No that is a huge failure. That is perhaps the biggest failure of Obamacare.
That means I, as someone with healthy lifestyle habits, has to pay largely the same premium as someone who smokes, is obese, and doesn't exercise. And sure enough, life expectancy in the US immediately stalled after the law's implementation: https://www.macrotrends.net/global-metrics/countries/usa/uni.... Exactly what economics would predict would happen.
And what if you, despite being healthy, get diagnosed with cancer right one your employer fails, thus becoming uninsurable? This type of thing happened to people.
It’s nice the above can no longer happen. You could, at the same time, still allow insurers to charge a premium to smokers and obese and for other lifestyle risks within one’s control. They are not mutually exclusive.
The entire system of linking health insurance to one's current employer is bad. I should just be able to buy it with money I earn from doing anything that pays me, just like I do with my car insurance or any other type of insurance.
Look at this Ubermensch that will never have a stroke, develop cancer, or any number of debilitating conditions. Must be nice!
It is the basic duty of every human to do their best to make sure every other living human is afforded a life of simple human dignity. Full stop. We have the resources. Let's just do it.
Sadly we do not have, and will never have, the resources to help everyone, even to a baseline of human dignity. Surely we can't give people unlimited talk therapy, MRIs, and cancer treatment for free. But some people sorely need these things.
Preventative/propylactic care is orders of magnitude cheaper than treatment once a disease has manifested. It makes sense to me to punish people for not doing this care, thereby choosing to impose more strain on an already overburdened system.
Note that GP only mentioned things we have control over -- exercise, weight, not smoking. Of course I agree that it would be cruel to disadvantage pre-existing conditions.
That's the point of insurance. It's the idea that everyone pools together money and when something bad happens to one person, its finances are mitigated by the input of others. Some will benefit more and others benefit not at all. But no one can predict who is on what end.
Yes, if everyone gets cancer at the same time then Health Care is boned. But then again, so is society. So why worry about that worst case scenario?
>Note that GP only mentioned things we have control over -- exercise, weight, not smoking.
We couldn't pass laws to help control what companies put in food, and failed to subsidize healthier food options. I wish you the best of luck with healthcare trying to pull off that endeavor with punishments for obesity. I'm guessing it wouldn't be poolitically popular.
> Sadly we do not have, and will never have, the resources to help everyone, even to a baseline of human dignity.
This is really a matter of choice. There is a level of treatment that most people could have with far less friction. We just have decided to organize our economy otherwise.
Broadly, we need to stop seeing our economy as a zero sum game. It's dehumanizing. So what if there are a few bad actors that abuse the situation? Most don't. If everyone is doing something harmful, eg smoking, then we need strong public education, etc.
Does every other country have a boarder that "allows" millions of people in every year? These EU countries are tightening hard on immigration as they have found that it crushes their social nets. Not to mention keeping defense spending adequate relative to allies.
Immigrants are easily exploitable labor. They aren't sucking up our resources. If anything, we're sucking up their resources.
I live in Texas. Look around me. Who's building these 500,000 dollar homes? Not fatass white people. And who is buying them? Not the people building them.
Several million people migrate to EU countries from outside the EU every year, yes. The number will be lower than a million for most individual EU countries, but then the individual countries also have smaller populations than the US.
> That means I, as someone with healthy lifestyle habits, has to pay largely the same premium as someone who smokes, is obese, and doesn't exercise.
Do you live a healthier lifestyle than every single other person in your insurance plan or are you just a hypocrite who’s decided the line is acceptable when it includes you, but not one inch beyond that?
The obese and smokers actually cost less because they die early vs healthy people who live a long life and need a lot of care when they're aged.
"Smoking was associated with a moderate decrease in healthcare costs, and a marked decrease in pension costs due to increased mortality." https://bmjopen.bmj.com/content/2/6/e001678
The UK did a study and they found that from the three biggest healthcare risks; obesity, smoking, and alcohol, they realize a net savings of £22.8 billion (£342/$474 per person) per year. This is due primarily to people with health risks not living as long (healthcare for the elderly is exceptionally expensive), as well as reduced spending on pensions, etc..
This is despite no-one paying (directly) for health care.
Would you be willing to submit to invasive investigations into how you live to identify any risk factors you have (both under your control, like choosing to drive, international travel, and not under your control, like genetic predisposition to heart disease) to ensure your premium can be accurately calculated?
Blaming people for their illnesses is something we have historically gotten wrong a lot, and regardless, it’s pretty inhuman as a society to leave people to suffer and die because they can’t afford healthcare.
> Would you be willing to submit to invasive investigations into how you live to identify any risk factors you have
To be fair, there are insurance policies (at least in the UK) which give you discounts if you drive "safely"[0] or health insurance that rewards you for "being active"[1].
