Is Obamacare Working? The Affordable Care Act Five Years Later
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- เผยแพร่เมื่อ 28 ก.ย. 2024
- In which John Green pauses, five years after the Affordable Care Act was signed into law, to consider what we know so far about the law's effectiveness and repercussions. I also look at health care in the United States more generally, and the limited scope of the Affordable Care Act relative to the size of the overall health care system in the U.S.
I got a ton of help from Aaron Carroll, who hosts the great Health Care Triage / thehealthcaretriage , but any errors are my fault and mine alone.
SOURCES:
More than 17% of US GDP goes to health care expenses: en.wikipedia.or...
The U.S. spends way more on health care than any other country: www-tc.pbs.org/...
And yet our healthcare outcomes are not generally better (and are in many cases worse): www.commonwealt...
44 (or maybe 46) million Americans were uninsured in 2009: www.pbs.org/hea...
This NYT article assessing the ACA is excellent: www.nytimes.com...
Understanding pre-existing condition exclusions: kff.org/health-...
Medical debt is the biggest cause of U.S. bankruptcy: www.cnbc.com/id...
Employer-based insurance distorts the labor market in the United States: www.bostonfed....
Both the access and the cost savings parts of the Affordable Care Act are discussed really well at this wikipedia page: en.wikipedia.or...
We are nowhere close to a path to health care spending stability: www.cbo.gov/pu...
But the uninsurance rate has dropped dramatically: www.gallup.com/...
And more than 12 million people have gotten insurance through the health care exchanges set up by Obamacare: acasignups.net/
The rollout of healthcare.gov was a disaster: en.wikipedia.or...
Insurance premiums rising more slowly than before exchanges: kff.org/health-...
More insurance companies are participating in the exchanges this year than last year: www.wsj.com/art...
The law is costing less than expected: www.nytimes.com...
Is the law actually improving health? It seems so at least for young adults and also for colonscopy screening rates, but much is still unknown: www.nytimes.com...
Many are still uninsured and underinsurance is a huge problem: www.nytimes.com...
(Don't get mad at me for linking a lot to the New York Times; they do way more data analysis and reporting on this stuff than anyone else I've come across)
Britons live longer and healthier lives than Americans despite being pretty similar lifestyle-wise: www.ncbi.nlm.ni...
Our health care spending will sink us in the long-run, but if anything the situation was worse before the ACA: www.cbo.gov/pu...
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Is it wrong to say I couldn't care less about the 'freedom' of massive companies when people are being fucked over financially or left with shitty care? We need a government run, single payer, universal healthcare in the U.S.
If it's wrong I'm happy to be wrong with you.
Governments ought to be established to secure freedom and safety for the people, not the companies
It's a dangerous president to consider a company has freedoms at all.
I think you should care any time a government restricts people's freedom, for whatever fine a reason. We need to make sure that the benefits massively outweigh the negatives, and should never approach the situation lightly. In this case I agree that we can't let something as important as healthcare be run as a for-profit. I think full government control is a bit much, but universal coverage for all citizens funded by taxes coupled with large-scale negotiations on drug prices would drastically improve outcomes and save money in the long run. But giving the government more power over our lives in any situation requires us to be mindful of all the pros and cons, and to listen to both sides with an objective ear. Or else we risk giving them too much and putting our lives in the hands of politicians, which isn't any better than putting it in the hands of businessmen.
Agreed, this ACA bullcrap all it is is just a bandaid over an underlying cancer that wont go away unless the government agrees to what you jsut said and stop playing with the population like this.
I pay 4 times as much for 1/4 of the care I used to get.
+poptart 523 Well, my healthcare was much less... The ACA came along and made it super fucking expensive.
Now I'm not the smartest man on earth... But something tells me that Obamacare had something to do with my healthcare costs quadrupling.
+poptart 523 Oh. My. God.
Are you trolling? Or incredibly dim?
My healthcare was about $60 per month for 7 years.
Since the ACA it has risen from $249 per month to $290.
What kind of bullshit is the media feeding you?
+poptart 523 Never entirely blamed the ACA for rising healthcare costs.
I think you're reaching for things that aren't there.
Go back to worshipping the government. Don't worry, momma's always gonna take care of you.
+poptart 523
I work in the healthcare system. Have for 7 years.
I 100% blame government for the rising cost in healthcare.
I do this in confidence because I have seen thousands upon thousands of studies, laws, regulations and anecdotal accounts of the government being completely incompetent by hiring people who know nothing about healthcare (like you) to make laws about healthcare.
+poptart 523
Drug companies have been pandered to by beloved candidates such as Clinton and Bush. Given favoritism in the stock market, regulations that benefit them and destroy the competition.
You're left with major corporations that are allowed to price gouge because the government specifically wrote laws that allowed them to do it.
So, does this count as educational?
***** I'm demanding a punishment right now!
I dunno. I mean, I think so--there was a lot of information in there, but it seems borderline at best.
I sure hope so. That's up to nerdfighteria to decide though. -John
Tbh I kind of hope it isn't... I want to see another punishment. Sorry John
I'm thinking yes. Research and sources to me says it's pretty solidly educational!
The first Vlogbrothers video I ever saw was the one where John compared the US healthcare system to a giant pig at the state fair. One of the best takedowns of our healthcare system I've ever seen. Been a fan ever since.
Before the law took effect I was paying about $470/mth with $6,500 deductible for a healthy family of four with no medical issues at all. Once the law took effect, that plan got thrown out as being not compliant with the new law. So I lost that plan. 1st year on the exchange plan, the best deal I found was abt $780/month. I qualified for a subsidy that brought my out of pocket cost to abt $420/mth but my deductible was $12,000! If I would have kept the same deductible as my previous plan ($6,500) it would have cost abt $1,200/mth. This coming year of 2017 the plan I bought through the exchange is going up from $750/mth (with subsidy $450/mth out of pocket) to $1,130/mth ($760/mth out of pocket with subsidy) for the same $12,000 deductible. And this family of 4 is still healthy with no health issues. So as you can see Obamacare clearly isn't work for this middle class family.
How can I pay a $750/mth premium for something I cannot use until I've paid out $12,000 for a claim? That makes no economic sense. Yet I must or I'll have to pay a penalty. Clearly, I was better off before Obamacare took effect. I paid a lower monthly premium, I was not a burden to the system as I needed no subsidy, my deductible was half of what it is now and my participation was voluntary.
I live in the UK. About £1300 of my combined annual tax and national insurance pays for the National Health Service. At current exchange rates that's about $1650/year or $138/month (less than the average American tax payer pays for Medicaid and Medicare - an involuntary tax most get little or no benefit from) For my $138/month, I can see my doctor as often as I need, get a huge range of high quality basic and higher level healthcare including emergency, elective and palliative care, all FREE AT POINT OF TREATMENT - no "deductibles". I can get low cost prescription medicine (free for the elderly and low income). And if I should want goldplated care beyond that provided by the NHS, I'm perfectly at liberty to buy a whole range of private healthcare options at competitive prices.
