Prof. Antony Davies: Obamacare Failed

[@Rocketninja200]

The scariest part is that a lot of young people will never know how our system used to be and a lot of older folks have already forgotten. In 2003 I had just graduated from high school. I took a job working in construction. This was a time in which I had the least education and fewest skills of my entire adult life and yet my insurance for a month was the cost of one day's pay. My deductible was $500. At age 20 I injured my hand and needed a surgery. I chose my doctor, who was a well renowned orthopedic surgeon who graduated top of his class at John Hopkins. He operated on my badly maimed hand for 8 hours. It cost me $500 out of pocket and to this day I have no problems with my hand. He was a remarkable doctor. Now we can't choose our doctors and deductibles ranged 4,000 to 6,000. My monthly premiums were never higher than $125 until the ACA became law. If I had to go through that again today I'm not sure I would be able to get the same quality of care.

[@louieluis8840]

Rocketninja200 obama said you can keep your doctor, is that just a misnomer

[@Brandon_letsgo]

Hey, did you have other experience back then? Did you need a procedure or something? If you did, how much did it cost to you?

[@stayswervin554]

Obama did that on purpose he’s a sellout

[@scottmcshannon6821]

@@louieluis8840 its not the truth

[@nicscov]

it's amazing how many people prefer government mandates vs free choice. it's like bullying would be accepted if the masses voted on it.

[@stepanster]

It's amazing that we have government run police, firefighters. And now these liberals want to give people healthcare. Only rich should afford protection and healthcare. Like Jesus said, "It is super easy for rich to enter the Kingdom of Heaven. The richer, the better, really..."

[@louieluis8840]

You missed the exact quote. You forgot the camel and the needle part.

[@DarkMustard1337]

Yeah but this is not government healthcare vs free choice its forcing you to buy in the private market which is awful..but this once right wing proposal did ensure a lot more, wish it went at it a different

[@davidlewis6728]

i.imgur.com/3FmuCWX.jpg not the same thing, but i figured it would be relevant to your comment. it's about gamergate though, not politics. idk why i am here.

[@AaronMichaelLong]

The abortion debate says hi.

[@ledzeppelin1212]

If you think healthcare is expensive now, just wait until you see how much it costs when they make it "free"!

[@hunterzoloman4003]

@Lil PUMP no such thing as free all that funding for medicine comes out of taxes and we may have a large economy but for the past several years it was ran by idiots who make choices by emotion not logic and when we finally get someone who runs the country with logic the people choose to complain about the virus and blame the president so now we are back to the fuck up that is the Democratic Party and if you wanna talk about accomplishments at least we didn’t lose a war to emus or need another country to bail us out of a war

[@natamarley1210]

@@hunterzoloman4003 Yea I have people to telling me trump is taking away "basic human rights" for women, transgenders, and people with pre-existing conditions since he's wanting to stop ACA

[@SandManEXP]

@@hunterzoloman4003 The Germans never took the UK, they resorted to trying to starve us out because they couldn't invade because our RAF was too good. Thats a pretty good acomplishment seeing as they took most of mainland europe. Also where was America from the start. Pat your selves on the back for helping us kill the genosiders. Also why bring this up? Nothing to do with the failure that is US healthcare.

[@hunterzoloman4003]

@@SandManEXP our healthcare isn’t a failure it’s pretty good I’ve heard that people from uk and Canada struggle to get appointments because hospitals are overwhelmed

[@SandManEXP]

@@hunterzoloman4003 You better be able to get an appointment seeing as you go into life changing debt if you fall over. Also the kids dying not being able to afford insulin etc. Its a failure in this sense. Its very laughable from the perspective of europe. Also its not like if you live in a country with free healthcare you can't go private. In fact if you have the money you should. The difference is, in countries like the UK, you have an option if you don't want to spend money that is good. Also i have never had an problem with appointments, I've heard this appointment thing before but i've never acutally seen it play out in real life.

