Time magazine had a very interesting article last year, " Why Medical Bills
are Killing Us."Everybody should read it.
As someone who got a jump on a professional career before having children,
I'm a little older than those that one might find (in Utah) with a one year
old and starting a family. But still, I'm very young - 28. I make a modest
living, doing something that I enjoy. We had okay coverage through work, not the
best plan available(and in hindsight a much better plan that I have access to
now), but nearly entirely work compensated. Personally, I'm on the losing
side of these changes. Our plan has been discontinued and work has stopped
offering insurance. Turning toward the Health Insurance Marketplace has been a
disaster. The cheapest plan for us is more than double than previously and our
deductable went from $4,800 to $12,000. Our baby last year cost a total of
$10,875 our obligation was around $4,000. Without a change in income, Obamacare
has drastically changed our budget and retirement planning. More money for less
@SunsetI don't watch FOX. My knowledge comes from family
members working in the industry implementing government healthcare regulations
and further researching the actual legislation. I agree there a more problems
with the cost of healthcare than just innovation. however,comment size is
limited and non-transparent pricing is a big factor. I agree wholeheartedly with
your reason #2. Would it surprise you to know that as a general rule I have my
babies at home for that among other reasons?A real life example of
posting prices reducing the cost of healthcare can be be found at the Surgery
Center of Oklahoma. A real life example of people paying twice in
Utah just to get care is found in the services of After Hours Medical in SLC.If and when Europe and Canada get single payer designed correctly, then
we can consider their lead. At this point we're just following them
off the same cliff.For more info on the expensive government
regulations and concerning medical data gathering visit any .gov site found
while searching "meaningful use." There are plenty of
untried options for improving healthcare. ACA is not the answer.
I really think it is a big mess, but that is just my opinion. I think there
could have been better ways to get people insured. In Canada, they have a GST
tax (goods and services tax) on just about everything you buy to pay for their
free medical. I used to travel to Canada and stay a week at a time renting
cars,eating in restaurants and using motels. When I crossed back to the US, I
would always get reimbursed about $65 bucks because I was not a Canadian
citizen. That seems to be a pretty steep tax for one week and talking to people
there, they were not all that impressed with their so called free medical.
I'm not sure what the answer is, but I do know one thing---- nothing is
@ Fitness FreakPlease run for office so I can vote for you? Our
government is full people with connections to the medical field, but even they
can't come up with common sense solutions like you did. I appreciate your
moderation. I wish more people understood that the problem with our Leviathan of
a healthcare system is the obscene cost. While Obamacare helps in some ways, it
ultimately fails because it's designed to shift costs, not lower them.@ ChellerellaWith all due respect, I think your Fox
assessment is flawed. The U.S. is number one in medical costs but mediocre in
delivering care to the average person. You are sorely mistaken if you believe
that our healthcare costs are high because of American innovation. That is just
a nationalistic fantasy. Our costs are high for two main reasons: (1) our
government fosters and shields the greed of rich companies and (2) there is so
much bureaucracy that separates us from our doctors and from making informed,
financially-sound medical choices. The people have no power in this system.Yes, the Canadian and European models are flawed. But a single-payer, if
designed and implemented correctly, could address these issues.
My insurance doubled in price. Lose.
I can't afford $5,300 deductible plus $180 per month. It's insane.
Obamacare is not for me.
Here in California, my son (and young family) went from an employer provided
Aetna PPO to the comparable ACA conforming Aetna PPO. His payments increased by
$200 a month. His doctor was no longer covered. His meds went from $5./month to
$1000/month since his doctor wasn't covered. He also has to set up a
$5000 HSA. I don't know what kind of advertising is happening in
Utah, but about every ten minutes there's an ad on television promoting
"Covered California" (our state version of Obamacare) and saying the
best part is "You'll be subsidized." I cringe every time I hear
it. So not only are we paying much more for less (and not keeping our doctor),
but we are paying for other folks through our taxes. And the President,
whose job it is to execute the laws made by Congress, is unilaterally changing
the ACA every five minutes to position the Democrats for the November elections.
(They don't want people to know how it is going to affect their employer
provided insurance until AFTER the election)
Our insurance exceeded the minimum required by Obamacare, but our decutible went
Fitness Freak "to improve healthcare...require Dr.'s offices to post a
price list at their office that at least show some sort of estimate of what my
bill will be. What's wrong with that?"Nobody seems to care
what the cost is if it's covered by insurance. That is the problem.You may have something, but the Doctor should send the price list to the
insurance company to get into their network. But, the insured still isn't
going to care.
And know the other side...you have to fact check both those for and against
personal stories.JSB Sugar City, ID "Medicare has approved a
back brace for an older widow friend of ours who is in constant pain, but her
Obamacare approved insurance company is stalling in paying for it."Fact check, if you are eligible for Medicaid, you are not eligible for the
FatherOfFour "I have had benefits through my employer for the last three
years. I recently dropped that coverage and went through the exchange."Fact Check - You are not eligible for the exchange if you are already
covered by your employer.
