Federal Mandate to purchase Healthcare is UNCONSTITUTIONAL

[GeoFisher]

http://www.foxbusiness.com/industrie...onstitutional/

But we all knew that......we ALL knew that already.......Maybe the white house will finally get it.

Later,

Geo

[kydonky]

So the alternative is to stop providing medical health care assistance to anyone that otherwise could afford health insurance.

If you risk going without health insurance you risk not receiving health care (unless you have 6-7 million in the bank for some cancer treatments).

So you break your leg in three places, we look at you tax returns for the past two years (typical preexisting condition waiting period) and if your income shows that you could have purchased health insurance instead of the new Silverado 2500, you learn to walk with a crooked leg.

Best part is the waiting time in the ER and my Dr.s office will be significantly decreased, health care cost will go down because of less demand and slowly but surely the public assistance roles will go down thrugh attrition.

[GeoFisher]

I don't know the answers, but the Obamunists plan is certainly NOT IT. I would have agreed to a whole hell of a lot of stuff had the Obamunists done 2 simple things. Eliminated WASTE.....just a few percent adds up to a crapload of money. I know...I worked on Fraud and Abuse systems for a SERIOUSLY LARGE insurance company.

Next.....Tort Reform. Again, a seriously large amount of money could have been saved here with very little effort.

But the Obamunists have NO IDEA how to eliminate waste, nor do they wish to limit lawsuits. SO we have what we have.......2500 pages of ??????

Kick it to the curb, and go back to the drawing board.

Later,

Geo

[GeoFisher]

I will tell you this too.......I'd be fine paying a few percent MORE to pay for health care....as long as TORT REFORM and Fraud and Abuse was a part of the process. Also, I'd be completely fine with Across the board HSA's and Wellness programs.

* Wellness programs for everything. You're overweight....fine.....you get insurance, BUT you MUST do this.......or pay extra
* You smoke........fine.......you get insurance, but you must do THIS......or pay extra.
* You have diabetes.........fine.....you get insurance but you must do THIS......or pay extra.

I have no problems with conditions..and I have no problems with penalties. But the way the Obamunists want about their crappy health care policy......NO ONE has any idea about anything........not even Obama.

Later,

Geo

[know1]

The problem is that these days people equate health care with health INSURANCE, and they ain't the same thing folks. I think that health insurance is the REASON that health care is so unaffordable.

[kydonky]

The problem is that these days people equate health care with health INSURANCE, and they ain't the same thing folks. I think that health insurance is the REASON that health care is so unaffordable.

Yes I agree. The cost of health care is out of control. Unfortuneately without insurance 98% of the population would not be able to afford treatment for serious health problems (by-pass, stroke rehab, ect).

Insurance is a necessary evil. Without it you are left on your own, but it creates demand and inflates prices.

Insurance is shaaring risk. The broader this risk is shared the risk pool becomes more stable.

If two people were to pool their health care costs the monthly premium would be in the tens of thousands $$$. They would have to have a reserve to cover the most expensive health proceedures.

If 20,000 people pool their health care cost the monthly premium would be drasticly reduced. They would have the reserves to cover costs and statistics show a small percentage would need to use the reserve.

So we have millions who choose not to contribute to the pool. Many are young and healthy and assume they will not need the health care services, some have health problems that are so costly the risk pool does not want them in their shared risk pool.

So you and I end up paying for the health care of those with chronic illness outside of our own insurance costs. The young and healthy soon become the older and fragile and then they find they cannot get insurance and we pay for their health care as well.

Many parts of the health care bill make good sense.

1) If you have paid into a health plan over the years, you cannot be dropped when you need to use it.

2) The mandate that those that can afford it must pay into the pool. This spreads the risk and makes the plan sound. The alternative is as I mentioned before that if you choose to go without insurance you assume "all" of the risk.

It is very unlikely that those without insurance will be denied health care. It will continue as it is now in that the taxpayers will pay for their health care outside of their own insurance pools.

The portion of the law that I am most concerned about is the provision to cover all preexisting conditions when you purchase health insurance.

There has to be a buffer or waiting period before preexisting conditions are covered. Why would you pay premiums every month when you could just purchase the coverage in the months you need care? I would much rather pay one or two monthly premiums a year than 12. In a lifetime I would much rather pay 6 or 7 months of premiums rather than 360 over a 30 year period.

Health care bill needs work, but has some good provisions.

[know1]

We don't agree, though. I essentially think that health insurance should be made illegal rather than mandated.

I believe that the existence of health insurance and people not having to pay out of pocket for healthcare as well as not having any idea about the cost due to the remote control nature of the process is exactly what has driven healthcare costs so high.

I believe people should pay for general healthcare out of their own pockets and possibly just have some sort of catastrophic policy for serious injuries or major illnesses.

[GeoFisher]

We don't agree, though. I essentially think that health insurance should be made illegal rather than mandated.

I believe that the existence of health insurance and people not having to pay out of pocket for healthcare as well as not having any idea about the cost due to the remote control nature of the process is exactly what has driven healthcare costs so high.

I believe people should pay for general healthcare out of their own pockets and possibly just have some sort of catastrophic policy for serious injuries or major illnesses.

You and are are pretty much on the SAME PAGE.....but I don't think insurance should be illegal.

KYdonky.........if you believe EVERYONE should be FORCED to purchase insurance, then how about just raising my TAXES a percent or 2, and USE that to fund it....By doing that you would ENFORCE purchase by using tax revenue, and you would TARGET the funds for health care.

I HATE this idea, but it sure is a lot easier to understand than 2500 pages of horsecrap.

Later,

Geo

[know1]

I don't think it should be illegal. I was saying that to make a point about how opposed I am to it.

[kydonky]

I don't think it should be illegal. I was saying that to make a point about how opposed I am to it.

So this brings us back to the idea that you should pay for health care as you go. Those that receive health care are those that can afford it or willing to pay for it out of pocket. No pay...no treatment.

The idea that there should be some cost involved in treatment has been around for a long time. It places a check on abuse and use. I think they call it copays.

Most of you guys are missing the big picture and that is that the uninsured end up on medicaid when serious illness strikes. Medeicaid = tax $$$.

So Geo you are paying tax now for medicaid, a tax earmarked for health care for low income including those with chronic illness that put them in the low income to begin with.

If you really want to improve health care you need to look at what is causing cost to be so high. Mainly just about everyone has access and uses the health care system and only a fraction are actually paying for it through insurance policies or the means to pay for it out of pocket.

No one wants socialized medicine.

So we have a mandate that you pay for health care, carry insurance or you just suffer with health problems. Three choices