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Posted: 1/29/2015 5:38:09 PM EDT
[#1]
Quote HistoryQuoted:
This is amazing. Yes, someone is paying for it. The parent is paying for family coverage. Quote HistoryQuoted:
Quoted:
None of that coverage is "free". Someone is paying for it. When I was single, I chose a policy that excluded most of those items. I was responsible enough to know that I would not need pregnancy coverage, substance abuse and alcohol counseling... Now, no one has the freedom to choose that option. Hey, if you choose to be an Obamacare fan, I understand. People like you voted for Obama and won the last presidential election. This is amazing. Yes, someone is paying for it. The parent is paying for family coverage. The employers are paying for it and the other employees are paying for it via diluted coverage at higher cost. In the dark ages before "Obama The Enlightened One"; parents continued coverage identical for their college age kids via COBRA, and some colleges provided coverage as well. |
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Posted: 1/29/2015 5:38:49 PM EDT
[#2]
Quote HistoryQuoted:
The employers are paying for it and the other employees are paying for it via diluted coverage at higher cost. In the dark ages before "Obama The Enlightened One"; parents continued coverage identical for their college age kids via COBRA, and some colleges provided coverage as well. Quote HistoryQuoted:
Quoted:
Quoted:
None of that coverage is "free". Someone is paying for it. When I was single, I chose a policy that excluded most of those items. I was responsible enough to know that I would not need pregnancy coverage, substance abuse and alcohol counseling... Now, no one has the freedom to choose that option. Hey, if you choose to be an Obamacare fan, I understand. People like you voted for Obama and won the last presidential election. This is amazing. Yes, someone is paying for it. The parent is paying for family coverage. The employers are paying for it and the other employees are paying for it via diluted coverage at higher cost. In the dark ages before "Obama The Enlightened One"; parents continued coverage identical for their college age kids via COBRA, and some colleges provided coverage as well. The parent is paying for family coverage. Just like when the kid was under 18. |
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Posted: 1/29/2015 5:40:24 PM EDT
[#3]
This thread went from asking a question to everyone complaining about the government, and Obama.
If anyone missed it, Romney was the one who put forth the 26 year old rule in Romneycare which the Democrats used. |
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Posted: 1/29/2015 5:58:23 PM EDT
[#4]
Quote HistoryQuoted:
The parent is paying for family coverage. Just like when the kid was under 18. Quote HistoryQuoted:
Quoted:
Quoted:
Quoted:
None of that coverage is "free". Someone is paying for it. When I was single, I chose a policy that excluded most of those items. I was responsible enough to know that I would not need pregnancy coverage, substance abuse and alcohol counseling... Now, no one has the freedom to choose that option. Hey, if you choose to be an Obamacare fan, I understand. People like you voted for Obama and won the last presidential election. This is amazing. Yes, someone is paying for it. The parent is paying for family coverage. The employers are paying for it and the other employees are paying for it via diluted coverage at higher cost. In the dark ages before "Obama The Enlightened One"; parents continued coverage identical for their college age kids via COBRA, and some colleges provided coverage as well. The parent is paying for family coverage. Just like when the kid was under 18. Unless the parent is paying more for family coverage with each additional dependent by dumping his 20 somethings on his plan the other employees are taking up his slack through higher premiums and/or reduced services. I really don't want to pay for your grown daughters birth control (unless, of course  ) or your college son's appendix surgery. Not my sperm, not my concern.
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Posted: 1/29/2015 5:59:57 PM EDT
[#5]
Quoted:
So, where did keeping children on health insurance until 26 years old come from? I mean, who first floated it ? If you figure out where the idea that a twenty-six year old is a child came from you'll have your answer. |
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Posted: 1/29/2015 6:01:13 PM EDT
[#6]
NutnFancy's mom prob thought of the idea.