You may have personally been better off before Obamacare, but you'd be MASSIVELY better off with a system like the UK National Health Service.
EASYTIGER10 you Brits provide all those illegal Muslims flowing into the UK with the same type of healthcare? Thank God for Brexit!
Big dog ... The problem is not really with Obamacare. There are three reasons why Obamacare never would have worked anyway. (or any other attempt at universal healthcare)
1. Obama is a dishonest man who knew it would not work but sold the idea to people anyway to get elected. It was originally called HillaryCare. When Hillary lost against Obama, she sold him Obamacare in exhange for access to her well oiled campaign machine.
2. Insurance, Pharmaceuticals etc ...these cost more than double in the US than in the UK. This is result of monopolies that formed for various reasons, countless middlemen, organisations like Medicaid are prohibited from negotiating prices, etc, etc
3. Both the US and the UK has between 5 to 6% unemployment. Unfortunately that's more disingenuousness by Obama and other politicians. The Labour Force Participation Index in the UK is about 80%....Whereas it's around 60% in the US. And this is the main reason why other developed countries have affordable universal healthcare while we don't.
In the UK 80% of the Labour forces carries the burden for the other 20%. So that's a 25% burden.
In the US 60% of the Labour Force is forced to carry the burden of the other 40% (who are non productive able bodied adults) for there to be universal healthcare. That's a 67% burden...on top of the fact that other health related costs are twice than the costs in other developed countries.
Also, even people who "participate" in the labour force but earn too little puts even more of a burden on the system.
Anyway, all this money is going somewhere...enriching someone. In my opinion, that is the true purpose of HillaryCare (aka Obamacare)
Big Dog Brexit won't make any difference
Before your policy had a clause that it would be "cancelled if you get sick", sure its cheaper, but it was garbage. Without the ACA the insurance companies simply dropped their sick patients to make money and it was legal!
A single payer healthcare system would be better.
NHS
yes, we shall play a game of "not me" in order to decide who that is. eh hem " *not me* "
Even my Republican doctor agrees.
My mom could have died because she was sexually harassed by her bosses so she refused to go to work so got fired and she got extremely sick and could not afford the medication.
thankfully we're out of that situation because my mom has a good job again. but I could have been a child without any parents because their only parent died when he was 12!
if you're wondering why my mother did not get anything out of being sexually harassed it's because her bosses refused to compensate her and refused to go to court. I know that this situation might be rare but it still happens and could have radically changed my life. I'm sure similar situations have happened though that really did change lives, and that is disturbing.
Wizl The Blonde Alien I don't think you understand what the single payer system is.
Things are better than before? No. Not at all. Everyone I know at median US income is paying more than they were and getting less coverage. I love when people only look at adjusted and selected numbers, and ignore the experience of everyone around around them.
+John Ryan
Exactly. My insurance costs didn't go up, but the amount of coverage got cut. It skews statistics to only talk about the price of an insurance plan, when that same plan has coverage cuts.
The main question is are you saying that in terms of Health Care that the vast majority of Americans are worse off now compared to before, because before it seemed worse. But then I was a child in those days so perhaps its not fair of me to say as I go off what my parents say and they said it was worse compared to now because now under the act my family is all covered.
The real problem started when in the 1990's the insurance companies became "for profit" health plans. I had a great blue cross plan for a family of three. It was $76.00 a month...90/10 with $250.00 deductible. A year later it climbed to $500.00 a month. Then they dropped the plan and for the same amount I now had 80/20 with 500 deductible. That was 20 years ago. I am appalled at what families now pay for a really crappy plan. Our greedy corporations have ruined the middle class.
This law put me in debt. I hate debt. I do not even have a credit card.
+GuitarZombie Me too. It tried to solve the ~44 million uninsured coverage problem. So the working poor or preexisting condition uninsured got help (yay for them), but created a whole new monster.
Insurance for now most of the working class to middle class, the ones that are still working and paying taxes, has skyrocketed. The "Affordable" part has disappeared.
Not just me, but a handful of people I know are stuck. If they get insurance, they are in debt or unable to pay the bills.
If they don't, they are penalized by the IRS (subtract tax refund) and no health coverage. Hope you don't get sick or get into an accident.
Obamacare is atrocious.
He should probably acknowledge how many families who were insured previously have found their bills exponentially higher than before. The many families who were forced to change doctors even though they were promised that they wouldn't have to. The many people who had insurance previously via their employers, only for their companies to exploit loopholes and now those people cannot afford insurance nor the ACA.
Despite all of that, I am grateful for the Affordable Care Act, because at least it's something and at least it's a start. I am grateful that as a young adult, I am able to be insured for the first time ever. And it has helped many of my friends and family who were previously unable to obtain insurance. But I can't deny the many people who were negatively affected by it. So I'm conflicted. I agree with the facts presented in this video, but I think ignores many of the detriments I mentioned before. Here's to hoping for major improvements, because we do need universal health care.
+RyanX1231 No, no no. those of us in the VA have your magical "universal healthcare" good luck with that kiddo...I know your teachers probably love the idea, ask them how many currently live in the countries that do have it. Also, ask yourself if those types of systems are so super awesome, then why do people build rafts out of old antifreeze jugs and milk containers to float through shark infested waters to get here...its because America sucks right...
+Eric SilverNLead The VA has worked great for me so far... no dental, but other than that, I can't really complain.
It has worked for some, other have paperwork backed up, medications screwed up, doctors that just leave, or dont care. Not to mention the middle 2000's when everything was a mental health issue, or alcoholism. Those were the best years...now it's pain meds. The dental part sucks, but they are trying it...I think. At least I had a dental sign up sheet somewhere. The worst part is the new thing where you can use any doctor and they would cover it. You have to live like 35 miles from any primary care clinic for it to kick in, i live 34.5, and it doesn't cover me. No shit, they use the phrase "as the crow flies" not road mileage. At any rate, where were you at? What branch? I was Petty Officer 3rd class USN, Iraq 2003.
+RyanX1231 If your employer is exploiting loopholes, it is because they're greedy and they SUCK. Don't blame it on the ACA, blame it on the execs.
+RyanX1231 Very true, my insurance doubled with the advent of the ACA.
"There are no death panels"
Unless you have to get your healthcare from the VA.
+augmenautus rex Or HAP
+augmenautus rex The VA has worked great for me so far other than the no dental coverage thing.
+augmenautus rex I've found with Medicaid (I'm on disability and Social Security is running my healthcare through it), they don't really have Death Panels. But. While they'll keep you alive, sometimes it is just barely. They won't necessarily allow physical therapy and such to better your condition, but they will throw pain pills at it- in controlled amounts, of course. Several problems I have could have been prevented or at least made better with appropriate care awhile back. But now they're worse, and now the costs for keeping me alive are bigger. Friggin' bean counters...
+cupera1 Cite your sources. I've read the bill- in its entirety, and nothing in it includes what you've said.
+cupera1 Idearly thats all true.
However with a system using 17% of its GDP vs everyone else in Europe using 10% of it GDP while providing wider and better service it simply not true that the effects above will have the effect described.