The problem is that the ACA is about insurance, not healthcare. Everyone in the
US could get healthcare. As a nurse, we treated everyone who walked into our
dept. whether they could pay or not. They had great healthcare. The rising costs
with healthcare will NOT be "cured" by the ACA. On the contrary,
speaking to a healthcare financial accountant, the costs will go UP. So for
those who say they have been "helped" by the ACA there are more who have
been hurt and more to come since the employer mandates have been
"delayed" until 2016. Can anyone really think that healthcare
costs will go down because you add a government layer of bureaucracy? It
frightens me to think that people can be so illogical. The method that the ACA
uses to enforce the "mandates" will change as they will not be able to
allow people to not pay their TAX. The ACA is a small nudge toward a
government one-payer system. Speaking with a nurse in England, she was at the
burn-out stage. She had too many patients and not enough resources. That's
the direction we are headed with the ACA.
@jsbSomething about your medicare story is fishy. If a person is on
Medicaret the ACA doesn't change anything for them. If they have pure
Medicare part A(hospital) and B (professional services like doctors and physical
therapists) than private insurance has nothing to do with what medicare pays.
They may have a supplement plan, but that is something they chose to do, the ACA
doesn't require additional insurance past Medicare. If they are choosing to
purchase a Medicare Advantage plan(a plan where private insurance is paid a per
member stipend to a private insurer that agrees to maintain Medicares minimum
coverage levels) than that is still their choice, and they can always choose to
drop back down to a pure Medicare policy. But what you describe simply
isn't how Medicare works. And Advantage plans were not created because of
the ACA, that was during the GWB administration.
@SchneeNo, single payer would not be better. That is the likely
outcome of ACA though,The US is expensive because we are paying for
both care and innovation ( as well as those who refuse to pay.) Research costs
money, we invent the cures and then share them with the world,Socialist Europe does not have a cheaper better system. I have family in
Germany, when I was a kid they would bring us chocolate and we would bring them
aspirin. It took months to get doctor appointments, so you just didn't go
unless it was life or death.Years ago the laws were changed so that
one could buy private insurance on top of the socialized insurance the people
already supported. My cousins worked for a company doing that. Let
me repeat: people are willing to pay twice, just to see a doctor.Do
you know that Canada routinely sends high risk maternity patients to the US?
They stay in the hospital here, racking up huge fees, paid for by the Canadian
people. If they had the resources in Canada they would be home with their
families. Not exactly efficient. Lower prices come from
competition through transparent prices.
I agree with Grover and I would like to add that as a previous insurance worker,
I know that some years were better than others in insurance. There have always
been very good advantages to insurance, and there have always been the
disadvantages. But the ACA (Obamacare) is trying to make insurance more fair for
people and give more people access to insurance that didn't have it before.
It's a work in process and will change as the needs dictate. It is here to
try and fix the worst in insurance (denials and pre-existing conditions) and is
not anybody's enemy. (As a many in politics around here would have people
believe). It is here to help more people similar to how Medicare came to be in
1965. And I would doubt that anyone wants Medicare to go away. Most of us have
elderly parents or grandparents this helps tremendously. And now, people that
haven't had insurance will have the help they need too.
Same same. We really didn't get out of the ACA what we needed. One of the
reasons I maintain dual citizenship (and pay taxes in Canada) is to get health
care. Here in the US, I purchase insurance for catastrophic events and
Two points need to be made here:1. To summarize the comments so far
the ACA is "great, terrible or the same as always." That range of
opinion is no different than the range of opinion in 2013 (before the ACA came
into effect). There are winners and losers and those who see no difference.2. No one mentions the travesty of the system before ACA. 50 million
with no insurance, annual increases averaging over 8% a year for the past 12
years and bankruptcy for thousands per year even if they had insurance. How
much worse can it get? If the ACA is not the answer, neither is the status quo.
Let's hear some suggestions about how to fix the ACA since it took us 70
years to get it through Congress we can't afford to dump it now...FIX IT!
@Chellerela"Everybody loses with ACA because it can never be the
most efficient way to spend money and get quality."So should we
go with single payer healthcare then? The US has one of the most expensive
health systems in the world and those socialist European nations have it much
cheaper and more efficient while still getting quality outcomes without the
leading cause of bankruptcy status the US has with medical bills.
Unlike other taxes and penalties, the ability of the IRS to enforce and collect
the mandate tax is constrained. Under § 1501(g)(2) of the ACA, the agency
is precluded from using its traditional means of collecting fines and
back-taxes. The law provides that those facing the penalty “shall not be
subject to any criminal prosecution or penalty” for nonpayment. Moreover,
liens and levies cannot be placed on the property of the uninsured. Therefore,
the only means of collection at the IRS’s disposal is the garnishment of
the uninsured person’s income tax refund. This narrow window affords
intuitive would-be tax-avoiders the opportunity to flout the system.