[@chubbyninja842]

Something you touched on very briefly I think deserves much more attention. The ONE thing that the ACA might have done that could have been both constitutional AND effective would be to leverage the commerce clause to prevent states from setting up protectionist barriers around their insurance companies. By opening insurance up to a national market, we could drive down prices without imposing anything upon the insurance industry, or insurance customers.

[@SandfordSmythe]

It's the states that regulate them. I don't think that industry needs more freedom from accountability.

[@Dydreth]

As a former health insurance professional, I can spend _hours_ telling stories about the horrors of the ACA (Obamacare).

[@DarkMustard1337]

Horrors, how?...forcing ppl to pay into the private market would be horrible because most ppl cant afford insurance. the mandate was awful. Private expenses in this country are double that of any country and we have worse outcomes.

[@ayeitsrich805]

I’m intrigued even after 2 years I’d like to hear one ☝️

[@romainlettuce118]

@@DarkMustard1337 you’re an idiot

[@evanes3509]

Tell one story

[@t-point7569]

which one is better. or do you just hate the man

[@garciavashchino1]

I'm not Demo/Repo... I'm for less Gov. Our health insurance is outrageous... and it's in the Govs hands... more evidence to why I feel right about less Gov. Power.

[@jeffreycohen7139]

Don't forget the copays. When you look at some of these amounts it discourages getting the treatment. For example, $750 for a colonoscopy. Also, for self employed the increases are 500% over what we used to pay for premiums for lower quality plans.

[@TReeves80013]

The AFA is just one more milestone along the road to serfdom.

[@MrJr1976]

Hopefully Trump can help us out. He is not in it for the power, he is in it for the good of the country as a whole.

[@fountaincap]

+Mark Jennes Eh, it's hard to separate what Trump would actually do from what he's just saying in order to get elected. He supports universal, single-payer healthcare. Dunno if that's what you want.

[@MrJr1976]

fountainhead He actually is in favor of taking away the restrictions between states and insurance. In the video, he says that an insurance company based in NY cannot insure someone in CA only in NY. That creates a monopoly. Taking that away would create competition and lower prices so more people can afford healthcare. I am not 100% on all the other stuff he has said, but I am looking forward to how many jobs will be created by commissioning the wall. More steel would mean more steel mills. Steel mills in Chicago and Detroit would be reopened bringing more blue-collar jobs back to those cities and subsequently more wealth.

[@hitssquad]

+Mark Jennes > I am looking forward to how many jobs will be created by commissioning the wall Broken window fallacy. You weren't serious, were you?

[@MrJr1976]

hitssquad The broken window fallacy requires something to be BROKEN. Commissioning the wall would be CREATING something. Every once in a while, the government commissions a new project to try and boost domestic production; Golden Gate Bridge, Brooklyn Bridge, Hoover Dam, etc. The Wall would be the largest and unlike the Berlin Wall as many are referring to this one as, it will have many points of access, but only if someone comes here through the proper process. Around Area 51, there is no gate. There are just fluorescent sticks in the ground, and if you cross them, you will be sniped without question. The US does have the ability to protect the border. plus, the wall will only cost $4 billion at most. The Wall is possible: the Wall will protect the US. People will be welcome beyond imagine, but they have to properly come here.

[@NOLAMarathon2010]

The political Left believes that health *insurance* and health *care* are the same thing. They are not. In fact, it's possible that the requirement to buy insurance can make the procurement of health *care* less likely. Why? Because rising deductibles and copays -- in addition to health insurance premiums -- become a disincentive to purchase actual health care.

[@cabrita309]

+Tom Nally deductibles and copays will always be cheaper than an emergency visit. If every one had insurance hospitals wouldn't pass on costs of those uninsured whom can't pay to other uninsured who can pay. So like in immunity theory if everyone had insurance then healthcare without insurance would be more affordable.

