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How health care reform went down
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the tide
:D


Joined: 08 Sep 2004
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Location: Charlotte, US

PostPosted: Tue Mar 23, 2010 11:55 pm    Post subject: Reply with quote

Shockandawe wrote:
Couldn't a small bill have been passed making it illegal to dismiss/deny someone based on a pre-existing condition?


Sure. And the already skyrocketing costs of insurance would hit the stratosphere. Put simply, the insurance company will have to recoup the costs some where.
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Odelay
ooodelayheehoo!


Joined: 29 Nov 2007
Posts: 2122
Location: Yonder...

PostPosted: Wed Mar 24, 2010 12:01 am    Post subject: Reply with quote

You have a very good point, when my brother had his tonsils removed the bill came to something like $15 a Popsicle, and they were offering them every 20 min.

Don't doctors get into medicine to make money also? Is med school going to be govement funded as well? or do I drop huge amounts of money to become a good doctor just because I want to contribute to humanity?
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Odelay
ooodelayheehoo!


Joined: 29 Nov 2007
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Location: Yonder...

PostPosted: Wed Mar 24, 2010 12:05 am    Post subject: Reply with quote

the tide wrote:
Shockandawe wrote:
Couldn't a small bill have been passed making it illegal to dismiss/deny someone based on a pre-existing condition?


Sure. And the already skyrocketing costs of insurance would hit the stratosphere. Put simply, the insurance company will have to recoup the costs some where.


And that is my point of no middle ground.

What about the impact of pharmaceutical companies on insurance companies? Will all prescriptions be free also? Why do research? Even though a lot of pharmaceuticals are a joke anyway...


Last edited by Odelay on Wed Mar 24, 2010 12:06 am; edited 1 time in total
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Shockandawe
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Joined: 28 Nov 2007
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Location: In orbit around Kerbin.

PostPosted: Wed Mar 24, 2010 12:07 am    Post subject: Reply with quote

Odelay wrote:
You have a very good point, when my brother had his tonsils removed the bill came to something like $15 a Popsicle, and they were offering them every 20 min.

Don't doctors get into medicine to make money also? Is med school going to be govement funded as well? or do I drop huge amounts of money to become a good doctor just because I want to contribute to humanity?


I was thinking the same thing as well Ode. Granted I don't think law suits help that either.


To continue.

Can an insurance company even remotely compete with the government and what happens to all of those jobs if they can't.
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the tide
:D


Joined: 08 Sep 2004
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Location: Charlotte, US

PostPosted: Wed Mar 24, 2010 1:20 am    Post subject: Reply with quote

Shockandawe wrote:
Can an insurance company even remotely compete with the government and what happens to all of those jobs if they can't.

Big predictable sigh

You have no idea what this bill, now law, does - do you?

Admit it.
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Odelay
ooodelayheehoo!


Joined: 29 Nov 2007
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PostPosted: Wed Mar 24, 2010 1:40 am    Post subject: Reply with quote

I don't... where is a copy I can read for my self...

. .... ... .. .. ... ... .... . .. .. .... .. .... ......

Honestly, I have no clue what the new bill is about compared to the last. I have been to busy working and playing video games to worry about what is going to happen if I get sick. I wish I was unemployed again so I had time to worry about what someone else can do for me. On the bright side, some one else can pay for my wrist pain.

I have also neglected to brush my teeth for months or cut my toe nails. I have horrible pains in the right side of my jaw, one molar is cracked in half. Both of my big toe nails are misshaped and growing into my toe from wearing work boots that don't fit, they don't hurt that bad, but when I cut them, they seem to spring out and dig into my toe and cause horrible pain, so I just let them grow.

Also my workplace doesn't have the cash to buy those fancy mats to stand on while you are working in the same spot all day so my heels hurt constantly.

One more thing, I dropped my glasses I payed for out of pocket, and stepped on the frame so I had to kind of bend them back into shape, can I get new ones now?

I hear you over dramatic cry for people getting emergency care...


But what about coverage for me being a dumb ass? Is that covered?


I do lots of stupid things that cause injury, sometimes I think about the consequences... but if I don't have to worry about it... what the hell. I might take up some new hobbies.


Yeah this is not taken seriously, I know. But think about it before you throw it out as BS.


