The ACA Is Why Insurance Is So Darn Expensive. If Insurance Has To Take On More Risk And Pay Out More

The ACA is why insurance is so darn expensive. If insurance has to take on more risk and pay out more for "preventive" services then they have to jack up the costs to make money. The federal subsidies are the only way this is affordable. Too bad we can't just make it possible for people to shop around and compare pricing for medical services so the free market can regulate pricing.

You have no idea what you're talking about.

The ACA *subsidizes* insurance for anyone who makes less than 400% of the federal poverty line. *And* it mandates insurers cover anyone regardless of prior illness with no lifetime caps, *and* cover a broad range of essential services. https://t.co/BHJPq5MgLF

— Matthew Chapman (@fawfulfan) January 17, 2024
The ACA also regulated pricing of insurance plans, so insurers can't arbitrarily jack up prices without an explanation, and required them to spend corporate profits on care if they exceed a certain level.

And employer-provided plans were required to cover essential services too.

— Matthew Chapman (@fawfulfan) January 17, 2024
There was basically no insurance for individuals before the ACA. Plans that did exist could be denied or revoked for any reason, or exclude basic things like checkups or preventative care.

If you didn't have insurance from your employer, you were screwed. And maybe even then.

— Matthew Chapman (@fawfulfan) January 17, 2024
The ACA also expanded Medicaid, turning it from a tiny safety net for low-income families into a broad-based free public insurance plan available to anyone making up to 138% of the federal poverty line.

In 2010, just 54 million people were on Medicaid. Now it's 88 million.

— Matthew Chapman (@fawfulfan) January 17, 2024
And all of this expansion of health care was financed by new payroll taxes on the ultra-wealthy.

The ACA was the largest transfer of wealth from the rich to the poor since the Great Society. Which is why the GOP hated it and spent a decade trying to kill it.

— Matthew Chapman (@fawfulfan) January 17, 2024
This is why it's wrong to claim, as many do, the ACA was "originally a right-wing plan from the Heritage Foundation."

The Heritage plan was *just* to fine people with no coverage. None of the other stuff. No subsidies, no consumer protections, no Medicaid, no taxing the rich.

— Matthew Chapman (@fawfulfan) January 17, 2024
All of that stuff was a progressive Democratic health care plan.

And it was so successful that people just take it for granted now that this is how insurance works. They don't even remember how bad it was before Obama, Biden, and congressional Democrats came in and fixed it.

— Matthew Chapman (@fawfulfan) January 17, 2024
Can we do more? Absolutely. Some states are looking to create public options in the ACA exchanges where people can buy into Medicaid, to get to true universal health care.

But it's worth noting, these proposals are only possible because they build on top of what the ACA created.

— Matthew Chapman (@fawfulfan) January 17, 2024

More Posts from Tarume and Others

1 year ago

Y’all I’m dying

1 year ago

For your art request: can I ask for an art of Wolfie with Wild) I love these blorboes so much!

Your artstyle is so cool, I adore it enormously!!!)

Yawning is contagious...😪

For Your Art Request: Can I Ask For An Art Of Wolfie With Wild) I Love These Blorboes So Much!
1 year ago

To believe in something beyond objective reality is a religion. You cannot force people to believe your religion.

Yes, Let's Talk About "your" Pronouns For A Moment, Because I Have Some Thoughts On The Matter...

Yes, let's talk about "your" pronouns for a moment, because I have some thoughts on the matter...

What's that? Oh, silly me. By "let's talk about," what you actually mean is "unquestioningly comply with my demands."

Be that as it may, "we" - which is to say, "I" - am going to talk about it regardless.

Let's analyze this for a moment.

She gives the game away right up front: blue heart is for boys, pink heart is for girls. This ideology is based on stereotypes. If you still doubt this, I don't know what else to show you to convince you.

Secondly, her "gender" isn't a profound knowledge of personal identity, because it changes faster than the weather. I'm not even sure it's her personality, because anyone whose personality changes that rapidly and that wildly has some kind of severe disorder. What she's calling "gender" seems to be nothing but her mood.

Thirdly, and I keep having to repeat this, if your "gender" requires others to participate, then it's not a "deeply personal sense of self." Just like your faith cannot be "a personal relationship with Jesus" if everybody else has to pray or refrain from pointing out the flaws in the bible. "Gender is a social construct" means that your "gender" only "exists" to the extent people play along. People are sick of being bullied into pretending for narcissists.

More importantly, you don't get to make others participate and then deny them any say or input. You can't give people an obligation with no authority, because if you think you can, then others can give you an obligation with no authority.

And you don't get to make others responsible for your mental wellbeing, to carry the burden you cannot or will not, and then get angry when they don't meet your standards or decline the obligation at all. You are responsible for you. Trying to make other people responsible for your emotions or mental state is psychotic. Xians insist that humans - and particularly children - are responsible for keeping their god happy, evidently because he cannot do it himself. You're just as much of an immature psychopath. We are not responsible for keeping you from bursting like a fragile soap bubble.

