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  1. What does Medicare cover? What does Medicaid cover? What does insurance for federal employees cover? What does insurance for retired veterans (TriCare I think it's called) cover? These would be decent starting point for a discussion.
  2. And if people don't pay it, then just no insurance? Any public subsidies or everyone for themselves? Just asking.
  3. So throw everyone out there on their own? And you're going to prohibit employers from offering insurance? From paying people in the form which they want? The only thing the federal government has to do with it is making it tax-exempt. I doubt that changing that would make all these companies throw their employees out on their own.
  4. Things that can be worked out. Rather than throw stones, what do you propose. For a hard problem it's really easy to say, "Yeah, your idea sucks."
  5. Is this true? Is this separate from the Medicaid expansion? Because from what I've read the federal government pays 100% the first 3 years then 95% in year 4 and bottoms out at 90%. Which is really different from no longer flowing. But these may be different things; correct me if I'm wrong.
  6. One thing to bear in mind is that there is no advantage, none, to use the exchanges if you don't qualify for subsidies. The insurers are required to offer the same terms on the exchanges as they do in their open market individual plans. And having looked into it for myself, the insurers that show up in my area and are the exchanges aren't some of the most credible insurers. So when I buy insurance on the open market, as I'm required to, I won't show up as a person enrolled through the exchanges. Some of those exits could, and probably are, people exiting due to the insurers pulling out.
  7. Without drilling into it or thinking about it too hard, the most workable solution would seem to be universal, single payer basic coverage. You sweep in everyone so don't have the problem of cherry picked consumers. Your base is far too expansive for hospitals and doctors to be really able to say, "Well, we only take this private, super insurance." The biggest obvious obstacle is getting the political will over the insurance companies. Which is no small matter.
  8. They were going to make up the 50+ crowd by taking in the 30- crowd. The 30- crowd have just been going without and maybe paying the penalty. In a nutshell, that's the problem. It's not only an issue in the exchanges. Aetna has exited the individual market in New York altogether.
  9. Sounds like the FFA. The question is, then, where to go from here? What looks like is causing the exits is the requirement that they can't turn away people for pre-existing conditions. Those enrollees just cost too much money and they're not getting all the younger, healthier customers to make up the difference as was planned. Rather than sling stones, what do people propose? If the answer is tear it down, are you proposing to do away with the pre-existing conditions bit? Take away insurance from however many millions of people? Because I can't see those last bits of being politically feasible. Even some of the politicians most critical of Obamacare have said that they liked those bits. Or at least enough of their constituents do that they say they do, too. I'm not sure what a great idea a public option is. So the insurers pick up all of the healthy, profitable patients and leave the public on the hook for the bad, expensive ones? Sounds like the arrangement on student loans which was kobosh'ed early on under Obama. Get private insurers out of the business altogether? Have the government provide basic coverage for everyone and then let the private market offer supplemental insurance for those who want super coverage? Rather than talk about how much it sucks and how awful is going, what do you people think should happen moving forward?
  10. I haven't gotten around to making anything out of it yet, but bought this book and some of the stuff in it looks amazing: Put this thread up 5 years ago. Made it a few times since then. Amazing every time.
  11. Anyone mention yet that the last few years the leading Republicans have been saying to keep the pre-existing conditions bit and just drop the mandate? Which, of course, would make this stone fall even faster.
  12. Just a phone call. You call to cancel the card and tell them it's because of the fee and they'll sometimes suggest it themselves. But if you ask for it, they'll almost certainly do it.
  13. Sometimes. Nowadays I've gotten into just asking them to transfer my available credit line onto one of their no-fee cards. Keep the available credit line and length of relationship. The Citi card was the first one I outright cancelled in a while and that was just because they pissed me off.
  14. Gotcha. I was looking at the fine print on the bottom.