Viewing a single comment thread. View all comments

[deleted] t1_ivwt2yz wrote

Reply to comment by MOGicantbewitty in Why did Great Barrington vote so staunchly for No on 2? by nrvs_hbt

[deleted]

1

MOGicantbewitty t1_ivzc8tx wrote

What happened to the free market? If costs go up so much, it will be cheaper to just pay for the dental work, and people won’t buy the insurance.

You do realize that they are required to spend 83% of the premiums on services right? Because if premiums go up, the paid for services just as well. You really don’t get this

1

[deleted] t1_ivzf4d2 wrote

[deleted]

0

MOGicantbewitty t1_ivzmiip wrote

Except that people won’t buy dental insurance that doesn’t make sense for them. And you can’t make a profit if you can’t sell a product. People who need more expensive work can buy the insurance but it won’t make them a profit

Weird how the same requirements have worked for health insurance… but won’t for dental? An unnecessary insurance?

If you can predict how this law will lead to unsustainable premium increases, can you show evidence of where it’s happened before? Peer reviewed studies… NOT just your words. Because you do keep saying the same thing but ignoring the fact that people will drop plans that don’t work for them, AND that it’s worked well for health insurance. Please provide evidence to support your assumed assertions. Otherwise it means nothing

1

[deleted] t1_ivzpcwn wrote

[deleted]

0

MOGicantbewitty t1_ivzre37 wrote

It’s funny how I provided evidence, but you won’t. Probably because the evidence supports that premiums will not go through the roof. we don’t need to wait a year to see what happens, there’s already data that shows what happens when we pass these kinds of laws. It’s also weird that you were completely interested in debating this point until I asked for evidence and provided some of my own. But it’s cool, you can wait a year to see that I was right

1

[deleted] t1_ivzxxao wrote

[deleted]

0

MOGicantbewitty t1_iw02bmh wrote

I think YOU didn’t read your link. It’s an opinion column. NOT a study. About what health insurance companies want… not about what happens. Lmao

1

[deleted] t1_iw02lo1 wrote

[deleted]

0

MOGicantbewitty t1_iw0365l wrote

Moving the goalpost there real nice.

I want peer reviewed studies showing that the 83% rule leads to unsustainable premium increases. Not an opinion column whose citations include showing the Medicaid costs went up after chiropractic services were added. You didn’t read it.

But go ahead, wait a year. Then come on back and show me how the dental plans in MA are worse. Even use the remind me! bot. Bc I’m done. You aren’t engaging in good faith and I’m bored. Bye!

1

MOGicantbewitty t1_ivzrjc6 wrote

Did you see the other comment? I did provide evidence that shows regulations like these do not increase premiums. With graphs and reputable statistics and everything

1

MOGicantbewitty t1_ivzrr2o wrote

Oh yeah, and that’s not why insurance works. Insurance works because insurers can negotiate lower rates for services on an individual can. So we pay premiums and they pay lower cost, that’s where their profit comes from. Not from people paying worthless insurance that they will never use

1

MOGicantbewitty t1_ivzpows wrote

Here is an article for HR folks about increases in premiums.

Look at the graph based on Dept of Labor statistics showing the increases in total insurance costs. The premiums had a huge spike around 2000, and then dropped substantially and regularly after the ACA (Obamacare) was passed. Even now, premium increases are out paced by inflation. And that’s not considering the added costs to health care with an aging population. The Boomers are getting older and sicker. So, premiums HAVE GONE DOWN since the same law was instituted for health care. Why would it be different for a voluntary insurance that most people wouldn’t need if the premiums got higher than preventative care cost. Please… show me

1