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Posted: 1/29/2015 6:06:21 PM EDT
[#7]
Quote HistoryQuoted: This is amazing. Yes, someone is paying for it. The parent is paying for family coverage. Quote HistoryQuoted: Quoted: None of that coverage is "free". Someone is paying for it. When I was single, I chose a policy that excluded most of those items. I was responsible enough to know that I would not need pregnancy coverage, substance abuse and alcohol counseling... Now, no one has the freedom to choose that option. Hey, if you choose to be an Obamacare fan, I understand. People like you voted for Obama and won the last presidential election. This is amazing. Yes, someone is paying for it. The parent is paying for family coverage. I'm one of those parents that are paying for the "free" items and expanded coverage you listed. That's why my premiums rose by $500/month. Hey, if you choose to be an Obamacare fan, I understand. People like you voted for Obama and won the last presidential election. |
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Posted: 1/29/2015 6:17:04 PM EDT
[#8]
Quote HistoryQuoted:
This is amazing. Yes, someone is paying for it. The parent is paying for family coverage. Quote HistoryQuoted:
Quoted:
None of that coverage is "free". Someone is paying for it. When I was single, I chose a policy that excluded most of those items. I was responsible enough to know that I would not need pregnancy coverage, substance abuse and alcohol counseling... Now, no one has the freedom to choose that option. Hey, if you choose to be an Obamacare fan, I understand. People like you voted for Obama and won the last presidential election. This is amazing. Yes, someone is paying for it. The parent is paying for family coverage. SOOOOOO, naive!!! |
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Posted: 1/29/2015 6:20:21 PM EDT
[#9]
Quote HistoryQuoted:
This thread went from asking a question to everyone complaining about the government, and Obama. If anyone missed it, Romney was the one who put forth the 26 year old rule in Romneycare which the Democrats used. So freak's what? But, but, but ROMNEY!! If the assholes that wrote Obama Care didn't think it was a good idea they wouldn't of put it in…. or are you saying they didn't craft Obama care to include just what THEY wanted and someone forced them to add this? Jeez. Romney had some other GOOD ideas that he put forth and I don't see the Obama administration jumping on those ….. but this ONE thing,,,,, is Romney's fault. ETA: and I'll add this. I would bet a large sum of money the " insure the kids to 26 years of age on the parents policy " did not come from Romney….. HE didn't think of this. It came from Gruber or a Gruber type who said this is how to help pay for your pie in the sky idea. So, like I said, who knows for sure WHO first floated the idea for the scam. |
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Posted: 1/29/2015 6:21:43 PM EDT
[#10]
Quote HistoryQuoted:
democrats. They found that the demographic of 19-26 yr olds were most likely to vote democrat, so they fucked everyone by bumping up the age that parents have to keep their kids on health insurance. Same thing in NJ, they voted to make parents responsible to help pay for their kids college tuition until they're 24 or 26. Socialism...paying for what you want with other people's money |
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Posted: 1/29/2015 6:25:52 PM EDT
[#11]
Quote HistoryQuoted:
Since maybe one page back is too hard, why don't we put this all in context, shall we? The context was of the general concept of staying on a parent's insurance up to 26. You are the one that tries to make this about Obamacare, as if the idea of insuring your kid was invented by it. Quote HistoryQuoted:
Quoted:My rambling aside my point is that instead of "saddling a student with debt" (I guess you're referring to a medical emergency) you are cheering the government program that mandates I pay for the insurance of people who I owe nothing to.
The parents of a 25 year old college student have always had the option of buying an insurance plan for their adult offspring either through the college or privately. Obama has mandated that I (and all producers) pay for that adult's insurance so that they can stay in college or "not be saddled with debt" as they continue to enjoy a carefree life of 6-8 years in college working on their liberal arts degree. The context was of the general concept of staying on a parent's insurance up to 26. You are the one that tries to make this about Obamacare, as if the idea of insuring your kid was invented by it. Since that's a mandate under Obamacare that never existed before then the answer to the question is democrats pandering to bed wetting pajama boy types (who happen to vote democrat) that are studying poli sci or one of the many other barista degrees. You and GuNut said this. Quoted: Quoted:
I'm not sure but it makes sense. Seems like it gives someone a chance to get a higher education and into a field to provide insurance for themselves. My point to you both is that we managed to get along just fine for a couple centuries without 25 year old adults being covered by their parent's insurance and if a parent wanted to help their 25 year old adult get insurance there were plenty of non-governmental options out there. Now the parent's co-workers and employer are being forced to underwrite the 25 year old adult's lifestyle by federal law. Let's invest in the kids! Yay government! Give it a few years and it'll be 30 and in another decade we'll have life long insurance plans that the insurance companies aren't allowed to terminate and folks can't afford without government aid. |
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Posted: 1/29/2015 6:28:40 PM EDT
[#12]
Revenue generation. Most college kids and grads don't make money out of school (bad economy). So to keep the ducats coming it, you tax their parents instead.
 All Hail Best Dear Leader! He makes the sun shine, water wet and the air we breathe. 
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Posted: 1/29/2015 6:34:41 PM EDT
[#13]
This 26 year old "child" issue is only one brick in the Obamacare wall.
Mr Obama: tear down this wall!! |
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Posted: 1/29/2015 6:39:18 PM EDT
[#14]
Student health insurance is cheap anyway.
