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Subj: I did not post a link...
Posted: Thu Dec 21, 2017 at 08:29:33 am EST (Viewed 523 times)
Reply Subj: Well your link said this...
Posted: Wed Dec 20, 2017 at 08:12:03 pm EST (Viewed 465 times)
Quote:More high-deductible insurance plans and increases in the percent of health care costs borne by consumers also contributed to the slower rate of increase, said Micah Hartman, a statistician in CMS' Office of the Actuary. The more people have to pay for health care treatment out of pocket, the less they tend to use.
Quote:So to clarify maybe it wasn't the rate.
So maybe it wasn't the rate...but the cost was much higher.
Basically...the PEOPLE had to pay more when they needed to use it.
costs borne by the consumer,
Which I think is a fair point but to date none of the plans really have addressed the deductible problem. In fact the GOP alternatives generally take the approach of decreasing premiums by increasing deductibles.
I think it is important to note the why question though. And that is the point people can debate.
I think this article sums up the pros and cons fairly well in many respects. Although one still has to keep in mind that all insurance is by nature more expensive now because it is more expansive.
Some disagree with that, however it is generally better for unexpected consequences to have coverage for more than less things. Some will disagree with me, but it is important to note that deductibles are high, co-pays are high and that prescription drugs are high. The later is also the fault in part by other regulatory and legislative decisions and actions.
Much more can be done in all of these areas for sure. They never will be done. And at the moment the alternative is apparently to flip back to before ACA. Meaning more people will just not have anything, premiums go up faster and insurance covers less.
The whole thing did a fair bit of good even if it did have its downsides. I have yet to find a piece of major legislation (in my life anyway) that has made everybody happy in every way. Just never going to happen. And there were honestly a ton of things to do differently with the ACA, but it will never happen. And what we will end up with would likely charge people even more. Particularly those that are sick.
Recall that the GOP plans for the most part often had those that were sick in the loser category for the potential laws. They were only good for people that were already healthy and did not need much healthcare.
Until we have actual reform of some things in the healthcare system the cost to consumers through whatever mechanism will keep going up at a very high rate.
Look Raist bunnies...
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