The system has been corrupted for so long that 7% of the GDP is lost! (not finically someone makes that money)
Therefore Lobbying, Marketing (paying of doctors) to many descriptions and fully profit only run clinics are the causes of it. These are all factors to be addressed.
The healthcare and drug industry is simply too profitable! thanks to a ongoing deregulation for the past 30years.
Q: Is Obamacare Working? A: NO.
deadtv once again...it is better than anything that has ever been implemented before. Also, its not a long term solution...obama cant just say poof you all get free healthcare 24/7 forever...he just made it easier for people with little money to pay for something they rightfully deserve at a price they can afford.
We don't need more tanks....just saying
I live in a town where one of the few remaining good places to work is the tank plant. So of course, in '12 we were deluged by repeat ads quoting Biden saying that very thing. And I agree with him.
So what you are saying we don`t need to supply our armies with necessary equipment anymore? That seems counter intuitive since America has many enemies and with with tensions rising between the USA, Russia, North Korea, China, ISIS and others ,we need to be prepared for when the worst comes to worst. When another country directly attacks the USA, we will be looking at WW3. So, yes we need more tanks for strategic land battles if anything happens. And if something does happen, we might get drafted and I want a tank to protect me.
yippyyippy yoyo
There are currently over 2,000 tanks sitting at a base in a Californa desert so they don't rust. We really do have enough tanks.
On the other hand, actual soldiers have put in requests for personal armor and have been denied. Militay supply protocols need a strong dose of horse sense, instead of supplying accoding to various pork barrel programs.
Since we're sending them into harms way, our soldiers should get what they need, not what some dipsh*t politicaian wants them to have.
Correct me if I`m wrong here, but isn`t it standard military gear for soldiers to have body armor, guns, bullets, a tactical knife, ecc... when they are being deployed. I don`t why the soldiers had to request for something they have in the first place, unless it was damaged or lost on the battle field. Also yes there are those many tanks over in the base, approximately 9000 in storage in the US and an undisclosed amount being used in the battle field and/or also being stored. But during WW2 there was around 50000 tanks being used by the US for decisions based on what the generals and the president wanted for war. And also by your logic Obama should not be telling the military what to do since he is just a politician with power that has never been in the military.
yippyyippy yoyo Do we actually need more tanks, tho? I mean, America spends about as much on defense as the next 15 countries combined, most of whom are our allies.
Russia, China, N. Korea, Iran, and ISIS put together wouldn't even amount to half of our military spending, and that's assuming all of our allies bizarrely decided to just sit out WW3.
We make up over 40% of the world's total defense spending. We're literally prepared to single-handedly take on nearly half of the planet simultaneously.
I don't know... I think we might have enough tanks.
I just want to say thank you!!! I am doing a research paper on the ACA bill and I already had a pretty stable argument, but without your video and sources it would have been not nearly as well designed as it is now. Thank you very much!
Why aren't you and your brother running for president/vicepresident???
I could trust the US in your hands.
WORLD LEADERS 2016
____ underscore The people that run for politics are not the best choice out there. The best for the job will not apply to government because they can work in the private sector for great pay and better treatment. Second, why would the Greens want to subject their family to politics and media that comes with Presidency? That is just cruel.
Gromitz101 Yes, thank you so much for your insight. Especially as we are being entirely serious in this thread, even though we are not. Of course the Greens will not run for president and I'm sure if they did we wouldn't elect them, but as far as these comments go, we are joking and your seriousness is banished. :)
Nothing was mentioned about "forcing" a person to have health care even if they can't afford it. Then getting a "penalty" assessed if you don't have it. I am convinced that is why people signed up, JUST TO AVOID THE FINE! I am battling the IRS now about this and the govt subsidies. IRS also claims that I didn't have insurance. I have sent proof 3 times, each time they have "lost" the paperwork. This who thing, for me has been one big cluster. I had insurance through my employer for 142.50 a week. Yes a bit steep but doable. After Obamacare kicked in, 247.00 A WEEK!!! Seriously, that's what Obama considers Affordable. Now, I have Obamacare through a state exchange it costs me an my wife $173.00 a month but I have a $13K deductible!! Again, how is that Affordable!!!??????
I have medicaid, medicare and SSI.
Before Obamacare I couldn't afford a tooth extraction.
After Obamacare, somehow I still can't afford a tooth extraction.
Not only that, but it's more expensive, and the free clinics reject me because I at least have SSI.
That SSI goes towards my rent. I have no vices.
However I did get institutionalized twice for non-existent thought crimes,
and the tax payer programs were billed $35,000 for 10 days of nothing but people
yelling at me, accusing me of things, and basically engaging in psychological warfare because
I'm of a different socio-political belief system than them: None.
And I have to pay over $1,500 in copayments I can't say no to.
And yes, I tried reporting them for fraud, but my provider is a shady super rich HMO,
and the 10+ Gov agencies I called told me they don't look into fraud or abuse, even though they're oversight
organizations that bleed taxpayers dry by the millions. They all said "go to the courts", and the courts won't even
allow me to petition a look into all of this. No one is interested at all in fraud, malpractice, etc.
And I can't roll off with a malpractice suit because my HMO had an arbitrator clause.
So screw Obamacare, and screw all the liars that said it was going to make things better.
You just widened the gap for fraud and exploitation. That's all you did.
Good job you twats.
Hey. You. Scroll back up. You don't want to be in a comments section about obamacare, no matter what side you're on.
I'm just happy that i have the NHS.
The American health system genuinely scares me. I couldn't imagine living somewhere knowing that it would take me years to pay off my medical bills, even if it was a simple procedure.
Education and health-care should always be government controlled (with the exception of wealthy people paying a premium for better quality).
Are you saying abolish private schools? Also, if you mean federally mandated and controlled education, I'd just like to point out that that's how the Soviets brainwashed their population.
William Stockhecker That's what I meant about that last bit saying with the exception of wealthy people paying a premium for better quality. But for everyone, there should be the option of free healthcare and education (including university), which are paid with taxes.
Also the Soviet's didn't manage to brainwash a country via abolishing private schools. In fact, many soviets were very well educated.
William Stockhecker
In the parentheses he perfectly explained private education. As for your assessment on the Soviet system... have you heard that on Infowars? Take it from someone, who lived under Soviet-type socialism, and was educated there, it wasn't unbiased or democratic, but the Red Army and Gulags existed for a reason, so it's not like a) it was successful brainwashing or b) every public school is like the Soviet system, because that would be bullshit.
William Stockhecker Ah. you do know that the US already has a government / socialist education system. You have the option of a private school. Universal health can be the same deal. Universal for everyone that cannot pay, and private for those that wish too.
William Stockhecker "government-controlled" and "government-run" are two different things... You could have privatised but thoroughly regulated health care and education systems, and still make a point for them being government-controlled.
Strange he doesn’t talk much about the impacts on premiums, deductibles, etc.