[@fraxus]

@Dileon - Ridiculous - US Medical has not been 'free market' since before WW2. 3rd-party payer systems (due to FDRs bone-headed wage caps) prevent efficient competitive market. Then there are patent (monopolies) granted by government and massive regulatory influence from licensing & FDA - all prevent free markets. You are actually arguing that since previous regulated/un-free markets didn't work well, so you want more regulation and less freedom. That is the definition of insanity.

[@fraxus]

Nixon was a bone-head too (pretty obvious) , and NOT a free-market advocate. He created import tariffs (like Trump) and caused the US gasoline shortage during the 1st oil embargo by NOT relying on markets. I am neither a Rep nor a Dem, but the difference economically is that 95% of Dems have crackpot economic ideas and policies as opposed to only 60% of Reps. Nixon was NOT a free-market advocate, not even close, so you've created a strawman. Insurance companies are NOT screwing you over, that is just an idiotic, unevidenced Lefty talking point you've been taught. Part of their biz-hate campaign. If you believe that, then just stop buying insurance and pay out of pocket - problem solved. Health insurance isn't really insurance - ppl expect it to do more than cover emergencies and new disease. If your car is wrecked you can't later buy insurance to cover it, but you do expect health insurance to cover pre-existing conditions = illogical. I suggest you instead try thinking for yourself. Go examine the public SEC quarterly filings for health insurers (and the few publicly trade hospitals) and you'll see they are not making vast profits. The non-profit Kaiser health system commissioned a report that showed that private insurance was modestly more cost effective than public systems like medicare. Had MUCH lower rates of fraud, and made a profit despite paying taxes (unlike Medicare). No one has been "screwed by the profit motive", b/c courts uphold contracts. If they took your money, then the court will make them fulfill the contract. The main HC system problem is that it is NOT a free-market. Your employer or government (a 3rd party) generally determines your insurance contract, you and the employer pay the costs, and you alone receive the services. 3rd party payer systems are garbage (thank you FDR). Then there is the problem of FDA interference and Patent law that makes so much of the service so expensive. REGULATION and market meddling IS the problem.

[@georgegarner1425]

This is why we need universal health care plan

[@ohsunkang1177]

And to add on to that, excessive use of insurance and other third party payers can cause hospitals to charge crazy, insane prices for the most basic services.

[@TheDingus47]

Only coming here because of Kamala vs pence and thank you

[@sirsaint88]

I had private insurance for years since my employer didn't cover families at an affordable rate. Since Obama has taken office my premiums doubled, my co-insurance went from 80/20 TO 60/40, I had to change plans nearly every year, and my deductible went from 2,500 a person to 6,900 a person. I finally had to leave my job and find an employer that provides better insurance. The ACA was awful, and TrumpRyanCare is awful. I'm ashamed of the republicans......we voted for REPEAL....and all they want to do is control our lives still. So much for small government republicans.

[@mikebrowne6080]

Why would you want to repeal it without a fix or replacement? Although cost of health insurance went up (as with everything else) it did slow the down the cost. You would be paying more without it. You said "had to leave my job and find an employer that provides better insurance" so wouldn't that be your employees fault since you found another job with better insurance?

[@shakya00]

​@@mikebrowne6080 No you are wrong in fact the increase of health care cost increase faster since the Obamacare =(

[@skyryder8116]

No where in the AHCA do I see the word insurance. Affordable Health Care Act. What happened to making healthcare affordable, we got side tracked with health insurance and $$$$$.

[@Lacocacolaman]

I had to pay 700 dollars back because of this nonsense. I wish I just took the fine of 300 dollars. How is this even legal forcing me to pay 700 dollars within 2 weeks or face fines?

[@rockhardagain]

So silly, government mandated health insurance should have implemented a non-profit insurance industry. Those choosing private health care should always have that option, but those choosing government mandated insurance should do so in a non-profit environment, where costs are covered, and nothing more. When for profit insurance companies are now receiving government provided clients, but have done nothing to reduce their ridiculous rates, it is obviously more of a racket than benefit for almost anyone but insurance companies and their investors.

