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How can so many people become uninsured?

In reading an article from MSN, it is feared that too 43 million people are going to lose employer sponsored health insurance during the covid crisis. Prior to covid, 160 million Americans purchased their insurance through their employer. Now with some 30 million out of work, people are uninsured. Is this going to make it seem that the cure is worse than the disease?
Jeffrey53 · 51-55, M
There’s been others viruses out there they didn’t shut down the world
TexChik · F
@Jeffrey53 exactly . Lots of doctors don’t agree with the shut down or the mask requirements ...but the MSM will never show you that
SW-User
@TexChik @Jeffrey53 that’s right!
It means we need to move on from the union model dating from right after World War Two, when most American workers were unionized, and collectively bargained for benefits like health insurance as part of their employment compensation package. Now that most American workers are not unionized, while many work part-time or are in the gig economy, tying benefits like health insurance to employment no longer makes sense. So this crisis is an opportunity to rethink that system.

In reality, the Emergency Medical Treatment and Active Labor Act, signed into law by President Ronald Reagan in 1986, requires hospitals to treat anyone who comes in, regardless of their ability to pay. So an illegal immigrant who brings his kid in for the sniffles is paid for by the rest of us, which is why an aspirin when you're in the hospital costs $80 and the doctor charges $300 to poke his head in the door. What's needed is a comprehensive system that everyone pays into and where everyone is covered. Other developed countries have this and there's no reason we can't either.
Roadsterrider · 56-60, M
@OggggO As of today in the US there have been 112,576 deaths, there have been 2,011,503 confirmed cases of COVID 19, do the math again, that is 5.6%. We aren't even testing to see how many people had a mild case and didn't go to the doctor so that 5.6% will drop dramatically when we have tested enough to get an accurate number of total cases. FAIR is a progressive media watchdog group, they generally present the liberal side of the argument, as far as I know they haven't been involved in any "hate group" type activities. Not liking their articles doesn't automatically classify them as a hate group. And again, if you take 100 incidents in one month and 10 of them have a different outcome, that is 10%. At the end of the year, you have 1200 incidents and 120 of them are different, it is still 10%. You don't have to wait till the end of the year to have a fatality rate. Total number of cases will change but if 0.5% have a different reaction, that isn't going to change 6 months from now, unless we develop a vaccine or the treatments are improved and then that number will go down, not up. As the number of total cases includes those who test positive showing that they had the virus and got well on their own, the fatality rate will drop. Check out the numbers from worldometers, I don't know if they are a hate group or not but they have numbers of confirmed cases since this ting started. https://www.worldometers.info/coronavirus/#countries
OggggO · 36-40, M
@Roadsterrider Of those 2 million, over 1.24 million are still ongoing and so cannot be counted as survived or death. 875,000 cases have concluded. Of those, 112,00 died. That's 13%.

FAIR is a progressive media watchdog group,
Hardly. https://www.splcenter.org/fighting-hate/extremist-files/group/federation-american-immigration-reform

Check out the numbers from worldometers
That's where I'm getting my numbers.
Roadsterrider · 56-60, M
@OggggO That is only confirmed cases, and world wide is a much larger sample. World wide, the fatality rate for confirmed cases is 5.7%, slightly higher than the rate in the US. Again, that is for confirmed cases, countries that were in the game earlier are now testing for antibodies and finding that 98% of people have a mild case that doesn't require hospitalization. The fatality rate over all can't be more than the remaining 2%. Going by the numbers in your example, the 800K hospitalized represents the 2% of the total that need acute care. If 87% of those who require treatment survive the fatality rate is 13% of that number. That comes out to a 0.15% fatality rate. Your examples confirm what I said. The SPLC is a liberal think tank, I would consider just about anything they come up with as anti American. The article was long on accusations and short on proof.
Picklebobble2 · 56-60, M
It's symptom of the problem that isn't being addressed.
OggggO · 36-40, M
@Roadsterrider
Do you think they can just print money to cover what ever they want to spend? Is that where you are going?
No it's not. They'll pay for it the same way they pay for current Medicare and Medicaid.
Roadsterrider · 56-60, M
@OggggO Yes, they will pay for it the same way they pay for those programs, taxing people more. That is the point, when have I been taxed enough? At some point, it starts bringing the middle class down to the point where they need those welfare benefits too. Prior to WW1 government revenue was generated by import and export tariffs. Trump was on the right track with trade. Once the politicians got their hands in our pockets, they never took them out.
OggggO · 36-40, M
@Roadsterrider
That is the point, when have I been taxed enough? At some point, it starts bringing the middle class down to the point where they need those welfare benefits too.

We are nowhere near that point. When our middle class was at it's strongest, taxes were far higher.

Trump was on the right track with trade.

Trump had to bail out farmers and factories with billions of dollars because he fucked up trade so badly.
In "The greatest economy in history" healthcare is if you cant afford it, 'it is what it is' ? And, 1 out of 5 children don't have enough to eat, cant blame it on Trump because it's been happening for decades, but MEGA ? Does he see that meeting basic necessities as 'Socialism' that will destroy the country ?
OggggO · 36-40, M
@Roadsterrider
Until we instituted a government run welfare system, welfare was handled by the churches and community.
And that was completely insufficient.

Can you explain why I would be a hypocrite for using insurance?
Sure. The entire principle on which in insurance works is that the people who don't need it pay for the people who do.
Roadsterrider · 56-60, M
@OggggO Insurance is an investment, insurers are investors, they calculate what I should pay for them to take the risk of insuring me. They take what I pay and invest it. I am paying because there is a chance I may need insurance, they are charging me and taking the risk that I need insurance before they make money from what I have been paying. It is a business. I pay what amounts to a good sum of cash over time, so that I don't have a stroke and lose my home, property due to medical costs. They gamble that I will be well long enough for them to cover those expenses and still make a profit.

Unlike government provided healthcare through public assistance, the government taxes people who have been responsible to primarily support those who haven't. They force everyone who works to pay into medicare, whether they are going to use it or not. Thinking that having insurance makes me a hypocrite is ridiculous and shows how little you really know about any of this.
OggggO · 36-40, M
@Roadsterrider
Insurance is an investment, insurers are investors, they calculate what I should pay for them to take the risk of insuring me. They take what I pay and invest it. I am paying because there is a chance I may need insurance, they are charging me and taking the risk that I need insurance before they make money from what I have been paying. It is a business. I pay what amounts to a good sum of cash over time, so that I don't have a stroke and lose my home, property due to medical costs. They gamble that I will be well long enough for them to cover those expenses and still make a profit.

You left out the part where this can only work by taking on enough people that *on average* they make more from those who don't need much paying than they lose from those who do. It does not and cannot work on an individual basis, only a community one.

the government taxes people who have been responsible to primarily support those who haven't
🙄
Time for people to return to work
jackson55 · M
@questionWeaver I work in the travel business. Not likely to happen right away.
QuixoticSoul · 41-45, M
Turns out Amerifats created an absolutely retarded healthcare system for themselves, and predictably it’s extra fucking stupid in a crisis. Absolutely nobody is surprised, except burgercels themselves.
Well, there was a healthcare plan for a minute where more people were covered than in recent times (since not all employers provide healthcare). After the ACA was scuttled by this administration we were told there would be a replacement that also covered pre-existing conditions. We’re still waiting. 😔
Roadsterrider · 56-60, M
@bijouxbroussard The ACA insured about 20 million people who were uninsured at the time. Twice that are posed to lose their healthcare because they have become unemployed. It doesn't matter at this point whether it is subsidized by the government or employer sponsored, they aren't getting a paycheck to cover their cost.

 
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