https://www.wsj.com/articles/how-to-comp...mail_share

Phil Gramm's approach:
"...There are two ways to restore Americans’ freedom to buy health insurance independent of ObamaCare. First, HHS should grant waivers to states that want to let private insurers offer state-approved plans exempt from ObamaCare’s coverage mandates and rigged risk pool, enabling these states to expand health-care freedom inside their own borders. Second, Congress should amend ObamaCare to permit insurers to sell individual policies outside of the exchanges that are totally independent of ObamaCare regulations, which would dramatically increase the options available to every American.
Idaho is the first state to allow plans that stray from ObamaCare’s coverage mandates, and Blue Cross of Idaho has proposed five “Freedom Blue” plans outside the state exchange. The plans provide coverage similar to what is available on the exchange, but many are listed at about one-third the price because premiums are set to match individual health-risk profiles rather than subsidize the riskiest enrollees. The new plans also boost affordability by offering higher deductibles."

I should be allowed to assume as much risk as I am able to afford. If I can afford a $25,000 deductible?... then I should be allowed to buy a policy that has very low premiums..yet a super high deductible. The idea that Im getting value from the $677.00 per month policy I have now is absurd. I have not been to the doctor except for a yearly check up in over 10 years. Im actually more than happy to pay out of my pocket for my basic health care needs and simply have a catastrophic policy to cover me in case of serious illness.

(03-16-2018 12:49 PM)Fo Shizzle Wrote:  I should be allowed to assume as much risk as I am able to afford. If I can afford a $25,000 deductible?... then I should be allowed to buy a policy that has very low premiums..yet a super high deductible. The idea that Im getting value from the $677.00 per month policy I have now is absurd. I have not been to the doctor except for a yearly check up in over 10 years. Im actually more than happy to pay out of my pocket for my basic health care needs and simply have a catastrophic policy to cover me in case of serious illness.

XACLY!

within the masses, just think how those monies would've better utilized within the economy via personal spending or savings......naw, I know you git it....

it's expensive being poor.....until that check arrives.....

and most of the rich don't give a shite either way.....

however, the dippo side does now......their over-inflated USD lifestyle is getting ready to hit the curb and flatten all four tires.....just like it did during the internutz boom and during the housing collapse.....

that's all a service industry will ever generate....short term bumps with many suffering long term pain with zero skill set as the clock continues to tick-tock.....

the ones that work are sick of subsidizing those that don't.....the $$$ doesn't matter at that level until it cuts into the rationing of those that work.....

it's always been about creating #incentive......that is what too many don't understand....

(03-16-2018 12:49 PM)Fo Shizzle Wrote:  I should be allowed to assume as much risk as I am able to afford. If I can afford a $25,000 deductible?... then I should be allowed to buy a policy that has very low premiums..yet a super high deductible. The idea that Im getting value from the $677.00 per month policy I have now is absurd. I have not been to the doctor except for a yearly check up in over 10 years. Im actually more than happy to pay out of my pocket for my basic health care needs and simply have a catastrophic policy to cover me in case of serious illness.

The one reason why Obamacare came into place because of the health insurance companies raised the prices to priced out people who are on the lower end of the income brackets. This started back in the 1980s when Reagan past a law that hospitals should not turn people away because of income. That opened the flood gates in the hospitals to accept illegals who did not have health insurance, and for hospitals raise the prices on the health insurance companies that past the cost onto the policy holders which some could not afford it anymore. This idea for this plan is to bring us back to the same problems that we had in the 1980s until Obamacare came along. We need new ideas, and not these scam policies that Republicans want to force on this country.

(03-16-2018 03:22 PM)DavidSt Wrote:  

(03-16-2018 12:49 PM)Fo Shizzle Wrote:  I should be allowed to assume as much risk as I am able to afford. If I can afford a $25,000 deductible?... then I should be allowed to buy a policy that has very low premiums..yet a super high deductible. The idea that Im getting value from the $677.00 per month policy I have now is absurd. I have not been to the doctor except for a yearly check up in over 10 years. Im actually more than happy to pay out of my pocket for my basic health care needs and simply have a catastrophic policy to cover me in case of serious illness.

