Quenstion on Health Care: Will older people pay the same as younger folks?

[AngryAmish]

Will there be one price for all health care?

[Schema Thing]

1. no. And this disappoints me greatly.

There should be one risk pool = humans in America.

[Clear Blue Sky]

2. Why not the same for life insurance then?

[cherokeeprogressive]

13. So, the "rich" should subsidize the "poor", but the young shouldn't subsidize the old?

Sounds hypocritical to me.

[Clear Blue Sky]

14. No. Your insurance cost should reflect your risk of using the insurance.

[Freddie Stubbs]

3. No, but unlike the status quo, there will be a cap on how much more

[dmallind]

4. Nope - should tehre be one price for car insurance the other way round?

Damned if I want to pay the same liability rate as a 16 yr old again. Why should I expect them to pay the same as me for their lower health risks?

[spoony]

5. Who the hell would unrec a question?

Cripes.

[subterranean]

6. The Senate bill allows a maximum 3-to-1 ratio based on age

In other words, older people can be charged up to 3 times more than younger people. I believe the ratio is 2-to-1 in the Congressional bill.

[SpartanDem]

7. There will be a 3 to 1 age ratio

and HHS will set the age rating band saying people 18-30,31-49 etc will get charged the same price. The only other things insurers will be allowed charge more for is, faimly size, tobbaco use, location, So two 50 years old, non smokers in the same area will be charged the same price even one has had more health problems

[backscatter712]

8. They limit, but don't completely abolish age-based pricing.

Under the House bill, older folks would pay up to 2x more than younger folks, and in the Senate bill, it's 3x. Which is obnoxious, but a huge improvement over the status quo, which is about 8x, IIRC.

[freddie mertz]

9. No. It is still a for-profit privatized system.

Older folks like myself could be charged up to 3 times what young folks pay in the Senate bill favored by the president.

The House bill, which the president apparently opposes, limits it at around two-times as much.

[AngryAmish]

10. Do you think that by limiting the premiums young people are subsidizing your health care?

[freddie mertz]

11. Under the WH system, the subsidies are very weak.

Single-payer or an expanded Medicare-based plan would be much more efficient.

In that sort of plan, everyone subsidizes everyone else.

The larger the pool, the easier it is to support what each individual may need, now and down the road.

Besides, as you will eventually find out, after a few years as "young person," you will transform. like magic, into an older one.

[CreekDog]

17. It's not a WH system. The subisides are defined either in the house or senate bills

unless WH means something else?

[freddie mertz]

18. WH means the Senate bill. Obama wants the Senate version to pass.

It's all over the news (and this board) today.

[CreekDog]

19. it's not a WH bill

that's just wrong.

by that standard, maybe you should start asking for the birth certificate --it's all over the internets too.

:eyes:

[freddie mertz]

20. What you say is nonsense. Call it the "Obama-backed Senate Bill" then.

[CreekDog]

21. You can make the argument that the Senate Bill is worse

You can make the argument that the White House might like it more

But you were conflating the two and that's misleading --and you don't have any qualms with doing it.

But hey, some people want to win arguments the right way and some want to win them any way. You seem to be the latter.

[freddie mertz]

22. I am motivated only by my despair at the state of this legislation.

And in particular, by by disappointment at how the legislation has been "handled" (a kind word) by this White House, which most assuredly IS pushing for the passage of a Senate-type bill.

[juno jones]

12. No but our subsidies will be the same. eom.

[CreekDog]

16. Not true. Your out of pocket expenses will have the same limits

which means that more expensive policies will have higher subsidies, if income is equal.

[CreekDog]

15. no, it may cost 3 times more based on age (currently the difference is 11 times on average)

:hi:

[insanity]

23. Why should there be?

I pay out the ass because I'm a 23 year old single male for every type of insurance except health insurance. It's not age-based discrimination if the rates reflect the costs.

[amandabeech]

24. Mandated insurance for us oldsters is likely to cost more than $8,500 a year,

which is the lower limit for "Cadillac" plans that will be taxed one way or another.

Does anyone know whether mandated, conforming insurance will be taxed if it is over $8,500 a year?

[karynnj]

25. Only employer paid insuance is taxed