Last edited by Odelay on Wed Mar 24, 2010 2:38 am; edited 2 times in total
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Enokrad
Dark Spawn


Joined: 23 Aug 2007
Posts: 3296
Location: New York

PostPosted: Wed Mar 24, 2010 2:48 am    Post subject: Reply with quote

H.R.3590 Patient Protection and Affordable Care Act (Bill Home Page)

Table of Contents (with clickable links to passages)

Large PDF version 2.2 MB


what is funny is that even though it's 900 pages,
if it actually covered the full width and height of a page as most documents do,
it would probably be more like 350 pages
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Odelay
ooodelayheehoo!


Joined: 29 Nov 2007
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Location: Yonder...

PostPosted: Wed Mar 24, 2010 2:57 am    Post subject: Reply with quote

Thanks.

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mbauer
Not A Truck


Joined: 28 Jun 2004
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Location: Tallahassee

PostPosted: Wed Mar 24, 2010 8:21 am    Post subject: Reply with quote

Drifter wrote:
What if Congress mandated everyone in the country must buy a gun? or a bible? or to secure a Senators vote in the future, we'll have mandates in bills that citizens must purchase the products of their largest campaign contributor or go to jail? If they can force you to buy something, they can force you to buy anything...


In the great communist bastion of Florida, our state government has made it a LAW that all drivers must have a minimum amount of automobile insurance*. I'm sure many other states have that same law. But there is no "gov't option" for this mandatory insurance. So the government already mandates consumer purchases, and has for some time now.

*source Very first question on the government's website.

I'm not saying I agree with it, but it's hardly the slippery slope that you are suggesting it is going to be.


Last edited by mbauer on Wed Mar 24, 2010 8:22 am; edited 1 time in total
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Nimrod7
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PostPosted: Wed Mar 24, 2010 9:56 am    Post subject: Reply with quote

They mandate everyone must have auto insurance not that everyone must have an auto.
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mbauer
Not A Truck


Joined: 28 Jun 2004
Posts: 3948
Location: Tallahassee

PostPosted: Wed Mar 24, 2010 10:02 am    Post subject: Reply with quote

Mandating everyone have auto insurance (which many States do) is the same as mandating everyone have health insurance.
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Nimrod7
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PostPosted: Wed Mar 24, 2010 10:07 am    Post subject: Reply with quote

No. It is not. Everyone does not own a car. Everyone has a body. You have a choice whether or not you want to buy a car. You do not have a choice whether or not you have a body.
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mbauer
Not A Truck


Joined: 28 Jun 2004
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PostPosted: Wed Mar 24, 2010 12:16 pm    Post subject: Reply with quote

The point is, the government is/has been mandating consumer purchases.
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Shockandawe
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PostPosted: Wed Mar 24, 2010 12:18 pm    Post subject: Reply with quote

The reason for that is more to protect someone else. Not the person carrying the insurance.

If someone slams into the back of your car and doesn't have insurance you would have a fun time getting the car fixed (I know from experience).

You can hurt someone else by not having auto insurance.

You can't hurt someone else by not having health insurance.
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mbauer
Not A Truck


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PostPosted: Wed Mar 24, 2010 12:20 pm    Post subject: Reply with quote

mbauer wrote:
The point is, the government is/has been mandating consumer purchases.
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Shockandawe
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PostPosted: Wed Mar 24, 2010 12:28 pm    Post subject: Reply with quote

Name one other thing that the government has forced every single person in this country to purchase.
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Camaro
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Joined: 15 Jan 2009
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Location: WV, USA

PostPosted: Wed Mar 24, 2010 12:41 pm    Post subject: Reply with quote

what more can be said? we know what Obama and Liberals in general are about, we know they have no repect for this country or its constitution. We know where Obama sat in church and who he listened to and we know there beliefes too. Its time the people take back there country. the only way to put a end to this madness is too stop feeding the beast...time to take our economy underground
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Blind Willie
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Joined: 20 May 2005
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PostPosted: Wed Mar 24, 2010 1:00 pm    Post subject: Reply with quote

For those who are curious, here's one of the better, easy to understand summaries of the bill that I've found:
http://abclocal.go.com/kabc/story?section=news/consumer&id=7344779

There's one thing that still doesn't make sense to me. Maybe someone here can explain it. I don't have health insurance because I can't afford it. How does requiring me to buy it change that? Are we assuming that insurance companies will drastically lower their rates when another 300 million new customers show up? Am I going to be relying on government subsidies to pay my insurance bills? Or am I out of luck and out of money?