So in other words, I’m going to judge it based on what it was intended to do, and not on the unintended consequences of it (which is what the criticism of it was mostly about)
I was 26 full time college student making 30k a year. The lowest rate I can get was 400/month with 6k out of pocket. I chose to be uninsured because it was most of my income
I'd be scared to go on Medicaid. I have a poorly known medical condition, and I'd lose have my existing medical team that has come to know me and my condition and lose significant coverage on medications and, according to some states but I didn't find anything on mine (and it's not an immediate need to know, so whew) but I could and many others have lost the means to travel out of state for proper diagnostics and treatment. I did that four times before I got to the "maintenance" state I'm in. My heart goes out to people who don't have parents or spouses to support them.
I applaud the succinct and on-target report. I'm a career health plan guy (now in the conference business) and never heard a better summary explanation in all the conferences I have attended.
For those living in Massachusetts where health care reform revved up seven years before the ACA launched the health insurance exchanges, it is understood that there are at least three phases of health care reform. The ACA only set off the first phase: reform of the health insurance markets. The next two phases are the ones needed to bring down the cost of health care: changing the way providers are paid plus reforming the health care delivery system to work together as a system.
Instead of paying piece rates like we pay plumbers and car mechanics, we need to pay doctors and hospitals around quality of patient experience, as well as access, efficiency and outcomes. The so called Triple Aim. Check out Dr. Don Berwick and Dr. Marc McClellan, former CMS administrators on this topic, and look at what Dr. Patrick Conway at the CMS Office of Innovation is doing now around experimentation and transformation projects now. The movement is known as Accountable Care.
If you can put together another seven minute video blog about that, I will hire you to speak at one of our conferences. Seriously.
Socialized medicine causes longer wait times and worse coverage. Watch Steven crossers undercover video in a Canadian emergency room. The health clinics close on weekends so they had to go to the emergency room and a guy with a broken arm was told to go home and see a chiropractor the next day. In the USA, there are problems but at least I can call my doctor and get an appointment 2 hours later and get the help I need immediately
People are too scared of enacting a medical "trade-off." People are too content with how things are to change anything. The point is that we can preserve the private market and make healthcare cheaper by having the two-tiered system. Look at the French and Australian systems and how well it is preserved. Single payer may work in some countries but what they don't tell you is about their waiting lists and about how slow some of it can be. But if someone is sick or dying or needs help. I will pitch in and show compassion and help them pay. Everyone can make a difference, we just have to keep an open mind and always be willing to help. John Green, thanks again!
If the amount of money that the U.S. spends on the military was actually spent on universal health care instead, wouldn't we have a better universal health care system then any of the European countries? Also, we already have a powerful military, how much more do we need to spend?
No, then it would be much worse, the only way to a better healthcare system is to keep the government out of it completely. Give taxes back to the people and let the free market fix it.
+Jacob Carter you gotta be joking health care in the hands of free market, sure
Jacob Carter Lift state restrictions on healthcare competition. We've never done that.
+Mrinal Ganash your ignorance of how the free market is always better in every single way amuses me.
+My username is so obnoxiously long and there is absolutely nothing you can do about the matter
nice username
The free market is the right answer for everything, not only does it work better, but it's a civil rights issue. It's not healthcare, it's hospital insurance.
I love John Green, but man, please do not say "a truly free market system where if you show up and you don't have insurance, you don't get treatment." There are thousands if not tens of thousands of institutions in the United States that offer radically cheaper if not free health services. Ron Paul himself was performing surgeries for $3/hour. Charitable organizations are fully a part of the free market system.
In summary, a truly free market system is not going to increase the amount of people who die in the streets because they don't have insurance
Good analysis. However, you left one crucial aspect out of the equation. In 2012 when the Supreme Court upheld the insurance mandate, they struck down the requirement for ALL states to expand Medicade, instead making it optional. Since then, polls have clearly shown uninsured rates have dropped more in states with the Medicade expansion than without. If every state had extended Medicade, the uninsured rate would probably be 2-3% lower than it is now.
Please do a follow up video. Premiums are going up dramatically and price controls are both a violation of the free market and have a massive negative impact on it. Venezuela had market controlled prices on food and now nobody can get any because it cost more to produce so everybody stopped. The reason health care is expensive is because those supplies and highly skilled professionals keep going up in price.
The problem with Obamacare is that it addressed problems the wrong way and for the wrong reasons.
The majority of the uninsured were voluntarily uninsured. They were young people who made the decision not to have coverage. ACA forces those people into the market because they wanted the premiums from them. They are cheaper to cover, allowing their dues to go to elderly and sickly people.
If the affordable care act was just about affordability people would want to sign up, you wouldn't have to compel them to through IRS action. It did nothing to maintain costs, in fact, by requiring coverage for things like maternity care even for gay men and women past menopause, they have ensured higher than necessary costs.
A recent article I read said many insurance companies are requesting to raise premiums by up to 16% next year. This is important in the "affordable" part of the act as the affordability was on the premium side, where premiums were kept down by having unreasonable co-pays and yearly responsibility before the insurance even kicks in.
As for not having an impact on the job market, remember the provisions for employers were put off until after the 2014 election cycle, many folks, myself included, believe that was done to shield democrats from the blow back. We are only 9 months into the year, only 8 months into the fiscal year. We'll see how companies handle this as Feb approaches.
We can do much better than the ACA. I understand the intention. I support the laws against discrimination based on preexisting conditions, but ACA is a bad law written by the very industry supposedly taking advantage of people.
1. American Doctors are paid way too much.
2. American hospitals should use a tender system to buy supplies. The prices they buy supplies with are outrageous.
the AVG cost to become a doctor in the USA is bare minimum $170,000... in a freemarket system why should the government limit the amount an individual makes? That is what the freemarket system does...
If you make a Widget and charge $50 for it, and I make the same Widget for $15 whose company would survive in a free market?
Thomas Hynes
1.never said someone should limit an individuals income. but, in my opinion, giving them a porsche/month is too much.
2.why don't we shake hands and both sell the Widget for 1000 dollars? the US hospitals will buy it. I will take 50% of the hospital and you take the other half.
Thank you for doing this series of videos. Factual and without the screeching of axes being ground.
Although, today, utterly irrelevant.
I'd have to say I've learned so much more about what the ACA in this video than I had all day trying to find out what the heck it actually is. I fully admit that I am an LIV and I don't want to make decision on which candidates I support too quickly (the only current candidates I consciously oppose are Ted Cruz...from my home state nonetheless [even though he admits to being born in Canada] and Donald Trump because he's absolutely bonkers). I still don't have an opinion on the ACA as there's still more to learn in the details, but I get the general idea why some oppose and some support it. It has managed to improve healthcare for many but still failed many others. Thank you John Green, your Crash Course videos have helped me in History II and I look forward to Paper Towns! 8D
Canadian health care system = VA Health care
Isn't there a choice of private providers?
I cut my finger a month ago...tendon was cut...the emergency room sewed me up and said go to another hospital for tendon repair....i went and they said come back a week later...i came back and then they told me my insurance was the wrong group....i went to my original clinic and they got me a referal 30 miles away...i went and now i have a surgery appt...for OCTOBER....during all of this i asked EVERYBODY i met in the hospitals and offices and ALL of them say Obama care is a complete disaster
The end of the video is super important: "Trade offs are messy. You can get reform more easily and more cleanly, but no necessarily while preserving the private market. You can make healthcare cheaper, but not without imposing even more regulation. You can insure more people and make it cost less for everyone, but not without spending more tax dollars."
