The Soapbox

Hoodafan

Joined: 09/29/2013 Posts: 60632
Likes: 57086


Why though? Isn't the point to insurance to put everyone in a pool to


spread the costs across the entire pool and thus eliminate the peaks and valleys? (I agree with you btw in that I prefer an individual mandate. Short of that, the House's plan of making lesser "catastrophic" type plans available, and charging a premium if you didn't maintain coverage was at least better than nothing.)

This is what I don't understand about ACA or any of the GOP plans, they don't put everyone in the same pool to spread those costs. Why are individual buyers in a separate pool from those getting insurance via ER X, which is separate from ER Y? If you're an Anthem covered person in Boca/So. FL, you should all be in the same pool to better spread those costs. That eliminates the "death spiral" of the healthy stay out of the individual market pool we see with ACA and the vast difference in what you pay in small ER "pools" based on the health of a handful of employees (great rates if you're all healthy, but f'd the second one employee gets cancer).

Pre-existing conditions can be a wide variety of things. A breast cancer survivor that is in remission for example qualifies as I understand it, and may very well cost less than a non-qualifier that is more likely to actually get breast cancer going forward. If you put everyone in the same pool, this seems like it would be a fairly easy calculation for the actuaries to make.

(In response to this post by BocaHoo91)

Posted: 09/21/2017 at 10:15AM



+0

Insert a Link

Enter the title of the link here:


Enter the full web address of the link here -- include the "http://" part:


Current Thread:
 
  
How bad is Graham/Cassidy? -- Faz d. Hoo 09/20/2017 9:32PM
  You don't have to worry, it isn't going to pass. ** -- Lazarus 09/21/2017 10:17AM
  This Wizard agrees (pic) -- Tuckahokie 09/21/2017 10:38AM
  It's gonna be really bad for Republicans -- wahoo138 09/21/2017 10:03AM
  And that's all that really matters... ** -- Hokie5150 09/21/2017 10:18AM
  Is that sarcasm? -- wahoo138 09/21/2017 10:28AM
  Almost a majority -- wahoo138 09/21/2017 12:06PM
  Re: Is that sarcasm? -- Hokie5150 09/21/2017 10:31AM
  Smh. this is why we can't have nice things ** -- 111Balz 09/21/2017 10:28AM
  Liberal blogs weren't up yet with the hot takes. -- ryno hoo 09/21/2017 06:09AM
  I was off in my explanation -- WahooMatt05 09/21/2017 07:58AM
  It has a chance to pass ** -- HokieDelNorte 09/20/2017 9:48PM
  Why pass this bill? The Republicans stand a better -- walkthecorner 09/21/2017 09:19AM

Notice: Trying to get property 'queue' of non-object in /data/www/sportswar.com/wp-includes/script-loader.php on line 2781

Warning: Invalid argument supplied for foreach() in /data/www/sportswar.com/wp-includes/script-loader.php on line 2781
vm307