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Assfucking the Millennials: The Unaffordable Care Act


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2013 Oct 7, 2:55pm   27,235 views  88 comments

by Dan8267   ➕follow (4)   💰tip   ignore  

http://dailycaller.com/2013/10/03/study-obamacare-spikes-young-peoples-health-insurance-costs/

The main purpose of the individual mandate was to have these younger, relatively healthy consumers subsidize the costs of older, sicker and more expensive insurance enrollees.

“Due to the ACA’s sweeping market reforms, rates for low-premium plans have increased exponentially between 2013 and 2014. In fact, on average, a healthy 30 year old male nonsmoker will see his lowest cost insurance option increase 260 percent,” reads AAF’s report.

A healthy 30-year-old would see his health insurance costs rise in all 50 states and the District of Columbia.

So my question to all those who support this so-called "reform", is how is it ethical to screw over one generation in favor of another? Especially when the generation being screwed over has already been screwed by
- obscene housing costs
- exponentially increasing college costs
- extremely high joblessness after earning degrees
and the generation being subsidized has already benefited from
- the greatest appreciation in stocks and housing in U.S. history
- the best job markets
- pensions and social security

I fail to see the ethics in forcing 20-somethings to subsidize the very 60-somethings keeping them out of jobs and houses.

If the individual mandate is necessary, all insurance policies should be grouped by 5-year age brackets, and no age bracket should be allowed to take from another age bracket. This is only ethical. And if this were applied, the cost of health insurance for the 20-somethings and early 30-somethings would have gone done, not up, after the individual mandate.

#housing

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49   MershedPerturders   2013 Oct 8, 6:18am  

why do i keep hearing the boomers telling us how the millenials are getting ass fucked and meanwhile the millenials themselves never seem to agree on the HOW part of this?

50   MershedPerturders   2013 Oct 8, 6:19am  

FuckPatricknet says

"Assfucking the Millennials"

I can remember a time when the useless, alcoholic owner of this stupid fucking blog used to BAN people for even THINKING about writing the word ASSFUCKING.

Of course, now that people PAY him to be allowed to post bullshit comments that no one reads, things have changed.

patrick figured out the more 'fuck' you have on your forum more hits you get.

51   PeopleUnited   2013 Oct 8, 6:27am  

MershedPerturders says

FuckPatricknet says

"Assfucking the Millennials"

I can remember a time when the useless, alcoholic owner of this stupid fucking blog used to BAN people for even THINKING about writing the word ASSFUCKING.

Of course, now that people PAY him to be allowed to post bullshit comments that no one reads, things have changed.

patrick figured out the more 'fuck' you have on your forum more hits you get.

If he really wanted to make $$ he'd have to go more hard core instead of this soft porn

52   freak80   2013 Oct 8, 6:34am  

sbh says

Just a thought: he could link a feed into any Catholic church child abuse session.

Except the site would crash from all the extra traffic generated by Catholic priests worldwide...

53   mdovell   2013 Oct 8, 6:53am  

Could we kinda not have swears in threads?
Health care is not going to be cheap under any any government plan that subsidizes demand rather than supply.

As long as we have a system that simply gives coverage to everyone without hiring a single doctor or nurse. Make a single hospital bed etc. It will continue to go up.

Waiting times will go up. For everyone. Doing less with more is a Walmart plan as this is.

Ok so how exactly do we lower health care costs?

You replace this with an increase of medical hospitals, medical schools, you legalize drug store clinics in ALL states, you provide for more financial incentives to STAY being a general practitioner etc.

Consider this though. Like with education and Dan I remember that VSS concept you made awhile ago here maybe the same could be done with medical care.

Technologies have improved to the point where many systems are not hard to get for individuals. Vitals can be taken, temps can be taken, blood pressure, blood tests etc. Technology is there, it is just a matter of being able to interpret what it means.

At the way things are now frankly many people might not pay frankly because not all doctors are going to be able to take new patients and then what? The government cannot force people to buy insurance if the doctors are half way across the state? If you buy in SF or LA then that's where you really should go. No one in their right mind is going to say live in San Diego and go to Crescent City!