Never really saw the need for the whole "stay on family til 26" thing. |
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Posted: 1/29/2015 6:40:41 PM EDT
[#15]
Quote HistoryQuoted:
No the question was "So, where did keeping children on health insurance until 26 years old come from? I mean, who first floated it ?" Since that's a mandate under Obamacare that never existed before then the answer to the question is democrats pandering to bed wetting pajama boy types (who happen to vote democrat) that are studying poli sci or one of the many other barista degrees. You and GuNut said this.Which sure seems like you're both applauding the 26 year old mandate as a common sense way of saving the children and allowing them to focus on "higher education" and "saving them from debt". My point to you both is that we managed to get along just fine for a couple centuries without 25 year old adults being covered by their parent's insurance and if a parent wanted to help their 25 year old adult get insurance there were plenty of non-governmental options out there. Now the parent's co-workers and employer are being forced to underwrite the 25 year old adult's lifestyle by federal law. Let's invest in the kids! Yay government! Give it a few years and it'll be 30 and in another decade we'll have life long insurance plans that the insurance companies aren't allowed to terminate and folks can't afford without government aid. Quote HistoryQuoted:
Quoted:
Quoted:My rambling aside my point is that instead of "saddling a student with debt" (I guess you're referring to a medical emergency) you are cheering the government program that mandates I pay for the insurance of people who I owe nothing to.
The parents of a 25 year old college student have always had the option of buying an insurance plan for their adult offspring either through the college or privately. Obama has mandated that I (and all producers) pay for that adult's insurance so that they can stay in college or "not be saddled with debt" as they continue to enjoy a carefree life of 6-8 years in college working on their liberal arts degree. The context was of the general concept of staying on a parent's insurance up to 26. You are the one that tries to make this about Obamacare, as if the idea of insuring your kid was invented by it. Since that's a mandate under Obamacare that never existed before then the answer to the question is democrats pandering to bed wetting pajama boy types (who happen to vote democrat) that are studying poli sci or one of the many other barista degrees. You and GuNut said this. Quoted: Quoted:
I'm not sure but it makes sense. Seems like it gives someone a chance to get a higher education and into a field to provide insurance for themselves. My point to you both is that we managed to get along just fine for a couple centuries without 25 year old adults being covered by their parent's insurance and if a parent wanted to help their 25 year old adult get insurance there were plenty of non-governmental options out there. Now the parent's co-workers and employer are being forced to underwrite the 25 year old adult's lifestyle by federal law. Let's invest in the kids! Yay government! Give it a few years and it'll be 30 and in another decade we'll have life long insurance plans that the insurance companies aren't allowed to terminate and folks can't afford without government aid. There is nothing about Obamacare in the OP. |
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Posted: 1/29/2015 6:41:33 PM EDT
[#16]
Quote HistoryQuoted:
I'm one of those parents that are paying for the "free" items and expanded coverage you listed. That's why my premiums rose by $500/month. Hey, if you choose to be an Obamacare fan, I understand. People like you voted for Obama and won the last presidential election. Quote HistoryQuoted:
Quoted:
Quoted:
None of that coverage is "free". Someone is paying for it. When I was single, I chose a policy that excluded most of those items. I was responsible enough to know that I would not need pregnancy coverage, substance abuse and alcohol counseling... Now, no one has the freedom to choose that option. Hey, if you choose to be an Obamacare fan, I understand. People like you voted for Obama and won the last presidential election. This is amazing. Yes, someone is paying for it. The parent is paying for family coverage. I'm one of those parents that are paying for the "free" items and expanded coverage you listed. That's why my premiums rose by $500/month. Hey, if you choose to be an Obamacare fan, I understand. People like you voted for Obama and won the last presidential election. You're ignoring what I'm writing and just accusing me of supporting a president I've despised his entire term, who passed a law I despise even more (likely more than you do). The part about parents keeping their children on their plan is not the source of your higher premiums. The source of the higher premiums is all the other bullshit plans must cover (that you don't use), and forcing you to pay for preexisting conditions and chronic conditions of other people. Place your anger in the right place. Even though it feels so good to bitch about the younger generations. |
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Posted: 1/29/2015 6:42:21 PM EDT
[#17]
Quote HistoryQuoted:
They're children until they are 26...unless she needs an abortion at 14, and then she is a young woman. Liberalism is a mental disorder. The failure to use reasoning and logic. FIFY. |
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Posted: 1/29/2015 6:53:20 PM EDT
[#18]
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The recession. This. |
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Posted: 1/29/2015 6:56:08 PM EDT
[#19]
Quote HistoryQuoted: Early twenties have the least health complications of any demographic. Obamacare mandated free birth control coverage, free STD screening and diabetes testing, full coverage for substance abuse and alcohol counseling, full coverage of pre and post-natal care (even if you're male and/or don't have plans for kids), free preventative care, no discrimination against preexisting health conditions, including capping how much you can charge someone with a chronic condition, thereby forcing risk pools together that previously were separated for cost. All that, and you think your health insurance is more expensive because of people who statistically don't even go to the doctor. You're special. Quote HistoryQuoted: Early twenties have the least health complications of any demographic. Obamacare mandated free birth control coverage, free STD screening and diabetes testing, full coverage for substance abuse and alcohol counseling, full coverage of pre and post-natal care (even if you're male and/or don't have plans for kids), free preventative care, no discrimination against preexisting health conditions, including capping how much you can charge someone with a chronic condition, thereby forcing risk pools together that previously were separated for cost. All that, and you think your health insurance is more expensive because of people who statistically don't even go to the doctor. You're special. Quoted: You're ignoring what I'm writing and just accusing me of supporting a president I've despised his entire term, who passed a law I despise even more (likely more than you do). The part about parents keeping their children on their plan is not the source of your higher premiums. The source of the higher premiums is all the other bullshit plans must cover (that you don't use), and forcing you to pay for preexisting conditions and chronic conditions of other people. Place your anger in the right place. Even though it feels so good to bitch about the younger generations. The part about parents keeping their children on their plan is certainly ONE REASON for my higher premiums. The "free" healthcare stuff you like are OTHER REASONS. Get your facts straight. I'm complaining about Obamacare, not the younger generations. |
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Posted: 1/29/2015 7:11:18 PM EDT
[#20]
The Socialists are coming.
