Obamacare does nothing to solve this problem. Obamacare only shifts the
financial burdens onto other people who then are forced to pay higher health
insurance premiums, higher co-pays and higher deductibles to subsidize the poor,
sick and older people's insurance. Millions of Americans who previously had
healthcare insurance will now NOT be able to afford healthcare insurance. This
explains why Medicaid enrollees have exploded under Obamacare because it is 100%
taxpayer funded, if you can find a doctor who accepts Medicaid. In other words,
Obamacare created more healthcare problems than it solved, period!
But, I bet they have cell phones, cable TV, iPads, junk food and other
luxuries.I just saw a patient injured in a turbocharged UTV that cost
$18K. She didn't have insurance, despite our president making it illegal
for her to be without insurance coverage. She told me she didn't have the
money to pay for tests that she needs or money for my visit.Wants and
needs are messed up in this country.
This is exactly why Obamacare will be such a big hit! Americans will begin to
change their habits once they're able to afford health care. Everyone
deserves quality health care, not just the richies.
If this article is meant to help promote Obamacare, it is not the answer either.
Because of this law, those who were covered, no longer are. Because of this
law, people are losing jobs, or full-time status. So how are they going to
afford it? Thos people working 2 or 3 jobs, will still have to in order to
afford Obamacare. Some people are doing it to themselves, by not prioritizing
thier lives. Such as smoking, drinking, over spending, eating out too much,
cable, etc. If they quit some of that, they will find money for insurance. If
you want to make insurance affordable, let the open market do it. It has been
said before. Let it work, as like auto insurance. Open borders, allow people to
shop and compare. The insuance companies will change their tune once someone
has what they need at fair price. Another is that they shouldn't be going
to emergency rooms for colds, and minor details. Go to a clinic. There are now
grocery stores and pharmacy stores that have mini clinics people can go to.
Leave ER for ER. That will reduce cost and waiting time. There is more, but no
As a healthcare professional for 35 years, I am embarrassed to be part of the
broken American healthcare system. From what I can see there is too much
emphasis on high profits and huge professional and executive salaries. Health
system executives talk about lowering the cost of healthcare but I have never
heard them say we need to lower the huge incomes of hospital administrators,
physicians, or pharmaceutical executives. Recently a family member needed a
prescription that cost $1200.00 a month. I found the same thing at a Candadian
pharmacy for about $300.00 a month. Obamacare albeit imperfects was a step in
the right direction. At least it prevents the incidious practice of denying
health insurance to folks with pre-existing conditions. The greedy insurance
companies didn't want to compromise their profits for those folks. The
whole system is shameful and it is bringing America down. There needs to be caps
on the profits that can be made on the backs of the sick. Moreover, our over
priced system isn't even close to being the best in the world in terms of
quality. We've had the wool pulled over our eyes for sure!
Actually, Obamacare has had an effect on large company health plans. Because of
the tax on higher cost plans that will take effect after Obama is out of office,
many plans have already been cut back and costs pushed off to employees. As the
article points out, the only way to afford healthcare now is to go to a large
deductible plan. When people discuss the good Obamacare has done by
giving someone healthcare they should also mention that otehr people are now
paying more and getting less on their own healthcare plans.
A big hit? This article actually describes what Obamacare is changing health
care INTO, not what it is attempting to improve. What we have seen so far from
the ACA is that it transforms formerly "regular" plans into high
deductible plans, with a vastly diminished network: higher premium, higher
deductible, less access to care.
@ Maverick. You need to read the recent Congressional Budget Office report about
Obamacare's effects on jobs. Then read the ridiculous spin the Demos are
putting on this report! From them I have learned, "not having a job is
actually a good thing". That will be a very tough sale during the November
midterm elections! Your precious and wonderful Obamacare is falling apart and
any honest taxpayer(that means people who pay the bills) knows it!
MM, you missed the point of the article entirely with your rush to "I hate
Obamacare".The article is not about subsidies, or insurance per
se. It's about the high cost of medical services themselves and how that
effects everyone. If you stop for a moment and take a deep breath
you see how those with coverage from the largest employers are experiencing the
same problem of having to put off medical care because of the high deductible
plans that most large employers have gone to. The ACA doesn't
do a whole lot for this problem of cost. It's a first step though and it
will be articles like this and experiences like those documented in this article
that will eventually lead changes.When the person with the best
insurance available figures out that they are having the same experience as the
person with minimally mandated insurance, having to put off or at least ration
health care because of cost, then maybe we'll get somewhere.The
conversation couldn't happen though until everyone has health insurance.