[@kingwr12]

+rockhardagain Precisely! If universal coverage was the goal, then extend Medicare/Medicaid to all Americans and increase payroll taxes accordingly to cover the costs. This would have been way more efficient than what they tried to do in Obamacare. I wouldn't have voted for it, but I would have respected that plan as an efficient way of accomplishing the goal. It seems that what we wound up with nobody likes (except Obama because it has his name on it).

[@davelowe1977]

rockhardagain Exactly how it has been in the UK since 1949.

[@louieluis8840]

$2.4B into ill-conceived co-ops. $2B to construct healthcare.gov, $3.5 B to divert from Treasury to Insurance Companies to help cover from losses of Obamacare, $750M in subsidies handed out to more than half a milion people who werent eligible for coverage, $1.5B easily flushed down the drain. And more

[@mitchellbrown5846]

ANTONY DAVIIIIIIIIIEEEEESSSS!!!!!!!!!!!!!

[@DanJen]

The postmortem reveals what many of us knew when this was proposed. None of that is surprising and was, in fact, predicted when the law was "debated" and passed.

[@Kent41A]

The real solution is to outlaw ALL health insurance and switch to direct primary care, so you subscribe to your doctor, not a health insurance plan. We need to demand this from Congress right away.

[@SandfordSmythe]

Like I always say, if we can cut out the poor, there will many easy solutions.

[@sandraarias688]

Americans were switched without their knowledge or consent to Obamacare, leaving sick without health care, and millions broked, others died. Horrible times

[@hershgoel7733]

One thing that need mentioning is the tax favored treatment given to health insurance as opposed to other forms of health care spending. That's also government meddling that's causing this problem

[@lavixl]

I have an employer sponsored plan. Our rates have gone up a lot every year since they let people put their dependents up to age 26 on their plans. This year we could choose between a "Cadillac plan" which has a high premium but required no account management or high deductible plan which has lower premiums but you pay out of pocket more. Either way I feel like I lose more every year and price keeps going up.

[@RocketmanRockyMatrix]

Blame Charles Rangel.

[@KevinSmith-qi5yn]

+lavixl My employer is pretty good with benefits. The benefits they provide is equivalent to 50% of my salary. Personally I would prefer the money.

[@lavixl]

+Kevin Smith Agree there.

[@ladis5090]

Vote for fukin Hillary next time. Shes good at BS like last money

[@ilovejiyeonlee]

I totally agree with the professor. I propose every government program should be open for market competition. First should be national defence. Why should the government monopolize national defence? Let the free market handle it.

[@teencred9430]

Just to be sure I saw this correctly, does part of the bureaucracy of health care coverage include the HMO/PPO systems?

[@estefanomasferrer6828]

My parents health insurance doubled, and employer healthcare either increased or reduced coverage. ACA screwed over 200million Americans allowing Private Healthcare to ramp up premiums. ACA cost more to operate than Private Insurances yet covers a fraction of the population.

[@jerrymander566]

The big problem with the ACA is that it allowed health insurance access for everyone. So now a 70 year old morbidly obese male with two strokes and type 2 diabetes has access to the same health care as a healthy 20 year old male. So insurers raised costs to cover those risks. More payouts for healthcare = higher deductibles and higher premiums for everyone.

[@geekinutopia5899]

Politicians promise utopias, but deliver dystopias!

[@nonyadamnbusiness9887]

I wish this would have addressed the root cause of high priced medical care; the AMA pushing state legislation that severely limits the supply of medical professionals and hospital beds and medicare, medicaid and employer health insurance inflating the demand.

[@joysari4557]

I watched Obama make a speech about the cost and deductibles going down truth is insurance rates all capital ALL went up called having a monopoly

[@wahidhussaini6022]

It would be more useful to see how much health insurance premiums have increased since ACA was implemented, rather than how much premiums increased since way back in 2008.

[@tuppybrill4915]

Good spot. Those costs might have been pushed up in readiness for ACA coming into law we don’t know because he didn’t cover the detail.

