Ryan May Lead to Single-Payer Health Care: Ezra Klein

Et to play a game: I will describe a health care bill. Then you tell me if I am President Barack Obama's Affordable Care Act or the budget this week by Rep. Paul Ryan is describing.

Individuals can choose to go without insurance, but if they do, they pay a penalty.
Ezra Klein about

Ezra Klein is a columnist and blogger in the Washington Post and MSNBC is a policy analyst. His work, domestic and economic policy, as well as the political system that focuses on constantly screwing up.
Ezra Klein about
Enlarge image Ezra Klein

Photographer: Evan Sung

This, of course, is a trick question. Affordable Care Act and the paragraph that describes Ryan's proposed Medicare reforms. Both schemes are essentially identical in the insurance market. And for good reason.

Affordable Care Act of health care was based on two decades of Republican thinking.

A year later, the Republicans decided they could not live with such a system, or at least it was proposed by a Democratic president.
"Repeal and Replace

The problem for Republicans, however, that they have a better - or even alternative - ideas. Since the passage of the Affordable Care Act, "repeal and replace" tea party rallies and a reliable applause line once uttered on the floor of the House of Representatives has been cast. But the repeal of the Republican health care reform "have united around, they have managed to come up with a policy of" place. "

To Medicare - Democrats stole - instead, they chose to apply the old policy framework. That left the two parties in some awkward situations. Democrats Republicans support the idea that the old under-65 set, but it is opposed to the over 65 set. Republicans, Democrats' support for new ideas to -65 on the set, but it is opposed to the under-65 set.

It is as absurd as it seems.For both parties, the policy direction rather than the policy itself, that matters

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Private for profit health insurance companies hate the Affordable Care Act! Continue reading on Examiner.com Private for profit health insurance comp

For the protection of the patient and Affordable Care Act took effect, insurance companies can arbitrarily cancel icing on the cake and families, benefits, or refuse to cover children just because they were born with a pre-existing condition. Before the Law, 105 million Americans live caps had on their care, including 10.4 million African Americans.


Up to 129 million Americans under the age of 65 have a health condition that may make it difficult to find their own insurance. Before the health care law, some insurance companies spent as much as 40 percent of premiums on administrative overhead, such as marketing and CEO bonuses.

Today, health care law put an end to some of the worst insurance industry abuses.

The law is to ensure that families' insurance is really for them when they need it by keeping insurance companies from making medical consumers, especially those who are desperate and dying for their own selfish advantage.

Lifetime caps are banned for good. This is something that really pisses the private for profit health insurers off!

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The End of Private Health Insurance In America

ss one of the largest Insurers in the country recently had a very public bombshell about the future of his industry - the prospects for imminent death.

On February 1 conference in Las Vegas, Aetna President Mark Bertolini told a crowd of thou sands that "the end of the insurance companies, the way we run the business in the past here."

This is not just industry Whining - it's the truth. And the main reason for the shift is Obamacare - to her critics 'dismay, and the champions' enjoyment. The president of the Law Reform installed dozens of new restrictions on how health insurance plans can be sold, priced and managed. Sales Policy has become a money-losing proposition for many companies. And a number have Already Completely shut down or scaled back as a result.

Make no mistake - Obamacare Means the end of private insurance as we know it. And slowly but Surely, Patients Previously covered by private insurance find Themselves Diverted to the government health programs.

One of the most disturbing new Obamacare the limitations is the "minimum medical loss ratio" (MLR). This rule requires That Insurers for 80 to 85 percent of all premiums received on the receivables to spend. The first regulates the individual and small group markets, The Latter the large group market.

The idea is to preventDefault Insurers funneling large amounts of revenue in the direction or administrative costs or profit. If the company does not hit the 80 - or 85-percent target, he must discount its customers the difference.

This rule may sound reasonable. After all, who does not want a better price for Their U.S. dollar premium to get?

But it is exerting a serious toll on Insurers' bottom lines. WellPoint, the nation's largest insurer, has an estimated $ 300-1000000 hit last year as a result of the rule. Aetna ago $ 100 million in damage at the hands of the MLR.

Insurers will not only eat Those losses. They increasefontsize the comp premiums to sate. And the consumer will be left holding the bag.

Further, most administrative burdens - such as office rent and staff salaries - are Relatively fixed. And the industry's profit margin in the vicinity of 2 percent. So the easiest way for many Insurers for administrative costs to driving under the threshold would be to hike premiums and just pay providers more money.

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The End of Private Health Insurance In America

The boss of one of the largest insurers in the country recently had a very public bombshell about the future of his industry - the prospects for imminent death.

On February 1 conference in Las Vegas, Aetna President Mark Bertolini told a crowd of thousands that "the end of the insurance companies, the way we run the business in the past here."

This is not just industry whining - it's the truth. And the main reason for the shift is Obamacare - to her critics 'dismay, and the champions' enjoyment. The president of the Reform Law installed dozens of new restrictions on how health insurance plans can be sold, priced and managed. Sales Policy has become a money-losing proposition for many companies. And a number have already scaled back or completely shut down as a result.

Make no mistake - Obamacare means the end of private insurance as we know it. And slowly but surely, patients previously covered by private insurance find themselves diverted to the government health programs.

One of the most disturbing new Obamacare the limitations is the "minimum medical loss ratio" (MLR). This rule requires that insurers for 80 to 85 percent of all premiums received on the receivables to spend. The first regulates the individual and small group markets, the latter the large group market.

The idea is to prevent insurers funneling large amounts of revenue in the direction of administrative costs or profit. If the company does not hit the 80 - or 85-percent target, he must discount its customers the difference.

This rule may sound reasonable. After all, who does not want a better price for their premium dollars to get?

But it is exerting a serious toll on insurers' bottom lines. WellPoint, the nation's largest insurer, has an estimated $ 300-1000000 hit last year as a result of the rule. Aetna ago $ 100 million in damage at the hands of the MLR.

Insurers will not only eat those losses. They increase the premiums to compensate. And the consumer will be left holding the bag.

Further, most administrative burdens - such as office rent and staff salaries - are relatively fixed. And the industry's profit margin in the vicinity of 2 percent. So the easiest way for many insurers for administrative costs to driving under the threshold would be to hike premiums and just pay providers more money.

That would be good news for doctors and hospitals - but it certainly will not for patients.

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