Your premiums will now be two dollars more.

I received this in an email that described Health Care related bills submitted in the House.

Improving Health Care in NC

Several bills were introduced this week, which focused on improving the health of North Carolinians. Rep. Verla Insko, D-Orange, introduce legislation (House Bill 265) that would establish a high-risk insurance pool, which has already gained the support of 53 co-sponsors in the House. The bill seeks to help people who cannot afford health insurance because of pre-existing health conditions. It would guarantee coverage to patients with premiums of no more than 175 percent of a standard health care plan. To cover the additional cost of the plan, insurers would be assessed up to $2 per each traditional customer it serves. The assessment would be phased in over four years. Supporters of the high-risk pool say this is a first step toward providing affordable health care to more than 1.3 million North Carolinians who do not have health insurance. The House passed a similar bill in 2006, but the Senate did not consider it before adjournment.

This raises a couple questions in my mind.

  1. If it only costs an additional $2 per year per healthy customer, why are the insurance plans NOT doing it already?
  2. Where is the $2 per insuree going to come from: loss of profits or increased premiums. Yeah. Exactly.
  3. The insurance companies regularly jack up my premiums by 10% per year ($30-$50), so why are we waiting 4 years for them to tack on a 0.5% increase?
  4. Why do we allow the insurance companies to dump the sickest individuals into the public health care programs?
  5. Why do we not allow healthier individuals access to the public health care programs, if we allow the insurance companies to use it as a dumping ground?

All I'm saying, is that we could charge decent premiums and allow Medicaid to be opened up to everyone. Yes, we would have to increase some of the payments we make to doctors, but we would be able to do that with a healthier population. As it is, the public health insurance is the most cost-effective WHILE SERVING THE MOST EXPENSIVE CUSTOMERS. The poor, the elderly, the uninsurable.

Comments

Insurance versus Swindle

Insurance relies on a large pool of customers, some of which will cost you money and some of which will give you money. In the end, you make some profit because of the laws of probability.

A swindle is pretending to be an insurance company so that you can collect money from those who ask for no benefits, but deny those who would need coverage and drop those who eventually come to need it.

Jesus Swept ticked me off. Too short. I loved the characters and then POOF it was over.
-me

Robert...I'm sorry if I've missed this

...but wouldn't this high risk pool be unneccessary if we had Healthcare for All?

Robin Hayes lied. Nobody died, but thousands of folks lost their jobs.



***************************
Vote Democratic! The ass you save may be your own.

ding. ding.

I didn't take this opportunity to pimp health care for all, but I should have. Yes, with such a plan everyone would be covered. Now, if you look at Forced Health Care plans like Mass. and CA have and are proposing, you will see they are not working because...no insurance companies will pick up the sick individuals. So, the state is having to do it at cost. All these plans do is institutionalize the idea that private insurance is for customers from which they can squeeze profit, and that public health insurance takes care of the most needy.

Where are the candidates?

Jesus Swept ticked me off. Too short. I loved the characters and then POOF it was over.
-me

Punish the responsible..

As the fee would certainly be passed on to those who buy insurance, you are punishing those who are responsible enough to get insurance.

Why not put the burden on those who are able but choose not to get coverage? Charge them an extra $10 on their taxes or something.

"You"

By you, I assume you mean the legislature? How do you decide who can afford insurance and who can't? As I've written elsewhere recently, I know of one guy in Chapel Hill who is self-employed but with a preexisting condition. BCBS wants $3000 a MONTH to insure him with a crappy plan.

There is no easy way to do this. Maybe we should charge a fee to every smalll business that refuses to provide coverage.
: )

p.s. We already pay $922 extra in premiums each year to cover the uninsured. Hospitals charge us extra to cover their "uncompensated care", so insurance charges us extra to cover their own tails. In the end, those of us with insurance pay for those of us without insurance's needs. It just costs us more because by then it is an emergency.

Where are the candidates?

Jesus Swept ticked me off. Too short. I loved the characters and then POOF it was over.
-me

By you, I assume you mean

By you, I assume you mean the legislature? How do you decide who can afford insurance and who can't? As I've written elsewhere recently, I know of one guy in Chapel Hill who is self-employed but with a preexisting condition. BCBS wants $3000 a MONTH to insure him with a crappy plan.

Hey! I have that crappy BCBS plan! :-)

The government has all kinds of standards and formulas to decide if people are eligible for aid or make enough income. $3,000/month is not so bad if you make $250k/yr.

Who is responsible

for having pre-existing conditions? This high-risk pool is for those whose premiums would be prohibitive through private insurers, not for people who could buy insurance at the regular rates and choose not to do so.

The whole idea behind insurance is pooling the risk. Well, except insurance companies think the idea is to make a lot of money, so they only want to include low-risk people in the pool.

Which is one reason it is hard to fight this legislation.

It's bad, and it is very bad for the future. BUT, we're talking about real people here that could die because they don't have health care insurance. You can't just throw them under the bus, well, we can't, BCBS and the like would be MORE than happy to throw them under the bus.

Where are the candidates?

Jesus Swept ticked me off. Too short. I loved the characters and then POOF it was over.
-me

It bears pointing out

that the world, alas, is not fair. By that I mean to say that any one of us may one day find ourselves in this "uninsurable" boat; my child developes a chronic condition and a year later our carrier decides to quit doing business in NC; illness hits and knocks the primary breadwinner down for an extended period and the family is dropped for non-payment; medical costs for a sudden catastrophic illness exceeds the annual or lifetime maximum of my policy.

The world is not fair. People get sick. The natural forces of wheather, geology, biology, etc. can step into our lives and wreak havoc at any moment. I think we do better as a whole (as a community, as a state, as a nation) when we remember grandma's cautionary wisdom;

There, but for the grace of God, go I.

And you. ;)

"They took all the trees and put them in a tree museum Then they charged the people a dollar 'n a half just to see 'em. Don't it always seem to go that you don't know what you've got till it's gone? They paved paradise and put up a parking lot."