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AverageOldGuy

(3,222 posts)
Wed Nov 26, 2025, 10:20 PM Nov 26

It's about medical insurance

Watching Jonathan Capehart subbing for Lawrence. He’s delivering his usual excellent layout of the real situation about medical insurance in the US.

Which raises my question: Why can’t we knock off the bullshit about employer-provided (and employee paid for) insurance, ACA, Health Savings Accounts, subsidies, and God-only-knows-what-other-scheme and simply go with National Health Insurance same as every other civilized country?

Oh, excuse me. I’m on my third Jack and Coke. I guess I’m not smart enough to understand.

15 replies = new reply since forum marked as read
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LogDog75

(1,014 posts)
1. I agree.
Wed Nov 26, 2025, 10:30 PM
Nov 26

I have Medicare and Tricare-for-Life from the military and that's all I need. Both are great socialistic medical programs!

I favor Medicare-for-All. Instead of giving the medical insurance companies money employers would provide their share of healthcare costs, the amount the would normally pay to insurance companies, to Medicare. Individuals would be required to contribute to Medicare through their taxes based on their gross income. The reason for using gross income rather than adjusted income is to help prevent the rich from using tax deductions to pay less in Medicare taxes.

It might sound simplistic, but with some tweaks, it could work.

mike_c

(36,875 posts)
13. yes, absolutely
Thu Nov 27, 2025, 11:10 AM
Thursday

Americans already pay the highest healthcare costs in the developed world, we just pay it mostly to insurance companies. Cut out the parasites in the middle and we can pay additional taxes for Healthcare and still save money. Medicare is super efficient and would be the most likely model we'd follow, presumably with some improvements and extensions into vision care, dental, etc.

Silent Type

(12,235 posts)
5. It makes total sense and is best for everyone, but this is why it unlikely will happen overnight here.
Wed Nov 26, 2025, 11:06 PM
Nov 26

Sad thing is, a Pew Poll in 2023 showed 57% of population supports universal coverage, but 53% want private insurance.

“WASHINGTON, D.C. -- A 57% majority of U.S. adults believe that the federal government should ensure all Americans have healthcare coverage. Yet nearly as many, 53%, prefer that the U.S. healthcare system be based on private insurance rather than run by the government. These findings are in line with recent attitudes about the government’s involvement in the healthcare system, which have been relatively steady since 2015.”

https://news.gallup.com/poll/468401/majority-say-gov-ensure-healthcare.aspx

That was January 2023, maybe it's changed.

So, first we have to get by the opposition. Even if it’s 40%, doubt any Dem would cram it down peoples’ throats.

A Public Option would be great. If it’s as good as we think, people will gravitate to it quickly squeezing out private insurers. But the key is to get everyone covered; however, that’s accomplished.

Another bridge is EVERY major improvement in healthcare since 1990s involves private insurers— Part C under Clinton, Part D drugs, ACA/Obamacare, Medicare Advantage, and Medicaid Expansion? Maybe we can say screw you to those not convinced, but don’t think anything will pass now or 5 years from now by doing that.

Jacson6

(1,686 posts)
6. There are not enough votes in the Congress.
Wed Nov 26, 2025, 11:24 PM
Nov 26

Otherwise Obama and Biden would have already done it. The congress critters need their campaign contributions and PAC money.

dweller

(27,638 posts)
7. The congresscritters
Wed Nov 26, 2025, 11:37 PM
Nov 26

Need to have their socialist health coverage eradicated .
Let them depend on what we have to fight against .
Equal the playing field .


✌🏻

Silent Type

(12,235 posts)
9. Good question. Had to look it up. This is what AI says. Basically, Yes.
Thu Nov 27, 2025, 12:06 AM
Thursday

AI Overview
Yes, since 2014, Members of Congress and their designated staff are required to obtain their health insurance through an Affordable Care Act (ACA) marketplace (specifically, the Small Business Health Options Program, or SHOP, exchange in the District of Columbia, known as the DC Health Link) in order to receive an employer contribution from the federal government.

EdmondDantes_

(1,235 posts)
14. The problem there is the government contribution
Thu Nov 27, 2025, 11:23 AM
Thursday

The reason the ACA expanded subsidies are such a big deal is that the people in the individual market don't have an employer paying a portion. My employer covers something like 80% of my premium. The government covers about 75% of a premium for Congress plus there are some additional benefits for low cost care. So while they are on the ACA individual plans, it functions more like normal employer insurance.

JT45242

(3,782 posts)
10. Gerrymandering post 2010 guaranteed that
Thu Nov 27, 2025, 12:36 AM
Thursday

Congress critters are bought and paid for.

Over 90 per cent of districts are gerrymandered to be non-competitive.

So billionaires win. Look at who owns hospitals...
1. Catholic churches to force feed their anti-abortion, anti birth control agenda on everyone
2. Venture capital groups who want at least 25 percent profit.

Neither of which want good health care.

idahoblue

(443 posts)
12. The entire system is fractured and management is redundant
Thu Nov 27, 2025, 12:50 AM
Thursday

We have:
Medicare
Tri-care
VA
CHIP
Medicaid
Workman’s comp
ACA (which is just subsidized private insurance)
Employer based insurance
Private insurance

Did I leave out anything?

Wounded Bear

(63,633 posts)
15. If we don't come out of this fiasco without some form of Medicare for all we're doomed.
Thu Nov 27, 2025, 11:36 AM
Thursday

don't care what it's called, I just think some form of public option is desperately needed.

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