Does the health care legislation reduce the costs of health care for policy holders in the U.S.?

  • If properly enacted, the health care legislation will reduce the cost of health care.

    No portion of it should be repealed. When all citizens of the USA are covered, then the costs can be regulated and will decline for all citizens, while still possible to make the insurance companies a profit. More reform is needed to provide regulations on billing and profit-taking, done at the expense of people's health.

    Posted by: DisillusionedGilberto67
  • I think that the new health care legislation could reduce the costs for policy holders by putting limits on the amounts of payments.

    Many policy holders are constantly seeing their health care rates increase for no real reason. The health care legislation would limit this, and force health care companies to specify why they are raising rates, before the rates went into effect. This would drastically reduce the costs of private health care for consumers.

    Posted by: TMacias
  • Yes, but this is a tough question to answer without it actually being implemented yet.

    I feel that if the president's new health care legislation is going to work then we do need to make sure that the healthcare industry stops ripping off the American people. The new legislation, as I understand it, opens the market to allow health insurance companies to sell their policies across state lines, thereby giving the consumer the right to shop for better and cheaper insurance. This should allow for the price of health insurance to be cheaper.

    Posted by: SlipArnal
  • By increasing the size of the pool, the law places less pressure on insurers to raise rates, among other reforms.

    The law provides insurers with a larger customer base and, as I understand it, encourages preventive care, both of which should decrease health care costs for consumers. It also explores programs that seek to reduce over-treatment and that prioritize quality of outcomes rather than quantity of care, which should also reduce consumer health expenses. To be sure, some people with insurance who didn't have it before will spend more on health care than they had, but this will be their choice, not an effect of the law per se. The law, in itself, appears likely to reduce costs.

    Posted by: M4I4cFeIine
  • Even though it is intended to help lower income people to get a health care plan, the health care legislation actually costs the middle/working class plenty.

    The bottom line: the government raises our taxes to cover all these programs they bring to a vote. So the working class end up with the bill. It is another one of those taxation things that needs to stop. If you bankrupt the middle class, like they keep trying to do, there will be no tax money, and the Chinese will take over without firing a shot like we did to Russia.

    Posted by: WilldL0v3ly
  • Through regulatory action and preventative action the health care legislation certainly reduces costs for policy holders in the U.S.

    The new health care legislation does many things to reduce cost for policy holders, the biggest of which is that it disallows insurance companies from taking advantage of many of the loopholes that they have previously used to avoid covering their paying customers. It additionally allows families to continue coverage for their children until they are 26, so that both the child and the parent can save money by not having to purchase separate plans.

    Posted by: SydneeM
  • I believe health care legislation will reduce cost of health care, because it shifts the focus to the needs of the customer.

    Health care legislation provides for the inclusion of people currently outside the system. This move undoubtedly will add costs. However, this is more than balanced by curbs on the premiums health care providers charge for key, emerging treatments. More fundamentally, it shifts the emphasis from the providers' right to profits to people's need for health care. This promises ultimately to lower costs.

    Posted by: EriBeatrix
  • The new law requires insurance providers to pay for preventative care.

    Because the new law requires insurance to cover preventative care, people won't have to pay for basic check-ups. People are more likely to get a check-up if they don't have to pay for it, and if they do have a problem, it can be found and treated before it becomes more severe and expensive to treat. There are many diseases that can be cured more easily if they are caught early. A lot of people don't go to the doctor until the symptoms become severe because they don't want to pay for a check-up.

    Posted by: N Schroeder 60
  • Health care legislation has the potential to reduce the cost of health care for policy holders.

    Currently, health care costs include a surcharge to help providers make up the difference that unreimbursed care to those without insurance, or without adequate insurance, who fail to pay. If proper legislation is enacted, and more people could get insurance, and more people would actually get the benefits they are entitled to (as the insurance companies often deny covered care), the risk is spread wider, so the overcharges would be limited. Many medical bankruptcies are of those who HAVE insurance.

    Posted by: K_Frye
  • I think that the health care legislation will mandate lower premiums for US policy holders. That is what the need for health care legislation is all about.