54   Dan8267   2013 Oct 8, 7:04am  

FuckPatricknet says

"Assfucking the Millennials"

Yes, the title is sensational, but it's still accurate. The Millennials are being heavily taken advantaged of.

However, I would advise someone with the handle FuckPatricknet not to complain too loudly about Patrick's tolerance.

freak80 says

Correct. In other words, it's much like the way Social Security is structured, right? And so the ACA will face the same problems.

Whenever one generation has to pay for the next, each generation is motivated to consume more than they put in. Each generation thinks, well I had to pay for last round of assholes, so you're going to pay through the nose for me so I can get the maximum return on my expenses. This causes a constant escalation of costs that is only sustained, temporarily, by increases in population. When population growth can no longer keep up with escalating costs, the whole system collapses and the generation holding the bag during the collapse is the one that get screwed over.

Boomer politicians on both sides of the aisle don't give a rat's butt about the younger generations being screwed over. Both parties will do anything to protect the Boomers and ensure that their benefits are there, but all future generations will have to fend for themselves. And from the interviews of Boomers on NPR, it seems that the Boomers are perfectly satisfied with that.

55   humanity   2013 Oct 8, 7:09am  

Vaticanus says

I'm tired of arrogant boomers who have been enjoying the best years America has ever seen while borrowing from their grand kids and expecting them to bend over for another round.

This is bullshit. It's not about their arrogance. It's about their numbers. There are so many of them. That's all. That's not their fault.

56   PeopleUnited   2013 Oct 8, 7:11am  

MershedPerturders says

why do i keep hearing the boomers telling us how the millenials are getting ass fucked and meanwhile the millenials themselves never seem to agree on the HOW part of this?

It is hard to communicate while bound, gaged and bent over the picket fence.

57   MershedPerturders   2013 Oct 8, 7:11am  

mdovell says

Could we kinda not have swears in threads?

Health care is not going to be cheap under any any government plan that subsidizes demand rather than supply.

is 'Working Class' a swear word?

58   anonymous   2013 Oct 8, 7:14am  

Ok so how exactly do we lower health care costs?

Get to the root of why they've become so expensive in the first place. Nutrition, nutrition, nutrition.

For all the advances we've made over the years, our understanding of nutrition and what is "bad" and what is "good" is pretty sad. Its actually devolved. Before we had all the information, and technology, humans knew, via science, what to and what not to eat. We knew which dietary inputs caused what results. And we were much healthier for it.

Sugars and grains are the primary culprits. The usfedgov needs to rescind the original food pyramid, and explain why. Because 12 servings of breads and grains per day will make you sick.

Vicente mentioned Chrons earlier in the thread. Chrons is easily treatable by eliminating grains and simple carbohydrates from ones diet

This is the simplest solution, and the only starting point. So long as the usfedgov is peddling the SAD, people will continue to be chronically "sick". And dumb. Fueling the body with primarily carbohydrates, makes people stupid. Its like dumping unleaded gasoline into your diesel motor and wondering why it won't work. Food is fuel, and were collectively dumping sugar in our gas tanks

Now let's all flail around and act confused as to why we're poisoning ourselves with toxic food substitutes, and we end up ill

59   MershedPerturders   2013 Oct 8, 7:16am  

humanity says

Vaticanus says

I'm tired of arrogant boomers who have been enjoying the best years America has ever seen while borrowing from their grand kids and expecting them to bend over for another round.

This is bullshit. It's not about their arrogance. It's about their numbers. There are so many of them. That's all. That's not their fault.

that's partially it, because they invited in hordes of hungry asians and mexicans so the good productive people are vastly outnumbered and can't vote anything useful or sustainable. Anytime they try they just Transgender or Legalize Weed instead.

Vaticanus says

MershedPerturders says

why do i keep hearing the boomers telling us how the millenials are getting ass fucked and meanwhile the millenials themselves never seem to agree on the HOW part of this?

