C
Chris
Guest
We all have the same fair opportunity to better ourselves. Life is what you make it. I've been on most levels of it and have seen.
We all have the same fair opportunity to better ourselves. Life is what you make it. I've been on most levels of it and have seen.
That is my point. Every one will have a different idea of what fair is.
So why aren't you a billionaire?
With a billion $$ you could buy all the aspirin and Zoloft you need.Don't want the stress and headache.
Can I "like" this a couple more times?OK here's my 2¢. I think we need to remove the profit motivation from the equation, both from insurance and from providers. I also have something of an issue with a hospital CEO or an insurance CEO making tens of millions of dollars, they're not worth it. Reduce it and pay the people that actually do the work more. Transparency in cost is another major issue. If your doctor orders a test for you just try to find out what the cost will be. Its like a snipe hunt. We're told we're bad because we don't check costs but that's bull. My doc ordered a stress test for me 3 weeks ago and I'm still waiting to get approval from the insurance company. One place told me the test was $900 while another within 1 mile told me it was $5600. What's up with that? When I call for a price on a procedure the provider should be required to quote a price instantly within +/- a percentage (10%?). No other industry hides the cost from the consumer like the medical industry. I also have trouble rationalizing that the cost of your health insurance and the cost of your medical treatment is directly linked to the returns that some anonymous shareholder is expecting.
Now on the cost increases since the ACA came about. Insurance cost have been going through the roof for far longer than the ACA has been around. The facts say that the rate of increase has slowed considerably under the ACA, on average. There are locations though where that is far from the truth. Also the policies that are required now are different than before the ACA. No caps on lifetime benefits. Preventative care is paid 100%. Kids can stay on your policy until age 26. No pre-existing condition refusals.
Now to the OP, these are all things that contribute to increasing costs. Now look at the old system. Let's say your business had a really bad year and you dropped insurance for a while to get by and make ends meet. If you or a family member got seriously ill before you signed back up you would never get insurance again period. And this was true for employer plans as well. If you had a pre-existing condition the company would have to fight with the insurance company to get you coverage. I saw it more than once with my employer.
And one last thought. People gripe about paying for people that get free coverage. I look at it this way. What cost more? Person A receives totally free insurance from Medicaid or something. Person B has no insurance at all.
So what cost you more, when person A gets a nasty case of the flu and goes to the doctors office to get checked out and treated, or person B that just goes to the ER (the highest possible cost) for the same thing? You will still pay for either person whether you like it or not.
Socialism be damned..........and Capitalism be damned............and politicians be damned!
Each and every one of you has to ask yourself what you value more.. a few extra dollars or the well being of your fellow man.
Sure you can be charitable to your neighbor because you know he's a hard working guy who had a bad break. But how many of you can cough up $20K - $100K when he gets cancer? We need to have a healthcare system that can cover that kind of illness without a Gofundme page.
We need a healthcare system that will offer preventative care to some poor person who gets exposed to ebola or zika, without regard to income.
The ACA may not be perfect, but it solves many problems which were present in the unregulated healthcare system. Things you may have forgotten about even though they are only a few years ago.
You want to improve it? Fine, You want to change it's name? Fine. But do you think that Trump(don't)Care fixes this?
I'm going to go back a few posts and agree with us needed to get rid of the government health care program. Not the aca but the program that everyone in government is on. All the way down to the local government level. None of these people have any clue the reality that we are talking about. They are on a great plan that is affordable and covers everything they need. Once they are in my shoes of trying to figure out why it is costing them another mortgage to have something they don't use then they might think about an actual fix.
Last year it cost me. 20,600 dollars to see the doctor one time for a prescription of ibuprofen because of my bad back and they couldn't even give me a drug that works because they are afraid I'll become an addict. Almost 21k for a bottle of motrin. Tell me how that is fair to me? Or am I the exception? Should I feel good because I helped someone else get their care for free or should I be upset because I paid a mortgage while they paid nothing? Where is their incentive to better themselves when they know that if they do and make more money it will be taken away.
I just did my taxes and because I budgeted properly, didn't buy anything new for my company and paid off old debt I was rewarded with a higher tax rate of 38%. How many of you paid 38% of your income to taxes before having to pay this second mortgage of health Insurance?
God bless 'ya, Bud, and I hope you're always lucky enough to stay on the bright side of that lucky break. The kind of break where some low income guy with the flu who is driving to the ER because he can't get into a doctor's office doesn't sneeze or get dizzy and cross the lane right in front of you. The kind of a break where you're on vacation in Florida and happen to get a mosquito bite that turns out to carry Zika because there was no money to fight the spread of infection. The kind of break where the only hospital within a hundred miles of Erie doesn't close because of unpaid bills.
Sometimes the repayment for money spent is not a direct transaction.
Remember Milton Freeman was just a guy with a theory and Atlas Shrugged is just a science-fiction novel.
I think I fall into the category of the ones that get hit the hardest. I am self employed and on paper I make good money. Remember on paper, all those big numbers never reach my pocket book.
All that money I spent on my company only gets a partial write off depending on what I spend it on. I then learned that if I spend it on things that are truly important and not just buying new crap I don't need the tax rate goes up. Paying off old debt is also pass through income so paying 30k towards paying off an old loan is considered income like I put it in my pocket so not only do I pay the 30k to finish a loan I also get to pay 38% of that to the government because that could have gone in my pocket.
When all said and done I take home as much as any other full time worker with a decent job and on top of that I loose the child tax credit and I can't write off my child care and a few other things because that pass through income puts me in a different bracket which also raises my tax rate because now I am somehow making all this money. I then get a tax bill for more money than I actually paid myself. I have learned a lot about how our government runs by running my business these last 9 years and that is why I am throwing in the rope now. There is no love for someone trying to make something of their life by starting a business.
At this point in my life you can't tell me that I need to think about my fellow man and his free health care when my government does nothing to encourage me to continue moving ahead except try and suck any bit of money I might have made every year.
Fire your accountant.
Fire your accountant.
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