musclmed saidSee the other thread. Hands down it cost more to treat older people. You can argue about the fact people paid into medicare. But medicare for most kicks in at 65. Still it cost alot more to treat 45+ group.
The ACA is setup to subsidize the 45+ group. If we were to charge people by the average OOP spending in that group Young people would be running to sign up and the older people would be in the same situation they are now.
Oh look, you tap danced that down to under 65.
Well duh that it costs more. But there's less aged people since people have a tendency to die and so you can't just look at the totals but must look at per capita to get an idea of who should pay what into the system. That's why I provided the per capita spending. And by the time we age, we've been paying into the system our whole lives. Not just paying into Medicare, but also paying into private pools of insurance that we likely didn't utilize during our time paying our premiums either privately or through our employment.
Also, over 65 aren't being subsidized like someone under 65 sans employment insurance might, because by then, if they've paid into Medicare, they receive the benefits they previously paid for (plus many have supplemental--paid out of their SS, which they also paid into all their working lives).
I reread your previous post here and your latest posts on the other insurance thread and I think I see where your thinking might have fucked up.
musclmed said...The data you posted is about PERSONAL spending per capita. Not total spending per capita...
Which I suspect you erroneously decried--and from there extrapolated from your imagination, not from data, all the other crap spewed in the other thread--simply because the heading of the data I provided said: "Personal Health Care Spending by Age Group".
Fucking hysterical (though you might not find this as funny).
Nooooooooo. Personal Health Care Spending is not the money they personally took out of their pockets just because the data used the word "personal"; rather, if I'm reading this right, it is the health care dollars spent on their personal persons. Do you seriously think that on average, each 85 year old had a spare $25,600 for their medical? I doubt that. I'd be surprised if they had that much just to live on. Well let's just look that up...http://www.aoa.gov/Aging_Statistics/Profile/2011/docs/2011profile.pdf
"The median income of older persons in 2010 was $25,704 for males and $15,072 for females
Since there are more females remaining in older ages, the following number is an over estimate, but just taking the average of those two numbers. So their avg income is $20k yet you state they take $25k out of their PERSONAL pockets just for medical, never mind housing and food. Bullshit.
And as to the bump shown in the per capita "personal" (haha) spending I previously provided, I'd suspect much of that was due to nursing home care so let's just see if the data indicates that correct (from the same source as above):
"A relatively small number (1.5 million) and percentage (4.1%) of the 65+ population in 2009 lived in institutional settings such as nursing homes (1.3 million). However, the percentage increases dramatically with age, ranging (in 2009) from 1.1% for persons 65-74 years to 3.5% for persons 75-84 years and 13.2% for persons 85+. In addition, approximately 2.4% of the elderly lived in senior housing with at least one supportive service available to their residents.
Well surprise, surprise, it coincidentally corresponds pretty much precisely.
This is why I don't even care much for chatting in the News forum. You guys just make shit up out of the thin air in there and then run with it.
And here's why you fuck up, because you're not honest about your thinking as exhibited in your suggesting to me that I should fudge my income numbers just to get a stupid fucking subsidy as if I didn't have more integrity than that. And I'll go even further to suggest you attacked me here with bullshit because I called you out on your suggestion that you thought I shouldn't play this game with honor.
All very revealing of your own character. So typical of the thinking of the right. You might wanna work on that.