[@floetic]

On point to highlight the flaws in implementation of the ACA...would however be good to highlight in more detail potential solutions, since it is well established that the US is more or less the only developed nation without some level of universal healthcare for all, and also well established across numerous frameworks and different institutional assessments, that US health system has some of the worst health outcomes of any system in the world.

[@rehoboth_farm]

I have an idea for a totally different system for medical care. First you have to understand that health insurance can NEVER be a good deal. Think about it. It is insurance. If everyone is getting the same or more dollar amount of benefits from it as what your premiums are then the insurance companies would be forced to raise premiums or go bankrupt. Healthcare providers are incentivized to charge as much as possible for any billable procedure and the customer doesn't normally care. Therefore upwardly spiraling costs. Sure, most people end up just stupidly spending tons of money on premiums and never even seeing a doctor. How is that good? I think that buying a membership plan to a network of medical providers would be much better. Why not pay a membership like a gym membership directly to the people who provide the services? This eliminates the insurance company, coding, billing etc. Perhaps having a catastrophic insurance policy that is paid in as part of your membership might be a good idea but not entirely needed. Perhaps we could eliminate problems like charging $100 for a quart bag of salt water or $50 for an aspirin if it was a membership based system. I see no need for there to be an insurance company between the patient and the doctor. The medical association would still need liability insurance but likely less if they are running on a customer service model instead of an insurance accommodation model.

[@LuckySamuraiGastonia]

Who is the learn liberty party candidate for 2024? I’d like to vote for him/her.

[@proudkinterheart7863]

If I understand this correctly. In brief, after ACA, insurance companies are required to be tied with ACA...meaning people gotta pay for both. Also ACA doesn't reduce competition because insurance companies are fleeing ACA and competing amongst themselves even more...

[@TheRisky9]

You could put an end to a lot of the issues of costs by simply having more transparency in our health care system. It isn't right that no one could tell me how much my routine knee surgery would cost me. There is no other industry where that happens. By comparison, when I went to the dentist with an infected tooth, they could tell me exactly what treatment they recommended, how much it would cost, and what it would entail. And my tooth was arguably more serious then my knee! That's because a dentist is operating like a true free market system. They want to create a better experience and part of that is being up front and honest. The arguments I heard against transparency is "Then people won't go to the doctor." And having surprise bills solves that? It's more likely that people are going to take the information and shop around then it is that they just won't get treated. If I couldn't afford the price quote of my dentist, I could have just taken their low cost temporary treatment then gone somewhere else. Maybe I'd find something cheaper. Maybe I find a dentist who would negotiate. Maybe I'd find one who would take payments. By giving patients the information to make a choice, it would force hospitals to innovate and figure better ways to doing business that is better for themselves and the patient. Maybe now they won't charge you for having "Oxygen at the ready" that they don't actually use. Or they'll charge you only for a doctor's actual treatment instead of him flipping through your charts and giving a ho hum opinion. I just simply do not buy this concept that competition and free market works for everything except health care and health insurance.

[@ledzeppelin1212]

The problem is that a lot of people are bad at making decisions, so they want arrogant politicians to make that choice for them. I'm fine with that, but just let ME make MY own choices!

[@Amon-ez4ti]

Another thing that no one mentioned is that before ACÁ the government would look at your gross and necessary costs of living. For example if you made $1,000 a week the government would take that into consideration as well as how much you pay for rent/mortgage, car payments, food, etc and after all that, THEN they’ll see how much you can afford to pay after paying necessities and say “ok you pay $50 a month” and it’ll cover everything, including optics, dentist, and regular doctors, now with the ACÁ, they ONLY look at your gross, they don’t care if you got car payments and rent, they’ll charge you a percentage off your gross REGARDLESS of necessity costs of living, it’s total BS!

[@Bbbmurr]

it's called fraud

[@DarkMustard1337]

The ACA was once a right win proposal created during the Nixon days, so yeah, I agree if you know the facts.

