MrRodgers
Posts: 10542
Joined: 7/30/2005 Status: offline
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quote:
ORIGINAL: DesideriScuri quote:
ORIGINAL: MrRodgers quote:
ORIGINAL: DesideriScuri quote:
ORIGINAL: MrRodgers As I have written repeatedly, the ACA is simply a mandate for everybody to purchase health care insurance, thus including the young and healthy that would not otherwise purchase it. This is a proviso that becomes then a catering to the for-profit health care market and results in a windfall to the biggest firms that are able to spread the risk among the most policy holders. (all insurance is merely a transfer of risk) Many millions simply cannot afford to purchase this insurance, healthy or not. So govt. steps in, not to guarantee insurance anymore than to guarantee a profit as a direct result of subsidizing what would otherwise be...un-affordable premiums. The major effects of which are then no different then if there was no mandate and only those who can afford healthcare would be held to the mandate. The subsidy is merely a dominant requirement to justify the complete mandate and to provide those profits. The act is misnamed no differently than all of the job growth and economic growth named tax cuts that resulted in the worse 8 year (2 term) job creation period on record from fiscal 2001 to 2009. The overall debate of a mandated collective health insurance regime otherwise known as govt. run single payer system, is rendered and propagandized as something alien to the alleged preference of that illusory free market benefit when govt. will not even insure...there is a free market complete with full competition. This even in the knowledge that for the country as a whole (and economy) such a regime is more cost effective but from a resulting lower return in profits. This debate is deliberately held separate to the obvious and rather expensive illusory benefits of our collective social contributions to say, defense, banking and agric. which we are told is necessary for the protection of the economy, the country and the unpredictability of agriculture without the fallaciousness of it being more cost effective which of course because...it is not and quite deliberately so. The ACA thus is not health care reform at all. It is the 'Health Care Market Mandate and Subsidized Windfall Profit Act.' What could possibly be better than government not only forcing you to buy [my] service but even subsidizing anyone's inability to pay my high profit-prices ? Call it right or left for whatever politically partisan motivations you may have. (same mandate offered by the repubs in 92/93) I call it very, very profitable which is the only reason we are here. Gotta love free market capitalism. [sic] I truly believe the only way single-payer is going to happen here, and costs go down, is if government actually ends up owning the providers, too (like the NHS in the UK). Current hospitals won't accept the reduced reimbursements needed to bring our costs in line with other gov't-run health care systems. They'll opt out of accepting government insurance instead and only accept cash or private insurance. Talk about a clusterfuck, if that were to happen. I truly do think government is going to have to take the whole damn thing over, including being the employer of the workforce., for this to work here. And, I still don't think there is Constitutional authority for government to do that. There would need to be a Constitutional Amendment for that. And, as crazy as it might sound, I'd support the Amendment. Well [it] will never happen here because of the financial/political power of the profiteers. But you are wrong, govt. doen't have to own the providers. Look at Germany's multi-layered, multi-payer system. There are 3 forms of competing providers, private for-profit, non-profit and govt. providers. Then there are about 130 competing insurance cos. competing for your business even though it is mostly the govt. paying them. They compete on what they will provide, how fast and how skillful. Depending upon who you read, between 10-12% opt out and have private insurance. So it's possible to have a market-based for profit health insurance regime where through payroll deduction and some pay on the edges in a govt. mandated system that is much more cost-effective than the US system without govt. ownership of the means of provision. (production) Govt. insures and provides for defense, banking and agric. without owning those market producers. Agriculture is fucked up. Price supports lead to some farmers being paid to NOT farm land (anecdote: I used to call on a farmer in a former job. He had hundreds of acres, but also took care of his neighbor's small acreage (30-40 acres, if memory serves) as it was right next to his own. His neighbor would let him plant and then they shared the revenue from the crop. Some years, his neighbor would not let his land be farmed because he was getting paid by the Feds to not plant that year.) Because of all sorts of price floors and guarantees, the Federal government spends an incredible amount of money where it shouldn't be. Yes, food prices would rise, but then, we'd actually have a more free market for food. Banking? The Federal Reserve runs the banking industry. The FDIC might insure funds in banks (up to a cap), but the government isn't insuring or providing for banking. Defense is an authority granted the Federal Government by the Constitution, so it's quite a bit different. I know we can't prove or refute this, but how much would stuff cost if the Federal Government took over the making of the equipment for defense? The FDIC is similar to Fannie and Freddie, an implicit govt. guarantee. Bankers pay a govt. mandated insurance premium to the FDIC and [it] insures bank deposits. Often in history, those premiums were insufficient to cover bank failures. The FDIC then seeks funding from the treasury. When that required enabling legislation, the RTC (resolution trust corp.) was formed. The RTC was formed to essentially lose $400 billion of taxpayer money to bailout the S & L's. Why can't the people pay a premium to the govt. and get health insurance in the same manner ? 'Medicare for all' with price controls. Health care for all and it would be done deal.
< Message edited by MrRodgers -- 12/20/2015 7:11:24 PM >
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You can be a murderous tyrant and the world will remember you fondly but fuck one horse and you will be a horse fucker for all eternity. Catherine the Great Under capitalism, man exploits man. Under communism, it's just the opposite. J K Galbraith
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