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View Full Version : Romney gives little hints on his healthcare reform plan



murral stark
10-02-2012, 06:46 PM
Check this out. health savings accounts, higher deductibles, and higher out of pocket expenses? I don't know, seems a little geared toward higher wage earners.:confused:

http://news.yahoo.com/analysis-romney-send-consumers-healthcare-bill-benefits-110405019.html

huntinman
10-02-2012, 06:51 PM
Check this out. health savings accounts, higher deductibles, and higher out of pocket expenses? I don't know, seems a little geared toward higher wage earners.:confused:

http://news.yahoo.com/analysis-romney-send-consumers-healthcare-bill-benefits-110405019.html

anyone can use a hsa... you don't believe in paying for the services you receive?

murral stark
10-02-2012, 06:55 PM
anyone can use a hsa... you don't believe in paying for the services you receive?

If you could roll those unused dollars into the next year, I would be fine with it. The way ours is set up, whatever money that is left on 12/31 is gone. I buy insurance to offset my out of pocket expenses. what's the sense of having insurance if the deductibles and out of pocket expense is so high you can't afford it. I'd rather pay a little higher premium and have low deductible and out of pocket expenses as opposed to low premiums and high deductibles and out of pocket expense. either way, the insurance company is making huge profits and people that don't have a lot of extra cash get slammed with the medical bills. thus when the medical bills get so overwhelming, they file chapter 7. then nobody gets paid.

huntinman
10-02-2012, 06:58 PM
If you could roll those unused dollars into the next year, I would be fine with it. The way ours is set up, whatever money that is left on 12/31 is gone. I buy insurance to offset my out of pocket expenses. what's the sense of having insurance if the deductibles and out of pocket expense is so high you can't afford it. I'd rather pay a little higher premium and have low deductible and out of pocket expenses as opposed to low premiums and high deductibles and out of pocket expense.

Welcome to Obamacare... it's gonna get worse.

murral stark
10-02-2012, 07:09 PM
Welcome to Obamacare... it's gonna get worse.

did you read the article? It is Romney's idea to do these things with higher deductibles and out of pocket, not Obama's.

Marvin S
10-02-2012, 07:20 PM
I'd rather pay a little higher premium and have low deductible and out of pocket expenses as opposed to low premiums and high deductibles and out of pocket expense.

I won't ask you what's a little because you probably don't know - those of us who watch our health prefer lower premiums & higher deductibles - as I wrote WA state's do nothing senator many years ago.

In case you are anything between your ears a higher premium is a higher out of pocket expense & eligible to contribute to those profits you detest :rolleyes: :confused: :(

Franco
10-02-2012, 07:35 PM
WE need to go back to the pre PPO/HMO days when Healthcare was affordable and everyone that needed it received care!

murral stark
10-02-2012, 07:45 PM
I won't ask you what's a little because you probably don't know - those of us who watch our health prefer lower premiums & higher deductibles - as I wrote WA state's do nothing senator many years ago.

In case you are anything between your ears a higher premium is a higher out of pocket expense & eligible to contribute to those profits you detest :rolleyes: :confused: :(

I would be fine with 10% to 20% higher premium. It's more up front, but that's why it's called insurance. I currently pay $200 per month in premiums. $500 deductible, 80/20 up to the first $1000 out of pocket and then insurance pays 100%, with no lifetime maximum. so with a premium 20% above what I currently pay, would be acceptable. I have plenty between my ears Mr. Smarty Pants, just not the same stuff you have between your ears. you have evidently made your fortune already, I am working on mine so with the plan Romney hinted at, I won't be able to get to my goal.

Gerry Clinchy
10-02-2012, 10:12 PM
I would be fine with 10% to 20% higher premium. It's more up front, but that's why it's called insurance. I currently pay $200 per month in premiums. $500 deductible, 80/20 up to the first $1000 out of pocket and then insurance pays 100%,
That sounds like a pretty good plan for the price, Murral. Let's hope you get to keep it if Obamacare goes into place. If that includes wife and children, that is a downright bargain.

You may already have the level of co-pay and deductible that Romney intends. Keep in mind that a lot of plans (like some unions or the Federal employee plan) may have far smaller co-pays and/or deductibles.