[@GregoryTheGr8ster]

First, the ACA is actually the Patient Protection and Affordable Care Act. It is meant to protect patients, too. Second, it's much too soon to judge the ACA. Government had to do something, and Obama is the president who finally did something. The ACA is modeled after the Massachusetts system. Guess which state is the *only* state in which everyone is insured?

[@AntonyDavies]

+GregoryTheGr8ster The assumption when we say, "government has to do something," is that whatever it is the government does won't make the situation worse. That government will improve the situation is not an axiom. As to "too soon," there were 90 proscriptions in the Affordable Care Act. As of 2014, 91% of them had been implemented.

[@GregoryTheGr8ster]

Antony Davies The ACA is actually quite similar to the German and Swiss systems. In those two countries, especially Switzerland, the health insurance industries had to be reigned in, or else their greed and profit-seeking would leave almost every citizen at their mercy (just like in the USA). Thus, the governments of Germany and Switzerland had to do something, and they did. However, their health insurance reforms have worked, whereas the ACA still has many holes in it (as is mentioned in this video). What is the difference between them and us? It is that the Germans and Swiss have functioning democracies. In the USA, the Corporate Right has completely subverted our democracy. They still run the show. We need a president who can stand up to corporations and their greed. Only then will we have affordable healthcare for all.

[@AntonyDavies]

+GregoryTheGr8ster The best antidote for greed is competition. In the US, part of the reason insurance costs are high is that the state governments made it difficult for insurers to sell insurance across state lines. This restricted competition. My concern with using the government as an antidote for greed is that the government is a monopoly. Members of government are not merely greedy for money, they are greedy for power.

[@hailtothemischief1176]

+GregoryTheGr8ster The Patient Protection and Affordable Care Act is an Orwellian title meant to give people a false impression of what it actually does in the hopes that people don't look below the surface. Mission accomplished. #2, the ACA has been the law of the land for 5+ years and it is still "much too soon to judge the ACA"? Did you give GWB the same grace period for his policies? #3, Doesn't gov't have a responsibility to make sure the something they do doesn't make things worse? Lastly, everyone isn't insured in Massachusetts. 2% of the population is not covered which translates to 135,800 people. www.cbsnews.com/news/massachusetts-health-care-plan-6-years-later/

[@upsidedown1972]

But at least they were able to keep gaslighting us into not criticizing it or we get flamed to death on Twitter.

[@theondono]

You should put your sources in the description

[@jonathancole3149]

@John Daedalus CNN credible? Hahahaha.

[@jonathancole3149]

@John Daedalus CNN has zero credibility. At the lowest, this channel is on par, as it is impossible to go lower.

[@israela7199]

John Daedalus he’s one of those people who thinks Fox News has credibility, don’t worry about it

[@LaRana08]

did aca benefit people with pre existing conditions?

[@sicktoaster]

The Affordable Care Act may be imperfect, but there needs to be a way to guarantee access to healthcare for people who would otherwise be unable to afford it. It's literally a matter of life and death for a lot of people. A single-payer system would really be better because then we could guarantee access to healthcare more effectively and the overhead going to pay for profits for insurance companies would disappear.

[@uptoyouThailand]

This guy should run for President

[@user-ib6dh5tq2r]

worst thing that happen in American

[@MarkBrown-iw8oj]

Why can't they just provide that just to those that actually need it and let whoever that can afford their own care have their own insurance plans and specialized care?

[@draconusspiritus1037]

ACA was designed from the very start to fail in as epic a fashion as could be contrived.

[@felixrayce7596]

The ACA should have mandated price transparency.

[@unebonnevie]

The politicians are too weak to do that, and, the lobbyists cooked up HIPAA which makes medical cost transparency ILLEGAL! They created HIPAA in the disguise of protecting the patients' medical information.

[@jpozenel]

Hey! We're over here! You're looking into the wrong camera!