There are four ways to spend money.You can spend your own money on
yourself. You will likely care most about both the cost and the quality.You can spend your own money on someone else. You will likely care more about
the cost than the quality.You can spend someone else's money on
yourself. You will likely care more about the quality than the cost.You
can spend someone else's money on someone else. You will likely care less
about the cost or quality.Everybody loses with ACA because it can
never be the most efficient way to spend money and get quality.I can
no longer find a single practice OB or Pediatrician in the area. Never get same
doctor twice. They get better rates from the insurance companies in groups. The
quality of care has plummeted in the last few years, but the costs have
skyrocketed. My 2008 baby was $4,000-paid out of pocket because we didn't
hit the full deductible. My 2014 baby is $16,000- paid $5800 out of pocket.
Nearly identical deliveries: No complications. No epidural. Quick labor and
delivery. Same hospital. Same doctors.Still $2900 to pay on family
out of pocket max this year.
I can't tell what these Obama haters are more ignorant of, insurance in
general or the ACA in particular. It's a toss up at this point. Let's
see if a winner can emerge.
The Affordable Care Act has had little, if any, effect on the cost of my
insurance. I get it through my employer. The premium went up 10 percent this
year; but the employer had taken the hit for the last two years. Overall,
pretty much the same as in the past.However, I was able to keep my
25-year-old son on my policy until he completed his degree and got a full-time
job with benefits. I currently insure my 24-year-old daughter while she
completes graduate school. Pretty big impacts for my family.
For every person getting "free stuff" under Obamacare, or even reduced
prices, there are at least as many people who will be forced to pay more to
cover your costs, either for the insurance, or for the reimbursements the
government (i.e.- taxpayers) will eventually give.So, young people
with good health habits are being forced to pay to cover people who engage in
high risk activities, or very bad lifestyle and diet choices, instead of people
being responsible for their own actions.Anyone who insists that it
is responsibility of the government or society to pay for medical case for
everyone needs to contribute every dime of their savings to charitable agencies
before forcing taxpayers to give money.And, if taxpayers must
provide free healthcare, why not a free car, free housing, free sports tickets
and free veterinary care as well. After all, anyone who wants an Obamphone can
@FatherofFour,If that is true, the only way that is possible is
because other people are flipping your bill. If you had good insurance before
Obamacare, chances are you are now paying higher premiums for less coverage. The
whole thing is set up to force everybody to be the same.
There's a whole lot of things we could do to improve healthcare;
unfortunately Obamacare isn't one of them.Examples: require
Dr.'s offices to post a price list at their office that at least show some
sort of estimate of what my bill will be. What's wrong with that?Allow me to show up at a lab (the same lab my Dr. sends the throat swab to)and
get my throat swabbed for strep, or whatever! Then, if meds are needed, why
can't I buy antibiotics over the counter, (the same as when I'm in
Mexico BTW). I can be trusted to buy a gun, operate a vehicle, but I CAN'T
be trusted with antibiotics?Where we used to fight with insurance
companies, medical providers, hospitals, etc., regarding our medical care NOW we
will get to fight the government also.All Obamacare does is put one
MORE outside entity between me and my Dr.We need to reduce costs in
healthcare - not just figure out someone else to pay the outrageous costs
associated with medical care.
America needs to take some responsibility for voting for obama. The insurance
is going up and it won't be coming back down.It is amazing so
many people can't do math and just want to believe anything that obama
says.I know some fairly normal people who voted for him. And that
is because the Republicans who should be adding value to the world are too busy
serving themselves.We need some term limits so we can clear out all
these ego maniacs.
JSB,If the insurance company does not cover the back brace now, they
probably didn't cover it before. Individual insurance companies still get
to deny coverage on many items just as they did before. But as you mentioned,
Medicare (the government-owned insurance) has approved it. It's the private
company in this case that is denying it.
Help me. I no longer working and on disability with family of 6 but I still do
have Blue Cross/Blue Shield Federal. Would I be better off to go with Obamacare?
My children has Mental disabilites. Is there a place where I can evaluate my
option or stay what I have?
1. Under Obamacare my daughter's family is paying significantly more than
they did before for less coverage (unless you consider mandatory maternity
coverage for her--she's not having any more children; her 4 year old
daughter; her three sons and her husband). Their deductible is twice as high as
well. Thanks Obama and Nancy.2. Medicare has approved a back brace for an
older widow friend of ours who is in constant pain, but her Obamacare approved
insurance company is stalling in paying for it. What ever Obamacare says, the
real message is give older people a pain pill and let them die. Thanks Obama and
Nancy.3. Message to the whole nation: Don't vote for anyone who voted
I have a close friend who has suffered with hoshitoxicosis and severe thyroid
problems for the last three years. Because of this illness she missed enough
work that the bank she was working for laid her off. She has been in constant
pain and unable to work. She racked up a tremendous debt with ER bills. Her
family has contributed a huge amount financially. No insurance company would
cover her because she was high risk and a pre-existing condition. She was
basically left to die by the system. She got insurance through Obamacare for
$115 per month. She got in to see a doctor and an endocrinologist. She has
thyroid surgery coming up soon. All because of Obamacare. The other option was
for her to just die. I have had benefits through my employer for the
last three years. I recently dropped that coverage and went through the
exchange. My premiums are lower, my deductibles are lower, and my coverage is
better. It took some shopping around on the exchange to get exactly what I
wanted. But my accident prone cheerleader daughter loves it.