So are these states lazy or do they seriously want to prevent people from getting health coverage?

not that i've read the 2000 page bill, but it's no surprise really. how the heck are they supposed to pay for it?

meanwhile, private insurance companies are drooling over the record profits (on top of the already huge amount of profits they make) they're on track towards getting

>>825621
>So are these states lazy or do they seriously want to prevent people from costing them even more money?

here's a little copypasta that i think is relevant ______________________________

The people pushing for the elimination of restrictions on pre-existing conditions are out of their minds. Why? Well, let's put the concept in another frame. Let's say you own a house. But you don't want to waste money on fire insurance because you think your house will never burn down. But one day something happens and your house does catch on fire. While it's burning to the ground, should you be able to call up State Farm or Allstate and demand that they sell you fire insurance and give you a new house? Of course not, that's silly.

But wait. People should be allowed to skip out on buying health insurance until they get sick, and then be allowed to buy it without any kind of penalty or restriction? Didn't we just say that concept was silly?

Here's how the system works: by buying a policy for, let's make the numbers nice and round, $1000 dollars per year. You and everyone else with that policy are sharing the risk with each other so no one has to pay a million dollars if they get, let's say, cancer. You are making an investment. You realize that it is better to pay $1000 per year for 30 years than it is to pay $30,000 at once for a few days in a hospital.

Now, the system works and remains profitable because the company does extensive statistical research and can predict with a good bit of accuracy, the chances of you, the potential buyer, getting sick, injured, or dying. For example, if you are a single male between the ages of 16 and 24 your chance of dying in automobile accident is astronomically higher than that of an equivalent female dying in an automobile accident. So your rates for car insurance are considerably higher than a woman's. Likewise, women have a life expectancy that is roughly 8 years longer than me. So life insurance for a woman is as cheap as a man 8 years younger than her. That's not discrimination, that's statistical facts being applied.

There is another principle of insurance that says the people who need insurance are the most likely to seek it out. In other words, if you just found out you have cancer, you will suddenly go looking for life insurance. Why? Because you're going to die. However, these so-called "reformers" are claiming we should accept everyone equally, and charge everyone equally, regardless of health history and statistics.

Now here's the fun part. All that statistical data and rating people high and low exists for a reason. It's so we can charge people cheap rates if they deserve it. To accept sub-prime applicants, we have to charge them more, or their bills will cut into the bottom line, and we have to raise everyone's rates. Or else we go out of business and then no one gets any insurance at all.

So what does that mean? It means that if everyone is getting changed the same, it means we cannot bring the unhealthy people's rates down to match the healthy people's rates. It would cause the system to financially collapse. So all those healthy people have to start paying the extraordinarily high rates of the unhealthy people.

So a man who is 25 years old, is 5'11", 170 pounds, and places in the top 5 of the New York Marathon will now have the insurance price of a man who is 64 years old, is blind in one eye, has Type II diabetes, COPD, a missing lung from a cancer operation, and full blown AIDS. Everyone will have the rate of the 64 year old man.

Do you know what it costs to insure that man? If you could find a company to write health insurance for him, take a wild guess what he would pay a month. Now imagine you have to pay that much every month.

>>825655
didn't go in to how they're trying to normalize rates so that the people with higher rates (now) because of their own problems are going to have similar rates to those who have managed their health (or lucked out genetically).

It's a shame that some people should have to pay more because of these factors that may not be their fault. But there's no obligation for anyone to deliver happiness.

>>825629
>So are these states lazy or do they seriously care about money more than they care about the health of their citizens?

>>825655

>The people pushing for the elimination of restrictions on pre-existing conditions are out of their minds.

Insurance companies routinely retroactively deny coverage to people who have been paying thousands of dollars over many years. Now why did they consider these people a manageable risk beforehand, but all of a sudden consider them a non-manageable risk once they get sick? Now THAT'S not how insurance is supposed to work.

>>825677
>Because the whole state should go bankrupt or have higher taxes because of the people with pre-existing conditions.

Subsidizing the unproductive on the backs of the productive or going bankrupt trying to insulate them from it. Sounds like a great choice amirite?

>>825667
the thing about obamacare is that it did very very very little to address actual health care costs. and bad is going to easily outweigh the good, and make health insurance more expensive for the majority of the population. we're already seeing the health insurance system collapse in massachusetts under romneycare.

it just pisses me off that the fattest nation on the planet thinks they can have their cake and eat it too.

>>825697
that's not even the same thing...

>ITT: People who forgot about the mandate that everyone purchase health insurance.

hey man, it's all about the math and making the profits amirite.

srsly, can't we just pay the hospitals directly? a middle man isn't really needed that often in business today, and it certainly isn't needed for life and death health issues

>>825719
I've been making topics about that for some time.

>>825708
>implying that I forgot that I'll be forced to pay for higher priced insurance because of the partisan abomination that was rammed down our throats.

>>825733
because that would mean publishing prices and allowing the market to get involved. This way, we always have a middle man to demonize for the price even though it has shit all to do with anything.

Man I sure do hate those evil corporations, it's a good thing Obama outlawed their shitty practices and allowed us to get on a different plan and not be forced to deal with them anymore.

Oh, wait...

>>825733
well back in da day health care was really cheap, and you just bought health insurance for really extreme shit if you had some extra dough laying around.

we've been on a slippery slope for a long time, due to many many many factors. some political, some economical, and some cultural (mcdonalds)

>>825756

Bump for truth.

>>825734
>rammed down our throats

Republicunt parrot detected

>>Alabama, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Louisiana, Minnesota, Mississippi, Nebraska, Nevada, North Dakota, South Carolina, Tennessee, Texas, Virginia and Wyoming


>>All backwater hick states with Nevada being only possible exception

BWAHAHAHAAAAAA

I'm OK with this.

let all the retard states refuse to give out basic care. That way we can have statistical evidence of their dumbfuck status when those states have the highest mortality retaes below the average life expectancy.


>>HURR DURR SOCYALASM FAUX NEWS TOLD US SO DURR