The one reason why Obamacare came into place because of the health insurance companies raised the prices to priced out people who are on the lower end of the income brackets. This started back in the 1980s when Reagan past a law that hospitals should not turn people away because of income. That opened the flood gates in the hospitals to accept illegals who did not have health insurance, and for hospitals raise the prices on the health insurance companies that past the cost onto the policy holders which some could not afford it anymore. This idea for this plan is to bring us back to the same problems that we had in the 1980s until Obamacare came along. We need new ideas, and not these scam policies that Republicans want to force on this country.

Force on the country? Only thing forced on the country was Obamacare. We need something that works fairly well for everybody. Obamacare is not that.

(03-16-2018 03:34 PM)200yrs2late Wrote:  

(03-16-2018 03:22 PM)DavidSt Wrote:  

(03-16-2018 12:49 PM)Fo Shizzle Wrote:  I should be allowed to assume as much risk as I am able to afford. If I can afford a $25,000 deductible?... then I should be allowed to buy a policy that has very low premiums..yet a super high deductible. The idea that Im getting value from the $677.00 per month policy I have now is absurd. I have not been to the doctor except for a yearly check up in over 10 years. Im actually more than happy to pay out of my pocket for my basic health care needs and simply have a catastrophic policy to cover me in case of serious illness.

The one reason why Obamacare came into place because of the health insurance companies raised the prices to priced out people who are on the lower end of the income brackets. This started back in the 1980s when Reagan past a law that hospitals should not turn people away because of income. That opened the flood gates in the hospitals to accept illegals who did not have health insurance, and for hospitals raise the prices on the health insurance companies that past the cost onto the policy holders which some could not afford it anymore. This idea for this plan is to bring us back to the same problems that we had in the 1980s until Obamacare came along. We need new ideas, and not these scam policies that Republicans want to force on this country.

Force on the country? Only thing forced on the country was Obamacare. We need something that works fairly well for everybody. Obamacare is not that.

The GOP should be able to pass something better...Oh wait, they tried too pass a catastrophe of a bill and failed.

Obamacare screwed the working middle class to subsidize the non-working welfare class. It's just a zero-sum game. Except that the IPAB and regulatory overburden will almost certainly make it a negative-sum game over time. There is no net gain anywhere. Bismarck would be a net gain. So why can't republicans get there? Damned if I know.

(03-16-2018 06:33 PM)Owl 69/70/75 Wrote:  Obamacare screwed the working middle class to subsidize the non-working welfare class. It's just a zero-sum game. Except that the IPAB and regulatory overburden will almost certainly make it a negative-sum game over time. There is no net gain anywhere. Bismarck would be a net gain. So why can't republicans get there? Damned if I know.

b/c their hands are dirty in it too.....it's the only logical explanation....

(03-16-2018 06:33 PM)Owl 69/70/75 Wrote:  Obamacare screwed the working middle class to subsidize the non-working welfare class. It's just a zero-sum game. Except that the IPAB and regulatory overburden will almost certainly make it a negative-sum game over time. There is no net gain anywhere. Bismarck would be a net gain. So why can't republicans get there? Damned if I know.

Im beginning to understand that there are forces in BOTH gangs that have no compulsion to do anything that would disturb their power and have zero ambition to do anything but line their pockets and increase that power. If that was not true? We would have Bismarck and a consumption tax paradigm. The fix is in and we are simply slaves on a comfortable plantation.

(03-16-2018 07:35 PM)Fo Shizzle Wrote:  

(03-16-2018 06:33 PM)Owl 69/70/75 Wrote:  Obamacare screwed the working middle class to subsidize the non-working welfare class. It's just a zero-sum game. Except that the IPAB and regulatory overburden will almost certainly make it a negative-sum game over time. There is no net gain anywhere. Bismarck would be a net gain. So why can't republicans get there? Damned if I know.

Im beginning to understand that there are forces in BOTH gangs that have no compulsion to do anything that would disturb their power and have zero ambition to do anything but line their pockets and increase that power. If that was not true? We would have Bismarck and a consumption tax paradigm. The fix is in and we are simply slaves on a comfortable plantation.

Yep, I think you're onto something.

(03-16-2018 07:37 PM)Owl 69/70/75 Wrote:  

(03-16-2018 07:35 PM)Fo Shizzle Wrote:  

(03-16-2018 06:33 PM)Owl 69/70/75 Wrote:  Obamacare screwed the working middle class to subsidize the non-working welfare class. It's just a zero-sum game. Except that the IPAB and regulatory overburden will almost certainly make it a negative-sum game over time. There is no net gain anywhere. Bismarck would be a net gain. So why can't republicans get there? Damned if I know.

