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Health Insurance Industry Wants Insurance Mandate

If a new healthcare policy will require insurance companies to accept everyone, regardless of preexisting conditions, these companies want the government to require every American to buy coverage, or suffer a tax penalty. The board of the America's Health Insurance Plans endorsed such an arrangement this week, offering support to an impending change from the current system. The president of the group said:

We're going to provide all the technical background that we have assembled, all the experience we've assembled at the state level, and we're going to work very hard with members of Congress on both sides of the aisle. We want to make sure that whatever reforms are advanced, no one falls through the cracks.

Perhaps bolstered by the support from the industry that the Clintons lacked in the 90s, Barack Obama's chief-of-staff in waiting Rahm Emanuel told business leaders last night that the Obama administration will not accept incremental reform — they're looking for truly universal healthcare. He said that the Obama administration will "throw long and deep" on other major issues as well.

With the insurance companies putting down their arms, and even offering assistance, it looks like real healthcare reform could happen in the near future. Throw in the possibility of a 60-seat filibuster-proof majority, and the possibilities for change seem endless. Do you think Congress will ditch its tendency for inaction? Do you want it to?

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UnDave35 UnDave35 7 years
Personally, I like the idea (from a business sense) that if the government is going force the Insurance companies to accept everyone, then the government should also make everyone buy insurance.What I really think the government should be doing is cracking down on the causes of the higher health insurance prices, and not the symptom.
UnDave35 UnDave35 7 years
Personally, I like the idea (from a business sense) that if the government is going force the Insurance companies to accept everyone, then the government should also make everyone buy insurance. What I really think the government should be doing is cracking down on the causes of the higher health insurance prices, and not the symptom.
ilanac13 ilanac13 7 years
well i think that from the other side there's a reason that companies are a bit apprehensive about accepting anyone and that's on their own insurance end. they are in the business to provide coverage and still make money and if they have to pay out disproportionate amounts, then i get why they don't want to do it. the challenge is though that everyone should be able to get coverage if they want it. i don't think that we're ever going to find the happy solution when it comes to health insurance and medical attention. there are just too many sides to this one with too many debates going on at all times.
ilanac13 ilanac13 7 years
well i think that from the other side there's a reason that companies are a bit apprehensive about accepting anyone and that's on their own insurance end. they are in the business to provide coverage and still make money and if they have to pay out disproportionate amounts, then i get why they don't want to do it. the challenge is though that everyone should be able to get coverage if they want it.i don't think that we're ever going to find the happy solution when it comes to health insurance and medical attention. there are just too many sides to this one with too many debates going on at all times.
azulsky azulsky 7 years
Its the Health Insurance Industry that wants the Mandate. I hope Obama (or Congress) doesn't go for that, that's one of the reason I voted for him in the primaries, no mandates. Hilliary's plan included a mandate, which I just can not get behind. If people can't afford Health insurance, I'm pretty sure they can't afford to be penalized for not buying some either. But this seems like its just to appease the Insurance Company and their bottom lines.
UnDave35 UnDave35 7 years
Also, if I have to pay a benefits person to administer said healthcare Ins, that's another cost that I, Joe business owner have to incur for an insurance that I can eliminate.
UnDave35 UnDave35 7 years
"Because Joe the business owner gets a tax cut for offering health insurance to his companies. Also an exceptional benefits package lures top talent." What tax incentive is better than "no Charge"
UnDave35 UnDave35 7 years
"Because Joe the business owner gets a tax cut for offering health insurance to his companies. Also an exceptional benefits package lures top talent."What tax incentive is better than "no Charge"
StolzeMama StolzeMama 7 years
I would rather have a job then healthcare!!!!!!!!!!
MarinerMandy MarinerMandy 7 years
I think the best thing about hospitals going paperless is that every week we get to hear stories on the news about medical records being accidentally posted online.I'm not entirely on board Obama's plan. I do think that insurers should have to offer coverage to everyone and that coverage should be available to everyone, but I have a really tough time accepting that everyone must buy coverage. I can't see the price coming down enough to reasonably expect everyone to be able to fit that into their budgets.
MarinerMandy MarinerMandy 7 years
I think the best thing about hospitals going paperless is that every week we get to hear stories on the news about medical records being accidentally posted online. I'm not entirely on board Obama's plan. I do think that insurers should have to offer coverage to everyone and that coverage should be available to everyone, but I have a really tough time accepting that everyone must buy coverage. I can't see the price coming down enough to reasonably expect everyone to be able to fit that into their budgets.
bastylefilegirl bastylefilegirl 7 years
People get so caught up in " oh my but this may put people out of work" and the emotions of that, that we forget that the amount of people out of a job compared to the huge amount of people who currently don't have healthcare.
bluesarahlou bluesarahlou 7 years
One of the hospitals near me is transferring to a paperless system. If it weren't for the company in charge of making that change, my brother would be out of a job.
bluesarahlou bluesarahlou 7 years
