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The End is Near

  • europhilz said...

    so failure to pay your insurance tax is covered in the same section as employment taxes? it's a tax. Why are so many on the left so scared to call it what it is?

    I honestly don't care what we call it.

    Uhaul

  • Uhaul said...

    Again, you're drawing apples and oranges comparisons. Preventing individuals from participating in activities (for which they would be otherwise qualified) on the basis of their race, gender, creed, religion, disability, etc. is simply not the same thing as imposing a taxation rate based upon total income.

    There is absolutely no valid reason for the former...and fairly obvious reasons for the latter (whether you agree with those reasons is another matter).

    So, you're against affirmative action? Considering white males can be passed over, even when more qualified, for a minority or a woman. Or a student gets denied admission to a university bc the university is allowing students with lower grades in, in order to meet certain enrollment standards.

    I'll assume you believe that law should be done away with.

    europhilz

  • CockAtLaw said...

    Because it creates a talking point rather than allowing for a legitimate substantive debate about the merits of the bill. For every article about a small business that hates the legislation, there is one where a small business supports it. For every discussion about spending there is an article showing its a deficit reduction package. The news shows this. The discussion is the name rather than the substance.

    I am more than happy to call it a tax if someone will provide a legitimate reasonable alternative so the second half of "repeal and replace" will finally be known. It must be a real solution though; not just a bundle of promises. How will it be paid for? How will 33 million people become covered? How will it lower costs and improve care? I don't know of Obamacare will do that, but we know for a fact the current system won't. We have one comprehensive proposal on the table and another call for repeal and replace. Let's both get past the talking points and discuss options.

    Call it a tax, i don't care, but provide a comprehensive proposal except the current "we'll fix it, trust us" that's on the table. The CBO has shown that tort reform and increased HSAs don't come close to getting it done, so how will it.

    I don't think a law that is passed pursuant to "taxing and spending clause" authority is per se a tax, but I'm willing to concede the issue if it means we can move on and hear the alternative, not just the promise to get rid of Obamacare and fix our system which reminds me of Pedro's "I'll make all your wildest dreams come true!"

    I'm no law writer, but, seems to me.............

    If you can force the people to purchase a product, then surely you can force an industry to meet certain standards(I know you can). So, why not require insurance providers to provide affordable plans to pre-existing conditions. Allow children, as they've done, to remain on parents plans until 26. And, since the IRS can determine who can afford to purchase insurance, then they can also determine who can afford to pay their medical bills. If somone that can afford to pay their medical bills is not doing so, use the IRS to levy fines and garnish wages to collect payment. Medicaid already exist to cover lower incomes. So, you've got coverage for pre-existing, you've provided a consequence for those that do not pay and you've allowed children to remain under parental coverage for longer.

    A few years ago I didn't have insurance coverage and required medical care. I was billed and I paid them. So long as you're paying your bills, you're fine. If you can't afford them, you fall under medicaid.

    I'm sure I'm missing something, but that seems pretty simple.

    europhilz

  • europhilz said...

    I'm no law writer, but, seems to me.............

    If you can force the people to purchase a product, then surely you can force an industry to meet certain standards(I know you can). So, why not require insurance providers to provide affordable plans to pre-existing conditions. Allow children, as they've done, to remain on parents plans until 26. And, since the IRS can determine who can afford to purchase insurance, then they can also determine who can afford to pay their medical bills. If somone that can afford to pay their medical bills is not doing so, use the IRS to levy fines and garnish wages to collect payment. Medicaid already exist to cover lower incomes. So, you've got coverage for pre-existing, you've provided a consequence for those that do not pay and you've allowed children to remain under parental coverage for longer.

    A few years ago I didn't have insurance coverage and required medical care. I was billed and I paid them. So long as you're paying your bills, you're fine. If you can't afford them, you fall under medicaid.

    I'm sure I'm missing something, but that seems pretty simple.

    You just perfectly described in great detail the President's Affordable Care Act, Mitt Romney's Health Care Reform in Massachusetts, and the Heritage Foundation's 1993 alternative to Clinton's Health Care bill.

    You now join every other GOP lemming on this planet in heartily endorsing every element of Obamacare while simultaneously calling it socialism and Obama a communist for introducing it.

    You people are just hilarious.

    signature image

    81 Alumnus

  • 81 Alumnus said...

