{"id":133010,"date":"2017-03-10T16:33:29","date_gmt":"2017-03-10T23:33:29","guid":{"rendered":"http:\/\/hill-kleerup.org\/blog\/2017\/03\/10\/does-paul-ryan-not-understand-the-basic-principle-of-insurance.html"},"modified":"2017-03-10T16:33:29","modified_gmt":"2017-03-10T23:33:29","slug":"does-paul-ryan-not-understand-the-basic-principle-of-insurance","status":"publish","type":"post","link":"https:\/\/hill-kleerup.org\/blog\/2017\/03\/10\/does-paul-ryan-not-understand-the-basic-principle-of-insurance.html","title":{"rendered":"Does Paul Ryan not understand the basic principle of insurance?"},"content":{"rendered":"

Or is he being disingenuous (i.e., lying) to actually discredit<\/i> the basic principle of insurance?<\/p>\n

'The fatal conceit of Obamacare is that we’re just gonna make everybody buy our health insurance at the federal-government level, young and healthy people are going to go into the market and pay for the older, sicker people. So, the young healthy person is going to be made to buy health care, and they’re going to pay for the person, you know, gets breast cancer in her 40s or who gets heart disease in his 50s. […] The whole idea of Obamacare is … the people who are healthy pay for the people who are sick. It’s not working, and that’s why it’s in a death spiral.'<\/i><\/p>\n

Yes, that is the principle of an insurance pool, a shared risk pool. By making the pool large enough, everyone pays a little to make sure that those who need a large payout are covered.<\/p>\n

It's difficult to believe Ryan doesn't understand this. Which makes me think that his bottom line is to make such cooperative actions seem somehow wrong, dirty, coercive, evil. "I got my health, why should I care about yours?"[1] That would be in keeping with his other pious philosophies about social welfare programs, but doesn't seem to be a palatable enough message for him to speak it directly.<\/p>\n

(And, actually, Speaker Ryan, the ACA is<\/i> working, which is why enrollment is up. What's not working is that the basis on which insurance companies can charge, etc., has not been updated since the original ACA passed because the GOP wouldn't let<\/i> it be. That's why insurance companies have been dropping out, not because they cannot possibly be profitable doing that business, but because the GOP wouldn't fix the problems that were keeping them from profitability. Which they aren't doing now, either.)<\/p>\n

——<\/p>\n

[1] The big problem being that health is not pre-determined. While one can say, "Hey, Susan has a pre-existing condition, ew, let's throw her out of the insurance pool or make it too expensive for her to be in it," nobody can say who amongst the presently apparently hale and healthy will not be struck tomorrow by some cataclysmic accident or new condition. A large insurance pool protects everyone,<\/i> not just the presently-safe.<\/p><\/blockquote>\n

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\n<\/a>
\nPaul Ryan flubs the basic idea behind insurance | MSNBC<\/a><\/span><\/p>\n<\/blockquote>\n