One of the hospitals near me is transferring to a paperless system. If it weren't for the company in charge of making that change, my brother would be out of a job.
bastylefilegirl bastylefilegirl 7 years
Most major hosptials are totally electronic i.e. most HMO's are, but some of PPO ( private practice) providers aren't.
StolzeMama StolzeMama 7 years
I work at a hospital and have seen first hand the damage that government runs programs cause. Switching to paperless is highly costly initially... and guess what else it does, cuts back on the number of employees... therefore increasing the jobless rate... Mighty high goals Obama has, but everything has a cause and an effect
kranky kranky 7 years
Jill - I don't think that the tax incentive for Joe the business owner is going to compensate for the cost of covering employees' health insurance. It's horribly expensive. I'm not totally convinced at how Obama is going to cut medical costs. I've read some about his mandate for electronic records - and quite frankly - it's BS. All healthcare providers were supposed be paperless this year (or is it next...I'll look it up). I know this because I have a family member who closed his medical practice and started a company that gets hospitals on a totally paperless system. I admit that his plan has some great ideas, but I do not believe that they are achievable. The fact that the insurance companies are getting on board makes me think that they only see profit in this latest venture - not cutting costs. IMO - the only way to cut costs is to pass the burden of smart shopping onto the consumer.
kranky kranky 7 years
Jill - I don't think that the tax incentive for Joe the business owner is going to compensate for the cost of covering employees' health insurance. It's horribly expensive.I'm not totally convinced at how Obama is going to cut medical costs. I've read some about his mandate for electronic records - and quite frankly - it's BS. All healthcare providers were supposed be paperless this year (or is it next...I'll look it up). I know this because I have a family member who closed his medical practice and started a company that gets hospitals on a totally paperless system.I admit that his plan has some great ideas, but I do not believe that they are achievable. The fact that the insurance companies are getting on board makes me think that they only see profit in this latest venture - not cutting costs. IMO - the only way to cut costs is to pass the burden of smart shopping onto the consumer.
melizzle melizzle 7 years
Of course insurance companies will want everyone to have health care. If by law, they have to accept everyone, regardless of pre-existing conditions, and most likely provide it at some sort of government-subsidized price, they are going to be losing tons of money. What better way to recoup their loss than a law requiring health coverage?
melizzle melizzle 7 years
Of course insurance companies will want everyone to have health care. If by law, they have to accept everyone, regardless of pre-existing conditions, and most likely provide it at some sort of government-subsidized price, they are going to be losing tons of money.What better way to recoup their loss than a law requiring health coverage?
zeze zeze 7 years
I see what you're saying Mich, I'm not saying they will be identical, obviously there is a major differences between them and the purposes will be very different, but as a mandate for insurance I saw the closest parallel in car insurance being mandatory. The would definitely share some qualities and the insurers would likely react in somewhat similar ways - not the same, but similar. Because this is new and we haven't tried it before, one way to look at it would be to compare it to car insurance mandates.
zeze zeze 7 years
I see what you're saying Mich, I'm not saying they will be identical, obviously there is a major differences between them and the purposes will be very different, but as a mandate for insurance I saw the closest parallel in car insurance being mandatory. The would definitely share some qualities and the insurers would likely react in somewhat similar ways - not the same, but similar. Because this is new and we haven't tried it before, one way to look at it would be to compare it to car insurance mandates.
Jillness Jillness 7 years
"Joe business owner, want to keep my group health Ins for my employees, when I know that my employees can now go get it themselves cheaper than I'm currently providing it?"Because Joe the business owner gets a tax cut for offering health insurance to his companies. Also an exceptional benefits package lures top talent. The Obama health care plan has many, many different aspect to it. Like removing catostrophic illness from being the responsibility of group insurance, cutting costs in health care processing, reforming malpractice insurance, prescription drug reform, etc. How can you critize a plan when you haven't read all of the nuanced details of it?
Jillness Jillness 7 years
"Joe business owner, want to keep my group health Ins for my employees, when I know that my employees can now go get it themselves cheaper than I'm currently providing it?" Because Joe the business owner gets a tax cut for offering health insurance to his companies. Also an exceptional benefits package lures top talent. The Obama health care plan has many, many different aspect to it. Like removing catostrophic illness from being the responsibility of group insurance, cutting costs in health care processing, reforming malpractice insurance, prescription drug reform, etc. How can you critize a plan when you haven't read all of the nuanced details of it?
Michelann Michelann 7 years
Zeze, there's a very different purpose for mandatory car liability insurance and mandatory health insurance. Car liability insurance is to keep you from hurting other people, not to protect you from yourself. Although car insurance functions to protect everybody, that is not the primary purpose. Furthermore, car insurance is only mandatory for those who choose to drive, so it is not 'mandatory' in the way that health insurance would be 'mandatory'. As far as the rest of what you said, it doesn't apply. There is not government sponsored car insurance for those who can't afford other car insurance. So there's no government car insurance model for a government health insurance agency to follow.
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