[1] https://www.vitality.co.uk/rewards/ "you earn Vitality points by getting active or attending your health check-ups [...] rewards, including a reduced excess and lower renewal premiums"
Example 1 is car insurance, not health insurance, so not really apples to apples. Being able to drive is not the same as being able to access healthcare.
Example 2 is private healthcare insurance, which does exist in the UK, but only about 10-15% of the population have it, and it's mostly about getting access to healthcare provision faster. These private providers can of course do what they like, same as in the US, with the caveat that everybody is entitled to free, comprehensive healthcare through the NHS if they don't have private healthcare insurance.
However, folks that can afford to sometimes like to skip the queue.
It's worth noting I suppose that the UK has significantly more in the way of 'sin taxes' than the US. For example, tax on cigarettes is 16.5% of the retail price plus £6.69 ($8.73) on a packet of 20, meaning on average cigarettes retail for around £15 (~$20). This compares to the US average of somewhere around $3 tax and retail of around $10 (varying based on state).
It's more complicated to calculate for alcohol, but again, the UK taxes alcohol more heavily than the US.
This additional tax revenue helps to fund the treatment of those who use those substances (although to be clear, it doesn't cover it fully).
I would be very surprised if taxes on tobacco did not cover the increased costs to the State from tobacco users. When I last looked at it tobacco users were dying early before they imposed huge costs on the State during their old age years and this produced an enormous saving to the State. This was ~20 years ago and we might be much better at keeping people alive and this has changed the calculus.
However, net cost to the state when you factor in inability to work, etc is estimated at twice the tax revenue.
Your point that smokers die younger and so cost the state less is a contentious topic with lots of debate. One thing that is clear is that tobacco firms are actively pushing that narrative, which, given the industry’s history with regards to data and studies like this makes me instantly suspicious: https://www.wsj.com/articles/SB995230746855683470
> it’s pretty inhuman as a society to leave people to suffer and die because they can’t afford healthcare.
this is mostly about drawing a line between the tradeoffs of costs and the benefits of increased lifespan and better quality of life. almost no-one actually believes all of societies resources should be committed to healthcare to achieve some small marginal health gain. claiming people are inhuman because they want to draw the line differently is messed up.
That’s a fair point. But whether a person lives or dies should not be a function of their income.
The NHS for example today doesn’t spend infinite resources on any individual. In some cases, the decision is that the cost of treatment is not justified by the benefit.
Whether someone is a smoker is a factor in that decision: how much longer they may live, their expected quality of life. Also their lifestyle is taken into consideration when determining the order of a transplant list, etc.
But the decision is never made based on their ability to pay.
I remember being denied coverage after aging out of my parent's healthcare plan. The cited reason was "pre-existing conditions", which were allergies and a congenital cleft lip and palate (I had a number of corrective procedures as a kid). I was a healthy and relatively normal young adult.
Life expectancy flatlining could be any number of things. Correlation != causation
Way too many examples to list all of them, but here is the easiest: Mamdani used the phrase "seizing the means of production" during a live streamed conference of the Young Democratic Socialists of America in February 2021.
Firstly, that’s not a policy, and secondly, if seizing the means of production just means supporting labor-owned businesses, it’s not communism. The version of communism that people point at is government-controlled means of production topped with authoritarian policies. Mamdami is not even close to that.
The fact that people aren’t considering economic ideas outside of capitalism is fucking absurd. Capitalism is not fundamentally capable of incentivizing humans over money.
We have some massive problems that aren’t going to get better by bowing to monopolies and cutting taxes for the wealthy.
If you’re a capitalist upset by seeing slightly socialist preferences in voters, feel free to make capitalism work better. Which typically includes borrowing socialist policies.
It’s not rocket science, if a pretty sizable chunk of the population is getting absolutely screwed by our economic system, expect them to vote for people who want to make it better.
Maybe I wasn't clear. Let me try again. Many of the policies behind the ACA had long been championed by Republicans, or even originated in conservative circles. For example:
1. The individual mandate was something the Heritage Foundation (a conservative think tank) originally came up with back in the 80s, and was presented as an alternative to Clinton's healthcare plans in the 90s.
2. The state-based exchange system was something already present in some red states like Utah, and the concept is very similar to Republican proposals (again) back in the 90s. (This shouldn't be surprising: conservatives tend to prefer that states administer programs like these. Not a criticism; just noting a tendency.)
3. Much of the ACA's framework is similar to Republican Governor Mitt Romney's healthcare reform in Massachusetts from 2006.
Sure, there are parts of the ACA that Republicans genuinely didn't support (e.g. Medicaid expansion, high-income-earner tax increases, requiring insurers to cover contraception). But big, fundamental parts of it were similar to or exactly like conservative healthcare reform plans that had been proposed over the past couple decades.
The only reason I can see to explain why Republicans so vehemently fought and voted against the ACA (and have subsequently repeatedly tried -- and failed -- to repeal it) is because they didn't want Democrats to get credit for enacting it, and once it became "blue policy", it was automatically capital-B Bad to them.
