originally posted by: Indigo5
How again is the GOP going to replace Obamacare, but keep everything they say they want to keep?
Obamacare is the crazyiest solution to the medical insurance problem that any country so far has come up with.
It's tries to be a compromise between capitalism and socialism.
It's not Obama's fault.
It was the best plan the Republicans would let him get through the house and senate, that provided care to those in need.
There is no other country in the world, that has a plan like this one, where the individual is forced to buy medical insurance from private issuers.
That can never work.
There are only two ways to go:
1) Let everybody decide whether they need insurance or not, and buy what they can afford, without government involvement.
2) Let everybody pay the premiums to the government, and let the government negotiate the "group insurance" for all the people from the insurance
companies, without the individual getting involved in the process.
Those two methods work without problems.
Trying to create a model in-between these two things, just makes an unworkable mess.
The individual doesn't have the negotiating power to get the best premiums, so if he has to find an insurer, he must have the option not to buy any
insurance at all. That's his only "leverage" against being ripped off by the insurance industry.
The government has the most power in negotiating deals, and can arrange the lowest premiums for the people.
Besides, the government can always fund the insurance itself, and cut out all the marketing fees, brokerage commissions, and profit markup the
insurance co.s add on to the core premium that effectively doubles the premiums that the individual pays.
We don't only pay premiums for our insurance, we pay marketing fees, we pay broker commissions, and agency fees, we pay share holders dividends, we
pay for the profit and growth financial numbers that the CEO's of all these companies need to show on the books that they are making money, so theose
CEO's can get the big fat "bonus"s at the end of the year too.
Once you've decided that everybody is entitled to have medical insurance coverage, the only sensible solution is to hand over all responsibility to
The individual cannot do better than the government, if you take away his option to "decline all insurance".