The Socialists are coming. By land, by sea, and through the WiFi. A sea of entitled, crybabies voting to redistribute YOUR stuff. Less than 30% of our entire population produces anything more valuable than there own feces.
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Posted: 1/29/2015 7:27:55 PM EDT
[#21]
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So? So was I. Quote HistoryQuoted:
Quoted:
I was 18 in college and on my own So? So was I. I joined the Army at 17. |
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Posted: 1/29/2015 8:27:37 PM EDT
[#22]
Quote HistoryQuoted:
There is nothing about Obamacare in the OP. No, Obamacare is the answer to the OP and you're one of the ones saying the 26 year old mandate is a good idea. |
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Posted: 1/29/2015 8:55:27 PM EDT
[#23]
Quote HistoryQuoted:
The part about parents keeping their children on their plan is certainly ONE REASON for my higher premiums. The "free" healthcare stuff you like are OTHER REASONS. Get your facts straight. I'm complaining about Obamacare, not the younger generations. Quote HistoryQuoted:
Quoted:
Early twenties have the least health complications of any demographic. Obamacare mandated free birth control coverage, free STD screening and diabetes testing, full coverage for substance abuse and alcohol counseling, full coverage of pre and post-natal care (even if you're male and/or don't have plans for kids), free preventative care, no discrimination against preexisting health conditions, including capping how much you can charge someone with a chronic condition, thereby forcing risk pools together that previously were separated for cost. All that, and you think your health insurance is more expensive because of people who statistically don't even go to the doctor. You're special. Quoted:
You're ignoring what I'm writing and just accusing me of supporting a president I've despised his entire term, who passed a law I despise even more (likely more than you do). The part about parents keeping their children on their plan is not the source of your higher premiums. The source of the higher premiums is all the other bullshit plans must cover (that you don't use), and forcing you to pay for preexisting conditions and chronic conditions of other people. Place your anger in the right place. Even though it feels so good to bitch about the younger generations. The part about parents keeping their children on their plan is certainly ONE REASON for my higher premiums. The "free" healthcare stuff you like are OTHER REASONS. Get your facts straight. I'm complaining about Obamacare, not the younger generations. Geesus, where to begin? I'll begin with those who seems to be the most fact-challenged. 1. Every thread here I've seen lately against the ACA gets the beatdown with FACTS that people can now get healthcare more affordably. Even the Republicans have changed their tune on the ACA. 2. Having younger people in the pool actually reduces costs for everyone else because they pay in more than they cost in claims. Example: Say you work for a small, family owned business that employees 60 people. If claims were high in that small group (Smoking Suzie had a lung removed & Fat Albert had quadruple bypass), then next year premiums will go up for all the individuals in the group. If the average age of the group rises, then the insurance company might raise rates because older people have more claims...that's risk. In the ACA (& Social Security), the younger members are subsidizing the older members, even if Daddy is the one paying the premium. |
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Posted: 1/29/2015 10:34:31 PM EDT
[#24]
Quote HistoryQuoted:
<snip> Geesus, where to begin? I'll begin with those who seems to be the most fact-challenged. 1. Every thread here I've seen lately against the ACA gets the beatdown with FACTS that people can now get healthcare more affordably. Even the Republicans have changed their tune on the ACA. 2. Having younger people in the pool actually reduces costs for everyone else because they pay in more than they cost in claims. Example: Say you work for a small, family owned business that employees 60 people. If claims were high in that small group (Smoking Suzie had a lung removed & Fat Albert had quadruple bypass), then next year premiums will go up for all the individuals in the group. If the average age of the group rises, then the insurance company might raise rates because older people have more claims...that's risk. In the ACA (& Social Security), the younger members are subsidizing the older members, even if Daddy is the one paying the premium. That's sorta akin to taking a gun to the frugal neighbor down the road and demanding he pay half your health care costs, costs you got hit with after having a cow kick you in the ribs. Never mind that he suggested down at the community center that even though you were enthralled that cow prices were up, and that the gov't told you cow prices would stay highh for years to come, that he felt you in particular were a little too inexperienced and maybe a little too old to be running cows, and your busted ribs were confirmation. |
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Posted: 1/29/2015 10:37:07 PM EDT
[#25]
Quote HistoryQuoted:
They're children until they are 26...unless she needs an abortion at 14, and then she is a young woman. Liberalism is a disease. Global Warming is causing blizzards and global cooling. |
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Posted: 1/29/2015 10:40:26 PM EDT
[#26]
Lol at 26 year old children.
