Someone made a blog about HR 3200 (the healthcare bill) and I replied. It was long and they might delete it, so I am making it a blog.
“With all this talk about healthcare reform, I decided I would take some time to address my issues with the proposed plan HR 3200. To begin, I urge you to write your congress person and tell them how to vote, whether you agree with me or not. The issue is, if you want to see change, you can’t sit back and wait for it to happen, you have to actively seek change. “
You get almost everything wrong.
“I think that Healthcare Reform is necessary. However, I think that making a public healthcare plan available is not a good option to solve the Healthcare situation. To begin, America was founded on capitalist principles. This means people do things for monetary gain. That being said, these principles of capitalism do not exclude the Healthcare Industry. The Healthcare Industry is a business, and is concerned with making money. It’s not a not for profit organization. This industry exists by making a profit. Would you expect to go to store and expect free food or free clothes because they are essential to living? Of course not!”
The difference is that the clothing store makes money the more people it clothes, and the health insurance company makes more money the more treatments it denies. The cash incentive is against treating people, and as such they deny about 1 in 5 insurance claims and about 50 americans a day die because they can’t get healthcare and 60% of bankrupcies are caused by unaffordable medical bills. It’s bleeding our country to death and you’re defending it because it makes money so it must be good.
“You understand that the store is a business and does not give out free meals and clothes. In the same way, healthcare is a business. So why in the world would it need to be free?”
It doesn’t. It just needs to be fair. We pay twice as much money to insurance companies as it costs to maintain our health and they turn people down for life-saving treatments. Not so they can make ends meet, but so the CEO can have his own island when he retires. They are making multi-billion dollar profits and refusing to pay for life saving treatments.
And you’re fighting for their side.
“Through this blog I hope to outline some of the problems with HR 3200. “
Actually you distort it out of all recognition.
“First, every company would have to charge their employers a tax for healthcare insurance.”
I’m not sure how companies can charge their employers taxes, but okay…
“This means families with two parents working would be double taxed for health insurance for themselves and their families without receiving better coverage. Every working person would have to buy into government insurance policy whether you accept public insurance or not. If you choose not to take the insurance offered by the HR 3200, you still have to pay a 2.5% tax on it as an incentive to get covered by HR 3200.”
No, the only place in the bill the number 2.5 exists is a section saying that your employer has to pay 2.5% of their profits to provide their employers health insurance if they don’t provide them any health insurance at all, or their insurance does not comply with the law. ALL pre-existing health insurance policies are considered “grandfathered” and are exempted from this section, so if your employer offers health insurance at all prior to this bill being enacted, they have to pay nothing.
“Companies would be charged a 2-8% income tax if they do not offer the public option. This means no matter who you are, whether you want health insurance or not, you have to pay in to the system. “
No, they would have to pay between zero and 8% (not 2 and 8) of the employees’ average pay to allow their employees to get health insurance only if they give their employees no health insurance at all. Small businesses that make under a quarter million dollars a year are exempt, and it goes up from there on a sliding scale – not to mention that small businesses just got a tax cut so they shouldn’t be complaining.
“Furthermore, only about 11% of Americans don’t have Health Insurance and a majority of that 11% does not have it because they just choose not to do so. Last I heard, America is about liberty. People should have the liberty to buy whatever health insurance policy they want (including the choice of no insurance), not be forced to buy in to what HR 3200 offers.”
No one is forced to pay into HR3200 you dishonest person. And most people who have no insurance can’t afford it or have pre-existing conditions. I say we let them die. I mean why take away their right to die, right?
“The plan would eliminate private insurance because it would have to conform to government standards, while government insurance would have no profit motive and unlimited capital – yours taxes and mine.”
Also a lie. The only part that is taxpayer subsidized is the part that insures those who cannot afford to pay for insurance of any kind who aren’t exactly making the insurance companies a lot of money. Everyone else who opts into it pays premiums like any other insurance policy. If they don’t like it, they don’t have to pay into it. The public option no more has “unlimited funds” than regular insurance companies do.
“Obama even said that in a decade he hopes there would be no need for private insurance.”
Most likely this is a distortion, but you don’t cite a source so I can’t see for sure.