[@samsantos3923]

Dr David you only concentrated on the negative aspect of ACÁ , please mention on a follow up episode, the benefits, example people with preexistent conditions where or had prohibitive high premiums for health insurance, or denied health insurance period. Also children under the old insurance plan terminated coverage at 25, ( employer coverage)under Obama care, the coverage was extended to 26 years old . I have traveled to Europe on vacation and they , a developed country have insurance for all citizens, in Canada, Canadians tell me , before they. Enter the US first thing they do is get travelers insurance, “ god forbids something happens to them while on vacationing in the US” Thank you for your video content.

[@ryemccoy]

Yes the pre existing helped my wife get insurance for her rare and potential fatal airway swelling disorder. But at start of ACA her premium was just over $400 and now it is almost $1200 a month. And deductible is huge now. It isn't sustainable unfortunately....it has made everyone else's costs go up too.

[@georgegarner1425]

Bring on universal health care plan and or insurance I support it

[@ricardoh87]

that's exactly what this video is arguing against

[@georgegarner1425]

Ricardo Herrera I know that’s why i made the kind of comment I made and like the rest of your kind you don’t know how the system really works

[@ricardoh87]

@@georgegarner1425 thats the same as the free college bs that Bernie promised, they are all bandaids for bullet wounds, instead of figuring out why things like college and healthcare became so expensive and reverse that, all you're doing by letting government make it free is dumping the already high costs onto the taxpayer

[@IncredibleStan]

@@ricardoh87 it is not. It is simply saying what Obamacare is and how it failed. It did not advocate for any other systems that would be better than Obamacare. Remember he said the government took a high cost and low competition system and put it in the hands of politicians with even higher cost and no competition. Universal Healthcare is the only way because the cost is paid for BY the government, not private insurance where the citizens have to pay

[@IncredibleStan]

@@ricardoh87 The high cost comes from the insurance companies

[@MrB-ko2bt]

IT IS AMAZING, HOW MANY PEOPLE, THINK SOCIALIZED MEDICENE IS A GOOD THING. SOCIALIZED MEDICINE IS ABOUT KILLING PEOPLE.

[@ledzeppelin1212]

The government gets to decide who lives and who dies.

[@rishidhar6499]

Go tell someone who would have lost a loved one but didn’t because of pre-existing conditions coverage that the ACA provides that it doesn’t work. Try it! Not everything is $ and cents

[@Pan_Z]

How rarely a plan in theory and the plan in reality match one another

[@fraxus]

Ant' Davies always makes crisp, clear, informative vids, and this is among the best.

[@fergus247]

Not everyone wants or needs health insurance. If you are young you probably want to save the money instead. To each their own

[@SandfordSmythe]

Young people don't get ill? Who pays for that then? It also effects the insurance pools, and he would have to pay more when he is older when there are only old people paying in.

[@TC-eo5eb]

It is now 2022. 2 million immigrants crossed the order illegally in 2021 alone. Hundreds of thousands of Afghan refugees have arrived in 2021 after the pull out of Afghanistan. None of those people have money, a job or health insurance. All of them will need health care at some point in the near future. Without question, the working class will see skyrocketing health care insurance premiums to cover those who can't pay.

[@Teachsinging]

Thank you for the very easy to understand videos.

[@D4PPZ456]

He's right about the anti-competitive regulations, but he's wrong about the administrative costs of state insurers being a massive problem, they are actually 1/10th the administrative cost of private insurers because they can massively simplify the process due to only having one no-questions-asked coverage plan. State insurance also results in lower medical costs overall because the doctor doesn't have to hire a team of administrators to deal with a multitude of different companies and their individual plans to figure out what a patient is covered for, they can just bill the state on an agreed rate for a particular procedure, which stop the vicious cycle of increasing healthcare costs. The growing competition for private insurers to reduce costs by denying people payouts due to stipulations only accelerates the cycle of increasing cost because it just means the doctors need to charge more due to needing to hire more administrators. The best options aren't private insurance vs state insurance, it's either completely banning health insurance so that individuals pay doctors, or having a state system similar to European countries. The middle ground on this is cancerous.

[@edarcuri182]

But, but but . . . .do you mean there is no free lunch?

