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View Full Version : Old people, health insurance, and the free market




Boshembechle
05-01-2014, 10:27 PM
If medicare went away, what incentive would insurance companies have in covering old people? Furthermore, how would old people even be able to pay for it without any income?

oyarde
05-01-2014, 11:24 PM
The problems with it ( to start with ) are this ; it should have been voluntary for people , monies pd in ( as well as social security ) should have been put back in an account for that person.

oyarde
05-01-2014, 11:26 PM
If you took retirement monies from employees , put it in your checking and pd your bills with it within 10 days , you would be sent to prison . This is exactly what the Fed govt does.

Boshembechle
05-01-2014, 11:38 PM
the government is protecting the money so that it can be used to adequately pay for medical insurance when the person gets older. Get real, you know DAMN WELL a private insurance company would NEVER accept an old person onto a plan.

oyarde
05-01-2014, 11:45 PM
the government is protecting the money so that it can be used to adequately pay for medical insurance when the person gets older. Get real, you know DAMN WELL a private insurance company would NEVER accept an old person onto a plan.
The govt is not protecting money , it is all spent , gone , they steal and spend , do again . If the monies had been set aside , many companies would have been in line to sell supplemental policies , they do now .It would have been much more. Without govt interference , you would likely have just been able to purchase a hospitalization plan from your local hospital for less than a dollar a day. I did in Mexico once and they had no welfare there .

NorthCarolinaLiberty
05-02-2014, 12:01 AM
If you're so concerned about these people, then pay for it yourself.

56ktarget
05-02-2014, 12:23 AM
Its a lost cause debating these people. They just have a fundamentally different idea of what a good society is compared to the most of the public.

oyarde
05-02-2014, 12:59 AM
Most of the public are not well informed , nor do they know what has been stolen from them .Nor will they have freedom , personal responsibility or prosperity . All things I have had and cherish . Nor do I care by what lengths I must go to have them, I will fight harder not to be stolen from than the thieves will .They are cowards and fear death .

oyarde
05-02-2014, 01:01 AM
My beer tastes good , even bought it from my own labor without the govt , the public or a great society . That shit makes everything taste bad, Then I have to look for my Black Flag and personal effects .

NorthCarolinaLiberty
05-02-2014, 01:19 AM
Its a lost cause debating these people.

Does this mean you're leaving for good?

pcosmar
05-02-2014, 09:56 AM
Once upon a time before socialism and corporatism infected this world,, The elderly were respected and cared for,, by both families and communities.

Now anyone not considered profitable or useful is disposable. :(

LibertyEagle
05-02-2014, 10:01 AM
If medicare went away, what incentive would insurance companies have in covering old people? Furthermore, how would old people even be able to pay for it without any income?

Dude, right now, insurance companies have a huge lobby with the federal government, so they pay for getting laws passed that give them special favor. If we truly had a free market in healthcare, there would be tons of competition and transparency on prices. That is not at all what we have right now. It is competition that makes prices fall. Government involvement increases prices.

When you say that government takes peoples' money and protects it, do you realize that all the money that they took as Social Security and were supposed to put in a SS Trust Fund, they LOOTED and spent a number of years ago??? Knowing that now, does it change your viewpoint at all?

Carlybee
05-02-2014, 10:44 AM
If medicare went away, what incentive would insurance companies have in covering old people? Furthermore, how would old people even be able to pay for it without any income?

If they had no income they would qualify for Medicaid.

erowe1
05-02-2014, 11:15 AM
Its a lost cause debating these people. They just have a fundamentally different idea of what a good society is compared to the most of the public.

So you're saying most of the public would gladly give their own money to pay for old peoples' healthcare?

Well, there's your answer.

euphemia
05-02-2014, 11:25 AM
the government is protecting the money so that it can be used to adequately pay for medical insurance when the person gets older. Get real, you know DAMN WELL a private insurance company would NEVER accept an old person onto a plan.

