35 Million will lose Health Insurance per Health Management Assoc.

Discussion in 'Political Opinions & Beliefs' started by 61falcon, Apr 6, 2020.

  1. 61falcon

    61falcon Well-Known Member

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    The Health Management Association is forecasting that at least 35 Million laid off workers who have employer supplied health insurance will lose their health insurance as employers cut expenses. Giving us all another very good reason why we would all be better off with Medicare for all.One simple health insurance plan with identical coverage for every one in the nation.The president,congress and senate get exactly the same coverage as the average American citizen.
     
  2. God & Country

    God & Country Well-Known Member

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    We mustn't let a crisis sway us such that we travel down that slippery slope. America must NEVER opt for any government run healthcare. It's not that it isn't a good idea, it's that they would screw it up much worse than it already is, that would be like turning our healthcare to a bunch of drunken teen agers. I think the president needs to get involved and convince the employers to cover laid off employees for at least a year. When the smoke clears on this crisis there's going to be a surge in employment and a shortage of workers so businesses are going to have to sweeten the pot with good medical benefits to lure new employees. This might be the thing to trigger rational repairs to our healthcare system. If employers have to compete for hires then they will lean on the insurers to create more and more attractive healthcare packages.
     
    Last edited: Apr 7, 2020
  3. Daniel Light

    Daniel Light Well-Known Member

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    The percentage of people who are covered under employer health plans has been falling for the last 30 years ... I doubt there is going to be any big change in this trend - so your claim has little basis in reality.
     
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  4. PPark66

    PPark66 Well-Known Member

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    Briefs are due May 9 on ACA case before Supreme Court. Court could invalidate health coverage for millions in the middle of this pandemic.
     
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  5. EyesWideOpen

    EyesWideOpen Well-Known Member Donor

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    Most Americans have essentially already lost their Healthcare, as it applies for routine check-ups and maintenance, because everyone's being prevented from going to the doctor unless it's an emergency.

    The Governor's In our states have pretty much just canceled our Healthcare. Unless you come down with covid-19 you can't even go see the doctor. If you need a hip replacement, if you need to have your your blood work done so that you can find out if you need a new blood pressure medicine or some other medication, you can't go. If you've got aches and pains if you got severe pain, or some new ailments , that just started within the last few weeks you're out of luck. You do not have health care because you do not have access to the healthcare
     
    Last edited: Apr 7, 2020
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  6. 61falcon

    61falcon Well-Known Member

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    God&country. Do you feel that personal private health insurance companies, with their multi million dollar suburban campus offices have served you well???Because most Americans KNOW we have by far the most expensive health care in the world, which is far from being the best in the world.It is our premium dollars buying those lush office campuses for health insurers and paying their executives multi million dollar salaries.Neither of which do a single thing to improve health care in our country.
     
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  7. Distraff

    Distraff Well-Known Member

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    Its true there will be a surge in employment, but if there is enough economic damage, it will take years to get back to a normalish unemployment rate. And while unemployment remain high, there will be less reason for employers to offer good healthcare packages. Healthcare costs are constantly rising, and with an economic depression almost certain, its unlikely that employers will keep their existing healthcare benefits. Extending them for a year after laid off isn't an option.

    The real solution is a public option that is paid for by payroll taxes, government borrowing if necessary, and some premiums. So if there is a pandemic, you just switch to public healthcare. Now, as it stands, the government is probably going to have to pay for healthcare anyway, and bail out all the people without insurance, and people with high out of pocket insurance.
     
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  8. Jkca1

    Jkca1 Active Member

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    It's just a matter of time now before we get medicare for all. The virus will bankrupt thousands of Americans that could not afford insurance and pay their bills. That will drag the economy down further. People will die because they don't have coverage or can't afford it. Time for a change. Not that I look forward to the Govt. running anything...
     
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  9. 61falcon

    61falcon Well-Known Member

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    The sooner the better for all those losing their coverage.
     
  10. Spim

    Spim Well-Known Member Past Donor

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    is COBRA no longer a thing?

    I must have missed the memo.

    when did that happen?
     
    Last edited: Apr 7, 2020
  11. Kranes56

    Kranes56 Well-Known Member

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    Source?
     
  12. Lucifer

    Lucifer Well-Known Member

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    That's false!

    If you have health insurance with one of the larger insurers, you most likely also have access to 24 hours nurse line and access to telehealth services. So if you need to see your doctor, you can, just call them to find out what your options are, since your doctor's office may be inundated at the moment.
     
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  13. Distraff

    Distraff Well-Known Member

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    Cobra is where you pay 100% of your health insurance without any help from your employer and costs about $15,000 - $20,000 per family per year. And that doesn't take into account the deductible and the percentage of the cost of healthcare you have to pay. In fact, private insurance on the Obamacare exchange usually is a lot cheaper, but still very expensive. But Trump isn't allowing people to sign up for health insurance on the exchange.
     
