a reply to: Sookiechacha
Ergo, my point that "everyone deserves medical treatment" is demonstrably valid in emergency situations, as opposed to my fellow posters who
argue that "no one has the RIGHT to medical care".
Just because someone may deserve something, does not make it a right. You seem bent on making sure I will disagree with you. And you got it. Now
you're complaining that I did so.
I laid out exactly what I thought, and all you have done so far is twist it around into some sort of ill-conceived talking point that begs for another
disaster in healthcare. I don't think you even know what Obamacare did.
Obamacare instituted an individual mandate that required people to buy health insurance whether they wanted it or not. That's wrong on several levels.
First, it's not the government's place to tell anyone what to spend their money on. We have taxes to ensure that social needs are met. What's left
after taxes, the government has no control over.
Second, the mandate demanded policies that met some arbitrary minimum requirements. So not only were those people who didn't want to spend their money
on healthcare forced to buy healthcare, they were limited as to which policies they could buy. The more a healthcare plan pays, the more it costs.
That in itself raised costs to the consumer, because everyone was forced to buy expensive policies with riders they would never use. Men had to have
maternity insurance... men by definition don't go through maternity!
Women had to be covered for prostate problems. Women don't have a
Thirdly, by demanding that everyone in the country purchase health insurance, there was no incentive for insurers to keep their profit margins low to
attract customers. Price fixing was rampant. Yes, I know, that's illegal... but prove it in a court of law. You can't. To prove price-fixing, you have
to essentially get someone in the upper echelon of the insurance companies to admit to the crime, risking jail time and massive fines, and losing
their bonuses, jobs, pensions, and anything else their company promised them. The result was that insurance policies inflated like crazy as insurers
padded their pockets. The fewer insurers in a state, the easier this became, because there were fewer companies to deal with in any price fixing...
indeed, many states had one single company left to insure, meaning there could be legal price fixing.
Fourthly, the burden was placed on the states, but it wasn't required by the states. Many states simply chose not to participate because they couldn't
afford it. That left the citizens in those states who needed help out in the cold. Quite a few made more than their state allowed for Medicaid, but
not enough to qualify for Federal assistance to pay policies they couldn't afford.
Fifthly, those subsidies were paid by taxes... hidden taxes placed on everything from hospitals to medicines. It also placed several regulations on
doctors, as has already been pointed out to you. Between these, the cost of healthcare itself had to rise to compensate, and higher costs again mean
higher insurance rates.
Sixthly, the program gave healthcare to people who did not understand how healthcare even worked. People would go into emergency rooms for a common
cold, which led to high wait times and increased costs since additional doctors and nurses had to be staffed. It also raised costs because the claims
going into the insurers went up... emergency rooms cost much more than a doctor's visit, and higher costs mean higher premiums.
Seventhly, Obamacare required pre-existing conditions to be accepted. The presence of a pre-existing condition guarantees that the policy holder will
have additional expenses, and more expense equals higher premiums.
Now... IF healthcare is not paid for by the taxpayer except under medical emergencies, what will that do about the above problems in Obamacare?
Firstly, no person would be required to buy insurance. That would fix the Constitutionality argument. If a service is to be provided, it should be
paid for with taxes, not with mandates on the spending of after-tax monies.
Secondly, everyone would have the exact same catastrophic coverage, but at no cost other than taxes. Those who want insurance can then shop for the
coverage they need for non-catastrophic care.
Thirdly, the lack of any individual mandate means that insurers would have to either drop their rates or deal with fewer policies. The insurance game
is one of spreading risk, and the fewer the policies the less the risk can be spread. No insurer will allow that to happen without first cutting
profit margins; the alternative is to take a huge risk of bankruptcy.
Fourthly, the states would not be involved. Medicaid could actually become obsolete, because those they insure would be covered already under an
expanded catastrophic plan. Everything would be administered through the Federal government.
Fifthly, the costs for administration would likely be less than the costs of insurers price-fixing and increasing their profit margins, plus the cost
of administering the bloated Obamacare bureaucracy.
Sixthly, non-catastrophic care would not be covered. If someone went to the emergency room because they had a cold, they get to deal with the bill
collectors. Yet, catastrophic care would still be provided.
Seventhly, all catastrophic pre-existing conditions would be covered by definition.
Now, there's a plan that could work. It fixes seven major problems with Obamacare and ensures that people will not die off because of a lack of health
care. All it does not do is allow for abuse from people using it for minor ailments that do not really need medical treatment. And it still allows for
people to purchase additional insurance to handle those minor aches and pains if they want to do so.
Yet, you don't want to hear it. You want free everything for everybody, or you'd be willing to watch people suffer who desperately need help. That's
the problem: you
. You want Obamacare back, so your idea of a solution is to fix it by reinstating it in all its infamy. Tough cookies. You can
stop trying to make me out to be the villain here... the true villain is anyone who refuses to accept that not everything in the world is free for
everyone. Even in the countries with a working universal health care system, there are restrictions on who gets to go to a hospital. There has to be.
No one has the money to pay for 24/7 medical care for everyone in the country. You need to grow up and realize that.
And you can quit trying to put words in my mouth.