It is hard to communicate while bound, gaged and bent over the picket fence.

right somewhat but remember when they think 'millenials' they think specifically of those offspring of what used to be a overwhelming white majority. So if you really look at the demographics of that age group youve got LOADS of people who are somewhat ignored by the media, or they don't lump them in. Some of the boomers see their kids are disadvantaged or seriously handicapped economically so favor a kind of inheritance system and a university caste system that they can buy a place for their children in. This kind of thing also has a lifespan and ends in complete corruption and bankruptcy.

60   anonymous   2013 Oct 8, 7:17am  

Dan, keep in mind, some people like getting fucked in the ass.

Not my cup of tea, but some people are into it none the less

61   Dan8267   2013 Oct 8, 7:25am  

errc says

Dan, keep in mind, some people like getting fucked in the ass.

Ah, but there is no individual mandate to get fucked up the ass. And that's the point. At least before, the Millennials could vote with their wallets and say no health insurance is worth getting at current market prices. The individual mandate takes away any benefit of a free market without taking away all the disadvantages of letting private, for-profit corporation handle what is better done by a non-profit government agency.

62   anonymous   2013 Oct 8, 7:26am  

This is my first post ever on patrick.net, and I've been following this site for about 6-7 years. I'm generally libertarian in my ideology but not purely so given any ideology has sticking points.

Regarding health insurance, this is tough. I have always historically been on the side of not requiring everyone to have health insurance because of my belief in freedom. However, none of us can say that because young people are eating well, exercising and taking care of themselves, they shouldn't have to buy insurance for that reason. My youngest son was diagnosed with juvenile arthritis last year...nothing too major, but would've cost me about $10,000 in medical costs for the first 6 months alone if I didn't have employer-sponsored health insurance. This condition doesn't run in either of our families and my son is extremely healthy and athletic otherwise, but shiz happens.

Why not make people at least have catastrophic coverage so that the premiums are lower but yet doesn't create this burden on the system if they suffer some grave illness that costs tens or hundreds of thousands of dollars? I do agree that not having age brackets is completely unfair, and people have to plan better as to how they are going to take care of their health care needs when they're older and not have to rely on the younger generation to pay for them.

63   anonymous   2013 Oct 8, 7:57am  

Dan8267 says

errc says

Dan, keep in mind, some people like getting fucked in the ass.

Ah, but there is no individual mandate to get fucked up the ass. And that's the point. At least before, the Millennials could vote with their wallets and say no health insurance is worth getting at current market prices. The individual mandate takes away any benefit of a free market without taking away all the disadvantages of letting private, for-profit corporation handle what is better done by a non-profit government agency.

Given the choices, death, or oogoo, ill opt out and pay the fine.

When some statist retard with a double digit IQ attempts to fuck my ass, ill flip the script on them and fuck um right back

Ahh how I love the smell of freedom

64   Robert Sproul   2013 Oct 8, 7:59am  

errc says

Now let's all flail around and act confused as to why we're poisoning ourselves with toxic food substitutes, and we end up ill

There does seem to be a neat symbiosis between the cheap processed industrial food supply and the sick care cartel.
I shop at a local food co-op and every day see lean body mass, healthy looking, young people that are trying to handle their "health care" by choosing to spend, disproportionately to their income I'm certain, on an organic, vegetable centric, locally produced, pasture fed, real food diet.

This is also what I have chosen to do with the 800-1200 a month that my wife and I don't (get to) spend on "health" insurance.

Young people are rational enough. If ACA was perceived as a good deal, you really wouldn't have to twist their arms. Throughout my life if I had an option to affordably insure myself I took it.

Also: All you young bloods please be aware that there are lots of boomers out there that really don't want to fuck over anybody. And we try to live and vote accordingly. You is hurtin' my feelings.

65   EBGuy   2013 Oct 8, 10:31am  

I'll put some numbers on the age band compression limitations to help folks digest the numbers. So under a 5:1 regime, a youth would pay $100 per month, but because of the 3 to 1 limitation, they now pay $150 per month. The older timers premium would be reduced from $500 per month to $450 per month. The rest of the AAF report is apples and oranges as far as I'm concerned. YMMV.