Viva Le ACA.
1 in 4 struggle to pay the doctor is not really accurate but more true would be
1 in 4 struggle to pay the health care companies who prey off doctors and
Pragmatist. I didn't miss the point at all. There is no such thing as
something for nothing, especially in healthcare. If people want Cadillac quality
healthcare, it is impossible to provide that at Wal-Mart prices. Wal-Mart priced
healthcare, which is what Obamacare promised, must include all the other factors
of Obamacare; job loses, higher co-pays, deductibles and higher premiums for
those who have health insurance. The only conclusion possible is; high quality
healthcare at low prices is impossible, unless of course you are getting a
subsidy paid for by others! The only question is, who pays?
I am a European, so go easy on me.I watch from afar in amasement how hard
you people fight to be "independent on the surface" even if it kills
you.For me it looks not like the land of he free anymore but the land of
the slaves. Very few rich people milk you dry and leave you with nothing. And
you applaud them doing it. This is not to offend anyone. It just leaves me
stunned that every chance you get to make things better for you you fight like
crazy.Times change so the approach to deal with the new situation needs to
be change. But people are unable to change their way of thinking to make every
bodies life better.My humble suggestion: Start thinking out of the box and
take your life back into your own hands and don't leave it in the hands of
the rich people that don't care about you. Fight!Let your leaders
make laws to stop the few to enslave you any further. I wish you all the
best. Lived 10 years in the US. Loved it back then.
If the cost of healhcare wasn't so high, the cost of insurance plan
premiums and deductibles would not be so high. Insurance has allowed the
healthcare empire to charge these unjustifiable fees. Perhaps we should abolish
health insurance totally and have everyone just shop for the best prices. If
everyone had to pay out of pocket for their care, I'm pretty sure the
providers would have to lower their charges fast. Health insurance is just one
piece of a big problem that allows business entities to gouch the sick. For some
reason in America we've decided that if you are a healthcare provider you
are entitled to charge whatever the market will bear regardless of the
consequences to the economic well being of the country and the suffering of the
people. The current "fee-for-service" system just rewards providers for
volume - not quality. Not sure how we can correct greedy capitalism when it
comes to caring for the sick - we are a captive market! I guess people will
just have to suffer and die because they can't afford to see a doctors or
pay for the prescriptions!
Everyone complains about the "cost" of healthcare.Obamacare
has done NOTHING to curb the actual cost of healthcare. If you believe it did,
why did the healthcare companies conspire with obama on his healthcare plan? It
was so they could make even more money.Of course you gullible people
bought the story the president sold and ignored the facts/details.From personal experience I know that my company, in order to cover all the
mandated coverages of obamacare, decreased our benefits/coverage and raised our
premiums.I have a $4000 out of pocket deductible before I get ANY
actual insurance coverage. So, I got premium increases and dramatically less
coverage and literally thousands out of pocket.I also have
dramatically less healthcare benefits even after I meet the deductible.
Example? Zero coverage for ANY brand name drug. Zero. Doesn't matter if
the generic works or not. Zero coverage. Some are $700/month for 1
prescription my son needs.I would tell you to do the math but it
seems most people can't. Premiums and costs are increasing faster than
ever...unless you are very poor...in which case myself and others are now paying
your skyrocketing costs as well.
Mman did miss the point of the CBO report. The ACA may result in up to 2 million
fewer full-time workers, but that is primarily because many people who wanted to
quit their jobs or reduce their hours but couldn't afford to because they
would lose their health insurance can now find affordable insurance without
being employed full time. It is the Republicans who stuck their foot in their
mouth again trying to spin this into something horrendous.The
obvious answer to this mess for conservatives, of course, is to repeal
Obamacare. That is their solution. Yes, Orrin Hatch came out with a very belated
alternative plan, if plan you can call it. What we really need is to follow the
example of all other industrialized countries and move to a single-payer system.
Then we too might cut our health costs in half. But do you think the GOP could
swallow that poison pill? Fat chance.
