Freddy Figbottom
Was it me?
well that's impertinent and rude.
Repeal or replace?
- Thread starter Diogenes
- Start date
I'm sorry you feel that way. That wasn't my intention, my fren.
Freddy Figbottom
Was it me?
friends don't let frens be evil, frenulum.
I appreciate your tender regard for me, my fren. It's touching.
Freddy Figbottom
Was it me?
you want a piece of candy? my car's just over here.....
Republicans control the House (220-215), Senate (53-47), and presidency in the 119th Congress, giving them unified government.
They can repeal fiscal elements of the ACA (taxes, subsidies, Medicaid expansion funding) via budget reconciliation with simple majorities in both chambers, bypassing the Senate filibuster, as done in 2017 attempts and the individual mandate repeal in the 2017 tax law.
Non-fiscal regulations would need 60 Senate votes or nuclear option changes, but core repeal is feasible through reconciliation.
They can repeal fiscal elements of the ACA (taxes, subsidies, Medicaid expansion funding) via budget reconciliation with simple majorities in both chambers, bypassing the Senate filibuster, as done in 2017 attempts and the individual mandate repeal in the 2017 tax law.
Non-fiscal regulations would need 60 Senate votes or nuclear option changes, but core repeal is feasible through reconciliation.
Life is Golden
The Sage
You sound just like a liberal. “Big bad insurance companies,” right? You clearly don’t understand how insurance actually works. No company can stay solvent without underwriting, which your beloved government forced them to drop.
Just wait until you see what comes next. You’ll get the system you are shilling for.
Natural selection has a way of sorting things out.
Life is hard. It’s even harder when you’re dumb.
Non sequitur.
First of all, I'm not the person who posted that on X.
Secondly, I don't recall claiming that any company can stay solvent without underwriting.
Thirdly, I don't believe I've ever expressed the view that would lead a reasonable person to conclude I support any "beloved government".
Fourth and last, you appear to be presenting a false dichotomy. Repealing Obamacare and replacing it with nothing ≠ a government takeover.
Go back to beer-toasting with the other whiners in the Complaints forum.
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Freddy Figbottom
Was it me?
your insurance companies offered to administer single payer.
They're the ones who want it.
they're shilling for it, and so are you by shilling for them.
you;re a piece of shit liar, fascist cocksmoker.
Life is Golden
The Sage
No, you clearly want it, bad enough to attack the one thing standing between the gubmint and total control of your healthcare.
You probably have blue hair, tattoos, and a nose ring.
Not exactly the brightest bulb in the bunch.
Life is Golden
The Sage
Freddy Figbottom
Was it me?
you want your insurance companies to be guaranteed to be in the middle.
eat a dick, fascist.
providers will have to compete.
this is better.
No, it does not. Because I have not done so.
Do you still beat your golden retriever?
Life is Golden
The Sage
You've lost this argument, single pay lover. Now go create 27 more threads no one will respond to.
Life is hard, even harder when yer dumb.
As you know very well.
Says who?
I intend to. Make sure you keep count.
That's your problem.
I've seen enough of your strawmanning in this thread to know. Sad.
A doctor explains how Barack Hussein Obama allowed insurance companies to steal unlimited amounts of money from taxpayers with the UN-Affordable Care Act:
“Where do our health insurance costs go up every year?
The reason is, it was designed that way. There's something called, in the Affordable Care Act, called the medical loss ratio.
The medical loss ratio means that insurance companies must spend between 80 to 85% of all premium dollars on medical services.
That means they're limited to 15% to 20% for administrative, overhead, and profit. So that means that they play a little game.
The higher the top line is, the bigger that number is. So now all we did was say, "Let's charge more each year."
If you look each year, the insurance company's revenues go up every year. The second thing they did to get around that was they started vertically integrating.
What's vertical integration? That's when you start buying companies that are not insurance companies, but in similar businesses.
So they started buying pharmacy benefit managers, which are middlemen for the drug companies. They started buying pharmacies, they started buying physician services and physician groups.
So why is that important? Well, think about this. I'm the insurance company, I wanna make it look on paper like I'm making my medical loss ratio, because if I don't, I'm gonna have to pay a rebate.
So what I do is I have my physician over here (who's owned), and I overpay him, but he's owned. So when I overpay him, all I'm doing is I'm showing I have an expense here, but it goes back in my other pocket.
Same thing for drugs. I can take a $50 drug, I can pay $200 for it.
Now I've just gotten around the medical loss ratio, because somehow the government can't figure out how to trace that dollar beyond the insurance.
So that's how they get around it, and this is why our insurance premiums go up every year, and they're gonna keep going up until we change the system.”
“Where do our health insurance costs go up every year?
The reason is, it was designed that way. There's something called, in the Affordable Care Act, called the medical loss ratio.
The medical loss ratio means that insurance companies must spend between 80 to 85% of all premium dollars on medical services.
That means they're limited to 15% to 20% for administrative, overhead, and profit. So that means that they play a little game.
The higher the top line is, the bigger that number is. So now all we did was say, "Let's charge more each year."
If you look each year, the insurance company's revenues go up every year. The second thing they did to get around that was they started vertically integrating.
What's vertical integration? That's when you start buying companies that are not insurance companies, but in similar businesses.
So they started buying pharmacy benefit managers, which are middlemen for the drug companies. They started buying pharmacies, they started buying physician services and physician groups.
So why is that important? Well, think about this. I'm the insurance company, I wanna make it look on paper like I'm making my medical loss ratio, because if I don't, I'm gonna have to pay a rebate.
So what I do is I have my physician over here (who's owned), and I overpay him, but he's owned. So when I overpay him, all I'm doing is I'm showing I have an expense here, but it goes back in my other pocket.
Same thing for drugs. I can take a $50 drug, I can pay $200 for it.
Now I've just gotten around the medical loss ratio, because somehow the government can't figure out how to trace that dollar beyond the insurance.
So that's how they get around it, and this is why our insurance premiums go up every year, and they're gonna keep going up until we change the system.”
Life is Golden
The Sage
Removing the ability to underwrite policies under the Affordable Care Act fundamentally changed how health insurance companies manage risk. Before the ACA, insurers could price coverage based on health status, age, and other risk factors, which kept premiums aligned with individual risk. Once underwriting was banned, insurers were required to accept everyone at the same rates, including those with preexisting conditions. This eliminated a key financial control and shifted the risk burden to the federal government through taxpayer-funded subsidies.
Those subsidies now keep the system afloat by offsetting the higher costs of insuring sicker populations. Without them, many insurers would face major losses or withdraw from the exchanges altogether, destabilizing the market.
Those subsidies now keep the system afloat by offsetting the higher costs of insuring sicker populations. Without them, many insurers would face major losses or withdraw from the exchanges altogether, destabilizing the market.