Co-ops are unreliable? You misunderstood me Wharog. I’m not talking about the extension cord you connected to your neighbors trailer to power your trailer. If any business requires electrical power 24/7 to survive, then a backup generator would be necessary regardless of the energy provider. Considering the number of businesses and residences served by Co-ops, far fewer Co-op customers are affected by outages than those served by for profit energy providers.
If the concept of the ACA is so offensive, then why provide testimony to the fact the Insurance Exchange is costing you much less than what your employers Insurance would cost. Then you whine about taxpayer subsides when mentioning how fortunate your "hard working sole proprietor" buddy was able to get insurance at $5 per month with a $1000 deductible. Who pays for the healthcare of those with no insurance?
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Rational answers Wharog, much better than H75 has provided.
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Hartman: Are you talking about the rural electric coops that have such poor service that you need a backup generator if you actually want to run a business in their area of service? Yeah, that totally makes me want a single-payer system.
Sum: Certainly his $5/month premium is heavily subsidized and taxpayers are picking up the tab. I believe $1k deductible. He went from one extreme (too expensive to afford) to so little that everyone else is paying his way. I guess to me $200/m is a reasonable amount to pay for health insurance but it certainly gets harder to figure out what's reasonable when it's a family plan (I'm at about $400/m on exchange for a platinum family plan, no subsidies)
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Hartman, you'll get your wish on the ACA leading to a single payer system. That's the goal all along, what it was designed to do from the start.
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Wharog, you make some good points, but your friend paying $5/month premiums doesn't amount to squat, so the rest of us must pick up the tab. Curious what his annual deductible is.
Without the passage of the ACA, there would be no exchange. No one is claiming the ACA is perfect. As with most legislation, there is room for improvement and not everyone will benefit equally. Hopefully the ACA will lead to the creation of a single payer system.
The fact is, there are numerous services the Government provides that is done right. Just ask those served by the Rural Electric Cooperatives.
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I'm still not sold on the ACA in it's entirety, but the poll asked about exchanges. Overall I believe government, especially the federal government, is inefficient and not very good at doing even the most simple things. Healthcare co-ops (not run by gov) I'm all for. MN's exchange is OK and there are some benefits. The exchange rollout at the federal level is a catastrophe because the fed gov is just too god*****big to do anything right, especially things involving IT.
So, according to Wharog, what appeared to be snake oil was actually an elixir. It’s great to hear that so many individuals are benefiting from the Affordable Care Act. I’d sure like to see more Co-op based systems providing health care. Private companies only add to the overall cost of care without improving quality.
And really, other than the subsidies, why do GOP have such a problem with the concept of exchanges? Why shouldn't consumers be able to go online to a website and quickly compare insurance plans based upon features and price? Certainly it'd be better if a private company did it instead of the government, but being able to quickly compare rates and features is what we need in healthcare. If only there was a hospital exchange where you could compare doctors and see their fees up front.
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A friend of mine is a hard working sole proprietor who's had a rough couple years. His health insurance was going to be over $750/month JUST FOR HIM in 2014. He went on the MNsure exchange and checked out plans. He did qualify for subsidies and now pays $5/month for better coverage.
So yeah, while the concept of trying to "fix" our broken healthcare system by manipulating and over-regulating the insurance industry will likely fail in the long run, the health exchange itself seems to work just fine in MN.
I'm libertarian for the most part. I'm 100% against the concept of the ACA and feel like what it set out to accomplish is snake oil at best.
That being said the MNsure exchange worked just fine for me. My employer-sponsored health insurance plan was set to increase by close to $300/month in 2014, so I shopped the exchange. I got a much better plan for less than I was paying in 2013 for my family and I don't qualify for any subsidies.
Politicians in D.C. get their coverage from the federal government and are insulated from market forces. There are many people that have lost their doctor, had their policy cancelled, or seen their premiums and deductible skyrocket. I don't think they're amused.
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I think it's hilarious that people still think that politicians are exempt from the ACA. Pretty sure they're specifically required to get their coverage through the ACA.
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They called it the "affordable" care act to deceive us.
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Politicians exempting themselves from the ACA (same as obamacare for the uninformed) tells you all you need to know about it.
To quote Hillary, "What difference does it make", if we are satisfied with Odumba care or not. The majority of "we the people" were opposed to it from the start, but that didn't stop our masters in the politburo from ramming it down our throats, while exempting themselves from the garbage we get. So much for representing the people. Elections sure do have consequences.
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