66   PeopleUnited   2013 Oct 8, 3:03pm  

humanity says

Vaticanus says

I'm tired of arrogant boomers who have been enjoying the best years America has ever seen while borrowing from their grand kids and expecting them to bend over for another round.

This is bullshit. It's not about their arrogance. It's about their numbers. There are so many of them. That's all. That's not their fault.

Ah yes the gang rape defense. Your honor my clients are not guilty of rape, there just happened to be more rapists than there were victims. It's not our fault!

67   PeopleUnited   2013 Oct 8, 3:07pm  

sbh says

Vatic-anus says

If he really wanted to make $$ he'd have to go more hard core instead of this soft porn

Just a thought: he could link a feed into any Catholic church child abuse session.

You know I'm not catholic right? My handle was meant to be tongue in cheek. As such I was mildly entertained by your dig regarding the widespread sex abuse in the Catholic Church even if it really isn't funny to sexual abuse anyone.

68   PeopleUnited   2013 Oct 8, 3:13pm  

Yeah well yo mama was so fat she got a flesh eating bacteria and it took her 5 years to die.

69   PeopleUnited   2013 Oct 8, 3:33pm  

sbh says

Vaticanus says

Yeah well yo mama was so fat she got a flesh eating bacteria and it took her 5 years to die.

Perhaps you should consult with Mershed. He makes as much sense as you and probably shares the same weak and vicious tendencies of the inbred.

Smug and condescending much?

Where's Marshall when you need him

And others who look down on me I'm tearing down their balcony...

Ps the yo mama thing was supposed to lighten you up a bit Francis. Or seargent hulka might have stick his big toe up your ass.

70   PeopleUnited   2013 Oct 8, 3:52pm  

Ah yes, ad hominem and meaningless analogy the most effective tools of a tool.

71   PeopleUnited   2013 Oct 8, 3:54pm  

Lighten up Francis you really need to learn to have fun. We have more in common than you will ever know.

72   PeopleUnited   2013 Oct 8, 4:00pm  

I'm impressed! U may have just had a breakthrough!

73   elliemae   2013 Oct 8, 4:06pm  

FuckPatricknet says

I can remember a time when the useless, alcoholic owner of this stupid fucking blog used to BAN people for even THINKING about writing the word ASSFUCKING.

Of course, now that people PAY him to be allowed to post bullshit comments that no one reads, things have changed.

And yet you're still here? Just curious as to why?

74   elliemae   2013 Oct 8, 4:10pm  

Vaticanus says

Lighten up Francis you really need to learn to have fun.

You realize that, if you call me Francis, I'll kill ya? And don't nobody touch my stuff...

75   PeopleUnited   2013 Oct 8, 4:17pm  

elliemae says

Vaticanus says

Lighten up Francis you really need to learn to have fun.

You realize that, if you call me Francis, I'll kill ya? And don't nobody touch my stuff...

Can you hang on to this for me?

-what's in it?

Drugs!

76   PeopleUnited   2013 Oct 8, 4:18pm  

It's Czechoslovakia , it's like going to Wisconsin!

77   drew_eckhardt   2013 Oct 8, 6:06pm  

errc says

Ok so how exactly do we lower health care costs?

Like the rest of the world all of which spends less per capita than America.

Within the OECD 24 they do that by not having a completely screwed up system where the providers are mostly for-profit; the insurers are mostly for-profit and exempt from federal anti-trust legislation; the government takes care of the people likely to be unprofitable so their losses aren't too great; and most of the insured are effectively in captive markets where their best option is purchasing ever more expensive policies because of tax treatment of employer provided plans plus the adverse selection existing in the minority population outside that and government provided plans.

That in turn lets most of the OECD 24 insure _everyone_ for less than America spends on Medicare for old and disabled people.

