Trumpcare

[jfrog]

I am hearing promises that Trump will keep the preexisting conditions mandate of Obamacare.

It is this mandate that is the biggest problem with Obamacare. This mandate was to be kept in check with the insurance tax to force people to buy insurance.

If the preexisting condition mandate is kept as law but its support mechanism is dropped then this will only accelerate the destruction of health insurance as we know it.

The reason for this is that you cannot guarantee insurance to people that are costly to insure without raising the price of insurance. A higher cost on insurance lowers the number of healthy uncostly people that will take insurance. It's a feedback loop that ends in the destruction of health insurance as it's currently known.

I believe this is planned by Trump and or his advisors. It's to usher in catastrophic health insurance and health savings plans. I'm not sure I'm prepared for such a plan, but I'm not sure it would be a bad thing.

[aegsm76]

In some regards, I differ from my conservative compatriots on health insurance.
I believe that health insurance should be available, on an "affordable" level to every citizen.
I also believe that the government should be totally out of the healthcare business, except for paying a portion of the coverage for every citizen that opts to take insurance.
This would eliminate the artificial price controls put in place on medical expenses and let the market control the supply and demand.
Much more I could say here, as I have spent many years in different aspects of the healthcare field.

[Amanah]

the preexisting condition mandate can be kept in the plan, but it will have an additional cost then for people who don't have a preexisting condition.

[n david]

Originally Posted by aegsm76

In some regards, I differ from my conservative compatriots on health insurance.
I believe that health insurance should be available, on an "affordable" level to every citizen.
I also believe that the government should be totally out of the healthcare business, except for paying a portion of the coverage for every citizen that opts to take insurance.
This would eliminate the artificial price controls put in place on medical expenses and let the market control the supply and demand.
Much more I could say here, as I have spent many years in different aspects of the healthcare field.

Would it be wrong to say you like obamacare, but believe it should be more affordable?

[jfrog]

Originally Posted by Amanah

the preexisting condition mandate can be kept in the plan, but it will have an additional cost then for people who don't have a preexisting condition.

Not if those people without preexisting conditions refuse to buy insurance that is overpriced to them compared to the benefit it provides. This is what will happen.

The preexisting condition mandate and tax for not having insurance are handcuffed together. There has to be some mechanism for forcing people without a preexisting condition to buy insurance that is overpriced for them compared to the benefits it provides.

[jfrog]

Originally Posted by aegsm76

In some regards, I differ from my conservative compatriots on health insurance.
I believe that health insurance should be available, on an "affordable" level to every citizen.
I also believe that the government should be totally out of the healthcare business, except for paying a portion of the coverage for every citizen that opts to take insurance.
This would eliminate the artificial price controls put in place on medical expenses and let the market control the supply and demand.
Much more I could say here, as I have spent many years in different aspects of the healthcare field.

Health insurance should be available and affordable. But you are not explaining how health insurance can ever be available and affordable when expensive preexisting conditions must be covered.

I believe insurance should be affordable both to the people and the companies. It takes both. It's a partnership.

[n david]

Originally Posted by Amanah

the preexisting condition mandate can be kept in the plan, but it will have an additional cost then for people who don't have a preexisting condition.

Why should I have to pay extra for others who have a pre-existing condition? As Jfrog posted, I'd be inclined NOT to buy that type of overpriced insurance.

[Amanah]

it will have an additional cost for the people who have the condition than for the ones who dont

[jfrog]

Originally Posted by Amanah

it will have an additional cost for the people who have the condition than for the ones who dont

That's not what is currently meant by covering preexisting conditions.

It means they pay the same as people without them.

This idea in itself would fundamentally change the preexisting condition mandate. It would no longer be the same thing.

[Amanah]

I'm not talking about what is currently meant, I'm talking about what could be an option under trumpcare