THE MANDATE IS CONSTITUTIONAL

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John Roberts May Have Tipped His Hand On ‘Obamacare’ Reasoning

Published March 26, 2012

[Captain Oates 911]

now thats done. when does healthcare become less expensive?

2014

You will be able to join an inexpensive pool and early retire

Why do people want to work until they are 80 ?

i don't understand it

I retired at 54 but there again I was British - the Americans hate the idea of not being exploited by billionaires until they drop - is that weird or what ?

Take away my chance to early retire - please !

What is wrong with these people ?

Edited June 28, 2012 by Ashud Cocoa

[one...two...tree 2,762]

Wow! Roberts effectively went out of his way to support this. Had a viewed it only along the commerce clause it would have been gone.

Knowing that it was not unanimous, Roberts would not want to go down in history as legislating from the bench. He has a reasonable respect for the separation of powers.

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2014

You will be able to join an inexpensive pool and early retire

Why do people want to work until they are 80 ?

i don't understand it

I retired at 54 but there again I was British - the Americans hate the idea of not being exploited by billionaires until they drop - is that weird or what ?

Take away my chance to early retire - please !

What is wrong with this people ?

ACA won't let you retire at 54... where are you getting that?

Under ACA you are expected to pay for your own insurance up to a point. For amounts above that point, there are subsidies.

Exceptions to this are people who get insurance through their employers (no subsidies for them), people making between 100% and 133% of federal poverty levels (they get Medicaid unless they are unfortunate enough to live in a state which has opted out)...

Either way, this doesn't let you retire early. This is not nationalized healthcare. This is still a private solution and Horizon Blue Cross wants their money. So get back to work but don't worry if your employer is a dipshit, you can go to an exchange to get insured.

[Ban Hammer 13,554]

now thats done. when does healthcare become less expensive?

the joke threads are in off topic.

[Penny Lane 8,159]

Speaking of which, I would actually like to hear some of our RWNJ members' opinions on this. I wonder where they all went?

Probably ran out of tinfoil and had to rush to the store for more.

[Captain Oates 911]

ACA won't let you retire at 54... where are you getting that?

Under ACA you are expected to pay for your own insurance up to a point. For amounts above that point, there are subsidies.

Exceptions to this are people who get insurance through their employers (no subsidies for them), people making between 100% and 133% of federal poverty levels (they get Medicaid unless they are unfortunate enough to live in a state which has opted out)...

Either way, this doesn't let you retire early. This is not nationalized healthcare. This is still a private solution and Horizon Blue Cross wants their money. So get back to work but don't worry if your employer is a dipshit, you can go to an exchange to get insured.

Read it again carefully- I said I retired at 54 but that was in England. I have had a fabulous life since then and traveled the world and become a US Citizen and sailed my boat and ridden my motorcycle and had a heap of fun.

People in the US are chained to their jobs for decades yet - and stumble on with no hope.

The new pools will be private BUT, due to competition and removal of pre-existing etc, they will be solid reliable plans AND affordable

So my wife who is a beautiful young chick, will be able to afford to retire early - something she cannot do now with the spiv insurance get-outs and individual(not pool) policies where they can deny claims

Her brother works in the claims dept at an insurance company in Milwaukee and is rewarded on how many claims he can deny and how many people he can consign to die in pain and poverty. He is very good at it.

Let's hope he is forced to get a more moral job after 2014.

Edited June 28, 2012 by Ashud Cocoa

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Her brother works in the claims dept at an insurance company in Milwaukee and is rewarded on how many claims he can deny and how many people he can consign to die in pain and poverty. He is very good at it.

Let's hope he is forced to get a more moral job after 2014.

He will still have a job. ACA makes full use of the private insurance industry. All ACA does is change the incentives a bit. People like your brother in law don't do what they do because they're malevolent; their behavior is driven by the incentives their management creates. ACA, through the minimum actuarial value reforms, will mean insurance companies will have an incentive to pay out claims to the extent now required by law or pay penalties to the government. The new incentive structure won't be "deny as many as you can", it will be "make sure we don't have to pay the government a penalty and then deny as many as you can". It's not perfect, but a bit better.

[Captain Oates 911]

He will still have a job. ACA makes full use of the private insurance industry. All ACA does is change the incentives a bit. People like your brother in law don't do what they do because they're malevolent; their behavior is driven by the incentives their management creates. ACA, through the minimum actuarial value reforms, will mean insurance companies will have an incentive to pay out claims to the extent now required by law or pay penalties to the government. The new incentive structure won't be "deny as many as you can", it will be "make sure we don't have to pay the government a penalty and then deny as many as you can". It's not perfect, but a bit better.

As I understand it the main difference is the 'pool' where the wolves cannot separate off individual sheep for denial and discrimination

Individual policy holders are much more vulnerable to the predations of those who would sentence us to death in order to make their bonus

A bit like a second lieutenant in Vietnam who is promoted according to his 'body count'

We have our hopes set on the protection afforded by the anonymity of being a pool member

[Captain Oates 911]

He will still have a job. ACA makes full use of the private insurance industry. All ACA does is change the incentives a bit. People like your brother in law don't do what they do because they're malevolent; their behavior is driven by the incentives their management creates. ACA, through the minimum actuarial value reforms, will mean insurance companies will have an incentive to pay out claims to the extent now required by law or pay penalties to the government. The new incentive structure won't be "deny as many as you can", it will be "make sure we don't have to pay the government a penalty and then deny as many as you can". It's not perfect, but a bit better.

The bit I have bolded above is like saying hit-men aren't malevolent, they are incentivized by their clients

Being emotionally detached from the evil we do is no exoneration

Edited June 28, 2012 by Ashud Cocoa

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As I understand it the main difference is the 'pool' where the wolves cannot separate off individual sheep for denial and discrimination

Individual policy holders are much more vulnerable to the predations of those who would sentence us to death in order to make their bonus

A bit like a second lieutenant in Vietnam who is promoted according to his 'body count'

We have our hopes set on the protection afforded by the anonymity of being a pool member

Yes, there is that.

But even today - if you hold a policy as part of a group as I do - each claim is individually adjudicated (by person, or by machine, or a combination of).

The bigger value, IMHO of course, are the new regs insurance companies will be subject to including the actuarial value reforms. If those are enforced properly by HHS (yet to be seen, a GOP admin could deprioritize it) I don't believe the individual-group thing will matter much.

[JimandChristy 1,689]

Finally the US healthcare system drags itself into the 20th Century. This is a victory for the 99%, next up single payer.

Edited June 28, 2012 by JimandChristy

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Finally the US healthcare system drags itself into the 20th Century. This is a victory for the 99%, next up single payer.

ACA has a path to single payer embedded in it. Vermont is going to blaze the path for all to see and then the interstate compacts will do the rest.

[I AM NOT THAT GUY 5,715]

The next step is to end age discrimination, so that a healthy eighteen year old pays as much for his insurance as a senior with a chronic condition does at age fifty-six. Currently the only way that happens is if both have the same group coverage. As an individual, the eighteen year old pays about a quarter of what the senior does for the same coverage.

Finally the US healthcare system drags itself into the 20th Century. This is a victory for the 99%, next up single payer.

** the 0.00099%!

[elmcitymaven 9,712]

ACA has a path to single payer embedded in it. Vermont is going to blaze the path for all to see and then the interstate compacts will do the rest.

It's times like these you almost miss that incorrigible Vermont booster who appears to be on vacation right now. I think we need a few posts about CHOICE in here!