If the smaller drug companies can come up with generics at a much lower cost than the big boys, why not allow them to compete? If the goal is to make the system more efficient, why are we allowing the big drug companies to hold back the companies that are actually efficient?
The legislation that proposed including advanced directives said that they are not mandatory. All it says is that you can bill your insurance for time you spend discussing end-of life options with your doctor and other healthcare professionals. Is an
optional fucking consultation, you choose whether to have one or not
. FUCKING FUCK, when will you rightwingers understand this?!!!!
Anyway, said directives will help hospitals and doctors from legal battles, and it will make the end-of-life care process more efficient.
As far as premiums go, your premiums are currently inflated because you're paying for those uninsured who go to the emergency rooms and have their services billed to indigent care. So having something outside of private insurance and the hospitals themselves to pay for this care will lower premiums. Granted, that money will still be coming out of somebody's pocket in some way or another, but it won't be an
added cost.
http://hosted2.ap.org/APDefault/8ef5...a9ef5f12d43979
[article]
The budget office concluded that premiums for people buying their own coverage would go up by an average of 10 percent to 13 percent, compared with the levels they'd reach without the legislation. That's mainly because policies in the individual insurance market would provide more comprehensive benefits than they do today.
For most households, those added costs would be more than offset by the tax credits provided under the bill, and they would pay significantly less than they have to now.
The premium reduction of 14 percent to 20 percent that Obama cites would apply only to a portion of the people buying coverage on their own — those who decide they want to keep the skimpier kinds of policies available today.
Their costs would go down because more young people would be joining the risk pool and because insurance company overhead costs would be lower in the more efficient system Obama wants to create.[/article]