Detractors of the ACA don't seem to totally understand that. They expect the ACA to fix the problems (reform), make healthcare cheaper for everyone, and insure more people, but get very angry when it imposes regulations, spends tax dollars, or hurts the private market. There's always a trade off, but for some reason the ACA has been held to an expectation that no trade offs will need to be made. Many people will complain that rates have increased and their ideal policy has changed, but fail to consider that the point is to try and reduce the burden of healthcare on taxes and allow the general public to become insured. We know it has succeeded in the latter, and is struggling to do so in the former.
If anyone wants to directly source the "health insurance premiums have risen at lower rates than before the adordable care act was implemented" fact, it's not directly available in the source listed in the description. The source in the description sources itself off of a Kaiser Family report and the relevant information can be found on Page 1 of the full 244 page report. page 17 in the pdf i believe.
I can't get behind this law whatsoever. It kills the middle class. If you don't qualify for subsidies, the you're out $2400/m for a family of 4. My parents said screw it, got a bare minimum 'catastrophic' plan, and just pay cash for all Healthcare.
+Tanner Harman It's really a middle class killer. Without a doubt. If you make no income, or in the poverty level, your covered by medicaid. No worries there.
Too many people are in-between line where they make too much for medicaid, but too poor to afford the affordable premium and deductibles. It's really awful.
I'm British and, dispite its faults, I think the National Health Service is one of the best things about my country...
pretty much every non-American would agree that UHC is the best thing for lowering national healthcare costs overall and providing good healthcare for anyone who isnt super rich (i.e. 90%+ of the population). It must be horrendous to have it in the back of your mind that if you or a family member get ill or are in an accident or something, you could well be bankrupted. US always has to be the "exceptional nation" though, doesnt it?
Pre-ACA US healthcare was bloated, inefficient, and dated. The ACA was the first major legislation passed since the 1960s Medicare and Medicaid. While the ACA has major flaws and issues that need to be resolved, its a step in the right direction to modernize American Healthcare.
What about now if I don't have health insurance I have to pay a fine to the irs?
So if you do NOT have health insurance for 2016 then you pay the penalty, wait the tax, no wait the penalty...wait was it a tax? No the ACA says its a penalty.
So how does the penalty work? You may go 60 days with out insurance ( 2months) and there is no penalty. Then it kicks in... the fee is $695 or 2.5% of your income - whichever is higher
So Joe Smith ( in my state) who makes $17,000 a year would either choose to pay
an avg monthly cost of health insurance of about $100 per month with a $400 subisdy or choose to pay $695
so lets work this out...he either pays $1,200 a year for insurance, with the potential of having to pay back some if not all the subsidy or $695
now... if I were making $285 a week x 4 = $1307 a month
Lets see
AVG apartment cost in my state for a 1 bedroom is about $600 in a bad neighborhood
Electricity $70
Phone $45
Internet/Cable $60
Food per month (single person) $60
Transportation (given he has no car and uses the bus system) Bus Pass $65 for the month
Total $900 a month leaving him with $400 left over every month
I am sure there are other things like
Credit Card Payments
Loan payments (maybe)
Clothing
and other expenses...
If I were Joe I would opt for the penalty its cheaper and would save him money.
In some cases this is true, not in all. Also, paying the penalty is fine if you are healthy or know that you won't become seriously ill or have a serious accident (And if you can know that, I want in on that action!). But paying the penalty does not mean you don't have to pay for whatever treatment you receive. No insurance, and you get cancer, you can expect to go bankrupt.
So here are the rules to the IRS FINES
Any individual that goes with out health insurance for more than 60 days is subject to the penalty for 2016 of either $695 per individual/ $325.50 per child or 2.5% of total income which ever is greater to a maximum penalty of $2,085.
For tax year 2017, the percentage stays the same at 2.5% however the $695 flat rate will be adjusted for inflation and will increase.
If you do not have health insurance for 60 days but then get health insurance then you can avoid the penalty
If you say get health insurance for Feb 1 and drop the insurance in November then you are subject to the penalty because the 60 days are not consecutive days for the year.
There is a RULE with in the ACA that is now being enforced, the rule was always there, but for the last three years the IRS has let this rule slide by, and have not really enforced it. However there are cases for 2016 where the IRS is penalizing those individuals who work, and their job offers insurance, yet the person opted to take the Insurance via the exchange with tax subsidies. Here is the Rule
Joe works for XYZ company that offers health insurance for him and his family. The lowest cost plan offered by the company which would be similar to a Bronze plan would cost Joe lets say $50 per pay period or $200 per month. The Lowest plan has say a deductible of $7000 and an Total Out of Pocket of $5000
Joe comes to the exchange looking for a better deal, find a policy that would be with TAX SUBSIDES, the APTC's and Cost Sharing Reduction CSR...the plan has a Deductible of $800 and a Total out of pocket expense of $1000
And the policy with subsides would cost him say $50 per month
Joe sees that the Exchange plan is a MUCH BETTER DEAL - FALSE
Lets say Joes income is $800 per week ... JOE is NOT, I REPEAT not eligible for TAX CREDITS because his employers insurance is deemed affordable.
The rule is 0.0966 x Income = Affordability - the RULE does not take into consideration that it would cost him just $50 and the wife and two kids $100 per individual for a total cost of $350 per pay period for health insurance. The rule states that if it is affordable for HIM and HIM alone that is the plan that he should enroll in.
It is true however that Joe could take the exchange policy, however he would NOT receive TAX SUBSIDIES for that policy, this would in turn make the plan on the exchange jump from $50 per month to the full cost of the plan of $800-$1500 per month.
THE ACA does NOT CARE what the deductibles are, co-pays are or Total Out Of Pocket Expenses are ...its the cost of the insurance and the fact that policy meets the Minimum Value Standard ... Meaning a 60/40 plan.
IF an individual LIES and says NO my employer does not offer insurance, the IRS will FIND OUT ...
The IRS then sends a letter to Joe's employer informing him that his employee is receiving TAX CREDITS
The IRS then informs the employer that a fine of $_____________ will be assesed if not corrected
A Letter is sent to JOE to correct the situation, informing him that his subsidy will be taken away, and any and all subsidies will have to be paid back to the IRS
Insurance is a RISK, how much RISK are you willing to take on 100%, 50%, 25% 10%. Each of those percentages comes with a cost.
So lets say Joe is really unsure about getting insurance, and lets say that insurance he is looking at is a Bronze plan with a $7100 out of pocket and a $6500 Deductible.
remember this though...even with those figures
the Annual Exam, vaccines are covered at 100% regardless of meeting the deductible or not.
So Joe gets a Bronze plan and pays $40 a month (and yes this price is out there depending on the individuals subsidy amount)
lets say Tom gets no insurance and OPTS for the penalty.
