News today

[rillaman]

They weren't forced to cover the uninsurable without payment. The costs were spread among the millions of insured. The US picked up a good chunk of the premiums for many formerly uninsured. This happened 16 years ago, but it is causing problems now. Go back to the RW web and see what other crap you can repost without insight.

I do this for a living. Any group that is still utilizing fully insured insurance is likely a loser for the insurance company. Only groups with bad risk are staying in that place. When insurance companies know they are losing $ in that space, they have to make up for it elsewhere. This isn’t rocket science.

But yes, medical trend is up double digits every year now. As I said, it’s not an either/or scenario, it’s both. I’d be happy to educate any owners/CFOs, HR people you know that are struggling with costs. Have to be pretty creative these days.

“spread among the millions of insured” = increased for the millions of insured.

 

[rillaman]

Simple scenario I see every day…

5 employee group, 2 have diabetes. They don’t qualify for level funded or self insurance, have to be fully insured. They pay 50k a year in medical insurance premium. Well, those 2 employees cost a combined 200k per year. Major loser for the insurance company every year, and they can only increase the rates as much as the insurance dept approves. So again, major loser year after year. Those claims aren’t coming off until the employee leaves or dies.

Now you have a 50 employee group that is level funded. They run well below plan. They can get some of a surplus back, but they are expecting a single digit increase (or no increase) at renewal. Sorry, you are also getting a 15% increase? Why? Something called a credibility factor, medical trend, and because of Obamacare. The insurance company is not just going to consider your risk. They also have to factor in how all of their groups are running, including their fully insured block. So you are getting an increase to help cover for the losses they are taking on with the fully insured block.

That’s an everyday story that most people don’t understand. Business owners do. Government workers do not.

 

[Uncoach]

They weren't forced to cover the uninsurable without payment. The costs were spread among the millions of insured. The US picked up a good chunk of the premiums for many formerly uninsured. This happened 16 years ago, but it is causing problems now. Go back to the RW web and see what other crap you can repost without insight.

It was causing issues from day 1. Obamacare is a scam. It was designed to fail and lead to universal healthcare. Please explain which industries the government has gotten involved in where costs went down. There are none. Speaking of none, you have zero insight.

 

[stoneaxe27]

It was causing issues from day 1. Obamacare is a scam. It was designed to fail and lead to universal healthcare. Please explain which industries the government has gotten involved in where costs went down. There are none. Speaking of none, you have zero insight.

Medical Care (Medicare, Medicaid). Postal delivery. Education. Transportation (public)

 

[Uncoach]

Note to R2D3 fail boy: the thread is titled “News Today”.

 

[rillaman]

They weren't forced to cover the uninsurable without payment. The costs were spread among the millions of insured. The US picked up a good chunk of the premiums for many formerly uninsured. This happened 16 years ago, but it is causing problems now. Go back to the RW web and see what other crap you can repost without insight.

If you pay 10k per year for “insurance” and you cost the insurance company 100k every year, and they are forced to continue coverage, it’s not insurance.

Imagine this with auto insurance. Imagine that they have to cover someone with 10 DUIs because they make a payment every year. And the insurance company had to pay 100s of thousands to cover them and all the accidents and injuries they caused. Then the govt said you have to renew them (at a fixed rate, decided by the gov’t). Guess what, everyone else would get increases to help cover those horrible risks.

A lot of people need an elementary level class on finance and insurance.

 

[Uncoach]

Medical Care (Medicare, Medicaid). Postal delivery. Education. Transportation (public)

USPS Operational Restructuring: Latest Updates on Cash Crisis and Network Overhaul

USPS operational restructuring is accelerating as the agency posts another quarterly loss. See the latest financial data, network changes, and what it means for mail delivery.

govtschemes.org

Postal delivery? Who is paying for the billion$ the post office loses every year? When is the last time you put postage on a letter at the office? Thanks to the internet the USPS has declining usage. Their answer is to raise rates.