Um, no. At age 65 the government forces people off their private plans and onto Medicare, even if people are still working full time. I'm not too many years away from that happening, and I'm not looking forward to it. The point is to ration care and contain costs.

angelatc
05-02-2014, 01:27 PM
Its a lost cause debating these people. They just have a fundamentally different idea of what a good society is compared to the most of the public.

Yes, that is true.

angelatc
05-02-2014, 01:30 PM
If medicare went away, what incentive would insurance companies have in covering old people? Furthermore, how would old people even be able to pay for it without any income?

The older you get, the more wealth you have. Why do you think that young people with little to no accumulated wealth should pay for the health care of the older, sicker people who actually have far more money than they do?

phill4paul
05-02-2014, 01:36 PM
If medicare went away the old people without resources would die off or responsibility would be transferred to their children. Over time family cohesion would gain popular acceptance again wherein the offspring would take care of their parents as their parents had once done for them. Without medicare prices would drop to an acceptable level so as to become affordable to individuals without a need for any other than catastrophic insurance. Have fun with that.

eduardo89
05-02-2014, 01:37 PM
the government is protecting the money so that it can be used to adequately pay for medical insurance when the person gets older. Get real, you know DAMN WELL a private insurance company would NEVER accept an old person onto a plan.

Protecting the money? What money? Where is the Medicare account with all that money? It doesn't exist and never has.

NorthCarolinaLiberty
05-02-2014, 06:52 PM
Lots of good comments on here.

People often want to spend someone else's money. People often want to push their responsibilities off on someone else.

I understand the industrial era created a totally different society, one the eroded the extended family. I also understand that a lot of people might just be down on their luck. I'm not talking about this though. I'm talking about people like our neighbor, who put her mother in a home because she did not want to take care of her. She then had the nerve to ask us to visit her mother and spend time with her.

I have also known A LOT of people who have kids, but then have no idea why they have kids. They just want to put their kids in child care, or expect grandma or someone else to take care of their kids.

Again, I'm not talking about historical/societal forces or people down on their luck. We just enable too many people to shirk their responsibility. We now have a structure that really encourages this type of irresponsibility. The structure does nothing but enable and encourages more of the same.

MelissaWV
05-02-2014, 07:19 PM
Very important point made earlier that bears repeating...

Many of those elderly folks who wind up on Medicare had plans through their employer, or even private-purchase plans. They could be set up on health savings accounts, they could be added to their adult child's policy, they could pay a reduced cost for a plan that covers wellness visits related to old age (which would be offset by not having to pay for a plan that includes, say, birth control... ).

This is a red herring anyhow.

Medicare is one of the few programs where people have been paying into it and it shouldn't go away overnight.

And lest we forget, our generous OP was on another thread trolling about killing the elderly.

pcosmar
05-02-2014, 07:24 PM
And lest we forget, our generous OP was on another thread trolling about killing the elderly.

That is the next logical step in this unholy progression.

Euthanasia,, for the Greater Good of course.

oyarde
05-02-2014, 09:50 PM
Protecting the money? What money? Where is the Medicare account with all that money? It doesn't exist and never has.

Yeah , somebody owes me a couple hundred thousand.

angelatc
05-02-2014, 10:44 PM
the government is protecting the money so that it can be used to adequately pay for medical insurance when the person gets older. Get real, you know DAMN WELL a private insurance company would NEVER accept an old person onto a plan.

Are you insane? If a private insurance company "protected" money like the government does, people would go to prison.

NorthCarolinaLiberty
05-03-2014, 01:04 AM
Looks like Laurel and Hardy went back to DU.

thoughtomator
05-03-2014, 01:08 AM
I propose a solution where citizens get the illusion of financial protection in health care costs - which themselves will perpetually rise at a rate greater than inflation and incomes - while getting actual care of a third world standard, with an occasional hyper-expensive and rare procedure being permitted to show how generous this solution is. In order to do this, I'll have to turn the screw on taxes a few times and assemble an insecure online database of every person's most personal information.

Any takers?