Because student or not, that's what you are when you can't support yourself and still rely on mom and dad. |
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Posted: 1/29/2015 10:47:17 PM EDT
[#27]
Quote HistoryQuoted:
Geesus, where to begin? I'll begin with those who seems to be the most fact-challenged. 1. Every thread here I've seen lately against the ACA gets the beatdown with FACTS that people can now get healthcare more affordably. Even the Republicans have changed their tune on the ACA. 2. Having younger people in the pool actually reduces costs for everyone else because they pay in more than they cost in claims. Example: Say you work for a small, family owned business that employees 60 people. If claims were high in that small group (Smoking Suzie had a lung removed & Fat Albert had quadruple bypass), then next year premiums will go up for all the individuals in the group. If the average age of the group rises, then the insurance company might raise rates because older people have more claims...that's risk. In the ACA (& Social Security), the younger members are subsidizing the older members, even if Daddy is the one paying the premium. 1. SOME people can get healthcare more affordably. They are the exception. Almost everyone with any coverage at all will see their premium rise, the coverage decrease, their deductible increase, their provider list shrink, or some combination of all of these, and if not immediately, then when the next renewal rolls in. 2. Having younger people in the pool increases costs for everyone else. Family coverage is almost always for a family, not by the number of people in the family. Self. Self and Spouse. Self Spouse Family. one kid or 5, the family premium is the same in most plans. Which means the group rates increase. Everyone in the group subsidizes the cost of that additional adult child. 3. If that adult child had his own policy in that same group plan, then, and only then, is there a risk mitigation to the group, because yes, young people do have less health costs. 4. The republicans have changed their tune for one reason only: They are fundamentally no different that the democrats at this point in our history. Once there is a major policy change like ACA, they have no incentive to change it back, they are ultimately on the same gravy train. |
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Posted: 1/29/2015 10:48:39 PM EDT
[#28]
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I really don't see how this is a problem. It's being paid for either way. How about sweating the other shit that's actually a problem from the ACA. There's no shortage of that. Son, is that you? |
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Posted: 1/29/2015 11:22:16 PM EDT
[#29]
Quote HistoryQuoted:
1. SOME people can get healthcare more affordably. They are the exception. Almost everyone with any coverage at all will see their premium rise, the coverage decrease, their deductible increase, their provider list shrink, or some combination of all of these, and if not immediately, then when the next renewal rolls in. 2. Having younger people in the pool increases costs for everyone else. Family coverage is almost always for a family, not by the number of people in the family. Self. Self and Spouse. Self Spouse Family. one kid or 5, the family premium is the same in most plans. Which means the group rates increase. Everyone in the group subsidizes the cost of that additional adult child. 3. If that adult child had his own policy in that same group plan, then, and only then, is there a risk mitigation to the group, because yes, young people do have less health costs. 4. The republicans have changed their tune for one reason only: They are fundamentally no different that the democrats at this point in our history. Once there is a major policy change like ACA, they have no incentive to change it back, they are ultimately on the same gravy train. Quote HistoryQuoted:
Quoted:
Geesus, where to begin? I'll begin with those who seems to be the most fact-challenged. 1. Every thread here I've seen lately against the ACA gets the beatdown with FACTS that people can now get healthcare more affordably. Even the Republicans have changed their tune on the ACA. 2. Having younger people in the pool actually reduces costs for everyone else because they pay in more than they cost in claims. Example: Say you work for a small, family owned business that employees 60 people. If claims were high in that small group (Smoking Suzie had a lung removed & Fat Albert had quadruple bypass), then next year premiums will go up for all the individuals in the group. If the average age of the group rises, then the insurance company might raise rates because older people have more claims...that's risk. In the ACA (& Social Security), the younger members are subsidizing the older members, even if Daddy is the one paying the premium. 1. SOME people can get healthcare more affordably. They are the exception. Almost everyone with any coverage at all will see their premium rise, the coverage decrease, their deductible increase, their provider list shrink, or some combination of all of these, and if not immediately, then when the next renewal rolls in. 2. Having younger people in the pool increases costs for everyone else. Family coverage is almost always for a family, not by the number of people in the family. Self. Self and Spouse. Self Spouse Family. one kid or 5, the family premium is the same in most plans. Which means the group rates increase. Everyone in the group subsidizes the cost of that additional adult child. 