    You just perfectly described in great detail the President's Affordable Care Act, Mitt Romney's Health Care Reform in Massachusetts, and the Heritage Foundation's 1993 alternative to Clinton's Health Care bill.

    You now join every other GOP lemming on this planet in heartily endorsing every element of Obamacare while simultaneously calling it socialism and Obama a communist for introducing it.

    You people are just hilarious.

    Oh really? I didn't realize I could go without coverage and not be fined. So long as I pay for the care I am provided. That's the MAJOR difference in what I'm describing. If you don't have insurance coverage but responsibly pay your bills, you're fine. No taxes, no 'penalty', for not having coverage.

    For instance, a few years ago, I had no health insurance coverage and required care. The bills came, I paid them in full and that was that. I would not be forced to purchase coverage, nor would I be penalized or fined for a lack of coverage. Why? Bc I'm paying my medical bills.

    Now, if you're arguing that that perfectly sums up the ACA, then that's a very interesting take on the bill.

    europhilz

  • 81 Alumnus said...

    You just perfectly described in great detail the President's Affordable Care Act, Mitt Romney's Health Care Reform in Massachusetts, and the Heritage Foundation's 1993 alternative to Clinton's Health Care bill.

    You now join every other GOP lemming on this planet in heartily endorsing every element of Obamacare while simultaneously calling it socialism and Obama a communist for introducing it.

    You people are just hilarious.

    Also, under the ACA, the IRS can NOT garnish wages or emprison, etc. They have very limited powers to collect. My point is to allow them very strong ability to collect for unpaid medical bills.

    europhilz

  • europhilz said...

    Oh really? I didn't realize I could go without coverage and not be fined. So long as I pay for the care I am provided. That's the MAJOR difference in what I'm describing. If you don't have insurance coverage but responsibly pay your bills, you're fine. No taxes, no 'penalty', for not having coverage.

    For instance, a few years ago, I had no health insurance coverage and required care. The bills came, I paid them in full and that was that. I would not be forced to purchase coverage, nor would I be penalized or fined for a lack of coverage. Why? Bc I'm paying my medical bills.

    Now, if you're arguing that that perfectly sums up the ACA, then that's a very interesting take on the bill.

    The ACA accomplishes the same thing legally. By assessing a tax penalty on those who don't buy insurance even though they can afford it. Same as the Heritage Foundation plan and Romney Care.

    Your plan would require a constitutional amendment dramatically expanding the IRS's duties to allow it to be a collection agency for private business.

    It perfectly sums up the utter hypocrisy of the right that you are horrified by the federal government assessing a perfectly legal tax penalty for not buying insurance, just as it does for not having kids, not having a mortgage and many other things, but in the name of "small government," you would love for the IRS to have a massive new power to seize assets to act as a collection agency for private business, a practice that is basically no different legally than debtor's prison.

    All because Barack Obama endorsed the former not the latter.

    BTW, I've noticed you never give straight up answers in your replies. I'm gonna give you a chance. Yes or no, without commentary, do you believe Obama was born in Hawaii as he claims?

    signature image

    81 Alumnus

  • 81 Alumnus said...

    The ACA accomplishes the same thing legally. By assessing a tax penalty on those who don't buy insurance even though they can afford it. Same as the Heritage Foundation plan and Romney Care.

    Your plan would require a constitutional amendment dramatically expanding the IRS's duties to allow it to be a collection agency for private business.

    It perfectly sums up the utter hypocrisy of the right that you are horrified by the federal government assessing a perfectly legal tax penalty for not buying insurance, just as it does for not having kids, not having a mortgage and many other things, but in the name of "small government," you would love for the IRS to have a massive new power to seize assets to act as a collection agency for private business, a practice that is basically no different legally than debtor's prison.

    All because Barack Obama endorsed the former not the latter.

    BTW, I've noticed you never give straight up answers in your replies. I'm gonna give you a chance. Yes or no, without commentary, do you believe Obama was born in Hawaii as he claims?

    Good point about them collecting for private companies. I'd agree with that being a power they shouldn't have. It was an idea(I know that you are big on where ideas come from), to provide a consequence for those that we're so worried about covering, loosely using the ACA as the basis(in that the IRS is involved in 'non-tax' collection. What about creating a database that, in conjuction with the IRS(again to determine who can afford care and who can't), all care providers have access to, and if you're not making payments on your past bills AND are in the 'can afford' pool, then providers have the right to deny care. That way, if you want to run the risk of no coverage AND you don't pay, that's the risk you run. I'm sure there's a major hole there, but it doesn't 'deny' access to anyone that is in good standing with paying their bills, and doesn't require anyone to purchase if they chose not to.