I agree with a lot of what people have said here and the article, but I want to
point out one thing. I take a drug for Multiple Sclerosis which costs $64,000 a
year. This last year, my husband's company made it's employees start
paying a high deductible. Needless to say, I was concerned, but I also have a
lot of knowledge about how insurance works. I got hold of the company that makes
my medication and enrolled in their help program. They paid my total deductible
and also almost all of my out of pocket maximum. Many drug companies offer such
programs, you just need to look. I really helps with the medication costs. As to
other medical care, such as surgery, etc,... We started putting all the money we
could into our Health Savings Account so we can have some security in the
future. As unfair as insurance is these days, there are things one can do to
help with the outrageous costs of insurance.
@Meckofahess "Recently a family member needed a prescription that cost
$1200.00 a month. I found the same thing at a Candadian pharmacy for about
$300.00 a month."Uh, you do realize the Canadian government,
with their 45-55% taxation of their citizens, partially subsidizes and has a
review board that controls drug costs right?You do also realize that
there are Canadian-based studies that say this exact policy has likely limited
access to certain drugs and as a result reduced life spans?Sometimes/not always are they cheaper either.You also know that if
in fact all countries held prices down that innovation would be stifled because
some of these drugs are discovered only because of years and years of research
and testing all paid for by, you guessed it, high drug costs.Believe
me we all know drugs are expensive but there is also two sides to the story and
it is not as simple as you make it out to be.We can get most
anything here in the USA and we can get fast and that can be expensive but
conversely in Canada that is not always true.Pros and cons.
@The Final WordYou think every Canadian gets 45-55% tax? I assume
you have not lived there.Lower lifespans then Americans, got any
facts to back that up? Looking at the stats they live 4 years longer on average.
Neither political party has done anything to help the people of the USA have
affordable health care. The system we now have is neither fish nor fowl; it is
neither a public nor a private system. The new system sounds even worse for
most people, if that is possible.States, doctors and medical
facilities are beginning to refuse to co-operate with the new system. People
resent being dictated to. Where will it all end we wonder? I know
a man who was a candidate for a heart bypass, double or triple. He decided to
change his diet to a healthy one and within three months, if I remember right,
he told me arteries that were ninety percent occluded dropped to about twenty
percent occluded. He looks and feels so much better. We need to be healthy,
not to be "fixed" by bankruptcy prices and dangerous ops for our dumb
lifestyle decisions. A small percentage only have health problems that could
not have been precluded by common sense life choices, temperance and practical
intelligence. Finally of course all of us, including doctors, will die. No
master plan can prevent that.
If I was a graduating physician today I would probably come out of school with
$400K student loans. I would work for a large network of physicians associated
with hospital care because the single-owned practices are all bought up and gone
(or very few remain). I might be paid $80,000 starting salary (maybe I'm
low on this estimate). How would I pay living expenses and student
loans?Physicians are generally not overpaid. I believe
specialists may be overpaid.So what drives the high cost of medical
care? I believe it is liability insurance costs and the high cost of education.
If doctors didn't face a lawsuit for everything they do, they
wouldn't have to order all of the tests and expensive procedures to cover
their risks.Hospitals face the same problem of liability risks, but
CEOs command too high a price too.
To "Meckofahess" you are right, the healthcare system is a mess. The
problem is that you are not diagnosing the source of the problem. You
wouldn't give a person with a brain tumor an asprin for the pain, but that
is exactly what Obamacare has done.Ok, lets look at the problem in
depth. Yes 1 in 4 cannot afford to pay their doctor bills, so what has the
government done about that? Well, for the poorest, it has given them insurance
policies that have deductibles that must be paid before the insurance kicks in.
So, now with the poorest, we pay for insurance they can't use and we pay
again when their problems are critical enough to require ER care.The
problem isn't the insurers, but the government and their micromanaging of
insurance companies.If the government was so concerned about
actually getting care to the poor, why didn't they set up clinics instead
of going after insurance companies?
Using the ACA as the reason you have to cut payroll/benefits is exactly what
business people do to put more money in their pockets.I have no
problem with business owners doing everything possible to maximize profit for
themselves or their shareholders...that is simply the way capitalism works.What I do have a problem with is business owners using the ACA as an
excuse to cut payroll/benefits.