3. If that adult child had his own policy in that same group plan, then, and only then, is there a risk mitigation to the group, because yes, young people do have less health costs. 4. The republicans have changed their tune for one reason only: They are fundamentally no different that the democrats at this point in our history. Once there is a major policy change like ACA, they have no incentive to change it back, they are ultimately on the same gravy train. 2. How? If you add "family" to your plan, then your premiums go up...correct? Guess what, they go up overall by less than your children will cost the insurance company in claims. Young healthy people are what insurance companies need. They make premiums go up (either paid by them or as added to the family plan), yet become profit to the insurance companies since they are typically very healthy. If you want to reduce your health insurance costs, here are some things you can do: 1. Reduce coverage/raise deductibles 2. Get healthy, both yourself and your family 3. Get in a healthy/young group policy Yes, in some ways, everyone's insurance rates will go up under the ACA. That is because it requires coverage for things previously not covered...preventive care, pre-natal care, mental health, substance abuse, pre-existing conditions, etc. |
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Posted: 1/29/2015 11:34:31 PM EDT
[#30]
Quoted:
So, where did keeping children on health insurance until 26 years old come from? I mean, who first floated it ? Probably the same fucking place that requires students 23 and under to have to put their parents income on financial aid applications. The only way out it is to be veteran (my way) or to have been emancipated prior to your 18th birthday. Married? Nope you still have to act like Mom and Dad are going to pay, if they don't want to help sucks to be you. These are also the same people that decided that instead of 21 being the age of majority (like our founding fathers wanted) allowed 18 year olds to enter into legally binding nondischargeable contracts such as student loans... Seeing a pattern? 
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Posted: 1/29/2015 11:38:39 PM EDT
[#31]
Quote HistoryQuoted:
Probably the same fucking place that requires students 23 and under to have to put their parents income on financial aid applications. The only way out it is to be veteran (my way) or to have been emancipated prior to your 18th birthday. Married? Nope you still have to act like Mom and Dad are going to pay, if they don't want to help sucks to be you. These are also the same people that decided that instead of 21 being the age of majority (like our founding fathers wanted) allowed 18 year olds to enter into legally binding nondischargeable contracts such as student loans... Seeing a pattern? Quote HistoryQuoted:
Quoted:
So, where did keeping children on health insurance until 26 years old come from? I mean, who first floated it ? Probably the same fucking place that requires students 23 and under to have to put their parents income on financial aid applications. The only way out it is to be veteran (my way) or to have been emancipated prior to your 18th birthday. Married? Nope you still have to act like Mom and Dad are going to pay, if they don't want to help sucks to be you. These are also the same people that decided that instead of 21 being the age of majority (like our founding fathers wanted) allowed 18 year olds to enter into legally binding nondischargeable contracts such as student loans... Seeing a pattern? I'm getting the drift ... |
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Posted: 1/29/2015 11:47:58 PM EDT
[#32]
Quote HistoryQuoted:
Geesus, where to begin? I'll begin with those who seems to be the most fact-challenged. 1. Every thread here I've seen lately against the ACA gets the beatdown with FACTS that people can now get healthcare more affordably. Even the Republicans have changed their tune on the ACA. 2. Having younger people in the pool actually reduces costs for everyone else because they pay in more than they cost in claims. Example: Say you work for a small, family owned business that employees 60 people. If claims were high in that small group (Smoking Suzie had a lung removed & Fat Albert had quadruple bypass), then next year premiums will go up for all the individuals in the group. If the average age of the group rises, then the insurance company might raise rates because older people have more claims...that's risk. In the ACA (& Social Security), the younger members are subsidizing the older members, even if Daddy is the one paying the premium. Quote HistoryQuoted:
Quoted:
Quoted:
Early twenties have the least health complications of any demographic. Obamacare mandated free birth control coverage, free STD screening and diabetes testing, full coverage for substance abuse and alcohol counseling, full coverage of pre and post-natal care (even if you're male and/or don't have plans for kids), free preventative care, no discrimination against preexisting health conditions, including capping how much you can charge someone with a chronic condition, thereby forcing risk pools together that previously were separated for cost. All that, and you think your health insurance is more expensive because of people who statistically don't even go to the doctor. You're special. Quoted:
