The Great Hippo wrote:The Affordable Care Act is a crude attempt by the government to make healthcare affordable; ie, you can see it as the government trying to provide healthcare for its citizens (and using employers as part of the solution). If you'd rather the government just make healthcare available to everyone without relying on the employer, I'm right with you.cphite wrote:Millions of people buy their insurance individually; in fact, that's one of the biggest things that The Affordable Care Act does is force people (or at least, coerce people) who don't have employer-based insurance to buy it on their own. So given that that option is available, why should employers be required to provide it at all?
Crude attempt is putting it mildly.
The real underlying problem is the cost of care itself. The ACA does very little to address this, and even the few things to attempts to do are so riddled with loopholes and exceptions that they may as well not be there. As it stands, the ACA will actually increase the cost of insurance for most Americans, with the middle class being the hardest hit. That whole "cost curve" thing... it's bending upward, not downward.
Most folks in the exchange plans are not only going to be paying more in premiums, but they're also going to pay higher deductibles. The current spin is that this is because the exchange plans are "better" than the old plans... but as usual, it's not that simple. It's true that the exchange plans cover a wider range of things than the old plans; but in terms of coverage for the types of things that actually cause financial harm to people, they're actually worse. Sure, you now have access to birth control; but you're paying a lot more out of pocket if you're injured or very sick.
People need homes every bit as much as they need health coverage; arguably more so. Why is it the duty of the government or business to provide one and not the other?
Governments do provide housing, albeit sometimes suboptimally.
Right; governments provide housing. The don't mandate that a private business provide housing.
At some point in western history, civilized society decided it was the duty of its participants to provide for those who cannot provide for themselves. I guess you didn't get that memo?
Traditionally, when civilized society does something like this they do it via government; they don't mandate that private individuals or groups do it.
I have no problem with the government helping people buy insurance if they can't afford to themselves; or better yet, just directly pay for their care. There are ways to do that that would be far cheaper, and far more effective, than this convoluted mess called Obama Care.