chicago51
Well-known member
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I've read a great deal of the health care law as it is going to affect my future and I got mixed views about the ACA.
I am all but certain at least in the short term it is going to make health insurance more affordable for those within 400 percent of the poverty line which for a family of 4 is 93k. My issue with the subsidies on the exchange is once you hit 401 percent of the poverty line so about 94k for a family of 4 you get blasted for the full cost so you be better making less money. Now most 94k and above workers probably have employer insurance and wouldn't be on the exchange or they own a small business and can get tax credits but wish the subsides were phased out better.
I think Buster competition position is valid as it eliminates new players joining the market. I wish the exchange was set up to allow more competition. My philosophy for any market is that is deregulated to allow as much competition as possible but that it comes along with consumer bill of rights appropriate for that market.
I am unsure how this pay for value is going to work but if done right it could work. Hospitals are just as guilty for the high cost the provider. It is pointless to do things like refer a patient for physical therapy services when you know it won't work because they will need surgery or sending the patient for a test they don't need just to try to work the insurance.
I think increased people ensured will eliminate the bad debt free care given in the ER so it will help keep cost down.
I like the emphasis on preventive care.
Overall there are many things I like and some things I don't like. I am kind of wait and see on it before render my full judgement.
It would be nice if we stop subsidizing junk food but that is a different area.
I am all but certain at least in the short term it is going to make health insurance more affordable for those within 400 percent of the poverty line which for a family of 4 is 93k. My issue with the subsidies on the exchange is once you hit 401 percent of the poverty line so about 94k for a family of 4 you get blasted for the full cost so you be better making less money. Now most 94k and above workers probably have employer insurance and wouldn't be on the exchange or they own a small business and can get tax credits but wish the subsides were phased out better.
I think Buster competition position is valid as it eliminates new players joining the market. I wish the exchange was set up to allow more competition. My philosophy for any market is that is deregulated to allow as much competition as possible but that it comes along with consumer bill of rights appropriate for that market.
I am unsure how this pay for value is going to work but if done right it could work. Hospitals are just as guilty for the high cost the provider. It is pointless to do things like refer a patient for physical therapy services when you know it won't work because they will need surgery or sending the patient for a test they don't need just to try to work the insurance.
I think increased people ensured will eliminate the bad debt free care given in the ER so it will help keep cost down.
I like the emphasis on preventive care.
Overall there are many things I like and some things I don't like. I am kind of wait and see on it before render my full judgement.
It would be nice if we stop subsidizing junk food but that is a different area.