blobbohen said:
The insurance issues within our states came to be so bad because of the passage of the McCarran-Ferguson Act of 1945. Reading the information from my above link would have informed you of that. Don't be so rash, chum. The data is there. You just aren't even trying to understand it.
Right, I didn't read it. Hey, I know I admitted to not reading the health care bill, so maybe you're safe to assume here, too (just as you assume my solution will be to "do nothing," when I've never made such a hint, like some senator you seem to have it out for. That sure seems
relevant to me). But don't be so rash, chum, because I did, only to see that it reinforced my point.
The point I made: previous legislation helped create the problem we have today, which in turned spurred new legislation. Because of this, I think it's safe to assume that this new legislation will create new problems, as has happened many times before. You don't seem to have explained why this legislation will be any different. We just happened to get the right people and the right words on the page this time, huh? That, in the entire span of varying political interests and legislation, seems so unlikely.
But hey, guess what? I did some reading! So here's some of the bill and my thoughts. I didn't post it all. I figured you'd get the point after so long. But hey, I'm credible now!
I feel so much more credible saying that this bill is a joke. I know there are health care problems in this country, but most of what I slogged through in this bill is just tacked on regulation that says, "Do this; don't do that; provide for these people; these people must pay; you can't voluntarily contract with other people; blahblahlegalese."
Have fun reading!
(Sec. 1402)
Requires reductions in the maximum limits for out-of-pocket expenses for individuals enrolled in qualified health plans whose incomes are between 100% and 400% of the poverty line.
If the health plan is forced to reduce out-of-pocket expenses, and this places a financial burden on the health plan, they will likely have to charge others more. I dislike this. Yes, it’s terrible if the poor have to pay a lot out-of-pocket, but that doesn’t justify charging others even more. What if someone chooses to live between 100% and 400% of the poverty line? Crazy thought, I know, but for this choice they now get charged less and someone else gets charged more. I know some of you like to think these insurance companies make record profits and can deal with less profits. That isn't always the case. You simply just can't make broad new penalties and say, "Hey, evil company, be nice!" and expect everything to economically and morally work out. Just doesn't happen like that.
(Sec. 1411)
- Requires the Secretary to establish a program for verifying the eligibility of applicants for participation in a qualified health plan offered through an Exchange or for a tax credit for premium assistance based upon their income or their citizenship or immigration status.
Ah but what if said program is exploited and used to dole out benefits to the well-connected? Hmm… Don't pretend that doesn't happen. It does. It just happened in my state regarding other tax credits, and a lot of people made off with good money. Then again, my cynicism is apparently unwarranted because
this bill is different! The stars have aligned to make everything right!
(Sec. 1415)
Disregards the premium assistance tax credit and cost-sharing reductions in determining eligibility for federal and federally-assisted programs. (Sec. 1416, as added by section 10105) Directs the HHS Secretary to study and report to Congress by January 1, 2013, on the feasibility and implication of adjusting the application of the federal poverty level under this subtitle for different geographic areas in the United States, including its territories. Part II: Small Business Tax Credit - (Sec. 1421, as modified by section 10105) Allows qualified small employers to elect, beginning in 2010, a tax credit for 50% of their employee health care coverage expenses. Defines "qualified small employer" as an employer who has no more than 25 employees with average annual compensation levels not exceeding $50,000. Requires a phase-out of such credit based on employer size and employee compensation.Subtitle F: Shared Responsibility for Health Care - Part I: Individual Responsibility - (Sec. 1501, as modified by section 10106) Requires individuals to maintain minimal essential health care coverage beginning in 2014. Imposes a penalty for failure to maintain such coverage beginning in 2014, except for certain low-income individuals who cannot afford coverage, members of Indian tribes, and individuals who suffer hardship. Exempts from the coverage requirement individuals who object to health care coverage on religious grounds, individuals not lawfully present in the United States, and individuals who are incarcerated.
(Side note: Really, if people want bills like this to be read and understood they need to be written a lot better than this junked-together paragraph.)
First, what economic logic dictates an employer with no more than 25 employees is less capable of providing insurance than one with 26 employees?
Second, all individuals must purchase health care coverage beginning in 2014. What if I don’t want it? I shouldn’t be forced to. Can’t I be free to live dangerously?
Third, why the exemption for religious grounds, those not present in the US, or those incarcerated? Can’t I be exempted for simply not wanting to take part, deity or no?
(Sec. 1343)
Requires each state to assess a charge on health plans and health insurance issuers if the actuarial risk of the enrollees of such plans or coverage for a year is less than the average actuarial risk of all enrollees in all plans or coverage in the state for the year. Requires each state to provide a payment to health plans and health insurance issuers if the actuarial risk of the enrollees of such plan or coverage for a year is greater than the average actuarial risk of all enrollees in all plans and coverage in the state for the year. Excludes self-insured group health plans from this section.Subtitle E: Affordable Coverage Choices for All Americans - Part I: Premium Tax Credits and Cost-sharing Reductions - Subpart A: Premium Tax Credits and Cost-sharing Reductions - (Sec. 1401, as modified by section 10105) Amends the Internal Revenue Code to allow individual taxpayers whose household income equals or exceeds 100%, but does not exceed 400%, of the federal poverty line (as determined in the Social Security Act [SSA]) a refundable tax credit for a percentage of the cost of premiums for coverage under a qualified health plan. Sets forth formulae and rules for the calculation of credit amounts based upon taxpayer household income as a percentage of the poverty line. Directs the Comptroller General, not later than five years after enactment of this Act, to conduct a study and report to specified congressional committees on the affordability of health insurance coverage.
Why do only those between 100% and 400% get a tax credit? Why not up to 500%?