Also, regarding the auto insurance analogy: driving is a choice and a privilege in a way that simply being alive in the USA is not. Don't want to buy auto insurance? Don't drive. Don't want to buy health insurance under the new rules? Pay a fine.
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Shockandawe
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PostPosted: Wed Mar 24, 2010 1:03 pm    Post subject: Reply with quote

Blind Willie wrote:
For those who are curious, here's one of the better, easy to understand summaries of the bill that I've found:
http://abclocal.go.com/kabc/story?section=news/consumer&id=7344779

There's one thing that still doesn't make sense to me. Maybe someone here can explain it. I don't have health insurance because I can't afford it. How does requiring me to buy it change that? Are we assuming that insurance companies will drastically lower their rates when another 300 million new customers show up? Am I going to be relying on government subsidies to pay my insurance bills? Or am I out of luck and out of money?

Also, regarding the auto insurance analogy: driving is a choice and a privilege in a way that simply being alive in the USA is not. Don't want to buy auto insurance? Don't drive. Don't want to buy health insurance under the new rules? Pay a fine.


Once again. Willie well put. I was thinking the same thing about the costs of this. I would almost think that they will offer people insurance, but at a rediculously high rate because their risk levels are so high.
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Nimrod7
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PostPosted: Wed Mar 24, 2010 1:06 pm    Post subject: Reply with quote

I was under the impression that there would be some form of rebate depending on your income level. That, or you're put into the Medicaid pool.
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hoodie
Burning Man


Joined: 18 Jun 2005
Posts: 4751
Location: San Francisco

PostPosted: Wed Mar 24, 2010 2:34 pm    Post subject: Reply with quote

Willie, I need to look at the numbers, but I believe there is a low-cost pool for those who can't afford it, and there are subsidies up to 4x the poverty level (i.e. a family of 4 bringing in $80k) I need to find the actual details, but there should be some sort of relief. It would definitely cost some, but not the full amount.

And Shock, there ARE consequences to not having insurance that affect others. Many many hospital bills go unpaid; I actually have a friend starting a company that directly addresses the fact that hospitals can't ever seem to collect on their bills. That was the $200 aspirin example from above.

So that makes others' bills higher, as they end up paying, and the people who can't pay end up having their credit decimated. Its bad all around.
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Camaro
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Joined: 15 Jan 2009
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PostPosted: Wed Mar 24, 2010 6:37 pm    Post subject: Reply with quote

forcing people to buy gym memberships would do more for americans health than forcing them to buy obamacare

Last edited by Camaro on Wed Mar 24, 2010 6:42 pm; edited 1 time in total
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Shockandawe
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Joined: 28 Nov 2007
Posts: 1903
Location: In orbit around Kerbin.

PostPosted: Wed Mar 24, 2010 6:45 pm    Post subject: Reply with quote

hoodie wrote:
Willie, I need to look at the numbers, but I believe there is a low-cost pool for those who can't afford it, and there are subsidies up to 4x the poverty level (i.e. a family of 4 bringing in $80k) I need to find the actual details, but there should be some sort of relief. It would definitely cost some, but not the full amount.

And Shock, there ARE consequences to not having insurance that affect others. Many many hospital bills go unpaid; I actually have a friend starting a company that directly addresses the fact that hospitals can't ever seem to collect on their bills. That was the $200 aspirin example from above.

So that makes others' bills higher, as they end up paying, and the people who can't pay end up having their credit decimated. Its bad all around.


Ok I can understand that and I'm sure you agree that isn't the only problem. It seems like doctors have to over test people to prevent any kind of law suits. I can't imagine what this does to costs alone.

The other thing that concerns me aside for the "forced" part of it is can we keep pulling money out of thin air like this?
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hoodie
Burning Man


Joined: 18 Jun 2005
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PostPosted: Wed Mar 24, 2010 6:53 pm    Post subject: Reply with quote

first off, something for Camaro to go entertain himself:



OK, now onto an actual conversation: I do agree there are other costs that drive things up, and one of them is too much testing once someone has symptoms, rather than preventive care.

As I mentioned before, there's an anticipation that insurance companies will now have incentive to push people to get preventive care and checkups; they have to make sure the healthy people stay healthy, since they won't be able to drop them once they have to pay out on them.

As for forcing to pull money out of thin air, can you be more specific? Do you mean forcing people to pay, or do you mean the government overspending?