Check the Charts — Data Literacy Project

Interactive economic charts with multi-causal analysis. Turn viral chart propaganda into a teaching moment for statistical literacy.

checkthecharts.org

Education? A college education is extremely expensive compared to decades ago prior to government-backed student loans. The explosion of administrative personnel is from government involvement. They don’t work for free. The cost of college has outpaced regular COL by a significant amount.


Public transportation? LOL. Perhaps you could give us a rundown on Amtrak. How about that high speed rail project in California?

 

[Uncoach]

 

[Uncoach]

Stonedhead probably thinks this is compatible with US values.

 

[Semi-elite R2R athlete]

Stonedhead probably thinks this is compatible with US values.

You are a retarded bigot falling for engagement bait slop.

Muslims make up less than 2% of the population. Even smaller fraction would be considered radical or extremest.

The douchebags here that love to throw around the antisemitism accusations are the biggest ******* hypocrites ever.

 

[Uncoach]

Correct. The Republicans who entertained this recognition should be primaried.

 

[Semi-elite R2R athlete]

Note to R2D3 fail boy: the thread is titled “News Today”.

You still don’t get it.

 

[Uncoach]

 

[dtrain79]

Your blindness to the obvious is amazing. The math doesn’t math.



Your blindess to obvious facts that are available maybe isn’t as amazing as much as I give you credit. The election result you apparently support is a ******* joke. Lulu used his personal attorney who was appointed to the Supreme Court to keep areas where Lulu voters were strong open extra hours while the more rural locations did not receive that information because…they were rural. The timing was completely beneficial to Lulu. This needed to go to the election judges, not to Lulu’s personal attorney turned SC judge.



There is a reason I ignore the vast majority of your posts. You are willfully unable to accept truth even with factual evidence presented. This joke post you quoted is funny, because it’s true.

BTW, the all caps post you made was very Trumpian. Congratulations. Little by little you are assimilating.

Let's revisit Dumbcoach's attack on me from yesterday when he said the vote was rigged in favor of Lula, and "the math doesn't math."

Within hours of his post, Bolsonaro's party conceded the election. The supposed stolen election narrative didn't survive a 24-hour cycle, BUT DUMBCOACH BELIEVED IT BECAUSE FAR RIGHT WING TWITTER ACCOUNTS CLAIMED IT. Bolsonaro's own party didn't believe it, but Dumbcoach and his right wing algorithm understand Brazilian elections better than ... the Brazilian political parties involved in said elections. Man these guys are geniuses.

Now we'll move on to Bolsonaro Jr., who has apparently fled the country. I'm actually of the opinion this reflects poorly on the Brazilian left. Is Junior corrupt? (I'd bet so, because both the leftists and populists in Brazil are.) Should the first response to winning an election be to arrest your opponent? Absolutely freaking not.

 

[dtrain79]

I mean, I think it's probably pretty obvious that DeSantis is better at governing than JB Pritzker, and Florida is generally much better run than Illinois.

 

[Semi-elite R2R athlete]

I mean, I think it's probably pretty obvious that DeSantis is better at governing than JB Pritzker, and Florida is generally much better run than Illinois.

These dumbshits had the opportunity to elect RDS and they chose the reality show instead. Now they’re crying because nothing is changed. What a shocker.

 

[dtrain79]

These dumbshits had the opportunity to elect RDS and they chose the reality show instead. Now they’re crying because nothing is changed. What a shocker.

I was a huge RDS supporter. Paid $1,000 to attend a fundraiser he spoke at in the first half of 2023. Of course would have voted for him had he made it to Texas. Will certainly vote for him in a future general election.

But ultimately, these jokers didn't care about policy or governance. Trump upsets the left more than RDS, and so Trump it was for them.

They are now getting what they deserved for that decision.

 

[rillaman]

n/a

 

[ILisBest]

Bill O MOD

It is a brutal political climate in America right now.

Both parties are insecure about the midterm vote. A lot is at stake: Iran, Ukraine, socialism, and, of course, affordability.