View on Google+<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Or is he being disingenuous (i.e., lying) to actually discredit the basic principle of insurance? 'The fatal conceit of Obamacare is that we’re just gonna make everybody buy our health insurance at the federal-government level, young and healthy people are going to go into the market and pay for the older, sicker people. So, the … Continue reading “Does Paul Ryan not understand the basic principle of insurance?”<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[106],"tags":[],"class_list":["post-133010","post","type-post","status-publish","format-standard","hentry","category-plusposts"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":132026,"url":"https:\/\/hill-kleerup.org\/blog\/2016\/11\/13\/the-inevitability-of-obamacare.html","url_meta":{"origin":133010,"position":0},"title":"The Inevitability of Obamacare","author":"***Dave","date":"Sun 13-Nov-16 10:54pm","format":false,"excerpt":"This is not rocket science. This is not some new, fiendish, cunning twist to the debate. This has been discussed and understood by (serious) analysts of health insurance since Day 1 of the Affordable Care Act discussion.TL;DR: If you are going to prevent insurance companies from discriminating against pre-existing conditions\u2026","rel":"","context":"In "~PlusPosts"","block_context":{"text":"~PlusPosts","link":"https:\/\/hill-kleerup.org\/blog\/category\/blogging\/plusposts"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":132995,"url":"https:\/\/hill-kleerup.org\/blog\/2017\/03\/07\/morphing-the-aca-into-the-ahca.html","url_meta":{"origin":133010,"position":1},"title":"Morphing the ACA into the AHCA","author":"***Dave","date":"Tue 7-Mar-17 11:27am","format":false,"excerpt":"Because that's not at all intentionally confusing ...So reading some analysis of the proposed GOP health insurance plan has been a bit confusing, but a few points stand out:1. Mandates change to \"personal responsibility\" -- Which sounds fine and upstanding and all-American, but ends up inevitably breaking the system (again),\u2026","rel":"","context":"In "~PlusPosts"","block_context":{"text":"~PlusPosts","link":"https:\/\/hill-kleerup.org\/blog\/category\/blogging\/plusposts"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":133360,"url":"https:\/\/hill-kleerup.org\/blog\/2017\/04\/27\/tweetizen-trump-2017-04-27-obamacare-puerto-rico-nafta.html","url_meta":{"origin":133010,"position":2},"title":""Tweetizen Trump – 2017-04-27 "Obamacare! Puerto Rico! NAFTA!"*","author":"***Dave","date":"Thu 27-Apr-17 8:02am","format":false,"excerpt":"I went through everything pretty late yesterday, Donald. What do you have for me this morning?===Yesterday ...\u25ba Democrats are trying to bail out insurance companies from disastrous #ObamaCare, and Puerto Rico with your tax dollars. Sad! [1]And then today ...\u25ba The Democrats want to shut government if we don't bail\u2026","rel":"","context":"In "~PlusPosts"","block_context":{"text":"~PlusPosts","link":"https:\/\/hill-kleerup.org\/blog\/category\/blogging\/plusposts"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":138548,"url":"https:\/\/hill-kleerup.org\/blog\/2019\/04\/03\/the-enduring-fantasy-of-trumps-bestest-ever-beautiful-gop-health-care-plan.html","url_meta":{"origin":133010,"position":3},"title":"The Enduring Fantasy of Trump’s Bestest Ever Beautiful GOP Health Care Plan","author":"***Dave","date":"Wed 3-Apr-19 8:26pm","format":false,"excerpt":"Trump keeps magically saying he can give everyone better, cheaper, more-inclusive insurance. But he never shares the details.","rel":"","context":"In "Elections 2016"","block_context":{"text":"Elections 2016","link":"https:\/\/hill-kleerup.org\/blog\/category\/politics-law\/elections-2016"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/hill-kleerup.org\/blog\/wp\/wp-content\/uploads\/2019\/04\/trump-2019-03.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/hill-kleerup.org\/blog\/wp\/wp-content\/uploads\/2019\/04\/trump-2019-03.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/hill-kleerup.org\/blog\/wp\/wp-content\/uploads\/2019\/04\/trump-2019-03.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/hill-kleerup.org\/blog\/wp\/wp-content\/uploads\/2019\/04\/trump-2019-03.png?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":133003,"url":"https:\/\/hill-kleerup.org\/blog\/2017\/03\/09\/the-inherent-conflict-in-the-gop-health-insurance-plan.html","url_meta":{"origin":133010,"position":4},"title":"The inherent conflict in the GOP Health Insurance Plan","author":"***Dave","date":"Thu 9-Mar-17 10:10am","format":false,"excerpt":"As the article notes (a bit floridly), there is a fundamental conflict between GOP ideology (the rich should not have their income taken away to support the poor; the poor should not be given money that might discourage them from trying to be not-poor) and GOP promises about health insurance\u2026","rel":"","context":"In "~PlusPosts"","block_context":{"text":"~PlusPosts","link":"https:\/\/hill-kleerup.org\/blog\/category\/blogging\/plusposts"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":41232,"url":"https:\/\/hill-kleerup.org\/blog\/2014\/02\/27\/how-obamacare-repeal-would-be-a-cure-worse-than-the-non-existent-disease.html","url_meta":{"origin":133010,"position":5},"title":"How Obamacare repeal would be a cure worse than the (non-existent) disease","author":"***Dave","date":"Thu 27-Feb-14 10:33am","format":false,"excerpt":"How Obamacare repeal would be a cure worse than the (non-existent) disease'Thanks to the Affordable Care Act, this woman is saving about $6,350 this year on premiums, which coincidentally is the most an insurance company can require an individual beneficiary to pay annually in out-of-pocket expenses. In other words, the\u2026","rel":"","context":"In "~PlusPosts"","block_context":{"text":"~PlusPosts","link":"https:\/\/hill-kleerup.org\/blog\/category\/blogging\/plusposts"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/posts\/133010","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/comments?post=133010"}],"version-history":[{"count":0,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/posts\/133010\/revisions"}],"wp:attachment":[{"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/media?parent=133010"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/categories?post=133010"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/tags?post=133010"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}