Lets say JOE and TOM have the same accident, a knife cut to the palm of the hand that requires stitches, and they both go to the Emergency Room because its a really bad wound.
Lets say the ER, Doctor, Medicine, Services come out to be $2500 each remember JOE has Insurance TOM does not....
JOE does not pay the $2500 because the insurance company has negotiated rates with the providers, so the insurance company says wait a moment, you can only charge JOE $1000
TOM who has no insurance has to pay the $2500 because he does not have the negotiated rate , Now in all likely hood TOM would still get a discount of 10% if he pays in cash and upfront or put on to a payment plan. But he is left with a much bigger charge then JOE
So even though the plan may have HUGE deductibles, it is still to JOE's Advantage that he had the insurance because he paid less than half of what TOM did putting money in his pocket.
I am not agreeing or disagreeing if the ACA is FAIR or RIGHT...my argument is it still wold be cheaper in some cases to get insurance then to have to pay the penalty.
Remember, a person making $30,000 is going to pay $750 not the 695 penalty,
the question is do you in this case as JOE spend $480 a year for insurance to get cheaper costs or not...its all RISK...how much are you willing to RISK.
One of the massive problems with the plans provided by the AMA is that [at least locally, Florida panhandle] many doctors are refusing to accept plans provided by it. This is, by my limited understanding, mostly because the plans pay less for procedures and doctors just can't handle making less money, apparently - though it is worth noting that some are basing this refusal on ideological protests.
I recently had to see a neurosurgeon for a spinal injury and the one locally that was actually taking patients up and shut down his practice.
I was denied b/c of adult acne. Which was really awful because the MS was getting worse; I couldn't afford the MRIs to see if the medication (that I also couldn't afford) was working.
I am a liberal, but I almost hope that a Republican gets into the White House just so that ACA gets repealed. What kind of "Universal healthcare" penalizes you for not signing up??? If I don't have healthcare, I have to pay hundreds of dollars in fines to the IRS. In the words of John "Are you ready?" Roberts, it's a tax. Why would I want to pay more taxes?? In what country do they offer Universal Healthcare and penalize it's citizens for not signing up?? Not in Canada.
wait wait wait, you wrote that book that was made into the movie of the poster behind you....and you don't make enough money for your own health insurance?????
+scottdpt12 I doubt it.... I think he just want to sell his ideology
Obamacare doesn't equal free healthcare, everyone still has to pick and pay for their own plan. Low income individuals get help paying. This guy most certainly makes too much for the aid and therefor pays for the insurance himself.
What Accualt said. Obamacare gives what little aid it was allowed to give to financially vulnerable people while fiddling with the rest in terms of pre-existing conditions, required coverage, and price changes.
Also, one thing that ACA was supposed to rely on was expanded medicare/caid. That didn't happen in all the states though, so you see a lot of people who can't afford Obamacare, but "make too much money."
(To be fair, cost of living isn't really accounted for and that's a huge factor in affordability as well.)
This is all a simplified explanation, of course.
+scottdpt12 After all the information you received, that's the best insight you have? Kind of sad.
He does, he just cares about the country and the people in it and not just himself.
In general, the ACA is horrible. I didn't have insurance before it and I still don't have it. I just can't afford it, the website actually automatically sent my information to my state's medicaid office, which denied me immediately. We need universal health care in this county, it is a basic human right.
ACA caused premiums and deductibles to skyrocket and I'm $30K in medical debt plus I have to pay a penalty for not being able to afford "affordable " care act. This is a complete disaster. So...what drugs were you on while making this video????????
Shame on You for posting all these lies on your channel!!!
+henoch44 I wouldn't be surprised if people just quit their jobs, get on welfare/medicaid. The way this Obamacare is running is seriously disastrous for the working/middle class.
+henoch44 I'm confused. You say that the ACA costs skyrocketed as though you were paying for a plan, and then ended up $30k in debt. Then you say you are paying a penalty for not having insurance? I'm sorry to hear about your debt. I'm just not sure where this is going. What insurance did you have before the ACA, if you had it? Do you think it would have cleared out that debt? Long before the ACA, the major cause of bankruptcies had been due to skyrocketed medical costs. I'm only stating that I'm not sure without the ACA, even if you were on it, the problem wouldn't have been the same or worse. I am sorry for your troubles though.
Kemp Kennedy
I had a surgery while I was waiting for ACA government website to get fixed. I pay penalty until today because I don't have insurance.
+henoch44 lol the numbers show that Healthcare has been increasing in price for decades now. it's increasing prices has been proven to be increasing slower than ever before. for those saying their same insurance is more expensive now before: it would have gone up even more without the ACA. it barely changes the industry ,which is why most ppl want a single payer
Prooven increasing slower?????????????? No, it skyrockets since obamacare. It would not be faster without "affordable" care.
One more thing, I have to pay extortion when I don't get any insurance. That's illegal.
Government is the problem, not the free market. The reason prices and premiums are so high is because we don't care how much an ambulance ride costs. It's $6000 in Minnesota by the way just to go across the street.
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My comments will really anger people on both sides.
The ACA didn't benefit me. I lost my health insurance business. Expanding the current Medicare system for all Americans would be the best solution.
Such a good deal that if I don't play along with it a man with a gun comes to my home and puts me in a cage.
You know, freedom.
I've shadowed in various health care settings and I can tell you the best health care plans by far are by private insurance companies. Personally I wish that the government would provide subsidies for people to buy private insurance. The great thing about it is that multiple companies have to compete with each other which forces companies to want to give customers a better deal. When there's a single paying system, whether public or private, they can make it as terrible as they want because there's no one to compete with them. I'm all about regulating prices to drive down costs (one big reason why health care in America has such overpriced health care), but having a single payer system is not the answer.
This segment was so selective with its cherry picked facts that it borders on pro ACA propaganda but to your credit you were never shy about your pro socialized medicine stance and you're fawning adulation for the Canadian system. If you really want to see how good the Canadian system is just go do a cardiac ward in Buffalo New York and see how many Canadians are there. The serious stuff in Canada has a very long waiting list.
The 'if you get shot' universal health care, sadly will be used far too much in the US, because of the monumental amount of gun crime there.
Jesus loves you all, he is not a fictional character made up, but real and he died for us we could just be with him and give him a chance in our lives.
???
Nonsense. The root of the problem with our healthcare is our laws. ERs have to treat you no matter what. If you go in for a paper cut, they have to treat you and you'll end up with a $2000 bill. The person without healthcare will never pay it and there is little they can do about it. The ER should be for emergencies. If it is a none emergency, they should be sent to an urgent care facility or their family doctor. Lawsuits are also an issue and raise the cost. There should be limits on the amount as some states have already done. Drug prices are high in part because of lawsuits. If the FDA approves a drug, there is no reason why that drug company should be sued. Finally people need to be held more responsible for finding the lowest cost for healthcare. Right now you just pay your copay and the insurance pays the rest. Do away with copays and go by a percentage of the total bill and make the patient pay it. This will make people shop for the best price, thus creating competition which will lower the cost.