Rack rates of $24,000 for a one day hospital stay (scheduled in-patient surgery, with a shared room, with no need for intensive care just a place to wake up and puke from the anesthesia) which the insurance companies negotiate down to $12,000 (not including the surgery; that was extra) and ER visit negotiated down to $7000 (Nothing big - I made a warranty return for my last surgery after pools of blood appeared and got a soldering iron stuck in my ankle plus some butterfly strips) have NOTHING to do with what we eat.

The uninsured have almost _nothing_ to do with these outrages with uncompensated care accounting for just 5.9% of 2011 hospital expenses according to the American Hospital Association's _Uncompensated Hospital Care Cost Fact Sheet_ from 2013.

Malpractice has effectively _nothing_ do with with with the CBO estimating its share at less than 2 percent of overall health spending with reform leading to a potential 0.4% to 0.5% improvement. The National Association of Insurance Commissioners said that in 2010 only 0.3% of total healthcare spending was spent defending malpractice claims and compensating victims.

It's all due to a corporatist healthcare system where players don't compete in a free market and lobby to get more consumer dollars sent their way directly and via government plans paid for with tax collections.

A government acting on behalf of the people would look at the situation and achieve the desired changes via the most cost effective means.

Lesee.. people who are old but aren't old enough for Medicare are having problems making ends meet due to the high costs of their insurance coverage.

We could expand the not-for-profit Medicare program for old people to cover these old people. Or we could require for-profit-insurers who are exempt from anti-trust legislation and allowed a 25% markup to collect the same totals but spread them out so they're charging young people at least 1/3 the oldest.

Lesee. people can't afford private insurance.

We could extend the not for profit Medicare program to cover them. Or we could pay them to buy coverage from for-profit insurers allowed a 25% markup on medical care disregarding the fact that those insurers are exempt from federal anti-trust laws, that the companies are buying health insurance companies and hospitals, that those companies don't really negotiate with the providers, etc.

Or going a step further.

America has a government owned not-for-profit hospital network that's a lot like the UK NHS . A legislative pen stroke could extend that into the Department of Veterans Affairs and Public Healthcare the same way BATF now deals with Explosives too.

Private citizens could keep using whatever health care they and their employers cared to buy, with coordination of benefits the way it works with California's SDI program.

Private companies could keep providing better or less expensive services which competed with that government function, or they could fail as they should for being so inefficient in an allegedly capitalist country .

78   zzyzzx   2013 Oct 25, 12:16pm  

I found another Hitler video about the Obamacare website. This one is better than the first one I found:

http://www.youtube.com/embed/e3-RKS0_NKk

79   mell   2013 Oct 26, 3:03am  

mark.anania1 says

For those young people who do not want to pay for the care and feeding of the elders that built the house, water systems, schools, roads, hospitals et.al. they plan to use, just go set up on a hill top in a national forest and live off the grid - no affordable care act, no taxes, no shelter, no water - but what you do earn is all yours.

Sure thing, like the Amish getting assfucked by the government since going galt. It is the responsibility of every generation to live within their means and not live off future generations's credit cards.

80   CL   2013 Oct 26, 3:21am  

freak80 says

Dan8267 says

And national policy on health care should not pit one generation against another.

Then again, our whole social security system is a form of generational theft...why should health care be any different?

That's what I was thinking. Who hates Social Security? Medicare?

These programs, and private insurance are always "subsidizing the sick or old" on the backs of the young and healthy. That's how they work and why they work, right?

The crux of the argument is essentially why don't the sick pay for themselves?

Why do my FICA taxes pay for someone else?

Well, why do I pay car insurance? I'm a good driver. The other guy should have it.

81   mell   2013 Oct 26, 6:00am  

egads101 says

Why do I pay so much taxes for education, when I'm never having kids? Why do people with kids actually get a tax break, when they will use so many more resources?

There is an argument to be made for people to only have kids if they can afford them and pay for them, which they mostly do already if they make enough money. The problem is that the kids suffer once born, and they didn't do anything to deserve a life in poverty. This is a diffcult one with no easy solutions.

egads101 says

Or to put it simply, "grow the fuck up, you whiny milleniuls!"