I want to re-iterate, this isn't perfect legislation, not by a long shot. I know I'm playing advocate at this point, offering counter-arguments to points that are brought up often. There are certainly weaknesses, and the biggest one is that people will pay more up front. I truly believe, thinking in a long-term view, that we will be better off for it. That doesn't mean there aren't a lot of holes to patch, but its a step in the right direction.
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Shockandawe
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PostPosted: Wed Mar 24, 2010 7:41 pm    Post subject: Reply with quote

hoodie wrote:
first off, something for Camaro to go entertain himself:



OK, now onto an actual conversation: I do agree there are other costs that drive things up, and one of them is too much testing once someone has symptoms, rather than preventive care.

As I mentioned before, there's an anticipation that insurance companies will now have incentive to push people to get preventive care and checkups; they have to make sure the healthy people stay healthy, since they won't be able to drop them once they have to pay out on them.

As for forcing to pull money out of thin air, can you be more specific? Do you mean forcing people to pay, or do you mean the government overspending?

I want to re-iterate, this isn't perfect legislation, not by a long shot. I know I'm playing advocate at this point, offering counter-arguments to points that are brought up often. There are certainly weaknesses, and the biggest one is that people will pay more up front. I truly believe, thinking in a long-term view, that we will be better off for it. That doesn't mean there aren't a lot of holes to patch, but its a step in the right direction.


Yeah I meant government hoodie. I guess my main concern is that they will suddenly take this and say "oh this food is unhealthy you have to buy this type of food now" or controlling how much companies/doctors/employees are able to make.

A little off topic, but a few weeks ago we had a town hall meeting with our congressman. He stated that any business that makes over 200,000 will have 50% of that taken away. My dad runs his own business. Why would he want to grow his business, possibly create jobs, if half of his success is going to be taken away every year.
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Drifter
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Lux Moderator


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Location: An undisclosed location... for reasons of security, and therefore... insecurity...

PostPosted: Wed Mar 24, 2010 7:54 pm    Post subject: Reply with quote

mbauer wrote:
Drifter wrote:
What if Congress mandated everyone in the country must buy a gun? or a bible? or to secure a Senators vote in the future, we'll have mandates in bills that citizens must purchase the products of their largest campaign contributor or go to jail? If they can force you to buy something, they can force you to buy anything...
In the great communist bastion of Florida, our state government has made it a LAW that all drivers must have a minimum amount of automobile insurance*. I'm sure many other states have that same law. But there is no "gov't option" for this mandatory insurance. So the government already mandates consumer purchases, and has for some time now....
Thank you mb for acknowledging my statement. There is no point to respond to your car insurance analogy, because I agree with what Nim and Shock had to say. I was hoping hoodie and the tide would have chimed in as well, but I was also hoping to be retired by now, heh.

Drifter wrote:
If this great big damnass law is so great a deal for the American masses, why are the peeps who wrote the entire thing exempt? Why are they not gettin on the express train with the people they are so desperate to help?
Now, I ask this again. If the whole HCR is such a good deal, why are the architects of the law exempt? Does it not make you go, hmmmm? Hoodie? Tide? Bueller?

---------------------

I found this interesting today:
Rep. John Dingell (D-MI) wrote:
Let me remind you this [Americans allegedly dying because of lack of universal health care] has been going on for years. We are bringing it to a halt. The harsh fact of the matter is when you're going to pass legislation that will cover 300 [million] American people in different ways it takes a long time to do the necessary administrative steps that have to be taken to put the legislation together to control the people.
I know, big feckin deal...
Audio and source
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hoodie
Burning Man


Joined: 18 Jun 2005
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Location: San Francisco

PostPosted: Wed Mar 24, 2010 8:27 pm    Post subject: Reply with quote

Shockandawe wrote:
Yeah I meant government hoodie. I guess my main concern is that they will suddenly take this and say "oh this food is unhealthy you have to buy this type of food now" or controlling how much companies/doctors/employees are able to make.


Its funny, you distrust the government more than I do, and I mistrust corporations more than you do. I think you can always say "where will this stop?" when a metaphorical road has been started on, but I really think this is outside the ballpark, neighborhood, city, and state of this health care bill.

One of the important things is whether you frame health care as a right or a privilege. I think it's actually a right. It's one of the basic needs, and that's why I don't mind government involvement and protections. The government has no role in medical decisions (which would be tenuously tied to choice of diet). The government is only mandating that you have insurance to ensure that you can pay your bills. If anything, its the insurers who would have motive to tell you what to eat, but there seems to be no worry about that.

As for the numbers thrown out at your town hall meeting, they smell very fishy to me. They actually sound like a scare tactic, and there have been a LOT of lies that have been spread. I'd like to see if you can dig up actual numbers on this stuff, as that seems WAY out of line of anything I've come across.