The Democrats are making that the center of their campaign. But people can’t afford to live in blue cities or states. They tax everything you buy.

If you’re taking money from hard-working people, we have less money. That’s not affordability. This is what the progressives are selling, and millions of people are buying it.

The problem with this election is that we are no longer living in the real world. You would expect Democratic Party leaders to have an answer for how they will lower prices. No.

They have no plan to put more money in people’s pockets.

One party is running on an issue it has no solution for.

This is not partisan; it is a factual analysis.

 

[ILisBest]

It’s not an either/or situation. You think that forcing private insurers to cover the uninsurable had zero impact on costs? Do you ever use common sense?

 

[dtrain79]

Bill O MOD

It is a brutal political climate in America right now.

Both parties are insecure about the midterm vote. A lot is at stake: Iran, Ukraine, socialism, and, of course, affordability.

The Democrats are making that the center of their campaign. But people can’t afford to live in blue cities or states. They tax everything you buy.

If you’re taking money from hard-working people, we have less money. That’s not affordability. This is what the progressives are selling, and millions of people are buying it.

The problem with this election is that we are no longer living in the real world. You would expect Democratic Party leaders to have an answer for how they will lower prices. No.

They have no plan to put more money in people’s pockets.

One party is running on an issue it has no solution for.

This is not partisan; it is a factual analysis.

Removing all tariffs would be a start to lowering prices!

You take that and the recent gas surge during the Iran War away ... price increases under Trump wouldn't be bad at all.

Obviously you know my position on Iran. Notably the US blockade seems to very much be working, the Gulf States are getting oil out pretty similarly to pre-war, Iran is not.

 

[stoneaxe27]

USPS Operational Restructuring: Latest Updates on Cash Crisis and Network Overhaul

USPS operational restructuring is accelerating as the agency posts another quarterly loss. See the latest financial data, network changes, and what it means for mail delivery.

govtschemes.org

Postal delivery? Who is paying for the billion$ the post office loses every year? When is the last time you put postage on a letter at the office? Thanks to the internet the USPS has declining usage. Their answer is to raise rates.

Check the Charts — Data Literacy Project

Interactive economic charts with multi-causal analysis. Turn viral chart propaganda into a teaching moment for statistical literacy.

checkthecharts.org

Education? A college education is extremely expensive compared to decades ago prior to government-backed student loans. The explosion of administrative personnel is from government involvement. They don’t work for free. The cost of college has outpaced regular COL by a significant amount.


Public transportation? LOL. Perhaps you could give us a rundown on Amtrak. How about that high speed rail project in California?

Postal delivery less than a buck, Fedex and UPS how many dollars? Public University versus private. Even a dullard like you can understand. Public Transportation= buses, trolleys, subways etc. versus taxi or automobiles with parking.

 

[Uncoach]

Postal delivery less than a buck, Fedex and UPS how many dollars? Public University versus private. Even a dullard like you can understand. Public Transportation= buses, trolleys, subways etc. versus taxi or automobiles with parking.

It's like you've never used these things. LOL.

 

[Uncoach]

LOL. Ask and ye shall receive. The list isn't shocking at all.

 

[tjfleck6]

Hey, let’s go after a major industry in Arizona.

I actually knew a golf course owner who got out when the community it benefited would not allow a range and commercial aspect. Nature has reclaimed it!

 

[stoneaxe27]

It's like you've never used these things. LOL.

Use them all the time.

 

[tjfleck6]

Just 2 years ago I was told by someone who knows more than everyone here, that Justin Heap was a sure loser. Great to have Justin Heap instead of the fake R Richer.

 

[stoneaxe27]

LOL. Ask and ye shall receive. The list isn't shocking at all.

You have gone off the deep end. Sounds like American Nazi Party or KKK material you are re-posting.

 

[Uncoach]

Good news.

 

[Uncoach]

Use them all the time.

Sure you do.

 

[stoneaxe27]

Stonedhead probably thinks this is compatible with US values.

Mommy, I am scared!