This is asinine and has nothing to do with whether you pay taxes or not. You are paying taxes to fund the previous generations luscious expenses, your housing appreciation and your job. Not much to complain about for the oracle and not very mature for an elder insulting the millienials.

82   Robber Baron Elite Scum   2013 Oct 26, 6:14am  

APOCALYPSEFUCK is Comptroller says

Next Obumfuck will pass as executive order that all the Millennialoids will have to buy a house and pay the boomtards at least 10x what they paid and fucking blow them at the closing and Michelle Obama will show up at every closing shouting Allah Akubar and holding a hand-held Gatling gun to the victimized buyer's head until he swallows the whole load.

My favorite masturbation porno is what you just described.

83   thomaswong.1986   2013 Oct 26, 8:59am  

APOCALYPSEFUCK is Comptroller says

Next Obumfuck will pass as executive order that all the Millennialoids will have to buy a house and pay the boomtards at least 10x what they paid and fucking blow them at the closing and Michelle Obama will show up at every closing shouting Allah Akubar and holding a hand-held Gatling gun to the victimized buyer's head until he swallows the whole load.

Next ? Its already happened..

84   Lvenit1   2013 Oct 26, 12:41pm  

Sorry, I don't trust or believe the source.

Shows exactly how rumors rile up those easily swayed.

85   monkframe   2013 Oct 26, 2:22pm  

errc says

As a 32 year old, I've already shipped off over 50k to these mega corps black hole of rentier death. That needs to stop. Instead, the dems want to assure that over the next 40 years, that I ship off another half a million in lost wages to these wholly unnecessary assholes.

Get fucked you dumb motherfuckers

As a 32 year old, you don't know anything yet, and don't know it. Life has a way of showing you.

86   Dan8267   2013 Oct 28, 6:32am  

CL says

These programs, and private insurance are always "subsidizing the sick or old" on the backs of the young and healthy. That's how they work and why they work, right?

They only work when there are more people in the working ages than there are in retirement age, and the people in the working ages are being paid enough at least as much, in real terms, as the retired people used to be paid.

The aging population and lower birthrates in America and Japan are invalidating this model. The problem with the model of one generation pays for the prior generation (or two priors generations) is that it relies on every increasing population, which is not sustainable.

Yes, we should have social safety nets, but they should be ran in a sustainable manner. Any execution that relies on a particular resources, such as human capital, increasing indefinitely is doomed to fail, and when it does fail, it will do so at the point of maximum cost. If a system is going to fail, it's better for it to fail quickly when the costs of replacing it are smallest.

87   anonymous   2013 Oct 28, 7:51am  

monkframe says

errc says

As a 32 year old, I've already shipped off over 50k to these mega corps black hole of rentier death. That needs to stop. Instead, the dems want to assure that over the next 40 years, that I ship off another half a million in lost wages to these wholly unnecessary assholes.

Get fucked you dumb motherfuckers

As a 32 year old, you don't know anything yet, and don't know it. Life has a way of showing you.

I know one thing is for certain, I'm getting absolutely RAPED on how much I (am now forced to pay) for private health insurance.

And sorry, your prying for an emotional guilt trip won't work on me. I'm too smart for that. But go right on ahead wishing something bad to happen to me, to prove me otherwise. Ill fight to the grave to make sure I never use any of the horseshit you's allow to be passed off as "healthcare".

88   rooemoore   2013 Oct 28, 8:09am  

errc says

And sorry, your prying for an emotional guilt trip won't work on me. I'm too smart for that. But go right on ahead wishing something bad to happen to me, to prove me otherwise. Ill fight to the grave to make sure I never use any of the horseshit you's allow to be passed off as "healthcare".

I agree with you that a lot of western - especially US - healthcare is fucked up. Most of the blame for this falls on the massive pharmaceutical industry. The food industry comes in a close second. But to write off all US healthcare as horseshit betrays your claim of being smart. It's reactionary and wrong. When I was your age I never went to the doctor but still had insurance with a 5000k deductible. Emergency care was not limited by the deductible, which was something I needed on occasion.

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