To Drift, Social Security is effectively a manditory insurance we all pay into without choice. There's a good blog post about it here:
http://www.fivethirtyeight.com/2010/03/constitutionality-of-mandatory.html

And as far as I know, the architects of the law are not exempt, they just happen to have health insurance provided by their employer (the government) and don't have to change their health plans one iota, much like the vast majority of the country. And you'll recall there was a push to expand Medicare to age 50, but that got blocked by a certain group of lawmakers that will remain nameless.

I take the Dingell thing with a grain of salt, I'm sure we could dig up some interesting phrasings from a lot of different politicians. If this were some sort of pattern, it would be interesting, but I think it's an old guy misspeaking.
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mbauer
Not A Truck


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PostPosted: Wed Mar 24, 2010 8:29 pm    Post subject: Reply with quote

Drifter wrote:
Thank you mb for acknowledging my statement. There is no point to respond to your car insurance analogy, because I agree with what Nim and Shock had to say.


Yes, this Law is a bigger scope. But the auto insurance Law is still the government mandating you buy something. If you buy an Auto, then the gov't is forcing you to buy another thing (auto insurance). That's my point. The gov't has already flexed the power of mandating consumer purchases for quite some time. Does this Law affect more people, of course. But it's not unprecedented for the gov't to FORCE consumers to buy something that they might not want to buy, for their own, and everyone else's, good. I object to the slippery slop effect you implied this Law would cause and the implied precedent you think this Law is.
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Drifter
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PostPosted: Wed Mar 24, 2010 9:00 pm    Post subject: Reply with quote

I found this intriguing about Social Security:

The Social Security Act was signed by FDR on 8/14/35. Taxes were collected for the first time in January 1937 and the first one-time, lump-sum payments were made that same month. Regular ongoing monthly benefits started in January 1940.

Now for the chart:


If you will notice, the average lifespan was lower than retirement age until +/- 15 years after it started.

People not too long ago weren't relying on the government for their retirement, they took care of it themselves (if they were ever able to retire). Now some folks do not save money and expect SS to take them thru the golden years.

What happened to self reliance? Is it cause we are just giving the fish away, and folks are forgetting how to fish?

------------------------

Maybe Dingell is just an old guy misspeaking, but I have heard a ton of misspeaking here lately by multiple people. The dots are not connecting comfortably for me.

------------------------

Mb, you do not have to own a car. You can take a bus/train/plane/bike/reebok express and not have to pay for insurance. If you do own a car, the minimum you have to have is liability, which covers someone when you bang up their ride (thus protecting the hittie from the hitter). If you want full coverage to cover your own ride, that is your choice. But the gov't has never flexed the power of mandating consumer purchases for just having a pulse.
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the tide
:D


Joined: 08 Sep 2004
Posts: 3606
Location: Charlotte, US

PostPosted: Wed Mar 24, 2010 9:09 pm    Post subject: Reply with quote

Drifter wrote:

Drifter wrote:
If this great big damnass law is so great a deal for the American masses, why are the peeps who wrote the entire thing exempt? Why are they not gettin on the express train with the people they are so desperate to help?
Now, I ask this again. If the whole HCR is such a good deal, why are the architects of the law exempt? Does it not make you go, hmmmm? Hoodie? Tide? Bueller?


You know what I cannot xxxxing stand for? The constant xxxxing repetion of fabricated bullshit that some of you xxxxers spout. You don't check to make sure it's correct --- you just freak out and repeat what some other reactionary told you. For xxxxs sake... XXXX was convnced, amongst LOTS of other things, that Obama would use the Koran for in the swearing-in ceremony.

Much like Hoodie, I'm all about discusing the crappy parts of this bill, but hell... correcting this very very predictable rhetoric is just exhaisting and completely in vain.

And for the record, while I'm obviously for extending health insurance to all, but I'm not thrilled that the pharma and health insurance companies are going to make a mint. Oddly, I would think some of you would LOVE this....

Anyway... the facts regarding your assertion, Drift:

http://www.factcheck.org/2010/01/congress-exempt-from-health-bill/

http://www.snopes.com/politics/medical/28thamendment.asp

If you want to familiarize yourself with what's coming take a look:

US Healthcare Debate - 7.20.09
the tide wrote:
Lupus ferox wrote:
Different countries have different solutions.


The best system I've found seems to be the one this administration is aiming to mimick. And before some dude who's never left his timezone goes on some rant about liberalism... watch this ... before you lose your panties.
Razz



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