It's also telling that Republicans have failed so miserably at repealing it (though they have done it damage). That's because they have no alternative... because the ACA is more or less what they wanted in the first place.
Actually come to think of it a very similar pole reversal happened in Canada with the "Trudeau/Liberal Carbon Tax" -- a program originally proposed by the British Columbia Conservative Party, first implemented in Alberta by a Conservative Party and proposed federally by Stephen Harper of the Federal Conservatives.
Yup, that's a huge reason why I think all of this is just petty bullshit from the GOP. Granted, even though Romney is a Republican, that doesn't mean that every other Republican has to agree with him.
While Romney has said a lot of mixed stuff over the years about the ACA, starting with pledging to repeal it during his 2012 presidential campaign, his more recent rhetoric has softened by orders of magnitude, voting against some of the repeal efforts, voting in favor of some modifications, expressing the need for a replacement plan before repealing it, and acknowledging that repealing it would cause millions of people to lose coverage. I don't agree with his position overall, but I think he's been a fairly "reasonable Republican" about it, including his belief that this sort of legislation belongs at the state level and not the federal level.
But there are plenty of Republicans in the House and Senate (more in the House, I suppose) that just seem rabidly, irrationally anti-ACA. Even while chanting "repeal and replace", they seem to forget the "replace" part of it.
Republican voters seem irrational as well: while opposition to it has softened since the Obama years, it's still pretty high (~70% or so), but you get weird effects. Like if you refer to it as "the ACA" instead of "Obamacare", Republicans don't hate it as much. Or if you don't mention "Obamacare"/"ACA" at all, and instead take a bunch of parts of the law and ask if they support them individually (like "do you support requiring coverage for pre-existing conditions?"), you see less opposition, and even see a majority of Republican voters supporting some of its provisions.
where's the raid on drug sellers, distributors or human trafficking. Avg people trying to make living getting arrested right at court's doorstep is not crackdown on crime by illegals.
some guy working 8-12 hours shift, has family and participate in community programs is suddenly getting deported to nowhere is making America safe again ?
This looks more like making lowest white people better than everyone else
This group is well known for bias, over and over through the years. Nothing they report should be taken at face value.
"A considerable amount of financial support for the Center comes from labor unions: According to federal reports, over the last 15 years it has received nearly $1.2 million in labor funding."
"The IRLE’s highest-profile researcher is Michael Reich, who co-chairs its Center on Wage and Employment Dynamics. Reich made a name for himself at a young age co-founding the Union for Radical Political Economics, with the stated goal of supporting “public ownership of production and a government-planned economy.”"
This group is well known for bias, over and over through the years. Nothing they report should be taken at face value.
"A considerable amount of financial support for the Center comes from labor unions: According to federal reports, over the last 15 years it has received nearly $1.2 million in labor funding."
"The IRLE’s highest-profile researcher is Michael Reich, who co-chairs its Center on Wage and Employment Dynamics. Reich made a name for himself at a young age co-founding the Union for Radical Political Economics, with the stated goal of supporting “public ownership of production and a government-planned economy.”"
Well unions are not for profit so even if they funded a study they don't have as strong incentives to influence the study's outcome. That's different from when the study is founded by for profit entities. No?
This is based on my very quick reading of the studies so take with grain of salt. The NBER study (OP) studied the entire fast food worker industry using data from BLS, whereas the Berkley study cautions against using BLS because it applies to the entire industry. The $20 minimum wage requirement only applied to fast food workers who work at limited service restaurants with 60 or more chains.
If your concern is only for who the $20 minimum wage was supposed to affect, then there was likely no decrease in jobs based on only that data. However, since causes have effects on more than one intended group, it's very likely that the $20 increase did reduce employment overall and the Berkley study was very careful to downplay that data as not being useful for the purposes of their study, even though they are related. The effects on one part of the industry can affect the rest and to ignore it is a questionable choice.
A hamburger is at McDonalds is $1.89 in my area, a McDouble is $3.29. The double cheeseburger is $3.99. What they call the "daily double" which is a silly name for a hamburger with the works is also $3.99.
I don't think using the basic burgers is a bad choice since specialty burgers probably don't compare well across chains.
"Paul Pelosi, 83, sold 30,000 shares of Google (GOOGL) stock in December 2022, just one month before the tech giant was sued over alleged antitrust violations."
> Since the laws preventing members of Congress from trading on information they receive as part of their duties, you can't say that the Pelosi's have violated any securities laws.
That means I, as someone with healthy lifestyle habits, has to pay largely the same premium as someone who smokes, is obese, and doesn't exercise. And sure enough, life expectancy in the US immediately stalled after the law's implementation: https://www.macrotrends.net/global-metrics/countries/usa/uni.... Exactly what economics would predict would happen.