 

[dtrain79]

Just 2 years ago I was told by someone who knows more than everyone here, that Justin Heap was a sure loser. Great to have Justin Heap instead of the fake R Richer.

I am going to own my L on the Maricopa County Recorder of Deeds election.

I lost that one, tough beat.

 

[Uncoach]

You have gone off the deep end. Sounds like American Nazi Party or KKK material you are re-posting.

There is already a Hindu month celebration in October. I know this because of all the fireworks that go off in my local area for their celebrations. Indians don't need another month. This elected official was raised in America his entire life and feels the need to have our Independence activities and celebrations downplayed to recognize his "heritage". I don't have any craps to give about someone's heritage. You live in the US. You've been here your entire life. Your homeland is America. It isn't the color of your skin or where TF your kin came from. Many years ago I had a conversation on St Patrick's Day with a lovely young lady who said she wanted to visit her homeland (Ireland). I asked her how many generations of her family had been born in the US. She was 4th Gen. I explained to her as kindly as I could her homeland was the US. Needless to say, she wasn't happy with my comment. I don't care. If you were raised in the US, your heritage is the US, not some other country. You're about as braindead as it gets. You have no answers, so all you can do is post naziism/KKK BS. GFY, Skippy.

 

[Uncoach]

Mommy, I am scared!

Dumb AF.

 

[stoneaxe27]

There is already a Hindu month celebration in October. I know this because of all the fireworks that go off in my local area for their celebrations. Indians don't need another month. This elected official was raised in America his entire life and feels the need to have our Independence activities and celebrations downplayed to recognize his "heritage". I don't have any craps to give about someone's heritage. You live in the US. You've been here your entire life. Your homeland is America. It isn't the color of your skin or where TF your kin came from. Many years ago I had a conversation on St Patrick's Day with a lovely young lady who said she wanted to visit her homeland (Ireland). I asked her how many generations of her family had been born in the US. She was 4th Gen. I explained to her as kindly as I could her homeland was the US. Needless to say, she wasn't happy with my comment. I don't care. If you were raised in the US, your heritage is the US, not some other country. You're about as braindead as it gets. You have no answers, so all you can do is post naziism/KKK BS. GFY, Skippy.

You are sinking deeper and deeper into the RW morass of stupidity and ignorance and appear to be day drinking.

 

[tjfleck6]

 

[Semi-elite R2R athlete]

MAGA!

 

[dtrain79]

MAGA!

I think my favorite thing is that the MAGAheads just gloss over our pro-RDS posts as if they didn't exist.

When you have people openly rooting on candidates to the right of Trump and those people also happen to hate MAGA, don't you ask yourself some questions about how we are where we are.

 

[rillaman]

Postal delivery less than a buck, Fedex and UPS how many dollars? Public University versus private. Even a dullard like you can understand. Public Transportation= buses, trolleys, subways etc. versus taxi or automobiles with parking.

Gosh, this is a perfect example. It's cheap because it's subsidized by people that don't use it. We all have to pay into it, for the 3-5% of workers that actually use it. I think the overall # is somewhere around 15%. So 100% of people pay for something that a small % use. Similar to ACA. Pretty terrible investment in the real world, but a worthy investment in the eyes of Democrats/socialists. Roughly 6% of people utilize ACA plans, and we all pay the taxes, fees, compliance. Great for 6% of people, not great for everyone else.

Look at California's high speed rail. Everyone pays into it, almost no one will use it, if it’s ever completed. Colorado has a front range passenger rail on the ballot this fall. I have yet to find anyone that wants it. And the people that do want it think people who will never use it should have to pay for it. Socialism sucks, it's the race to zero, and will make things worse for 90% of people while it helps the tiny minority.

Private transportation is more expensive because it's only paid for by the people that use it, and because they still have to abide by all the regulations that the govt puts in place.

 

[rillaman]

This is why I laugh when you talk about me golfing 5-10 times a year. Guess it's not a problem anymore.

My ideas are reasonable. If we don't make reasonable changes, you will deal with more people like this that think we should get rid of them altogether.