“Furthermore, it makes employers auto enroll people into the public insurance plan. Whatever happened to choice, at least now we have some. “
Nope, totally made up. This is why she doesn’t cite sources for any of this stuff or quote the bill.
“This plan will go into action in about ten years and will cost more than a trillion dollars to enact.”
Three years* and 80 billion a year. It has the potential to lower the nation’s healthcare costs by hundreds of billions of dollars a year, not to mention that we are already paying a lot more than 80 billion a year in inflated healthcare and insurance costs because of everyone who goes to the ER and can’t pay the bill.
“This means it’s coming out young people’s pockets, and I am NOT okay with that.”
It already is lady, and you’re apparently totally okay with it.
“The people arguing about this in Congress won’t have to worry about the amount of money that will be spent on insurance because it won’t affect them as drastically as it affects people in my age bracket.”
What? Why will it affect you more?
“I am going to have to pay for my representation’s mistakes, and I am not fine with that. An aside, Congress people and the President also get a different plan. Why should they be determining your fate, when they don’t get the same fate?”
The same “fate”? So you think they should take everyone in the government off of the private health insurer’s accounts overnight? I thought you were pro-insurance company.
“Provisions within HR 3200 include a commissioner who will be appointed to decide whether a person will get treatment.”
No, they will run the program you horrible lying person.
“I don’t know about you, but I’m not fine with my fate resting on an appointed official. I’m not even okay with this position to be an elected official.”
Then move to another country.
Seriously? Are you that naive?
“At least with insurance you can appeal if they don’t initially accept your claim. What the commissioner decides is gospel, there is no appellant process.”
No appellant process? It’s the US court system, the same system you use to squeeze money out of the insurance giants. Wtf? And the whole point of a public option is that it covers everything.
“Of course, under the commissioner would be thousands of people working for him to help aide in the decision process (at a significant cost and providing no value to your medical needs), but when it comes down to it, the commissioner has the final say on what benefits, surgeries, and treatment you can receive. Letting the government decide whether you get chemo or aspirin to alleviate pain is a terrible idea. The worst thing about the commissioner is that the commissioner rations healthcare. “
HEALTH INSURANCE COMPANIES RATION HEALTHCARE. They deny payment for 1 in 5 procedures and kill thousands of people a year you moron. This is just paranoid nonsense.
“While I’m not okay with paying for other American’s healthcare, I’m for sure not okay with paying for Non-americans to be treated. HR 3200 lets this happen, even though it issues a National Healthcare ID Card. The problem is, people don’t have to produce this card, which means basically anybody can get treated, and in turn I have to pay.”
Anyone can be treated for emergency care. This is not something created by this bill, you are just pretending it is.
The bill states:
“Nothing in this subtitle shall allow Federal payments for affordability credits on behalf of individuals who are not lawfully present in the United States.”
“HR 3200 allows the government to have access to your electronic funds. What business does the government have to go into your funds? How could this possibly be a good idea? The government meddling in your bank account is invasive and not constitutional. The government has access to all American’s financial and personal records. Doesn’t this destroy privacy? “
Where does it say this? And the IRS can already look at your financial records you stupid, stupid person.
“The government also decides how much money a doctor can make. Regardless of the doctor’s specialty, they will have an already set income.”
No, they will have a set rate of reimbursement for a procedure like ANY insurance company has you nimrod. The government isn’t dictating their annual salary.
“Furthermore, doctors can’t invest in healthcare companies. This seems a little bit meddling. “
Um, no. It just says that hospitals have to report what doctors are invested in them and sets up regulations to avoid insurance fraud.
“There are probably more arguments for and against HR 3200, but these are mine for now. Really, what needs to be reformed is private insurance.”
You’re against that too in this blog…
“Why create another government failure, furthermore a government failure that gets to decide whether you live, whether you receive treatment or medications, and that is going to throw us further into debt. Empirically, public healthcare has not worked, why would it be any different if the United States tried it? America needs to stick to its Capitalist roots and needs to reform private health insurance. The United States shouldn’t recreate a system when we have a system that is not fully broken. “
You are not bright. Public healthcare does work, it doesn’t deny treatment and seniors with medicare are happier with their insurance than people with private insurers. So far as it driving us into debt you’re not very good with math.
“What do you think about HR 3200?”
I just told you.