    I think health care legislation will result in lower premiums for US policy holders. Part of what has lead to the need for health care reform is runaway premiums. The catch 22 is the costs of reducing premiums may lead to budget deficits that require new taxes. Those new taxes could easily offset the reductions in premiums that the health care legislation mandates.

    Posted by: TasticBran
  • Reality

    - Insuring millions more will result in more health care activity and thus more health care costs.
    - Government involvement, esp. as 3rd-party payers, distorts the market pricing mechanism and reduces the incentives to economize.
    - Government typically spends more than projected (while producing less) and studies are already pointing to this reality for the Obama health care bill.
    - Obama is using this bill as a step to a government one-payer system. We see from Medicare and Medicare that politicians have the incentive to increase benefits to win more votes. When the government ends up with a monopoly on providing health care insurance, we will see all of the problems associated with a government monopoly. Don't get sick!!

  • No! Health care legislation will do nothing to reduce the overwhelming cost of health care.

    With greedy drug companies and hospitals in America controlling the skyrocketing cost of medical care, and the economy in the state it is, to force people to pay for something they cannot afford or face fines enacted by health care legislation is wrong. It is another way to force the poor to keep lining the pockets of insurance companies on top of the already high cost of health care.

    Posted by: LimpingChauncey64
  • I disagree that health care legislation reduces the cost of health care for policy holders in the U.S.

    I believe that health care legislation interferes with the free market economy. In a free market economy, anytime competition for one's medical dollar is impeded, the prices for those services will eventually increase. I have personally experienced this increase in just the past year as my family's medical costs have risen without a corresponding increase in care.

    Posted by: LuxuriantHarley66
  • Health care legislation does not reduce the costs of health care for policy holders in the U.S.

    Health care legislation does not reduce the costs of health care for policy holders in the U.S. because it requires insurers to accept new clients with pre-existing conditions and the extra expense related to pre-existing conditions raises the premiums. Further, the legislation mandates a whole list of new options, which increase expenses. The insurance providers will fold the additional expenses into premiums.

    Posted by: JamieM
  • Health care costs have already gone up because of the health care plan.

    Obama's health care plan did require all Americans to have health insurance and offered ways for the poor to receive it. Unfortunately for the rest of America it caused the health care premiums and deductibles to skyrocket. This may not be what the plan was intended to do, but the insurance companies have a reason to raise rates. Whether it is a legitimate reason or not only they know, but they are going to keep asking for more money nonetheless.

    Posted by: M0r3Interior
  • I disagree, because it's not legislation that controls the costs, it's the companies and doctors directly.

    The basic reason that health insurance costs are so high is that doctors have so much to worry about, with taking many different insurances, that they feel they can just charge whatever they want. This relates back directly to the health insurance companies and then, in turn, the policy holders. Another reason is that the doctors are not even submitting claims correctly or legally to health insurance companies.

    Posted by: TigerDiII
  • By covering more people who can't afford coverage themselves, costs for everyone will go up.

    If there are people who can't afford any kind of health care coverage, and suddenly the government is covering it, it has to come from somewhere. Whether this is indirectly through tax revenue, or directly through increased premiums of current policy holders, the costs will continue to rise to cover the uninsured.

    Posted by: M0r3Fire
  • This latest health care legislation has almost all negative effects for people. Most will not have a rise in prices, but it will be the insurance industry's decision in the end.

    There is nothing about this legislation that will reduce costs. This was the biggest gift to the insurance industry ever. Yes, a few high-priced plans may be reduced but for those who cannot afford insurance, now that they are mandated to have it, will face fines if they don't acquire insurance. This is an unbelievable rise in cost. Many people will be hurt by this legislation, HSA's are changing, and people will have to pay out of pocket for many things that used to be covered by their HSA.

    Posted by: 54IInferno
  • No, it shifts the costs of older workers to younger workers.

    The healthcare bill mandates perfectly healthy young people obtain insurance to subsidize the old and infirmed's health insurance. It does not lower costs for those that do not buy health insurance. It also does not lower the cost of obtaining it for the young and healthy.

    Posted by: StormGra
  • It merely gives the government more control, more bureaucrats to get in the way of doctor-patient care and add 30 or so million people to the rolls with no provision to pay for them

    People with five or more chronic conditions make 12 physician visits and fill 50 prescriptions a year.

    Posted by: JKlein

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