    The difference in the child/mortgage example - you have the option. The ACA isn't a - buy a policy and get an deduction. It's a - don't buy and we fine you.

    BTW - I've said for some time, since so many on the left want loopholes closed bc wealthy take advantage, that ALL loopholes should be closed. Including the mortgage insurance loophole.

    europhilz

  • europhilz said...

    Good point about them collecting for private companies. I'd agree with that being a power they shouldn't have. It was an idea(I know that you are big on where ideas come from), to provide a consequence for those that we're so worried about covering, loosely using the ACA as the basis(in that the IRS is involved in 'non-tax' collection. What about creating a database that, in conjuction with the IRS(again to determine who can afford care and who can't), all care providers have access to, and if you're not making payments on your past bills AND are in the 'can afford' pool, then providers have the right to deny care. That way, if you want to run the risk of no coverage AND you don't pay, that's the risk you run. I'm sure there's a major hole there, but it doesn't 'deny' access to anyone that is in good standing with paying their bills, and doesn't require anyone to purchase if they chose not to.

    The difference in the child/mortgage example - you have the option. The ACA isn't a - buy a policy and get an deduction. It's a - don't buy and we fine you.

    BTW - I've said for some time, since so many on the left want loopholes closed bc wealthy take advantage, that ALL loopholes should be closed. Including the mortgage insurance loophole.

    I knew you wouldn't answer the question about Obama's birth. Gawd, you are predictable.

    signature image

    81 Alumnus

  • 81 Alumnus said...

    I knew you wouldn't answer the question about Obama's birth. Gawd, you are predictable.

    Honestly, I didn't even think about answering that. I think it's a wasted discussion. Yes, unless there's any real evidence to discount that, I think he's a natural born citizen. I paid attention to that for about a month, but had you asked me where he was born I'd have probably answered California. That's how little I care about the subject at this point.

    europhilz

  • europhilz said...

    Honestly, I didn't even think about answering that. I think it's a wasted discussion. Yes, unless there's any real evidence to discount that, I think he's a natural born citizen. I paid attention to that for about a month, but had you asked me where he was born I'd have probably answered California. That's how little I care about the subject at this point.

    My question is so, so simple.

    For the third time: Yes or no, without commentary, do you believe Obama was born in Hawaii as he claims?

    signature image

    81 Alumnus

  • And I answered it - yes.

    europhilz

  • europhilz said...

    And I answered it - yes.

    You just can't do it. You are incapable of a one word answer.

    I'm sorry I hassled you. It's like pulling wings off a fly.

    signature image

    81 Alumnus

  • europhilz said...

    I'm no law writer, but, seems to me.............

    If you can force the people to purchase a product, then surely you can force an industry to meet certain standards(I know you can). So, why not require insurance providers to provide affordable plans to pre-existing conditions. Allow children, as they've done, to remain on parents plans until 26. And, since the IRS can determine who can afford to purchase insurance, then they can also determine who can afford to pay their medical bills. If somone that can afford to pay their medical bills is not doing so, use the IRS to levy fines and garnish wages to collect payment. Medicaid already exist to cover lower incomes. So, you've got coverage for pre-existing, you've provided a consequence for those that do not pay and you've allowed children to remain under parental coverage for longer.

    A few years ago I didn't have insurance coverage and required medical care. I was billed and I paid them. So long as you're paying your bills, you're fine. If you can't afford them, you fall under medicaid.

    I'm sure I'm missing something, but that seems pretty simple.

    I am no legislator or policy expert either, but it seems to me that the ACA requires coverage of pre-existing conditions and allows for children to stay on their parents' plans until 26. The rest of you post is relating to payments in lieu of a mandate.

    The purpose of the mandate is to encourage and make more affordable preventative care. Most health experts agree that lack of preventative care is one of the main reasons our medical costs are as high as they are with worse treatment than most other developed countries. When someone who doesn't have insurance gets diabetes, rather than learning how to properly live with the disease and making adjustments to slow its growth and impact, they go undiagnosed and show up at an emergency room needing an amputation. The lack of preventative care across the board is a major problem. Your solution does nothing to fix it because you haven't increased insurance coverage and studies have shown that people with insurance have significantly higher opportunities to receive preventative care than those without.