Well, you mentioned that it doesn't "seem" to be bothering the job market. My personal experience has been contrary. Employers are no longer employing people full time, they are downsizing. I've met educators whom have more than one job to make up for the cost incurred because of the new law.
With all due respect, people with REAL jobs...honest, blue-collar folk probably wouldn't 100% agree that it hasn't affected them negatively to varying degrees. I too, signed up and I won't lie about it...the penalty costs less than the premium (for me, anyway).
Which leads me to this question, how many times can/will they penalize you before they actually try to arrest people for not participating?--Because that could very well happen.
My company is working on mass lay offs this year, they were nice enough to be honest and say obama care was the reason. They can't afford to insure full timers and it is easier to make everything part time. Thanks Obama! Looking forward to being laid off soon. Also my copays went up so high I can't afford doctors appointments. So I work hard for ten years and still can't afford health care ever with insurance. If only I could go live in mexico, become fluent in Spanish, cross back across the border illegally and live like a queen on benefits.
Maybe if this country didn't spend so much on the military, we really would have universal health care. I have to pay 547/month for the bronze care which means i still have to pay 40% of the bill.
If the ACA gets repealed, my dad will die. Simple as that
I hope your dad gets better
Everyone dies. Maybe you should ask your neighbors to pay your Dad's medical bills. I'm sure they wouldn't mind if they think like you.
In Brazil, we have a universal healthcare sytem (SUS) and it sucks. People die by heart attacks in lines waiting for doctors and don't have rooms, only stretchers along the hospital corridors. That's exactly the problem of a socialized sytem. We should have a free-market healthcare, instead.
I'd love to hear an update on this. 2016 is the year that all ACA regulations are rolled out right? I've been having trouble finding a PCP for my GOLD exchange plan. The first one I selected from the available doctors was no longer practicing at that office, so I opted to select a different doctor from the same office, but then I found out that they were going to be going out-of-network in three months. I spent weeks going through the list of doctors on UHCs website and most of the doctors either never returned my call, no longer had a private practice or were going (or already were) out-of-network. I feel like I got robbed the first month. I couldn't see a doctor because I didn't have a PCP, but it took me a month to finally get a PCP selected.
I spent many hours researching doctors that UHC listed on their website only to end up settling on the only one I could find that accepted my plan. It was very frustrating. I thought selecting a good plan from the exchange would make things easier and less frustrating.
If your current system is more expensive than universal health care, then just get universal health care. Problem solved.
SilentBudgie you can't if you make too much. And if you don't pay for the expensive premiums you get fined or a lean put against your property. Which is some cases is a business
Erik Larson That's why I said to get universal healthcare instead.
I've been in Japan for about 10 years and pay next to nothing for health treatment! love it. A root canal cost me about $10, checking my health at the doctors less! My friend in Japan has cancer and wouldn't be able to afford it if it wasn't for a sensible health system. Can't imagine going bankrupt over health issues... so sad!
we need a 15 year update fr
Solution: Stop spending money on insurance and put it actually into public healthcare.
The reason other countries spend less on healthcare is due to a lack of insurance companies middlemanning the whole system.
Came here looking for info on the ACA and sub when I realized it was the same guy from crash course in history. I freaking love His portion of crash course.
No, it has not worked. I owe $365 this year out of my Tax Returns for not having health insurance, and I don't have health insurance because I only work part-time with inconsistent hours and every healthcare plan in my state is too expensive. All it's done for me, as well as my parents back in South Carolina who are struggling to get by, is fuck us over. All the ACA has done is strong-arm some people who didn't want healthcare to get it, and punish those who can't afford healthcare.
If doctors and hospitals would publicly post what the price for a particular service the public could make informed choices and comparisons; moreover, they could budget and plan. Currently, I walk into the doctors office and I have no idea what bill I will get in the mail. Why can they not just have a sign posted when you walk into the doctors office level 1 visit is billed at $125, level 2 $175, level 3 $225 or whatever the costs?
The "affordable care act" shut down my insurance plan even though Obama promised we could keep our insurance plans. My blood tests used to be $0 copayment now their $50.
Look at the history of health insurance as a business so you will understand it a lot better and how we have gotten to this point.
I pay for private insurance for my family (myself, a wife and one kid), and have for years. We use one of the major national insurers. During the years following the passage of Obamacare, my premiums slowly doubled.
Every year, I'd receive a letter explaining why the premiums were going up, and every year they blamed extra cost due to Obamacare compliance.
I never noticed any change in my level of care, but the premiums kept going up, eventually literally doubling. Unless my insurance company (one of the largest, if not the largest in America) was lying to me and millions of others every year in writing, Obamacare has proven to be a steaming pile of dogshit.
@ Obamacare made everything worse. Prices that were gradually increasing skyrocketed. Obama was voted in twice because his opponents (McCain and Romney) were insufficiently right wing to bring out all the conservatives.
I knew shit would go wrong as soon as Obama said he wanted to "fundamentally transform" America. He was a horrible president.
The economy was in recession for his entire 8 years, remember? Oh yeah, and Putin took Crimea from the Ukraine in 2014 and Obama did nothing. Nothing!
Plus, he turned a blind eye when Hillary broke Federal Law by using her own email server for classified communication. That's just blatant, obvious corruption.
The cost of medicine in the States is so inflated it's ridiculous.
ACA is dumping the cost of healthcare on the middle class, who are forced to pay for it while not being able to afford it due to making too much for healthcare credits.
Health insurance premiums depend on how much money you make. it's mandatory and not cheap. It covers 70% Doesn't cover hospital room fee.
17% percent of our GDP? This fits with the 80/20 effect I heard about. In this case 20% percent of the population is using 80% percent of the heath care. If we spend 17% percent on health care then 80% percent are not using it.
ummm, no, our current healthcare is still the worst of both capitalized and socialized healthcare. We have the benefit of neither system. Either adopt one system and go with which sounds easy except; Too many pharmaceutials, hospital groups, insurance companies, medical records, medical billing, etc have their hands in the govt cookie jar and no one wants to let go. Either TRANSPARENT cost across all healthcare sectors with the ability to just buy catastrophic insurance or single payer system. Solutions are easy, getting people to agree to them, means hurting their business is not. Also, doctors hate being forced to become glorified data-entry clerks so that the govt and insurance companies can data-mine your private healthcare info. Why did you think govt (with insurance lobbyist) required electronic medical records? It was not for expediency; you can't transfer complete info from one EMR to another EMR. Doctors could see more patients if we do less data entry; I say get the info from the patient, it's their consent.
Agree almost completely for once. Just in a true free market system healthcare would probably be given based on if they think you can pay. Maybe you can go into debt even. But it's based on what they think.
Maybe there's a localized fund for these people which citizens pay out of generosity. Which would happen presuming you have citizens who would want to help people right? Democracy works like that right? Wouldn't be a contrast to universal healthcare if that weren't the case right because if there was a contrast it means you had a very different population suddenly.
Regardless I'm for universal healthcare, we have it here and the problems with unhealthy people is rather big when you consider the costs to society. Road deicing is also one of those things. People tripping and breaking stuff is simply not worth it when the investment is such a relatively cheap alternative. At least I'm told. Have obviously not done true estimates because that's hard and a lot of work. I've read that in the papers.
