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Old December 5 2012, 03:30 PM   #105
Robert Maxwell
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Re: Do the Homeless Get Free Medical Treatment at American Hospitals?

teya wrote: View Post
RyanKCR wrote: View Post
Santa Hooves wrote: View Post

Because the article is about healthy, young people. Are you either of these things?
And that's the point. ACA will screw over people like me and families with children like me.
No, it won't. You'll be eligible for insurance thru the exchanges.

As will I, when I retire at 60. And retirement at 60 means I can work the day job remotely from my farm, start my business on my farm, and produce a few jobs. Not a lot of jobs, but a few in an area that desperately needs every job it can produce.

I know quite a few people who plan to take the skills they've gained through a lifetime of working for someone else & start a business of their own. Few of us make it to 60 without a pre-existing condition that makes us uninsurable on the open market.

With a true universal healthcare system, we wouldn't be tied to those employers & would have been able to start our businesses earlier.

As for providers raising prices now... I've only heard anecdotal evidence on that. So I'll provide anecdotal evidence to the contrary: although 60 percent of our contracts are commercial & pay us on percentage of charges, we raised rates this year only on procedures where our charges were less than what Medicare pays or where the charge for a given procedure was inconsistent across the system. There's no reason a CT done in one location in a hospital system should be cheaper than the one done across the street. The patient doesn't get the choice of what scanner they're scheduled in, so charge discrepancies are unfair to the patient.
Here's my anecdata: I've had my employer-provided policy come up for renewal a couple times since Obamacare was passed. My employer doesn't cover very much of it, so any increases are felt by me pretty directly. Without giving exact amounts, here's how my insurance costs increased each year since 2009:

2010: 12.6% increase over 2009
2011: 15.5% increase over 2010 (a lot of that due to a switch to another insurance company)
2012: 7.8% increase over 2011

No word yet on what the 2013 rates will be like, though the rumblings I hear indicate it won't be a steep increase. Talking to my fellow employees, they were seeing at least 10%+ increases every year before Obamacare, too.

All that's happening now is insurers jacking up rates and blaming Obamacare for it, when in reality they'd have raised the rates regardless because that's the way the industry is going, for a whole host of reasons. I'm not saying the Affordable Care Act has had no impact on rates, but to singlehandedly blame them for all recent-year rate increases is just pure hogwash.
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