    In addition, what you have proposed gets government involved more in the process than they would be under the ACA. Are you suggesting that the IRS should now operated as bill collectors for our nation's health care system? Make no mistake this would be an incredibly large undertaking that would require a significant increase in the number of IRS agents and government bureaucrats. Right now, the IRS is only able to audit the tax returns of approximately 1% of Americans. Think of the number without insurance or where coverage has run out that have medical bills outstanding. You are suggesting that we hire IRS agents to go out, audit returns, examine hospital bills and collect this money? And from the same person who recognized that current enforcement by the IRS is weak, at best, you want to give them more power to enforce the laws including liens, levys, garnishments, etc.

    With Medicaid, I believe you are proposing a significant expansion of federal funding. Right now, in Texas, a single person only qualifies for Medicaid if they make less than $2,900 per year. This means that every single person in Texas who makes $3,000 or more per year without insurance would be subject to IRS enforcement action. The ACA sets Medicaid funding eligibility nationwide at 133% of the poverty level, which means a single person making approximately $14,800 per year or less will qualify for Medicaid.

    Your plan seems to adopt an approach of less personal responsibility because it doesn't require people to pay for or plan for what they need. If I want to buy a car, I save and maybe use credit which is understood beforehand to make sure I can make my payments and am doing things right. Your plan seems to adopt the approach of "it's better to beg for forgiveness than ask for permission."

    Additionally, your plan above does nothing curb the extreme problem of healthcare costs in our country. As other posters have pointed out, this problem is not just a healthCARE problem, but a healthCOST problem. The ACA contains provisions that provide incentives to providers who are able to more efficiently provide quality care; i.e., benefits and incentives for not ordering unnecessary tests. There are "death panels" set up whose sole purpose is to review different procedures for common problems to find the most cost-effective way of providing care without decreasing results. No, these "death panels" do not tell individual people what care they can get, that is purely between the patient and the doctor. These "death panels" do nothing but provide recommendations to Congress as to which procedures are the most efficient and effective procedures that Medicaid is covering, and, only if Congress does not act on the Medicaid cost issues (rejecting them all would be acting, do the "death panel's" recommendations go into effect.

    I know this seems simple to you but our system currently costs more than twice as much per person to administer as other developed countries yet our life expectancy is less. Perhaps the problem is more complicated than you realize.

    I have answered and responded to a number of your posts in this thread and you still haven't answered my one request; please provide a link to the comprehensive package republicans are proposing to "replace" Obamacare with. I keep hearing "repeal and replace" but I can't find the plan. Please provide a link so I can read both reform plans myself and develop my opinion as to which one I think is most likely to work. Thanks.

    signature image

    You may run like Hayes, but you hit like $*!#

    CockAtLaw

  • 81 Alumnus said...

    Your plan would require a constitutional amendment dramatically expanding the IRS's duties to allow it to be a collection agency for private business.

    It perfectly sums up the utter hypocrisy of the right that you are horrified by the federal government assessing a perfectly legal tax penalty for not buying insurance, just as it does for not having kids, not having a mortgage and many other things, but in the name of "small government," you would love for the IRS to have a massive new power to seize assets to act as a collection agency for private business, a practice that is basically no different legally than debtor's prison.

    Good point, I tried to make the same point in my post above, but you did it more forcefully. I still think that even if the IRS were given this responsibility, the number of IRS agents would need to be tripled or more to effectively collect. Right now, with the way the IRS has been demonized and defunded since 2001, enforcement and audit activity has gone down significantly. That would have to change.

    signature image

    You may run like Hayes, but you hit like $*!#

    CockAtLaw

  • CockAtLaw said...

    Good point, I tried to make the same point in my post above, but you did it more forcefully. I still think that even if the IRS were given this responsibility, the number of IRS agents would need to be tripled or more to effectively collect. Right now, with the way the IRS has been demonized and defunded since 2001, enforcement and audit activity has gone down significantly. That would have to change.

    Thought on a database that all care providers have to inform them who isn't paying their bills and who is? And giving them the right to deny coverage to those who are not paying.

    europhilz

  • 81 Alumnus said...

    You just can't do it. You are incapable of a one word answer.

    I'm sorry I hassled you. It's like pulling wings off a fly.

