(1) If Insured, a company cannot drop you if you have an illness.
(2) If Insured, a company cannot raise your rate more the average of the raise of all it's other policies.
(3) If Insured, if a company finds a mistake or false-hood a company cannot avoid paying for illness not related to mistake or falsehood. If the illness is related, then the company can refuse to pay for illness. (e.g. if you find out you have cancer, lie about it, get a policy then the company can refuse to pay for all related issues, but if you cut your finger off with a handsaw, they would have to pay for it (if it was originally covered)).
Thursday, September 24, 2009
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(1) If Insured, a company cannot drop you if you have an illness.
That's already the case, its pre-existing conditions that allow companies to drop, and one can always find a pre-existing condition if one digs hard enough OR has lawyers who can fool a jury.
(2) If Insured, a company cannot raise your rate more the average of the raise of all it's other policies.
How does that help if they collude and all decide to raise rates as they've done in the past
(3) If Insured, if a company finds a mistake or false-hood a company cannot avoid paying for illness not related to mistake or falsehood. If the illness is related, then the company can refuse to pay for illness. (e.g. if you find out you have cancer, lie about it, get a policy then the company can refuse to pay for all related issues, but if you cut your finger off with a handsaw, they would have to pay for it (if it was originally covered)).
This will do nothing to bring costs down, it will probably motivate insurance firms to raise rates further.
If there is not a public option at the very least rates can only go up further, any reform without public option is a gift to the insurance industry, and we've been had once again and if Obama signs a bill without the public option he will lose in 2012 because the liberals will vote for someone else or not vote at all, this is how the left lost in France, Obama and the democrats better wake up and fast.
(1) see (3)
(2) If prevents rates from skyrocketing for an individual or company if they get sick. Rates should be able to rise to cover costs. If they raise rates too much across the board, they will lose business.
(3 These rules are meant to lower costs, just to address the abuses of the system.
The problem is the insurance companies control congress, all the Republicans and the right leaning Democrats, I don't think they control Obama, yet not sure, however assuming they don't control Obama, Obama can do little to pass new legislation without congress writing the legislation, as long as insurance controls congress, health insurance will suck in America, it is very simple to understand , because private health insurance is not there to cover risks but to make a profit, less risk = more profit, because they control congress they control the rules regulating them, for example 50 page policy papers that nobody can read or understand unless they're an insurance lawyer, thus the insurance companies have the choice to cover only low risk high profit consumers. The only weapon the people have against this is to vote left leaning democrats into every seat of congress yet the people are too brainwashed to do this because the right screams communism and people get scared.
You should be smart enough to see through these ruses, you are not rich, so your health care costs matter, why do you promote wanting to pay more for shakier and shakier coverage...why don't you want a system like in France, Japan, Taiwan, Germany, the UK or Canada that has worked well for 30 years? Even Costa Ricans now have better health care than Americans! What is your motivation for protecting rich insurance execs who just want to screw you further? This does not make common sense?
Since I am not rich and would financial benefit from being on the government dole, and am smarter than you, why do you think I am not in favor of the proposed changes. Try to use logic instead of "you are brainwashed".
I don't understand your response, are you in favour of getting rid of the health insurance industry all together, like in Germany and Scandinavia or limiting it to a small role like in France, or letting it have a big role but heavily regulating it so it can't gauge the people like in Switzerland or letting it have the only role for people under 65, and letting it be totally unregulated like in the US allowing it to constantly raise premiums year after year and deny coverage when they can get away with it legally.
It seems to me you are brainwashed if you don't want single payer or as close as you can get to it, because I don't see how you can not want lower costs and better health care, unless you've been brainwashed?
Simple things that can bring down costs of insurance.
(1) Tort Reform.
(2) More fraud investigators (for government) and tougher criminal and civil penalties for fraud.
(3) Allow true competition in insurance market, don't make them offer benefits as deemed by lawmakers.
(4) Allow true competition by making doctors and hospital, etc. provide pricing lists on the internet.
Why didn't the Republicans do all these so called "conservative" actions when they had the power for so long, seems to me Reagan was the one who deregulated the private insurance industry that made them the power they are today?
Did you know health insurance companies buy than close down hospitals so people get less care or have to travel farther to get it. They've bought and closed hundreds of hospitals reducing choice in order to increase profits, how does that benefit the people?
(1) I doubt you can name any Regulations that were eliminated under Reagan.
(2) If two hospitals in the same area are not making money, that means you have an oversupply. Which means you cannot maintain the building and/or services. So after awhile, instead of one good hospital you have two bad ones.
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