Im beginning to understand that there are forces in BOTH gangs that have no compulsion to do anything that would disturb their power and have zero ambition to do anything but line their pockets and increase that power. If that was not true? We would have Bismarck and a consumption tax paradigm. The fix is in and we are simply slaves on a comfortable plantation.

Yep, I think you're onto something.

Owl...Our problem is that despite this type of gang mentality going on for decades...we used to have LEADERSHIP that could reign in this mess. We have NONE now. Just a few Barry Goldwater types in power would make a giant difference.

(03-16-2018 08:40 PM)Fo Shizzle Wrote:  

(03-16-2018 07:37 PM)Owl 69/70/75 Wrote:  

(03-16-2018 07:35 PM)Fo Shizzle Wrote:  

(03-16-2018 06:33 PM)Owl 69/70/75 Wrote:  Obamacare screwed the working middle class to subsidize the non-working welfare class. It's just a zero-sum game. Except that the IPAB and regulatory overburden will almost certainly make it a negative-sum game over time. There is no net gain anywhere. Bismarck would be a net gain. So why can't republicans get there? Damned if I know.

Im beginning to understand that there are forces in BOTH gangs that have no compulsion to do anything that would disturb their power and have zero ambition to do anything but line their pockets and increase that power. If that was not true? We would have Bismarck and a consumption tax paradigm. The fix is in and we are simply slaves on a comfortable plantation.

Yep, I think you're onto something.

Owl...Our problem is that despite this type of gang mentality going on for decades...we used to have LEADERSHIP that could reign in this mess. We have NONE now. Just a few Barry Goldwater types in power would make a giant difference.

I don't know about 'all' that....

DJT has kicked them (msm included) all of them in the nuts where the issues really matter.....

Jim Jordan and Rand are pretty solid as I view from my chair....they're a nice checks and balance.....

Pence is playing his role perfectly to date.....

#DJTexperiment

there simply wasn't another viable option in relative terms....

(03-16-2018 03:22 PM)DavidSt Wrote:  The one reason why Obamacare came into place because of the health insurance companies raised the prices to priced out people who are on the lower end of the income brackets. This started back in the 1980s when Reagan past a law that hospitals should not turn people away because of income. That opened the flood gates in the hospitals to accept illegals who did not have health insurance, and for hospitals raise the prices on the health insurance companies that past the cost onto the policy holders which some could not afford it anymore. This idea for this plan is to bring us back to the same problems that we had in the 1980s until Obamacare came along. We need new ideas, and not these scam policies that Republicans want to force on this country.

I got a new idea for you. Deport the illegals and make them enter the country iaw our laws. If they try to stay, harvest redundant organs to have them pay for any medical expenses they or their families incur. Problem solved, according to your description of the issue.

(03-16-2018 08:40 PM)Fo Shizzle Wrote:  

(03-16-2018 07:37 PM)Owl 69/70/75 Wrote:  

(03-16-2018 07:35 PM)Fo Shizzle Wrote:  

(03-16-2018 06:33 PM)Owl 69/70/75 Wrote:  Obamacare screwed the working middle class to subsidize the non-working welfare class. It's just a zero-sum game. Except that the IPAB and regulatory overburden will almost certainly make it a negative-sum game over time. There is no net gain anywhere. Bismarck would be a net gain. So why can't republicans get there? Damned if I know.

Im beginning to understand that there are forces in BOTH gangs that have no compulsion to do anything that would disturb their power and have zero ambition to do anything but line their pockets and increase that power. If that was not true? We would have Bismarck and a consumption tax paradigm. The fix is in and we are simply slaves on a comfortable plantation.

Yep, I think you're onto something.

Owl...Our problem is that despite this type of gang mentality going on for decades...we used to have LEADERSHIP that could reign in this mess. We have NONE now. Just a few Barry Goldwater types in power would make a giant difference.

Yep. I have to believe that the likes of Goldwater and Reagan would have a cow at what republicans have become. I can't see them having much use for the likes of McConnell or Boehner. And I really don't know what to think about Paul Ryan. I want conservatives/republicans/whatever to come up with bold ideas, not just be democrat-lite. But I don't see the happening.

