Repeal or replace?

Jake Starkey said:
So he lied about having a better plan or he had nefarious hopes, just like you.

Yes, it can be fixed. A single payer Medicareforall and put the health insurance companies out of business.

Force doctors and medical centers, urgent cares, etc., work in the system.

Cheaper, more accessible, and better care for all.
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It would be shithole care for all. Sorry govt-run healthcare, with doctor jobs as dead-end gubmint jobs.

Been to the DMV lately? I sure don't want my healthcare in an overcrowded, understaffed shithole like that.
 
Jake Starkey said:
Nah, it is a shithole now, and you wallow in it.

Your medical center is not a DMV, never will be.
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It will be if the shitty government ever takes over. The govt has no use for quality control or measures because they have no competition, unlike the private sector who has to compete for business. If you want sub-par, get it from the gubmint.
 
Diogenes said:
https://twitter.com/x/status/1986798302403203249
View: https://x.com/BoSnerdley/status/1986798302403203249?s=20
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Insurance companies were doing just fine until Obamacare and it wasn't from gubmint money. They didn't need gubmint money. It wasn't until gubmint inserted itself into the system and put them in a losing position, making them insure everyone regardless of health! How stupid. Just wait until your utopian dream of single payer comes through! I hope you are healthy.
 
Life is Golden said:
Insurance companies were doing just fine until Obamacare and it wasn't from gubmint money.
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No, the claim that “insurance companies were doing just fine until Obamacare” is not accurate.

The individual health insurance market was in a deepening crisis for years before the Affordable Care Act (ACA) passed in 2010.

Here’s the evidence: Pre-ACA profitability was already collapsing in the individual market
  • From 2008 to 2010, the combined ratio (losses + expenses ÷ premiums) for the individual market spiked above 100% for most large carriers, meaning they were losing money on every policy.
  • Major insurers were either exiting the individual market entirely or restricting new enrollment:
    • 2008–2009: Humana, Cigna, and WellPoint stopped writing new individual policies in multiple states.
    • By 2010, 14 states had only one or two carriers left willing to sell individual policies to new applicants.
  • Medical loss ratios (MLRs) in the individual market averaged 81% in 2009, but after overhead and profit targets, many carriers were underwater. Goldman Sachs issued a report in 2009 titled “Health Insurers: The End of an Era?” warning that the individual market was becoming uninsurable without reform.
Premiums were skyrocketing long before Obamacare
  • Average individual-market premiums rose ~30% from 2006 to 2010 (AHIP and Kaiser Family Foundation data).
  • In some states (e.g., Maine, Washington, Kentucky), annual premium increases exceeded 20% per year for five straight years pre-ACA.
Stock performance of health insurers tells the story.

The big for-profit insurers (UNH, AET, WCG, HUM, CI) actually hit multi-year lows in late 2008–early 2009 because Wall Street saw the individual market dragging down earnings. UnitedHealth’s CEO Stephen Hemsley warned investors in 2009 that “the small-group and individual segments remain challenged.”

What happened after ACA?After the main ACA provisions kicked in (2014):
  • The same insurers posted record profits.
  • Combined ratios fell below 90% in most years.
  • The number of carriers participating in the individual market initially surged from ~150 in 2013 to over 300 in 2017.
Bottom line: Insurance companies were NOT “doing just fine” before Obamacare in the segment the law targeted (individual/marketplace coverage).

That market was in a classic death spiral—rising rates → healthier people dropping out → even higher rates → more exits by carriers.

The ACA rescued the individual market for insurers, which is why every major insurer lobby (AHIP) initially supported the bill).

The “doing just fine” talking point usually confuses the large-group and employer markets (which were profitable) with the individual market (which was imploding). They’re completely different risk pools.
 
Instead of shifting more healthcare costs to taxpayers, we can make it easier for workers to use their freedom of association to access higher-quality healthcare. The government should not stand in the way of market-based incentives to lower the cost of health insurance.

https://twitter.com/x/status/1986855679718515071
View: https://x.com/RandPaul/status/1986855679718515071?s=20


Rand Paul: Republicans shouldn't cave on Obamacare subsidies. I have another plan.​

Republicans should not immediately capitulate and agree to throw more taxpayer money at a failed government program. Consumers have the power to improve the cost and quality of health care in America.​


www.usatoday.com

Rand Paul: Republicans shouldn't cave on Obamacare subsidies. I have another plan.

Imagine your Costco membership or Amazon Prime subscription giving you access to high-quality health care. That's my Health Marketplace for All Act.
www.usatoday.com
 
Jake Starkey said:
So he lied about having a better plan or he had nefarious hopes, just like you.

Yes, it can be fixed. A single payer Medicareforall and put the health insurance companies out of business.

Force doctors and medical centers, urgent cares, etc., work in the system.

Cheaper, more accessible, and better care for all.
Click to expand...
Communism doesn't work, Jake.
 
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