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originally posted by: Aazadan
a reply to: Apollumi
For as bad as the ACA is, no one has come up with a better idea in the US since the 80's. It was the Heritage plan from 1988 until 2008 and it's what the ACA essentially compromised into. Even the current House leadership is offering the exact same thing, 9 years after 2008.
This has been basically the only thing anyone has been able to "agree" on for close to 30 years now. They've begged the people for better ideas, and they can't come up with anything despite the fact that physicians make up the second largest profession of anyone in Congress with 21 members (second only to lawyers), and almost all of them are currently Republicans who campaigned against the ACA.
Health care is complicated, go figure.
originally posted by: orionthehunter
I can tell you about HSA's. They only apply in a high deductible plan. For a single person, you pay all medical costs each year for the first several thousand in costs, then get covered at 80% after you meet your deductible for the year. It works ok if you never get sick or you hardly ever visit the doctor and save the max each year if you can so that you can pay the deductible in a year you need to. Before Obamacare, I had a PPO plan and simply paid a deductible and roughly 20% of everything beyond a small deductible.
Some other problems I know of is that insurance companies can deny paying the full 80% they are supposed to pay. They can claim it was out of network or unfair and unreasonable. I once had a bicycle accident and was taken to a nearby hospital unconscious. The insurance company refused to pay the full 80% they were supposed to claiming a hospital 78 miles away had cheaper rates. I was unconscious and had hit my head. They denied my appeal.
I heard many others get treated for emergency treatments or even standard procedures and the hospital system does not watch out for consumers. Insurance companies deny paying if doctors are out of network and many times hospitals arrange several doctors to see a patient. It's like highway robbery getting treated at a hospital. If they do pay, it might only be 40% or less. If you had a procedure that cost $250,000 or had a heart attack or something else, you could lose your house unless you are well off or lucked out and only owe 20% or only 25% if they don't deny too many charges. Well maybe not lose your house unless it was a really big procedure.
originally posted by: carewemust
You'll run into problems though if you allow PRIVATE insurance to co-exist with Single-Payer/Socialized healthcare. The BEST doctors won't accept patients who have "government" insurance, due to it paying them less than private insurance.