C
Chris
Guest
Just curious on your thoughts of how we can fix our healthcare system and make it more affordable for the masses?
Back in January my health insurance premium went up to almost $1700 a month for my family and I. I am 37, my wife is 29 and I have a 4 and 2 year old, thats $20,400 a year before deductibles and copay's. We have a 6500 Deductible. So no matter what happens to any of us we are out 27k before they pay anything. That is a lot of money. We decided that we would let our insurance lapse and pay cash for any doctor visits like we used to. It is a gamble if anything major happens but right now we can't afford the extra.
Personally I was better off before the ACA came around. I know that in order to give more people free or very low cost health care that others that pay more into the system like myself will have to help with this burden but I think it has been getting out of hand. At what point is it stealing from the working class to give to others? Four years ago a family plan cost me about 400 bucks a month and any extra kid was free and I had low copays, now it is more than four times that amount.
People say that we need to go on a system like Canada or the EU where we just get taxed more but healthcare is given to you but if you look at our government they haven't been able to run a succesful program yet so I am worried it would just be another failure.
Our problem is first the insurance companies are a business and businesses are in business to make profit. Second is our Doctors and hospitals are greedy and charge outrageous costs for anything they do or touch. Then you have our government which is also greedy and in business to make a profit and charge several times over for anything they do because of all the people that need to get paid off before the program even see's any tax money. You add them all together and you have the ACA. You force a private insurance company to cover any and all people and they will but they aren't gonna do it cheap and they also are taking advantage of this same situation.
Personally I think our only hope now that we have gone as far as we have and we can not just cancel policies of all these people that just got their free insurance that we need to open the borders and let people buy insurance from any other state. Make as much competition as possible and that will drive down prices. It's either that or let the government fully run it but I don't see that going good.
What are your thoughts? All I want is my affordable health coverage back.
Back in January my health insurance premium went up to almost $1700 a month for my family and I. I am 37, my wife is 29 and I have a 4 and 2 year old, thats $20,400 a year before deductibles and copay's. We have a 6500 Deductible. So no matter what happens to any of us we are out 27k before they pay anything. That is a lot of money. We decided that we would let our insurance lapse and pay cash for any doctor visits like we used to. It is a gamble if anything major happens but right now we can't afford the extra.
Personally I was better off before the ACA came around. I know that in order to give more people free or very low cost health care that others that pay more into the system like myself will have to help with this burden but I think it has been getting out of hand. At what point is it stealing from the working class to give to others? Four years ago a family plan cost me about 400 bucks a month and any extra kid was free and I had low copays, now it is more than four times that amount.
People say that we need to go on a system like Canada or the EU where we just get taxed more but healthcare is given to you but if you look at our government they haven't been able to run a succesful program yet so I am worried it would just be another failure.
Our problem is first the insurance companies are a business and businesses are in business to make profit. Second is our Doctors and hospitals are greedy and charge outrageous costs for anything they do or touch. Then you have our government which is also greedy and in business to make a profit and charge several times over for anything they do because of all the people that need to get paid off before the program even see's any tax money. You add them all together and you have the ACA. You force a private insurance company to cover any and all people and they will but they aren't gonna do it cheap and they also are taking advantage of this same situation.
Personally I think our only hope now that we have gone as far as we have and we can not just cancel policies of all these people that just got their free insurance that we need to open the borders and let people buy insurance from any other state. Make as much competition as possible and that will drive down prices. It's either that or let the government fully run it but I don't see that going good.
What are your thoughts? All I want is my affordable health coverage back.