"Getting stiches or a cast can cost two months rent..." I remember
going to an ER in California a few years ago when having some bad symptoms and
after a two hour wait, and then only having my blood pressure tested, I get a
bill for 800 dollars. Health care is too expensive because there is too much
regulation and government involvement. Remember the 800 dollar hammer stories
coming from the defense department? Prices like that can be asked for and
gotten away with because government is too big to manage costs. Open up the
medical care system to nationwide competetion and insurance programs, and watch
the costs drop. And watch the quality of care improve due to the need to
attract customers. If a doctor wants to be a socialist MD, let them practice in
the military, where they get the same pay as any other 04 or 05 ect. Otherwise,
let them be part of the free market economy just like most other service
It costs me more than twenty five percent of my take home pay to just pay for my
insurance. That is before I pay copays, deductibles, or out of network costs. My
friends in the medical field say they have to jack up prices charged the insured
to cover the uninsured whom the law requires they treat even if they cant pay.
So I am being "taxed" by higher premiums to pay the costs of those who
cant pay. OUCH
md: Even if they all did and got rid of these luxuries, they still could not
afford insurance. Most people who don't have insurance have a $18K UTV.
All the posters here prove that our health care system is complicated. It also
is almost 20% of our GDP and is a FOR PROFIT industry. Because of those reasons
change is not going to be easy and is going to be very politcal.
I live in the UK and have a daughter in Utah her son has leukemia which is
obviously bad enough, but to then have massive healthcare excess to pay is
crippling them financially. I don't understand British politics let alone
American politics but there has to be a more equitable way, maybe means tested,
looking at what and how people in need spend what they have, which I am sure
will upset some of the civil liberties people but if the deserving get the help
it must be worth it?
To "FT" here is one thing to remember. Even though healthcare is a for
profit industry, they still are able to make a profit and provide a service
cheaper than the government can.Private insurance companies
typically take 15% of the premiums for overhead and profit. Now compare that to
the 25% to 30% that the Federal government takes for their overhead costs.It only gets worse once you look at money lost to waste and fraud. The
government burns through money 2 to 4 times as fast as private insurance.To "johnklds" you should be glad that your grandchild is in the
US. The US has a 90% survival rate, compared to 78% in the UK. Can you tell me
how much money you would pay to give your grandchild the best chance of
@RedShirtFor acute lymphoblastic leukemia its 90% in the US compared
to 88% in the UK. 78% is for ALL types of cancer in the UK. Just wanted to
correct you there, I am sure you are not the type of person to willingly distort
statistics.As someone who has had a seriously ill child, not having
to worry about medical bills was a huge relief and help. It allowed me to
concentrate purely on my child without any additional stress. My child was was
treated successfully and I didnt have to worry about my insurance company
sending a letter requesting thousands of dollars.
To "UT Brit" and you claim that you have lived in the US and actually
used health insurance here.The insurance companies do not send
bills. They will send you a statement outlining what they paid, and include an
estimate for what you may be required to pay. For those that don't have
the money most hospitals have funds or the ability to write off the bills for
those that actually need help.As for the statistics, still, 2%
better survival rate. How much would you pay to know that you have a better
chance to live?
Right so the letter from the insurance company isn't a bill, they just send
you details on what you have to pay. Biggggggg difference there redshirt! Oh
those hospitals are so generous I am sure they are willing to wipe out
everyone's debt. When you have so many uninsured who pays all those
bills?How much would I be willing to pay? That all depends on if my
wife and children are going to be left bankrupt and homeless at the end.
Thankfully I live in a place where worries like that never cross my mind.
High cost of medical care has been a long time developing but is the product of
what our system has done. We cover things with "insurance" that should
not be part of insurance and we have been socialist in this system with patient
and doctor not being responsible to each other for the cost of services for more
than 60 years. When you spend someone else's money for a service, you tend
to lose track of the cost both as a provider (doctor) and patient, (bills paid
by insurance with those premiums paid by employers). This has caused run away
inflation in healthcare costs for more than 60 years. Obamacare will only make
this worse and create a bigger two tier system with those who have money getting
care and those without, getting emergency care provided by government doctors.
Welcome to Medicare for all and USPS/DMV quality healthcare by government paid
Health care in this country is a tradey. It should NEVER be for profit and
NEVER traded on the stock market. All profits should go back into the system to
pay the Drs. and run the hospitals. All profits need to go back into the system
to keep the costs down. Until we truly have a national health care system, we
will continue to go broke. This country needs to do away with medicare,
medicaid, and have universal health care for all. One system and one healthcare
provider for each state. PERIOD!