(03-16-2018 08:50 PM)Owl 69/70/75 Wrote:  

(03-16-2018 08:40 PM)Fo Shizzle Wrote:  

(03-16-2018 07:37 PM)Owl 69/70/75 Wrote:  

(03-16-2018 07:35 PM)Fo Shizzle Wrote:  

(03-16-2018 06:33 PM)Owl 69/70/75 Wrote:  Obamacare screwed the working middle class to subsidize the non-working welfare class. It's just a zero-sum game. Except that the IPAB and regulatory overburden will almost certainly make it a negative-sum game over time. There is no net gain anywhere. Bismarck would be a net gain. So why can't republicans get there? Damned if I know.

Im beginning to understand that there are forces in BOTH gangs that have no compulsion to do anything that would disturb their power and have zero ambition to do anything but line their pockets and increase that power. If that was not true? We would have Bismarck and a consumption tax paradigm. The fix is in and we are simply slaves on a comfortable plantation.

Yep, I think you're onto something.

Owl...Our problem is that despite this type of gang mentality going on for decades...we used to have LEADERSHIP that could reign in this mess. We have NONE now. Just a few Barry Goldwater types in power would make a giant difference.

Yep. I have to believe that the likes of Goldwater and Reagan would have a cow at what republicans have become. I can't see them having much use for the likes of McConnell or Boehner. And I really don't know what to think about Paul Ryan. I want conservatives/republicans/whatever to come up with bold ideas, not just be democrat-lite. But I don't see the happening.

Ryan is a hem-haw figurehead.....that one was easy to spot right out of the gate....

Boehner and McConnell are tits on a boar hog.....

(03-16-2018 03:22 PM)DavidSt Wrote:  

(03-16-2018 12:49 PM)Fo Shizzle Wrote:  I should be allowed to assume as much risk as I am able to afford. If I can afford a $25,000 deductible?... then I should be allowed to buy a policy that has very low premiums..yet a super high deductible. The idea that Im getting value from the $677.00 per month policy I have now is absurd. I have not been to the doctor except for a yearly check up in over 10 years. Im actually more than happy to pay out of my pocket for my basic health care needs and simply have a catastrophic policy to cover me in case of serious illness.

The one reason why Obamacare came into place because of the health insurance companies raised the prices to priced out people who are on the lower end of the income brackets. This started back in the 1980s when Reagan past a law that hospitals should not turn people away because of income. That opened the flood gates in the hospitals to accept illegals who did not have health insurance, and for hospitals raise the prices on the health insurance companies that past the cost onto the policy holders which some could not afford it anymore. This idea for this plan is to bring us back to the same problems that we had in the 1980s until Obamacare came along. We need new ideas, and not these scam policies that Republicans want to force on this country.

Your worldview lacks refinement as well as any semblance of sense.

(03-16-2018 08:53 PM)stinkfist Wrote:  

(03-16-2018 08:50 PM)Owl 69/70/75 Wrote:  

(03-16-2018 08:40 PM)Fo Shizzle Wrote:  

(03-16-2018 07:37 PM)Owl 69/70/75 Wrote:  

(03-16-2018 07:35 PM)Fo Shizzle Wrote:  Im beginning to understand that there are forces in BOTH gangs that have no compulsion to do anything that would disturb their power and have zero ambition to do anything but line their pockets and increase that power. If that was not true? We would have Bismarck and a consumption tax paradigm. The fix is in and we are simply slaves on a comfortable plantation.

Yep, I think you're onto something.

Owl...Our problem is that despite this type of gang mentality going on for decades...we used to have LEADERSHIP that could reign in this mess. We have NONE now. Just a few Barry Goldwater types in power would make a giant difference.

Yep. I have to believe that the likes of Goldwater and Reagan would have a cow at what republicans have become. I can't see them having much use for the likes of McConnell or Boehner. And I really don't know what to think about Paul Ryan. I want conservatives/republicans/whatever to come up with bold ideas, not just be democrat-lite. But I don't see the happening.

Ryan is a hem-haw figurehead.....that one was easy to spot right out of the gate....
Boehner and McConnell are tits on a boar hog.....

What I can't figure out about Ryan is figurehead for what. I think of a figurehead as a nominal leader with somebody behind the scenes actually pulling the strings. If that's the case, then we've got a figurehead with an airhead power behind him.