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Tuesday, March 21, 2023
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How to lower health insurance premiums for 25 million Americans




By Ed Haislemaier - 

“There has been considerable focus on how legislation to repeal and replace Obamacare could affect the 20 million individuals receiving subsidized coverage through the exchanges and the Medicaid expansion. However, much less attention has been paid to another group of 25 million individuals who also have a significant personal stake in the outcome.

“That group of 25 million consists of the 10 million people with individual-market coverage who do not qualify for Obamacare subsidies (about 80 percent of the pre-Obamacare individual market of 12 million), plus at least another 15 million with coverage through small group plans (who also get no subsidies). Some of those 25 million are still covered by pre-Obamacare plans (which they risk losing), with the rest in plans that are subject to Obamacare’s costly insurance market provisions.

“These are the individuals that most need relief from Obamacare’s soaring premiums. Any repeal-and-replace legislation needs to include provisions that enable them once again to buy health insurance that is not burdened by the additional cost of federal benefit mandates or distorted by Obamacare’s age rating restrictions. This is why one of the top priorities for health reform has been to restore to states the authority to regulate insurance markets, which Obamacare removed from them by layering on new federal insurance mandates. States should be freed from Obamacare’s benefit mandates, the minimum actuarial value requirement, and age-rating restrictions.”

More at: The Heritage Foundation


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  1. not burdened by the additional cost of federal benefit mandates
    ” not burdened to cover pre-existing conditions” .. folks will be dropped or see astronomical increases. In the past before Obama care pre-existing conditions included prior pregnancy, children with medical conditions. Babies too fat. Babies too skinny. Some insurance companies called being a woman a pre-existing condition!!! don’t ya remember???
    “not burdened to charge living rates to the elderly”
    “not burdened to provided health care to children still living at home”
    “not burdened to any minimal standard of coverage for peoples hard earned money”
    What other burdens do you want to remove?… If people are breathing? How many burdens will be removed and just what kind of crap insurance will it be? Since you don’t want to over burden the poor destitute insurance industry with providing a good product instead of crap.

  2. The whole medical issue is a scam. Separate insurance from medical care. Dr. should post pricing, insurance carriers should not dictate cost structures. Car insurance, life insurance, workers comp ect. all have competitive cost structures based on market forces. Little johnny’s guardian should pay cash for his sniffles. State Farm does not pay for your tires when they get a hole. My point, try and get a couple of quotes for an Appendectomy.

  3. So you’re saying that a private organization should not be allowed to negotiate the price of goods and services?
    How do you determine what is “sniffles” that shouldn’t be covered by insurance and what’s serious that should? Diabetes? High blood pressure? Asthma? A cardiac stent?

  4. “Insurance” is defined as sharing of RISK over a wide base of persons who are enrolled as contributors to a common financial pool.
    “Risk” is determined by statistical analysis of the possibilities for accident and/or illness occurring within members of a large number of people. This is called “Actuarial Science.”
    Actuaries can tell us HOW MANY people of ANY AGE will be affected by ANY DISEASE, or will DIE as a result of it.
    That determines the “RISK” that is being “insured” against. It is a GAMBLE, in which the buyer (the insured) believes he may become in need of financial help, and the seller (the insurer) believes the buyer will NOT need it.
    “Pre-existing conditions” are just that: the person seeking “insurance” already has some medical problem that is a CERTAINTY, so no “risk” is involved, so to issue any protection against this problem is NOT “insurance” at all. It is WELFARE.
    It is as if you chose not to insure your house against fire, then attempt to buy insurance while it is burning.
    The fire is already a CERTAINTY. There is no longer a RISK of fire. So, no “risk,” no “insurance.”

  5. Private organizations can and do negotiate prices all the time. Negotiations start from a given price. Ask your Dr. for their cash price. See if the first question is, who’s your insurance. For a cash price what would it matter? My thoughts, long ago 10-15 years, Dr.’s were generally independent competing provides. Then malpractice INSURANCE become so expensive DR’s had to form groups to share the costs. Once this happened INSURANCE companies then began to dictate care coverage and price thus eliminating/blurring the competitive market for medical services. I should be able to buy medical insurance and or medical care the same way I buy life insurance or anything else. I can buy car insurance that covers a small dent with no deductible, or I can buy car insurance that covers a small dent with a 1000 dollar deductible, but I determine the level of coverage.

  6. So your saying an emergency situation you put your wallet in the hands of someone else? So gas station operators/ lumber yards can charge anything they want due to the incoming hurricane? I’m curious, call around and get a quote on the normal 9:00am-5:00pm cost for an appendectomy? Ballpark, does it cost $100 dollars? 1,000 dollars, $5,000 dollars? more? less? You have no control or virtually ant idea of the actual cost of medical care. You know what your insurance costs a month and what it covers….maybe…..