Since most here think that Obama's health care plan sucks what do you all suggest? I do not see letting the health care insurance system carry on business as usual or none of us will be able to afford it soon. It always out paces inflation by a wide margin (Okay, many claim that Obama's plan will be even less affordable, maybe so, so what is the alternative). What about insuring people with preexisting conditions or our they just s#&% out of luck? Almost no one can afford private health insurance without being in a group plan. IMHO at this time health insurance companies are loose cannons that are royally doing it to us. The only suggestions I have heard on this board is "let family take care of them" (very unrealistic), get rid the the illegals and we won't have a health care problem (ya right), or turn away those that cannot pay (not a very Christian attitude). I want to hear about some real plans that do provide health care for all of us, is affordable and accessible and is acceptable to "conservatives", or is there no such animal?
GuzziJohn
The same moron that caused these problems Ted Kennedy with the HMO and PPO law he wrote is the one that tried to fix it with the Idea of Obama care.
But back to your question.
This is insurance. Plane and sysmple. You have insurance on your house, your stuff, and your car. Depending on the risks and what coverage you want is how much the premium is going to be.
If you are a speeder and have 1 fewer point that you loose your license then you are going to pay more than some one that does not have a ticket on their record. Period.
You coverage is mostly to cover a problem- accident - your fault or not
Now if you are asking your auto insurance to start covering all of your oil changes, tires, and other maintence then the cost for your insurance is going to go up. We have the same problem with Health insurance. In the race to put out the best product for the lowest price some of the insurance companies offered more and more services.
The problem came when the customers started to demand more services for low or no cost increases.
Some how you do not have a problem with the insurance companies having to give things away.
I am sure you are the first to complain if the boss asks you to work over time for no pay. Or have your customers demand more from you for no additional costs.
But we ask the Hospitals to treat people with out payments and no contingancy to get those payments. We have millions abusing the system that are driving up the costs for others.
What i would like to see if the Medical savings plans and catastrophic insurance plans.
Insure your self against big medical problems (organ failure, cancer, viral, ect) and you pay for your standard health care out of the saving plan or your pocket.
But bankrupting the best health care system in the world to cover a few hundred thousand people that are on the pre existing condition ban (many if they change plans or get group can be covered) others do not want to be covered - why buy insurance if you don't need to?
I think we need to look at the health care plans and figure out what we are willing to self insure against and what we want to have covered.
On your car you ding a bumber- do you take it to the auto body shop and pay the deductible, see if you can pay cash an hopefully get under the deductible, or take care of it your self and buy the parts needed and bolt them on your self.
You or you kid cut your hand and you look, is it bad enough where I need to go to the doctor. Can I take care of it my self?
The Problem with you liberals is none of you have grown up and you are looking for the government to take the place of your parents and take care of you. Or you are a unch a racists and you think the other down trodden people need to be taken care of. basicly you are asking someone to give you Prime rib, instead of hamburger and you wanting to pay for a dirty water hot dog or have someone else pay for it. And instead of writting a law to cover the people that have a prexisisting condition you want us all to have crappy care.