John you look like a big fan of the Fault In Our Stars.
You said, "For the vast amount of people, nothing's changed." The mention of employer based insurance costs rising on working people didn't come to mind? Big companies moving from HMO/PPO's to high deductable plans?
me and my family are without insurance by choice because it is far cheaper than obamacare or insurance even if we get injured (which has happened since obamacare got passed [and it was pretty bad too, a garden stake into my throat]) and that being said, I don't think a lesser amount of people without insurance is a good way to do the numbers here. I know quite a few people that really did not want to get obamacare but were sorta forced to and all it has done for them is make them pay like up to 5 times as much as they were paying beforehand. basically I think that health care shouldn't require insurance (just payment) and that if you can't afford insurance, then tough luck. we are raising a ntaion of babies (not all inclusive just in general) where people expect to have their health taken care of by others when it is there problem, along with a whole slew of other things, which is why I personally think that obamacare was pretty stupid.
Update...big insurance company's are leaving Obama care. And if you have it don't go to the hospital or docs office.
Can you post a rebuttal to this video now. With premiums skyrocketing and insurers dropping out.
Josh Freeman lols,
The whole preexisting condition thing is the best part about Obama Care because when I was in junior high she switched insurance and they refused to pay at all for her cancer treatment because pre existing condition and now that she has a different cancer she doesn't have to worry about this
gothicanimegirl44 and now people who can't sign up to medicare are forced to pay a fine.
Actually forcing insurers to cover pre-existing conditions is one of the worst tenants of the ACA because it makes the insurance market unprofitable to insurers which causes them to leave the market e.g. United Healthcare and Aetna. These companies MUST turn a profit to provide a service. I know it sounds morally reprehensible but its a fact of reality.
I wonder how it is that some people claim huge increases but yet the average annual increase across the board is a third of what they were before. yes it's so increasing but a lot less than before.
so most individuals in my state who got their insurance through the exchange in 2016 paid about $325 a month for a policy...this year that amount is going to be somewhere near $435 a month.
How does someone who earns $17,000 a year afford that and still pay for
housing, food, clothing, electric, transportation etc...???? they don't
Thomas Hynes how does anyone making $17000 a year survive at all not counting healthcare.
Its possible, its not easy put it is possible. I know been there done that.
His view on tinnitus, acting as if it's no big deal, pisses me off. I've had it since I was 14. I'm 17 now and let me tell you, you learn to live with it but still yet, there is a LOUD ringing in your ears that never stops. It gets worse with loud noise, and it nearly disables you're ability to focus. If you've ever shot a gun without ear protection and your ears started ringing for a little while, imagine if you had that same ringing for the rest of your life and it never goes away, and there is no cure. Just something to think about before you go bashing on people with tinnitus and act like its not a big deal.
as always if you throw enough money at a problem something will change... pre-existing conditions did not need Obama care to fix that problem.. just like state exchanges did not need Obama care fix that problem. what i took away from this
. If given enough money the government will make it better.. even though the government sucks at everything..
This is how things work in Spain... University is almost free, 2K per year. Most hospitals are public and that's pretty much the only place where a doctor can work. Doctors get paid 50K a year and that's all, they get rich, but not super rich like in USA. If doctors get paid 200K a year and nurses get 70K Healthcare is never going to be affordable.
The State pay for your education, and you pay it back working for a small salary.
I think it may be slightly counter-intuitive to force people to buy into a system (insurance) that isn't really all that affordable. I'm generally against adding anything to government, but a single payer system may, in just this one massive instance, have been a better idea (not that I think either is really the best idea, but not sure what is). Almost seems like a bill the insurance companies would have some vested interest in?
Once the Care act passed, my employer had to switch us to a cheaper quality insurance and our deductible shot up…
Subsidize the cost to insure people from accidental deaths & injury. Make the cost to insure people against non-accidental deaths & injury optional and free market based. Majority of the health costs in the US is the result of what people choose to put into their mouth. Subsidize whole, plant-based foods.
In other words, private companies are both the hindrance of progress and is what may promote progress.
Even medicare is pretty crazy especially for disabled people on ssd or elderly relying on only social security, I only make 800 something a month on SSD, I have to pay 105 a month as a base, then more on top of that for medication coverage as well, (like 60 bucks), which is over 20% of my income right off the start. Then I still have 150 dollars per month to pay for meds (7 different meds) and 40 dollar copays for specialists (3 specialists) and 20 dollar copay for primary doctor. This totals out to nearly half of my income going to medical costs per month, with medicare.
I'm disappointed that you didn't mention the individual mandate or the fact that there are many reports of people's premium increasing exponentially
If you cut out the insurance middleman, would that free up enough money to actually afford affordable health care?
Sarah Dean Our insurance premiums went up by over $2000 per year for a family of four with no conditions whatsoever. Now, we can't afford the co-pay to actually go to the doctor. And Heaven Forbid we actually get into an accident since our deductible went from $5000 to $10,000 per year. How is that affordable or useful? We go when we are sick (each of us goes maybe twice a year) because we can't afford anything else. The health insurance was for births in case we had to go to the hospital, but we paid $1,500 per birth out of pocket, too, since we had them at home (we had healthy pregnancies and were within 5 minutes of our hospital that had a terribly high cesarean section rate). The only insurances we get anything out of are dental and vision, since we get cleanings and glasses.
I love John Green's videos and find them to be among the best educational video from a liberal bias one can find. It's unfair to ask that he objectively consider all points of view fairly in a 7 minute video, but he doesn't seem to have even the most basic understanding of free market principles or assumptions and he then fills that hole of ignorance with cliches, strawmen and bromides. For instance, in this video he claims that people would basically just die if there were a free market in healthcare as if dying were the only possible free market outcome and as if world economic history has no examples anywhere of free markets making expensive and scarce things cheap and abundant and easier to consume for an increasingly broad base of customers. I find liberal bias easter eggs like this in almost every video he has ever done (and I have watched many). I think John would be a better teacher if he left his hall of mirrors every now and again and exposed himself to a broader range of ideas. As a start just search for Clayton Christiansen here on TH-cam.
There's an old saying, "Give a man a fish and you feed him for a day; teach a man to fish and you feed him for a lifetime." People should want jobs not entitlements.
Facts without bias. I love this channel.
4:10 Jesus, why do so few people understand that insurance companies are not the problem, so "more competition" is not going to help? It's the hospital groups that have all the market power. ACA did absolutely nothing about that.
I'm 23 , I have Crohn's Disease, and require an expensive medicine called remix aid to help me, plus yearly colonoscopys. I luckily work at UPS which has a decent healthcare but only really offers part time for only a little below average. Even still I still have to pay for certain tests that, the insurance companies might decline as unnessecary, even though my doctor said I needed to take the test to see if I can take remicaid.
Bernie Sanders for president. I would like not to be enslved to a large company please.
Remember when the next craze hits like Tide pods, you are paying for their health care