Also, what if I am at 401% and am struggling to get buy? Why should I help provide, through a tax credit, for someone at 399%? Again, the poorest above the cutoff line will be hurt more than the richer. But hey, after five years the Comp. Gen. will study the plight of the poorest above the cutoff line and everything will be hunky-dory! After five years.
(Sec. 2003)
Revises state authority to offer a premium assistance subsidy for qualified employer-sponsored coverage to children under age 19 to extend such a subsidy to all individuals, regardless of age. Prohibits a state from requiring, as a condition of Medicaid eligibility, that an individual (or the individual’s parent) apply for enrollment in qualified employer-sponsored coverage. (Sec. 2004, as modified by Sec. 10201) Extends Medicaid coverage to former foster care children who are under 26 years of age.
There’s a little saying that if you want more of something you should subsidize it. So this regulation seems to encourage dependence on having others provide for them. And if Medicaid coverage is extended, it must be paid for somehow, through new taxes, tax increases, borrowing, or somewhere else. This doesn’t seem to explain where that funding is coming from. All I know is, other people shouldn’t be forced to extend such benefits. Could be rich or poor people. It’s not as if either demographic is without its share of monetary problems.
(Sec. 2501)
Amends SSA title XIX (Medicaid) to:
(1) increase the minimum rebate percentage for single source drugs and innovator multiple source drugs;
(2) increase the rebate for other drugs;
(3) require contracts with Medicaid managed care organizations to extend prescription drug rebates (discounts) to their enrollees;
(4) provide an additional rebate for new formulations of existing drugs; and
(5) set a maximum rebate amount.
Where is the money to increase the rebate percentage coming from? It can only come by taking more money from other people (i.e., taxes, borrowing). Again, seems like some are being forced to provide for others. Can’t get behind this. I don’t know the stories of who’s suffering for a bigger rebate, but I also don’t know the story of who’s being forced to provide for the bigger rebate. They could be equally tragic. Then what?
(Sec. 2502)
Eliminates the exclusion from Medicaid coverage of, thereby extending coverage to, certain drugs used to promote smoking cessation, as well as barbiturates and benzodiazepines.
So Medicaid covers more, which means it’ll cost more money. Again, who’s paying? I don’t want to. A person’s cessation of smoking is up to him, not me. I guess not, because health insurance plans are mandated by state/federal governments to cover medical care related to smoking, or will be because of pre-existing conditions. I guess it is my problem now, and a smoker does affect other people's health insurance! (But only because it was regulated to be so.)
(Sec. 4102)
Requires the Secretary, acting through the Director of CDC, to carry out oral health activities, including:
(1) establishing a national public education campaign that is focused on oral health care prevention and education;
(2) awarding demonstration grants for research-based dental caries disease management activities;
(3) awarding grants for the development of school-based dental sealant programs
Why do we need a national public education campaign about oral health? Schools already do that. Dentists do that. Toothpaste companies do that. Toothbrush companies do that. Can’t even state governments do this? Why force the entire nation to support this?
Further, I’ve worked with state university research programs funded with grants. They’re not entirely thrifty with their funds and how they operate. What checks & balances are there?
(Sec. 4203)
Amends the Rehabilitation Act of 1973 to require the Architectural and Transportation Barriers Compliance Board to promulgate standards setting forth the minimum technical criteria for medical diagnostic equipment used in medical settings to ensure that such equipment is accessible to, and usable by, individuals with accessibility needs.
What if the medical setting has difficulty complying with this regulation? Again, a smaller business is more likely to bear the brunt than a large business. And any new cost is likely to be passed onto consumers.
(Sec. 4204)
Authorizes the Secretary to negotiate and enter into contracts with vaccine manufacturers for the purchase and delivery of vaccines for adults. Allows a state to purchase additional quantities of adult vaccines from manufacturers at the applicable price negotiated by the Secretary.
Well the Secretary could negotiate any price he wants. This is totally divorced from any supply and demand. How will costs be controlled? Doesn’t sound like there’s any effective control in place than the Secretary’s whim.
(Sec. 4205)
Amends the Federal Food, Drug, and Cosmetic Act to require the labeling of a food item offered for sale in a retail food establishment that is part of a chain with 20 or more locations under the same name to disclose on the menu and menu board:
(1) the number of calories contained in the standard menu item;
(2) the suggested daily caloric intake; and
(3) the availability on the premises and upon request of specified additional nutrient information. Requires self-service facilities to place adjacent to each food offered a sign that lists calories per displayed food item or per serving. Requires vending machine operators who operate 20 or more vending machines to provide a sign disclosing the number of calories contained in each article of food.
Dislike. A food establishment shouldn’t be forced to disclose how many calories its products contain. This is between the customers and the business. If the customers desire such labels they should take it up with the restaurant, not use other people’s money/time (through public policy) to force restaurants to do something they don’t want.
Also, what if the chain has only 20 locations? It will likely cost it more to comply with this regulation than a chain that has 200 or 2,000. Thus, the smaller businesses are punished greater than larger companies. And then this cost will be passed onto consumers.
Further, a) calorie counts aren’t always accurate and b) daily caloric intakes fluctuate depending on the person.
Oh, and why the number 20? Why not 15? Or 25?
(Sec. 4207)
Amends the Fair Labor Standards Act of 1938 to require employers to provide a reasonable break time and a suitable place, other than a bathroom, for an employee to express breast milk for her nursing child. Excludes an employer with less than 50 employees if such requirements would impose an undue hardship.
Dislike. First, this could encourage companies who have a harder time complying with this regulation to not hire pregnant women or women who recently had children. Second, what if the company has 50 employees? It punishes it to a greater extent than a company that has 500 or 5,000 employees that can better absorb the cost. Third, shouldn’t this be between the employee and the employer? Fourth, What’s “reasonableâ€