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  14. drluggit

    drluggit Well-Known Member Donor

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    LOL... this is exactly why folks shouldn't ever have to have this BS foist on them. There are reasons for folks to have different coverage. For some, coverage isn't actually necessary. For others, it's vital. The difference is that most of us aren't expecting the others who aren't high quantity consumers to pay for our usage. Think about it this way. Would you make everyone pay the exact same electric bill? Fuel usage bill? Food consumption bill? It's laughable.
     
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  15. Distraff

    Distraff Well-Known Member

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    The problem with Medicare for all is that it tries to cover literally every medical cost. Instead I'd make a public option that tries to be cost-effective. I'd also try experimenting with publicly run hospitals for the basic stuff. We should also include broad national measures to reduce the cost of healthcare like getting care and drugs abroad, malpractice reform, and encouraging healthy lifestyles. The public option would have a deductible, coverage percent, and coverage limits like private insurance and would resemble a private plan. The only difference between the public option and private insurance would be that it would have a payroll tax instead of premiums.

    I'd add some flexibility as well. People could add private insurance to cover what the public option doesn't cover. The public option would have a bronze plan (free), silver (small premium), and gold plan (medium premium). You can also replace your public option with private insurance completely and get a subsidy/voucher to help afford private insurance. Members of government would not be allowed to purchase private insurance or any option past a bronze plan.
     
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  16. Spim

    Spim Well-Known Member Past Donor

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    I know exactly what it is.

    If you want to continue coverage that's what you do. I assume during a pandemic it would make sense to sign up, I know I sure as hell would.
     
  17. Distraff

    Distraff Well-Known Member

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    We are continuing coverage, but at an outrageous cost, and at a time when you just lost your job. The whole point of our system is that the employer helps make healthcare affordable and takes part of the burden. This obviously doesn't work and we might as well move away from employer based insurance. Private plans on the Obamacare exchange are actually cheaper than Cobra and you are better off avoiding it. But Trump wants to keep the exchange closed.

    Additionally, out of pocket expenses can be pretty major, sometimes $10,000 if you get severe covid. The next stimulus bill will probably include a bailout for all these healthcare costs because we don't have universal healthcare.
     
    Last edited: Apr 7, 2020
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  18. Spim

    Spim Well-Known Member Past Donor

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    sometimes $10,000, sometimes $1250.

    if you dont want cobra then I guess you can go without coverage during a pandemic. seems like a bad idea to me, but I tend to play it safe, especially during a pandemic.

    I think my kids was $230 a month, there wasnt any hesitation.
     
    Last edited: Apr 7, 2020
  19. Distraff

    Distraff Well-Known Member

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    If you have a family, its not going to be $1250 unless the cobra has a really high out of pocket, or you work for a really great company. In reality its between $15,000 and $20,000. That was my option when I was between jobs.

    I agree that cobra is the best option for a pandemic that we have right now unde the current administration. But it shows the failure of employer based insurance where the employer helps you pay insurance.

    Trump needs to open the Obamacare exchange so that people can access far more affordable plans. We also need to consider a public insurance option so that healthcare will be more affordable for those who lost their jobs.
     
    Last edited: Apr 7, 2020
  20. rahl

    rahl Banned

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    but we know, for an objective fact, based on peer reviewed papers, that single payer systems are vastly superior to our system. They get better care than we do, at a fraction of the cost we pay.
     
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  21. rahl

    rahl Banned

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    how do you imagine an unemployed person with no money coming in can afford to pay COBRA premiums, which are 3 times higher than what they were paying when they were employed?
     
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  22. Spim

    Spim Well-Known Member Past Donor

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    no money coming in?
    when did we get rid of the new unemployment benefit?
    no more direct payments either?
    businesses wont take paycheck protection loans?

    I also thought loss of employment was a life event for aca, but maybe I'm wrong on that.

    cobra ( which I think you get 60 days to elect) private plans, short term

    all of these options are at triple the cost...?
    for everyone?
    can you source that?
     
    Last edited: Apr 7, 2020
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  23. God & Country

    God & Country Well-Known Member

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    Before Obamacare our health care was vastly superior to any single payer system anywhere. Health care belongs in the market not the bureaucracy.
     
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  24. God & Country

    God & Country Well-Known Member

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    No we don't, the countries that you single payer folks so love to point out also have outrageously high taxes. Denmark, Sweden and Norway's are 60.4%, 56.4% and 39% respectively. High healthcare costs masked in taxes. I don't know what you're talking about in the rest of your post but I suspect you don't either. You can't have what you describe as good healthcare without a significant portion of our wages being confiscated. Sorry but tax increases never go away especially when raised by Democrats. I'd rather the system be deregulated so that the price and quality can be decided by the market not some bureaucrat.
     
  25. Professor Peabody

    Professor Peabody Well-Known Member Past Donor

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    We have two they are called Obama Care and expanded Medicaid. Are you saying they don't work and Obama/Biden wasted our money?
     
    Last edited: Apr 7, 2020
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