    Wrong

    This post has been edited 2 times, most recently by europhilz on 7/3/2012 at 6:39 AM

    europhilz

  • europhilz said...

    Thought on a database that all care providers have to inform them who isn't paying their bills and who is? And giving them the right to deny coverage to those who are not paying.

    Okay, so now we are getting into a substantive issue; the right to deny coverage based on ability to pay. However, in your plan above, you seem to proposing a set-up where care is provided and then paid for after the fact, with the IRS as the collection authority if payments are not made. By that time, it's too late to deny them coverage for not paying because they have already been given care. Are you suggesting that if bills aren't paid they shouldn't be seen for follow-up care?

    Please provide a link to the "replace" portion of "repeal and replace." Not a newspaper article with a set of empty promises but a comprehensive proposed solution that addresses costs, coverage, and how it is paid for.

    signature image

    You may run like Hayes, but you hit like $*!#

    CockAtLaw

  • 81alum...... Since you're like one word responses, I'm curious - do you believe someone should be allowed to be denied a job, or a higher education, based on race, sex, etc? Yes or no.

    This post was edited by europhilz on 7/3/2012 at 8:27 AM

    europhilz

  • One word answers to complicated issues are SO useful...

    "Religion is fundamentally opposed to everything I hold in veneration--courage, clear thinking, honesty...and love of truth"

    DeliciousTacos

  • europhilz said...

    81alum...... Since you're I to one word responses, I'm curious - do you believe someone should be allowed to be denied a job, or a higher education, based on race, sex, etc? Yes or no.

    Do you still beat your wife?

    "Religion is fundamentally opposed to everything I hold in veneration--courage, clear thinking, honesty...and love of truth"

    DeliciousTacos

  • CockAtLaw said...

    Okay, so now we are getting into a substantive issue; the right to deny coverage based on ability to pay. However, in your plan above, you seem to proposing a set-up where care is provided and then paid for after the fact, with the IRS as the collection authority if payments are not made. By that time, it's too late to deny them coverage for not paying because they have already been given care. Are you suggesting that if bills aren't paid they shouldn't be seen for follow-up care?

    Please provide a link to the "replace" portion of "repeal and replace." Not a newspaper article with a set of empty promises but a comprehensive proposed solution that addresses costs, coverage, and how it is paid for.

    These are just thoughts off the top of my head.

    My thought is to provide a searchable database that can be quickly referenced based on SSN and name, that in conjuction with the IRS(to inform providers who is capable of coverage and who is not), that informs care providers if a potential patient has coverage, and if not, their history of paying prior medical bills. If the patient is not in good standing, then care providers can decline care.

    europhilz

  • Complicated? Nobody should be denied something based on race or sex. Denying someone based on those qualities is racism/sexism. Do you fall into that category?

    europhilz

  • europhilz said...

    These are just thoughts off the top of my head.

    My thought is to provide a searchable database that can be quickly referenced based on SSN and name, that in conjuction with the IRS(to inform providers who is capable of coverage and who is not), that informs care providers if a potential patient has coverage, and if not, their history of paying prior medical bills. If the patient is not in good standing, then care providers can decline care.

    Ok, I understand what you are saying.

    Who would maintain the database and who would be liable for mistakes when they happen, and they will happen, and when those mistakes happen and they result in denial of treatment and possibly death?

    Also, IRS procedures and information will have to be updated because tax returns by their very nature are backward looking; they don't give an accurate representation of a person's finances today, but rather what the finances were over the prior calendar year. When dealing with someone's life, I would think that more accurate information would be desired.

    And last, just to be completely clear because I don't want to put words into your mouth; if a person who has not paid hospital bills or care provider bills in the past, say for a broken nose (as an example), shows up at an emergency room having a heart attack and in need of assistance, you are comfortable with that emergency room declining to treat the person and letting them continue going into cardiac arrest in the waiting room or on the street because that person has previously unpaid bills? The care providers will be allowed to deny treatment based on no reason other than ability to pay?

    ***Please provide a link to the comprehensive plan discussing healthcare costs, coverage, and funding that is being proposed by republicans to replace Obamacare.***

    signature image

    You may run like Hayes, but you hit like $*!#

    CockAtLaw

  • europhilz said...

    81alum...... Since you're like one word responses, I'm curious - do you believe someone should be allowed to be denied a job, or a higher education, based on race, sex, etc? Yes or no.

    No.

    signature image

    81 Alumnus