You're ignoring what I'm writing and just accusing me of supporting a president I've despised his entire term, who passed a law I despise even more (likely more than you do). The part about parents keeping their children on their plan is not the source of your higher premiums. The source of the higher premiums is all the other bullshit plans must cover (that you don't use), and forcing you to pay for preexisting conditions and chronic conditions of other people. Place your anger in the right place. Even though it feels so good to bitch about the younger generations. The part about parents keeping their children on their plan is certainly ONE REASON for my higher premiums. The "free" healthcare stuff you like are OTHER REASONS. Get your facts straight. I'm complaining about Obamacare, not the younger generations. Geesus, where to begin? I'll begin with those who seems to be the most fact-challenged. 1. Every thread here I've seen lately against the ACA gets the beatdown with FACTS that people can now get healthcare more affordably. Even the Republicans have changed their tune on the ACA. 2. Having younger people in the pool actually reduces costs for everyone else because they pay in more than they cost in claims. Example: Say you work for a small, family owned business that employees 60 people. If claims were high in that small group (Smoking Suzie had a lung removed & Fat Albert had quadruple bypass), then next year premiums will go up for all the individuals in the group. If the average age of the group rises, then the insurance company might raise rates because older people have more claims...that's risk. In the ACA (& Social Security), the younger members are subsidizing the older members, even if Daddy is the one paying the premium. Yeah, that' s pretty much BS right there. Some, a VERY FEW can get healthcare more affordably but the vast majority are paying more with most paying WAY more and in some cases premiums doubling. There's a fact for you. |
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Posted: 1/30/2015 8:17:41 AM EDT
[#33]
heres a 2009 document that covers the history of heath care in the US up to that point
(consider the source)
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Posted: 1/30/2015 8:20:40 AM EDT
[#34]
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Posted: 1/30/2015 8:23:56 AM EDT
[#35]
Quote HistoryQuoted:
No, Obamacare is the answer to the OP and you're one of the ones saying the 26 year old mandate is a good idea. Quote HistoryQuoted:
Quoted:
There is nothing about Obamacare in the OP. No, Obamacare is the answer to the OP and you're one of the ones saying the 26 year old mandate is a good idea. No, I'm saying it's a good idea for a parent to be willing and able to keep their kid under their insurance until 26. It's a reasonable age, and allows for advanced degrees. Not one of my comments has had shit to do with government mandates, Obamacare, or this weekend's Super Bowl. |
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Posted: 1/30/2015 8:32:11 AM EDT
[#36]
Quote HistoryQuoted:
No, I'm saying it's a good idea for a parent to be willing and able to keep their kid under their insurance until 26. It's a reasonable age, and allows for advanced degrees. Not one of my comments has had shit to do with government mandates, Obamacare, or this weekend's Super Bowl. Quote HistoryQuoted:
Quoted:
Quoted:
There is nothing about Obamacare in the OP. No, Obamacare is the answer to the OP and you're one of the ones saying the 26 year old mandate is a good idea. No, I'm saying it's a good idea for a parent to be willing and able to keep their kid under their insurance until 26. It's a reasonable age, and allows for advanced degrees. Not one of my comments has had shit to do with government mandates, Obamacare, or this weekend's Super Bowl. I'm so glad the wife and I worked full time and could get our own plans and play around with them when kids were at home. Young people are fucked nowadays. But to directly comment on your statement............where does it end? Twenty six is arguably too old IMHO...............you should be out of the house and supporting yourself by then IMHO. But I am an old guy. |
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Posted: 1/30/2015 8:33:02 AM EDT
[#37]
http://www.dol.gov/ebsa/faqs/faq-consumer-cobra.html
Major difference here; unlike as with Obamacare where the employer and the other employees (in one way or another) pay the lion's share of the premiums for the "kids", with COBRA, the parents pay the entire cost of continuing their "child's" health insurance at a rate of 102% the cost of the underlying group plan. Lots of Obamacare lovers on this site with an "it takes a village" mentality. |
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Posted: 1/30/2015 8:36:04 AM EDT
[#38]
Quote HistoryQuoted:
http://www.dol.gov/ebsa/faqs/faq-consumer-cobra.html Major difference here; unlike as with Obamacare where the employer and the other employees (in one way or another) pay the lion's share of the premiums for the "kids", with COBRA, the parents pay the entire cost of continuing their "child's" health insurance at a rate of 102% the cost of the underlying group plan. Lots of Obamacare lovers on this site with an "it takes a village" mentality. Without question it is spread out among the insured in the plan(s). |
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Posted: 1/30/2015 8:42:18 AM EDT
[#39]
Quote HistoryQuoted:
