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Politics : A US National Health Care System? -- Ignore unavailable to you. Want to Upgrade?

To: Lane3 who wrote (41423)	3/10/2017 9:19:50 PM
From: John Koligman	Read Replies (1) \| Respond to of 42652

"Too early to get so exercised over it." Sorry, I have a hard time believing that the R's will be able to get comprehensive insurance cheap enough for those who need it at the bottom of the income scale to be able to buy it with the R's credits as opposed to the ACA subsidies.

To: Lane3 who wrote (41423)	3/10/2017 9:52:20 PM
From: John Koligman	Respond to of 42652

As an example for you, here is what two 60 year old buyers with an income of $31,000/year in the Chicago suburbs would pay for a silver Blue Cross plan with a deductible of $500 per person and a max out of pocket cost of $1500 per person per year. This plan has copay and deductible assistance due to the income level. Subsidy is approx $1300/month. That would be roughly halved under 'RyanDontCare', while the cost of the plan would go up as the insurance companies would be allowed to charge 5 times instead of the current 3 times that of a younger buyer.... Also, the deductible and copay assistance would go away. Cost? Maybe $23,000/year with an 8k credit(and higher deductibles/out of pocket costs). Blue Cross and Blue Shield of Illinois · BlueCare Direct Silver? 102 with Advocate Silver HMO Plan ID: 36096IL0950009 Estimated monthly premium $216.83 Was: $1,522.02 Deductible $1,500 Family Total Out-of-pocket maximum $4,500 Family Total Copayments / Coinsurance Emergency room care: $600 Copay before deductible/20% Coinsurance after deductible Generic drugs: No Charge Primary doctor: $20 Specialist doctor: $40

To: Lane3 who wrote (41423)	3/10/2017 11:33:55 PM
From: i-node	Respond to of 42652

As strange as it sounds I wish they would take input from the customers about what they want and address their concerns. The idea of covering every little problem seems ridiculous to me. One of the good benefits of my ridiculously priced insurance is that I pay essentially nothing for my medications which I believe would run $800/month or more without insurance. But I can imagine others on the same policy who don't need all that medicine. This really isn't a risk management function for me or for them. We know what our situations are. I've been on essentially the same meds for a very long time and I doubt that is changing. I'm not convinced there isn't a better way. How about a "point" system? Or policies for those using concierge practices? Standalone cancer and spine treatments that contract with facilities directly? Lots of different possibilities that I imagine could save money.