You can have a personal, unquestionable conviction, or you can have a matter of public interest and discussion. As soon as you insist others participate, you forfeit the right to cordon your beliefs off from scrutiny. If you want your beliefs to go unmolested, then keep them to yourself.

If it's nobody else's business, don't make it other people's business. You can't claim your "gender" is nobody else's business, nobody else gets a say, and then insist it is their business to comply with these demands and prop the whole delusion up.

Private concern or public interest. Choose one.

Fourthly, anyone who comes up with rules like this is a sociopath who is trying to control, manipulate and trap others. Since third-person pronouns are used primarily when someone is not present, when referring to an individual when talking to others, this is a form of authoritarian thought-control. You do not get to dictate how others must see you or think of you. They get to decide for themselves what they think of you, regardless of whether or not you like it, and it's none of your business. And if your sense of self is so flimsy that you must coerce them to conform their view of you to your own view of yourself, then you have bigger problems than "your" pronouns.

When she walks into room, people stiffen because they have to talk like idiots around her - and that's part of the appeal. She wants to be "misgendered," because who is she if she's not a marginalized victim and the center of attention? That's the trick: either you comply, and she wins, or you refuse, and she gets to pretend to be a victim and she wins. Nobody's obliged to pay attention to these insane, imaginary rules, much less play along. When she's already gamed it to win no matter what, the only way for you to win is to retain your integrity and self-respect and tell the truth.

And finally, you do not have pronouns. The pronouns belong to the language, in this case, English. The English language has pronouns for you. You don't have your own pronouns any more than you have your own conjugations or your own adjectives. Other languages, such as German, French, Spanish, Italian, Russian, Chinese and Japanese, have their own structures, and they're not for you to "fix" with your stupid activism.

And yes, languages change. They evolve through common usage and common acceptance, not through narcissists performing blunt-force creationism enforced with emotional manipulation and vilification.

She's an average, unremarkable girl who's found a socially acceptable way to control other people and pretend to be interesting.

Yes, Let's Talk About "your" Pronouns For A Moment, Because I Have Some Thoughts On The Matter...

My adjectives are amazing/brilliant/impressive.

Misadjectiving is hate. #BeKind

P.S. I miss the days when pink, green or blue dyed hair was a sign of rebellion and uniqueness, rather than a predictable trope and red flag that warns the world about all your views and opinions before you ever open your mouth. #MakeDyedHairCoolAgain

1 year ago

Not enough people acknowledge how intelligent Link is (every incarnation)

Yea, he’s a goofy little guy. A silly fella. But all those puzzles you do in the games are canon. Even the ones that were so hard you had to give up and google them. And he doesn’t even have the visual advantage of a 3rd person POV like we do.

Not only that, but he does a lot of these puzzles in dangerous areas. He’s very smart. He may not do heavy research or have an encyclopedic knowledge of ancient history like botw/totk Zelda does, but he still displays quite often just how smart a thinker he is.

1 year ago

There's the ghost of a child playing above Bludhaven

He's a short little thing, who glows and waves around a little sword. Sometimes he has a ship, sometimes he doesn't.

The kid keeps saying that it only fits that Bludhaven be his haunt, because it has "blud" in it and his name is "Youngblood".

Also he has declared Nightwing to be his nemesis.

Nightwing loves it; he gets to have at least one day a week that's just goofing off with a kid who can't be hurt by any of his regular villains. Their "fights" are more like play dates, if he's being honest, and Youngblood is a good kid.

Sometimes he's swinging from the sails of the kids ghost ship, dodging "ecto blasts", other times he's "teaming up" with Youngblood and "sword fights" another spectral Hero, called Phantom.

Generally, they all have a good time.

Until one day, he stumbles across some men in white suits actually managing to hurt the ghost child.

That day, the GIW learns that the most violent Robin wasn't the second one, but the first.

6 months ago

Because y'all are being psycho! They're probably terrified people are going to target and kill them. Wth are y'all advocating for killing people? Murder is not an option. This is disgusting and you should be ashamed. Are you so stupid and useless the only way you can protest is by calling for violence? Y'all need to grow up.

apparently health CEOs are getting their Wiki pages deleted pic.twitter.com/R5ChccoMqO

— db (@dbessner) December 6, 2024
Lmao Now They're Just Straight Up Trying To Wipe The Names Of Executives Off Of The Internet. The Light

lmao now they're just straight up trying to wipe the names of executives off of the internet. the light switch has been thrown and the roaches that have infested this house for far too long are scattering like never before.

2 years ago

Is it just me or are the new tumblr users convinced there's a penalty of some kind for using this site like it's meant to be used?

7 months ago
tarume - Untitled
tarume - Untitled
6 months ago
tarume - Untitled
apparently health CEOs are getting their Wiki pages deleted pic.twitter.com/R5ChccoMqO

— db (@dbessner) December 6, 2024
Lmao Now They're Just Straight Up Trying To Wipe The Names Of Executives Off Of The Internet. The Light

lmao now they're just straight up trying to wipe the names of executives off of the internet. the light switch has been thrown and the roaches that have infested this house for far too long are scattering like never before.

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