It will be very interesting to see what Romney's details turn out to be ... this should be a subject with which he has a LOT more experience than Obama ever had.

murral stark
10-02-2012, 11:21 PM
That sounds like a pretty good plan for the price, Murral. Let's hope you get to keep it if Obamacare goes into place. If that includes wife and children, that is a downright bargain.

You may already have the level of co-pay and deductible that Romney intends. Keep in mind that a lot of plans (like some unions or the Federal employee plan) may have far smaller co-pays and/or deductibles.

It will be very interesting to see what Romney's details turn out to be ... this should be a subject with which he has a LOT more experience than Obama ever had.
Our children are grown and on their own now. But those premiums I described are for the wife and I. I don't know it will play out in the future. How will it work that my company headquarters is not in the USA? I don't know. all I know, is right now, they are taking care of us pretty well and they have told us that it will continue to be the case. They have not lied to us yet, so I have every reason to believe that they are sincere.

M&K's Retrievers
10-02-2012, 11:55 PM
If you could roll those unused dollars into the next year, I would be fine with it. The way ours is set up, whatever money that is left on 12/31 is gone. I buy insurance to offset my out of pocket expenses. what's the sense of having insurance if the deductibles and out of pocket expense is so high you can't afford it. I'd rather pay a little higher premium and have low deductible and out of pocket expenses as opposed to low premiums and high deductibles and out of pocket expense. either way, the insurance company is making huge profits and people that don't have a lot of extra cash get slammed with the medical bills. thus when the medical bills get so overwhelming, they file chapter 7. then nobody gets paid.


I would be fine with 10% to 20% higher premium. It's more up front, but that's why it's called insurance. I currently pay $200 per month in premiums. $500 deductible, 80/20 up to the first $1000 out of pocket and then insurance pays 100%, with no lifetime maximum. so with a premium 20% above what I currently pay, would be acceptable. I have plenty between my ears Mr. Smarty Pants, just not the same stuff you have between your ears. you have evidently made your fortune already, I am working on mine so with the plan Romney hinted at, I won't be able to get to my goal.


Our children are grown and on their own now. But those premiums I described are for the wife and I. I don't know it will play out in the future. How will it work that my company headquarters is not in the USA? I don't know. all I know, is right now, they are taking care of us pretty well and they have told us that it will continue to be the case. They have not lied to us yet, so I have every reason to believe that they are sincere.

AAAAARRRRRGGGGGHHH!!!! Unbelievable!

paul young
10-03-2012, 07:53 AM
AAAAARRRRRGGGGGHHH!!!! Unbelievable!

Exactly what is it you find unbelievable, Mike?- Paul

paul young
10-03-2012, 07:56 AM
I would be fine with 10% to 20% higher premium. It's more up front, but that's why it's called insurance. I currently pay $200 per month in premiums. $500 deductible, 80/20 up to the first $1000 out of pocket and then insurance pays 100%, with no lifetime maximum. so with a premium 20% above what I currently pay, would be acceptable. I have plenty between my ears Mr. Smarty Pants, just not the same stuff you have between your ears. you have evidently made your fortune already, I am working on mine so with the plan Romney hinted at, I won't be able to get to my goal.

It didn't take you long to figure out Marvin's M.O.! LMAO!!!!!

paul young
10-03-2012, 08:02 AM
WE need to go back to the pre PPO/HMO days when Healthcare was affordable and everyone that needed it received care!

Actually, i think the business and political world would like to see us go back to no company provided insurance plan, no birth control, families with 5 or more kids and a life expectancy of 50. That would solve a lot of "problems" for them........-Paul

road kill
10-03-2012, 08:53 AM
It's kinda funny to watch you lefty's argue AGAINST something you know NOTHING about and argue FOR something you know even LESS about!!!:D

gmhr1
10-03-2012, 10:06 AM
They will find out the hard way.

paul young
10-03-2012, 11:03 AM
It's kinda funny to watch you lefty's argue AGAINST something you know NOTHING about and argue FOR something you know even LESS about!!!:D

Well it seems that the neighborly thing to do would be for you to enlighten us, in that case.

I'm a little surprised that you would be in favor of large deductible plans.

On another note, large deductibles would be pretty rough on retired folks that have modest fixed incomes. In most cases, that's the stage in life when good health insurance is usually very important.

