.6% of gross income the last few years. It would not stay the same under most of the Dem plans.

 

Just a fact of life, what some people get for "free", ends up costing someone else more.

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XavierOnassis

XavierOnassis

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15 minutes ago, JoeAverage said:

Suppose it depends on your situation. Our current health insurance is not based off our household income and out of pocket costs have been running 1.6% of gross income the last few years. It would not stay the same under most of the Dem plans.

 

Just a fact of life, what some people get for "free", ends up costing someone else more.

Then you have no reason to call yourself "Joe Average".

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Neomalthusian

Neomalthusian

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1 hour ago, leftwinger said:

 

We all pay for Health Insurance skimming off health care costs.

 

Don't fall for Warren's idiotic anti-insurance company propaganda.

 

Specifically, Warren said this in the debates: "Insurance companies last year sucked $23 billion in profits out of the system. How did they make that money? Every one of those $23 billion was made by an insurance company saying no to your health care coverage."

 

1) The ACA basically eliminated the ability to profit from denying coverage. They have to spend at least 80% of revenue on claims or refund the difference. There will always be isolated cases of disputed or denied coverage that make the news, but denial of care is not the norm and it's not how insurance companies profit.

2) The GD United States Government contracts with insurance companies to administer Medicare. If they're so evil, why do we do that?

3) Insurance companies administer a ton of self-insured plans, the parameters of which are set up by the entity that's self-insuring. So a company works with an insurance company to design a self-insured plan and the company tells the insurer, "let's not cover specialty drugs, they're way too expensive and too easy for patients to just request, preferred and generics are fine." When an insurance company (which manages the self-insured plan on behalf of the employer) comes back and reminds a patient "specialty drugs aren't covered," that is not an insurance company profiting from denying coverage. That is an insurance company stating the rule built into the plan design by the employer.

4) Insurance company profit is not why our health spending is so high. $23 billion is 0.6% of the nation's health spending.

 

Warren is trying harder than anyone to keep people dumb and angry.

 

I don't personally like Biden or his chances to beat Trump, but from a pure policy standpoint, his plan to fix a few key glitches in the ACA are the best thing put forth thus far.

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JoeAverage

JoeAverage

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15 minutes ago, Neomalthusian said:

 

Don't fall for Warren's idiotic anti-insurance company propaganda.

 

Specifically, Warren said this in the debates: "Insurance companies last year sucked $23 billion in profits out of the system. How did they make that money? Every one of those $23 billion was made by an insurance company saying no to your health care coverage."

 

1) The ACA basically eliminated the ability to profit from denying coverage. They have to spend at least 80% of revenue on claims or refund the difference. There will always be isolated cases of disputed or denied coverage that make the news, but denial of care is not the norm and it's not how insurance companies profit.

2) The GD United States Government contracts with insurance companies to administer Medicare. If they're so evil, why do we do that?

3) Insurance companies administer a ton of self-insured plans, the parameters of which are set up by the entity that's self-insuring. So a company works with an insurance company to design a self-insured plan and the company tells the insurer, "let's not cover specialty drugs, they're way too expensive and too easy for patients to just request, preferred and generics are fine." When an insurance company (which manages the self-insured plan on behalf of the employer) comes back and reminds a patient "specialty drugs aren't covered," that is not an insurance company profiting from denying coverage. That is an insurance company stating the rule built into the plan design by the employer.

4) Insurance company profit is not why our health spending is so high. $23 billion is 0.6% of the nation's health spending.

 

Warren is trying harder than anyone to keep people dumb and angry.

 

I don't personally like Biden or his chances to beat Trump, but from a pure policy standpoint, his plan to fix a few key glitches in the ACA are the best thing put forth thus far.

+10

 

Not to mention that State Actuaries dictate what a health insurance company can charge in any given state. Often raising the premiums when the company did not request an increase.

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1AC

1AC

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2 minutes ago, JinnMartini said:

 

Jusssss for the records  .  .  .  you can't have two of me !

Ah... but I only drink dirty vodka martinis... gin is just flavored vodka

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1AC

1AC

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3 hours ago, Neomalthusian said:

 

Don't fall for Warren's idiotic anti-insurance company propaganda.

 

Specifically, Warren said this in the debates: "Insurance companies last year sucked $23 billion in profits out of the system. How did they make that money? Every one of those $23 billion was made by an insurance company saying no to your health care coverage."

 

1) The ACA basically eliminated the ability to profit from denying coverage. They have to spend at least 80% of revenue on claims or refund the difference. There will always be isolated cases of disputed or denied coverage that make the news, but denial of care is not the norm and it's not how insurance companies profit.

2) The GD United States Government contracts with insurance companies to administer Medicare. If they're so evil, why do we do that?

3) Insurance companies administer a ton of self-insured plans, the parameters of which are set up by the entity that's self-insuring. So a company works with an insurance company to design a self-insured plan and the company tells the insurer, "let's not cover specialty drugs, they're way too expensive and too easy for patients to just request, preferred and generics are fine." When an insurance company (which manages the self-insured plan on behalf of the employer) comes back and reminds a patient "specialty drugs aren't covered," that is not an insurance company profiting from denying coverage. That is an insurance company stating the rule built into the plan design by the employer.

4) Insurance company profit is not why our health spending is so high. $23 billion is 0.6% of the nation's health spending.

 

Warren is trying harder than anyone to keep people dumb and angry.

 

I don't personally like Biden or his chances to beat Trump, but from a pure policy standpoint, his plan to fix a few key glitches in the ACA are the best thing put forth thus far.

A very informative post thank you

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