Overall Obama's health care policies will be beneficial to society if implemented
Debate Rounds (5)
I would first like to offer the following definitions.
Beneficial-Producing or promoting a favorable result; advantageous.
Society-The totality of social relationships among humans.
1. Freedom to choose what's in your plan
The bills in both houses require that Americans purchase insurance through "qualified" plans offered by health-care "exchanges" that would be set up in each state. The rub is that the plans can't really compete based on what they offer. The reason: The federal government will impose a minimum list of benefits that each plan is required to offer.Today, many states require these "standard benefits packages" -- and they're a major cause for the rise in health-care costs. Every group, from chiropractors to alcohol-abuse counselors, do lobbying to get included. Connecticut, for example, requires reimbursement for hair transplants, hearing aids, and in vitro fertilization.
The Senate bill would require coverage for prescription drugs, mental-health benefits, and substance-abuse services. It also requires policies to insure "children" until the age of 26. That's just the starting list. The bills would allow the Department of Health and Human Services to add to the list of required benefits, based on recommendations from a committee of experts. Americans, therefore, wouldn't even know what's in their plans and what they're required to pay for, directly.
2. Freedom to be rewarded for healthy living, or pay your real costs
As with the previous example, the Obama plan enshrines into federal law one of the worst features of state legislation: community rating. Eleven states, ranging from New York to Oregon, have some form of community rating. In its purest form, community rating requires that all patients pay the same rates for their level of coverage regardless of their age or medical condition.
Americans with pre-existing conditions need subsidies under any plan, but community rating is a dubious way to bring fairness to health care. The reason is twofold: First, it forces young people, who typically have lower incomes than older workers, to pay far more than their actual cost, and gives older workers, who can afford to pay more, a big discount. The state laws gouging the young are a major reason so many of them have joined the ranks of uninsured.
Under the Senate plan, insurers would be barred from charging any more than twice as much for one patient vs. any other patient with the same coverage. So if a 20-year-old who costs just $800 a year to insure is forced to pay $2,500, a 62-year-old who costs $7,500 would pay no more than $5,000.
Second, the bills would ban insurers from charging differing premiums based on the health of their customers. Again, that's understandable for folks with diabetes or cancer. But the bills would bar rewarding people who pursue a healthy lifestyle of exercise or a cholesterol-conscious diet. That's hardly a formula for lower costs. It's as if car insurers had to charge the same rates to safe drivers as to chronic speeders with a history of accidents.
3. Freedom to choose high-deductible coverage
The bills threaten to eliminate the one part of the market truly driven by consumers spending their own money. That's what makes a market, and health care needs more of it, not less.
Hundreds of companies now offer Health Savings Accounts to about 5 million employees. Those workers deposit tax-free money in the accounts and get a matching contribution from their employer. They can use the funds to buy a high-deductible plan -- say for major medical costs over $12,000. Preventive care is reimbursed, but patients pay all other routine doctor visits and tests with their own money from the HSA account. As a result, HSA users are far more cost-conscious than customers who are reimbursed for the majority of their care.
The bills seriously endanger the trend toward consumer-driven care in general. By requiring minimum packages, they would prevent patients from choosing stripped-down plans that cover only major medical expenses. "The government could set extremely low deductibles that would eliminate HSAs," says John Goodman of the National Center for Policy Analysis, a free-market research group. "And they could do it after the bills are passed."
Overall, majority of individuals making up our society would lose their key privileges of freedom.
A)Reduction in drug patents by several years will result in 108 billion in savings over ten years by increases the availability of generic drugs.
B)Investments in Community health centers in ObamaCare(18b) and the stimulus(2) will save 200 billion dollars in a ten year period .
C)Investments that result in providing computerized records and computer technology throughout the health care system will save 150billion yearly by 2017. Some of those savings are due to computerized records systems having 50% less medical errors .
D)Food companions will be required to provide clear labeling for nutritional data. Studies show this results in 15% of people consuming 106 calories less per meal . This could result (100c/20=4 15x4=60 .60x20) in over 10 billion in savings yearly due to increases in health   
E)The new law will required insurance companions to reduce their medical loss percentage to 20%(for large group)25%(for small group); given that the average loss percentage is around 25%, and that the large group makes up a majority of health insurance this will result in around 100billion dollars in savings a year 
F)In the stimulus there was billions that went into research determining which medical procedures and drugs work the best. Estimates show that this could save hundreds of billions of dollars yearly 
G)Also the ObamaCare law will switch how some health care is paid for; switching to a more bundled system that pays based on the health outcomes of patients. This could save hundreds of billions yearly if the implemented by the whole health care system. .
H)The new law will put a Pig tax on tanning salons this will result in less sue of tanning salons and since use of tanning salons causes skin cancer there will be less skin cancer.
I)The new law will put a Pig tax on health insurance plans with a high medical loss ratio, which will provide incentives for insurance companies to put out more efficient plans.
J)The law also creates a competitive market for those in the individual market; this is estimated to reduce costs due to the increased competition between health insurers.
K)The new law also mandates that preventative health care be provide free of charge, resulting in more people using preventative health care services.
L)ObamaCare also removes free subsides to health insurance companies in Medicare advantage saving tens of billions of dollars yearly .
M)A comprehensive study on the effects of just ObamaCare (meaning savings from computerized records and community health centers are not included) concludes that ObamaCare will decrease total health care spending by .01% per year .
N)Another study shows that just ObamaCare will result in health premiums in the individual market decreasing by 1,500 .
O)Another study finds that just ObamaCare will result in dramatic decreases in health premium costs for families.
2)Decrease in abusive insurance practices.
A)The new law makes it illegal for insurance companies to drop your coverage just because you get sick.
B)The new law also makes it illegal for insurance companies to limit your total health benefits; meaning if you get sick your insurance companies can no longer stop providing you care.
C)The new law makes it illegal for insurance companies to discriminate against you.
D)Under the new law insurance companies have to provide consumers with clear and precise definitions of benefits. This will prevent people from thinking they have coverage when in reality their insurance company will refuse to cover them.
3)Increases in the amount of coverage.
A)Under ObamaCare 35million people will be able to afford health care . A Harvard study shows that his will save 35,000 lives every year .
B)Under ObamaCare you will be able to keep your children on your insurance program until they are 26 years of age.
C)Under ObamaCare you will not longer lose your health coverage when you get sick or if you're health condition has cost a lot of money or if you develop a chronic health condition.
D)Under ObamaCare health plans will now be required to provide you with a better quality of health coverage.
A) Small businesses will get a tax credit up to 35% of premium cost .
B)Seniors will receive $250 more for drug costs .
C)Reduces the deficit by around 100 billion over ten years 
A)Even though Obama's health care polices expand coverage to around 35million Americans it reduces total health care costs by reducing wasteful spending and increasing the health of Americans/
B)Under Obama's health policies you will have fewer medical errors, and will have more health coverage under your health care plans this is despite the fact that your health care costs will be lower under his policies.
Bipolar forfeited this round.
Bipolar forfeited this round.
Bipolar forfeited this round.
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