First off, health care is a public good, not a market commodity. It does not hold to the economic model of supply and demand, or consumer-driven market forces. If it did, we would see the same productivity gains of the general market instead of the cost of care going through the roof on comparison. Access and affordability is part of what enables everyone to become a full member of society. And when any of us lacks that access and affordability all of society suffers.
In 1993, before the Blues went for-profit, insurers spent 95 cents out of every dollar of premiums on medical care, which is called their “medical loss ratio.” To increase profits, all insurers, regardless of their tax status, have been spending less on care in recent years and more on activities like marketing, lobbying, administration and the paying out of dividends. The average medical loss ratio is now closer to 80 percent. Some of the Blues were spending far less than that a decade into the new century. The medical loss ratio at the Texas Blues, where the whole concept of health insurance started, was just 64.4 percent in 2010.Let that sink in a minute, ",,,Medicare uses 98 percent of its funding for health care and only 2 percent for administration.
The framers of the Affordable Care Act tried to curb insurers’ profits and their executives’ salaries, which were some of the highest in the U.S. health care industry, by requiring them to spend 80 to 85 percent of every premium dollar on patient care. Insurers fought bitterly against this provision. Its inclusion in the ACA was hailed as a victory for consumers. But even that apparent “demand” was actually quite a generous gift when you consider that Medicare uses 98 percent of its funding for health care and only 2 percent for administration.
While I try and be nice at times, you are so stuck on the false notion of "welfare queen" that your ignorance is blinding. Here is a bit of truth concern responsibility, (internal citations removed)
Among adults with Medicaid coverage—those most likely to be in the workforce—nearly 8 in 10 live in working families, and a majority are working themselves,,, Data show that among the 24 million non-SSI adults (ages 19-64) enrolled in Medicaid in 2015, 6 in 10 (59%) are working themselves. A larger share, nearly 8 in 10 (78%), are in families with at least one worker, with nearly two-thirds (64%) with a full-time worker and another 15% with a part-time worker; one of the adults in such families may not work, often due to caregiving or other non-work responsibilities. Because states that expanded Medicaid under the ACA cover adults with family incomes at higher levels than those that did not, adults in Medicaid expansion states are more likely to be in working families or working themselves than those in non-expansion states.As I noted, 26% of the 70 million+ Medicaid recipients qualify based on income alone. Sixty percent of which ARE working. I would say that is being responsible wouldn't you?
Most Medicaid enrollees who work are working full-time for the full year. Among adult Medicaid enrollees who work, the majority (51%) worked full-time for the entire year, and most (84%) worked at the same job for the entire year (data not shown). Many (59%) are working 40 hours a week or longer. By definition (that is, in order to meet Medicaid eligibility criteria), these individuals are working low-wage jobs,,,
Nearly half of working adult Medicaid enrollees are employed by small firms, and many work in industries with low ESI offer rates. Working Medicaid enrollees work in firms and industries that often have limited employer-based coverage options. Four in ten workers in this group work for small firms with fewer than 50 employees that will not be subject to ACA penalties for not offering coverage. Further, many firms do not offer coverage to part-time workers. Four in ten workers in this group work in industries with historically low insurance rates, such as the agriculture and service industries. A closer look by specific industry shows that one-third of working Medicaid enrollees are employed in ten industries, with one in 10 enrollees working in restaurants or food services,,,
Just out curiosity, how much do you think a single-working age, welfare recipient receives in aid?
Minus Medicaid, here in PA, it is a grand total of maximum $200 in SNAP. That's it. There is no cash assistance. Again there may be caveats dependent upon circumstances such as housing, but "welfare" is generally considered food, cash assistance and medical. A single able body adult gets next to nothing. Like myself many live at or below poverty.
So let's take a look at your demonetization of addicts - YOUR WRONG!
While it is understandable that people are unhappy with some aspects of the healthcare insurance debate, it would be helpful if these individuals learn the facts. Take time to learn the policy governing Medicaid, who's eligible and who is not. Leave your bias at the door and quit making assumptions. Learn about the ACA, what it is responsible for and what it is not. IOWs read the fucking bill.
Examine your insurance companies. Should the CEOs of BC/BS be making $102 million a year collectively (per 2014 data)? If Medicaide has a 2% administration cost, why don't industry leaders follow?
Are you comparing apples to oranges? Do you even know what it is you are paying for? Is your insurance plan better or worse? Most people have no clue. Prior to the ACA, one major hospital stay (ICU) could cap out your insurance for life. You are now protected from that.
Is the ACA perfect? Fuck no! But it is better than what we had, which in my case was nothing!