Posted by bad_luck on 3/19/2014 5:53:00 PM (view original):
Posted by MikeT23 on 3/19/2014 5:25:00 PM (view original):I think everyone has agreed previously that the biggest problem with health care in America is the out of control costs. Hospitals charging $16 for ibuprofen , for example.
Posted by bad_luck on 3/19/2014 5:01:00 PM (view original):And, when their costs go up because a lot more people are going to the doctor and discovering they have medical issues, what do you think insurance companies do?
Posted by MikeT23 on 3/19/2014 4:56:00 PM (view original):Health insurance premiums are subsidized for low income people by the government. The actual medical care is still paid for by private insurance companies.
Posted by bad_luck on 3/19/2014 4:50:00 PM (view original):For ****'s sake, you're like a child begging for someone to pay attention to them. Will the ACA be subsidized by the government?
Also, why do you think medical care provided to non-retirees is "funded by the government?"
A) Say "Damn. Our days of making money are over!!"
B) Increase premiums
C) Restrict payment amounts for services rendered
D) B and C
Now assuming they do B, where does that money for the higher premiums come from?
Now assuming they do C, what do health care facilities do?
A) Say "Damn. Our days of making money are over!!!"
B) Refuse that form of insurance.
IMO, it's silly to believe insurance companies and medical facilities are going to take a huge cut from their bottom line for the "well-being of the people". Do you disagree?
Hospitals aren't going to voluntarily destroy their inflated profit margins. And individual consumers certainly don't have the leverage to push prices down. That leaves two options: the government or health insurance companies.
I don't think anyone wants the government jumping in and setting prices. Unless you do?
So that leaves health insurance companies. The ACA bands them together. They are limited in how much they can increase premiums. The only option they have is to apply pressure to providers to lower costs.
Sure, some specialists may stop taking all health insurance, but that isn't an option for the vast majority of hospitals and doctors. So they will have to control their costs.
ACA does nothing to control costs. It simply subsidizes insurance for those who can't afford it.
Heath insurance companies will not be able to force doctors/hospitals to lower costs. They can, however, say "We're only paying this much for an Advil. If you insist on charging that much, collect it from the patient." Now said patient is being subsidized for their health insurance. So are they going to be capable of paying the additional amount? If they're not, what is the option for the HC provider? Refuse that insurance.
There will be HC/insurance providers that aren't under the ACA or, if nothing else, part of the ACA as the super duper double platinum plan that only a select few can afford. So where does that leave healthcare? Pricey, as it is, and less than stellar for those who can't afford it. Kinda like it was before the ACA.
I think you'd be surprised at how many doctors will be able to turn away the cheapest of the health insurance coverages.