Why have we Americans just sat back and allowed the Health Care Providers,
Insurance Companies, Hospitals, Drug Makers, etc all just raise the prices
through the roof? It's akin to the way we just let the oil companies rape
and rob us blind for the basic commodity of gasoline. When are we going to say
"Enough is enough and NO MORE?!!!" We trusted the US Congress and that
was our first mistake, I suppose.
To "maxx1" if we followed your advice, we would never have new
hospitals, new techniques developed, or new medications. How could a Doctor
afford to buy new software for his office if he didn't use the profits he
earned to improve his office? If the drug company didn't use their profits
to develop new drugs or new manufacturing methods, how would that ever
happen?I don't think you know what profits are used for in
healthcare, or other businesses.A universal care system would be
terrible. You see, thanks to profit, health care providers look to make things
cheaper and more efficient. Government beauracracies feed on inefficiency.
Government managers can only prove their worth by the number of people they
manage. So, to look more important they need the system to be inefficient,
which they then use to get more supervisees. So, a job that could be handled by
2 or 3 competent people is now being worked by 8 inefficient people. The system
gets more and more bogged down, which means that for a Universal Care system,
you lose more healthcare dollars to pay for growing inefficiency.To
"toosmartforyou" you cna thank the government for the price increase.
@ Redshirt1701Was it the government who decided that an aspirin at a
drug store, over the counter, was $5 for a bottle of a hundred and that at a
hospital a single aspirin was $15? Aspirin has been around for decades and so
there is no name brand that the medical profession won't approve as a
generic because there isn't money in it so they just jack up the price of a
single tablet to begin with.Why is healthcare so expensive in the
emergency room as compared with a doctor's office for the exact same care?
The hospital's ought to be cheaper because they buy supplies in bulk.Why do healthcare providers not allow you the same price if you pay cash
than if you pay through an insurance carrier when they would have tons less
paperwork and get their money immediately? If you have a procedure that the
hospital bills at $10,000, with you having insurance they might accept $3,500
total from you and the insurance company but if you don't have insurance
they want the entire $10,000...what's with that?Just how is
government responsible for each of these scenarios? Please elaborate.
We have a working model that provides FREE health care for those who cannot pay.
My family utilizes the ER for all doctors visits, diabetes, and if our children
get the flu. Never has their been a bill that we need to pay. Local property
taxes subsidize the hospital and health insurance premiums are higher for the
rich or 1% of this country who can afford it. The model works, why
fix what ain't broke? I don't like the longer wait times, but its
FREE so no complaints.
@ Liberty For All,Nothing is FREE. It may be free to you, but
someone is paying the bill. Local property taxes subsidize the costs, according
to you, so ask those property owners if your healthcare is free and see what
they say.Is this model really for those who can't pay or
perhaps used by some who feel "entitled" and won't pay?
"Free" can be a curse as well as a blessing.
To "toosmartforyou" actually, the government and their mandates on
hospitals contributes a lot to why asprin costs $15 instead of $5, combined with
lawyers that use hospitals like a gold mine.See "$18 For A Baby
Aspirin" at NPR or "4 SoCal Hospitals Close Their ER Doors" at CBS
LA. You can thank government mandates that require hospitals to treat anybody,
regardless of ability to pay.Next, if you want to further understand
the cost, look at malpractice insurance. If 1 OB/GYN costs over $300,000/yr to
cover, how much do you think a hospital full of people costs to insure for
malpractice or even cover for liability?
When Obama care does kick in it will be 3 out of 4 can't pay for health
care insurance or the medical care. Funeral wagons will become common visitors
to neighborhoods because people will be dieing at home instated of in the
hospitals. And if you can afford the health care you can't find a doctor
who will take Obama care insurgence.No, Obama will not give everyone
health care and no one will paying for it either since jobs will not be
collecting and paying the health care insurance to government and workers will
have to work 3 jobs to buy it on their own. Those who don't work will not
get health care and this plan is not meant to pay doctors and hospitals, thats
why their is a $6,000-$12,000 yearly deductible the insured has to pay first.
You might have insurance but it won't pay for any medical care or
prescriptions. Health care in the US is dead industry and doomed to
die when Obamacare law is passed again in 2016, after Obama deserts this