My personal belief is that we will not see real and significant health care reform and some control over the costs associated with health care until the Senate, House, SCOTUS and POTUS no longer get the ABSOLUTE BEST care for life. In other words, when Hell freezes over.........-Paul

road kill
10-03-2012, 11:44 AM
Well it seems that the neighborly thing to do would be for you to enlighten us, in that case.
I don't know any more about what's in them than you do!

You saw first hand how much of your assets had to be used for your 1st wife when she became ill, Stan. I'm a little surprised that you would be in favor of large deductible plans.
Classy!!

On another note, large deductibles would be pretty rough on retired folks that have modest fixed incomes. In most cases, that's the stage in life when good health insurance is usually very important.

My personal belief is that we will not see real and significant health care reform and some control over the costs associated with health care until the Senate, House, SCOTUS and POTUS no longer get the ABSOLUTE BEST care for life. In other words, when Hell freezes over.........-Paul

Nice post..............:rolleyes:

duckheads
10-03-2012, 12:49 PM
I would be fine with 10% to 20% higher premium. It's more up front, but that's why it's called insurance. I currently pay $200 per month in premiums. $500 deductible, 80/20 up to the first $1000 out of pocket and then insurance pays 100%, with no lifetime maximum. so with a premium 20% above what I currently pay, would be acceptable. I have plenty between my ears Mr. Smarty Pants, just not the same stuff you have between your ears. you have evidently made your fortune already, I am working on mine so with the plan Romney hinted at, I won't be able to get to my goal.

And I on the other hand want lower premiums and a higher deductable. I would like to keep my money and assume some responsibility when my family or I have health issues. To each there own but don't force me to have what you want!

huntinman
10-03-2012, 12:52 PM
And I on the other hand want lower premiums and a higher deductable. I would like to keep my money and assume some responsibility when my family or I have health issues. To each there own but don't force me to have what you want!

That's EXACTLY why the gov't should stay out of it. Let the free market handle the health care business just like any other business and we would all have more choices.

Marvin S
10-03-2012, 01:13 PM
It didn't take you long to figure out Marvin's M.O.! LMAO!!!!!

& just what is that Paul?

We have all been subjected to the sad tales of rich folks looking down on him, how he was the HS stud & how he grew up in SD but assimilated to the left in WI in a heartbeat.

I can trump all those like spades to clubs, if you've played bridge you would know what I was referring to - except for turning left - the difference is, on my own, I was able to realize that I needed to look after myself & those under my responsibility. Most of the crap he spouts is not worth paying attention to. He's a teenager in an adult's body :(.

luvmylabs23139
10-03-2012, 01:28 PM
And I on the other hand want lower premiums and a higher deductable. I would like to keep my money and assume some responsibility when my family or I have health issues. To each there own but don't force me to have what you want!

I agree with you. Again it comes down to personal responsibility. DH and I simply banked the difference in premiums for a while after we switched to a lower premium higher deductable plan until we covered all the deductables. The money simply sits in a dedicated account. We did the same thing with our house insurance. We are way ahead of the game at this point.

charly_t
10-03-2012, 07:47 PM
That's EXACTLY why the gov't should stay out of it. Let the free market handle the health care business just like any other business and we would all have more choices.

I give this post as many stars as there are available on this forum. I just don't know how to post them :-)

murral stark
10-03-2012, 08:05 PM
And I on the other hand want lower premiums and a higher deductable. I would like to keep my money and assume some responsibility when my family or I have health issues. To each there own but don't force me to have what you want!
Until something catastrophic happens to you or one of your loved ones. BTW, I was just pointing out what Romney is hinting at for his plan. I am fortunate that my employer gives us good benefits for little money. I guess my employer values it's employees as much as the product they produce and are happy with the nice profit they make, yet they are willing to sacrifice some of their profit to have happy employees. We still cannot get fully staffed because the work is hard and people view it as a job that is beneath them. Even people that are unemployed, won't come work here because the work is so demanding.

M&K's Retrievers
10-03-2012, 11:20 PM
Exactly what is it you find unbelievable, Mike?- Paul

Paul, sorry I'm just responding. We have been at the State Fair with the Grand Kids today and cussing the Rangers. :D The reason for the "AAAARRRRRGGGGGGHHHH!!" is because I have explained in several previous posts over the past couple of years why the quoted remarks do not make sense. I'm not going to do it again. I'll just have to stick with AAAAARRRRRGGGGHHH!! I'm pretty much done on the subject.