I'm so glad the wife and I worked full time and could get our own plans and play around with them when kids were at home. Young people are fucked nowadays. But to directly comment on your statement............where does it end? Twenty six is arguably too old IMHO...............you should be out of the house and supporting yourself by then IMHO. But I am an old guy. Quote HistoryQuoted:
Quoted:
Quoted:
Quoted:
There is nothing about Obamacare in the OP. No, Obamacare is the answer to the OP and you're one of the ones saying the 26 year old mandate is a good idea. No, I'm saying it's a good idea for a parent to be willing and able to keep their kid under their insurance until 26. It's a reasonable age, and allows for advanced degrees. Not one of my comments has had shit to do with government mandates, Obamacare, or this weekend's Super Bowl. I'm so glad the wife and I worked full time and could get our own plans and play around with them when kids were at home. Young people are fucked nowadays. But to directly comment on your statement............where does it end? Twenty six is arguably too old IMHO...............you should be out of the house and supporting yourself by then IMHO. But I am an old guy. Although the "noble" cause of college and advanced degrees has been interjected into this discussion; the likelihood is that the vast majority of the adult "kids" receiving health benefits at the expense of others under Obamacare, are sitting on their unemployed asses all day and playing video games rather than attending college. Obamacare, being a redistribution plan, sucks to its very core. |
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Posted: 1/30/2015 8:51:24 AM EDT
[#40]
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Posted: 1/30/2015 8:59:48 AM EDT
[#41]
Quote HistoryQuoted:
A lot of folks here can't seem to comprehend the concept of investing in your kids / the next generation. It's "you're 18, get out of the house!" http://www.ar15.com/media/viewFile.html?i=42757 Quote HistoryQuoted:
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I'm not sure but it makes sense. Seems like it gives someone a chance to get a higher education and into a field to provide insurance for themselves. A lot of folks here can't seem to comprehend the concept of investing in your kids / the next generation. It's "you're 18, get out of the house!" http://www.ar15.com/media/viewFile.html?i=42757 So you can't create a responsible, self sufficient adult in 18 years? You need another 6? |
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Posted: 1/30/2015 9:01:03 AM EDT
[#42]
Quote HistoryQuoted:
A lot of folks here can't seem to comprehend the concept of investing in your kids / the next generation. It's "you're 18, get out of the house!" http://www.ar15.com/media/viewFile.html?i=42757 Quote HistoryQuoted:
Quoted:
I'm not sure but it makes sense. Seems like it gives someone a chance to get a higher education and into a field to provide insurance for themselves. A lot of folks here can't seem to comprehend the concept of investing in your kids / the next generation. It's "you're 18, get out of the house!" http://www.ar15.com/media/viewFile.html?i=42757 Lol. I like you. No homo. |
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Posted: 1/30/2015 10:21:52 AM EDT
[#43]
It is some FSA initiative. We didn't have or need it it in the past. Suddenly, we do now.
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Posted: 1/30/2015 10:24:12 AM EDT
[#44]
to cover when in college, when they may not be working, or working part times, or a crap job with no beneys
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Posted: 1/30/2015 10:29:53 AM EDT
[#45]
Quote HistoryQuoted:
4 years of College, 4 years of Medical/Law/Grad School. it allowed parents to keep their kids on the family plan as long as they were a full-time student without having to worry about them getting sick and not being able to cover care Quote HistoryQuoted:
Quoted:
So, where did keeping children on health insurance until 26 years old come from? I mean, who first floated it ? 4 years of College, 4 years of Medical/Law/Grad School. it allowed parents to keep their kids on the family plan as long as they were a full-time student without having to worry about them getting sick and not being able to cover care This "stuff". In the past, it meant something to have a post grad degree. Not anymore. In the past, we did while working, in the case of the military, working and fighting. Any joker can "excel" today. Trophies for everyone! |
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Posted: 1/30/2015 10:31:50 AM EDT
[#46]
It's college plus grad school
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Posted: 1/30/2015 10:32:51 AM EDT
[#47]
bleeding hearts
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Posted: 1/30/2015 10:38:58 AM EDT
[#48]
Quote HistoryQuoted:
They're children until they are 26...unless she needs an abortion at 14, and then she is a young woman. Liberalism is a disease. Yep. Somehow, people managed in the past. Guess the FSA generation just isn't as capable. People can enlist at 17 or go to school while working. Most companies pay for higher education. That worked in the past. People just aren't what the used to be. |
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Posted: 1/30/2015 10:42:59 AM EDT
[#49]
Bottom line : We babysit people to age 26.
Amazing. |
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Posted: 1/30/2015 10:53:50 AM EDT
[#50]
Quote HistoryQuoted:
26? That's the age they graduate after 6 years of community college and 2 years of state or university. Funny.... But sadly.... True. |
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