[@rehoboth_farm]

Remember when Regan deregulated lending across state lines? All banks incorporated in Delaware and started issuing credit cards at huge interest rates. Before this states protected consumers with usury laws. Deregulation isn't always better.

[@themfu]

Kick ass video. Short and impactful and accurate. Well done! More please!!

[@kyreshlcsw2229]

I love the ACA, and I havn't lost any of my services or dr's.

[@min-k2689]

The problem with medical expenses is due to those entitled and complacent receptionists who gets paid $80k+ without doing anything. I don't care if doctors and nurses get paid a lot, but there are hospital workers that need to be seriously reduced.

[@SandfordSmythe]

$80K? There are two tiers of salaries in healthcare. Clerical people are in the have nots.

[@keithrodgers5010]

The reason for the high cost of health care is the third party payments

[@robertforrester578]

What are you looking at?

[@Jason-ho8wr]

It's simple really. If the other side did it, then it must be a failure, even if your side originally came up with the idea.

[@A2goddess]

Healthcare isn't the problem. The problem is the IRS is ruining our taxes.

[@stevetaxpayer6664]

$1860 per month premium for a family of three for an Anthem PPO plan is not "affordable care." Shame on those that voted for the ACA.

[@Marv9904]

This is a joke and the moderator has no idea how insurance works, either before the ACA or after.

[@justin5368]

The music is really irritating.

[@pimperish666]

Only way anyone can afford insurance under Aca is by going on gov assistance which would require the individual to go on welfare and having the gov inspect their income and tax returns. In other words, rely on the government which no sensible or hard earning individual wants to do.

[@lloydmoore982]

It fail because greed is very hard almost impossible to control,remember preexisting conditions no we don't want you because you are more of a liability instead of assets.

[@joysari4557]

Do you really believe penalizing people almost $1000 a year for not having insurance is in the best interest of people living at poverty level

[@williamvandeusen9262]

of course

[@finerbiner]

I hear lots of yelling and screaming about single payer but am yet to see any alternative that will not limit care and continue to allow employers to control employees lives.

[@KevinSmith-qi5yn]

+Larry Burke There is always the no payer system. Absolutely no government money in the pot at all. Let the consumer be responsible for their own health care expenses. The thing is we can have the same level of care any industrialized nation gets in terms of universal health care purely from what the fed is spending right now. The UK spends $2k per person a year on health care, where as in the US we spend $2.4k per person with just medicare and medicaid funds. The problem is that Democrats are paid for by insurance lobbyists. That's why they proposed the ACA instead of lumping the medicare and medicaid funds. They have no interest in providing universal care or reducing the cost of health care in the US.

[@finerbiner]

Kevin Smith That is too partisan to take seriously.

[@KevinSmith-qi5yn]

So you ignored the entire comment because I explained to you that Democrats are just as much fascists as Republicans?

[@jhespinosa]

" employers to control employees lives." here goes our fredom

[@skyryder8116]

I think the American people need to right the injustice done to us in the supreme court.

[@JayBannerboy]

Republican State Governments wouldn't allow ACA in their states. most of the "insured" have no idea of the "Actual cost" of healthcare (how many know of "The Book of Charges" All hospitals have?), procedures if marketed like what they are (think: plumbers and electricians as trades) would they have prices that vary from one hospital to another in the same area? (var can be upto $500 for a simple x-ray...VARIANCE), Patients regularly toss their fate to Doctors (some have no clue and don't listen to patients), Pharma who sell the same drug over seas (and Canada) for 300x, 1500x, 10,000x more in the U.S. and no consumer backlash, And we don't educate consumers why , what and expected results, so they just accept what a given doctor cals into the Pharm (some drugs are common, and if one went illegal, could buy them on the streets cheaper, than the pharmacy does. How can that happen? So the video makes "boogeyman" of a bill that was watered down by intere$ted parties and bureaucrats (and agreed, a president who lost faith in his constituents who backed and needed this to be good), but haven't seen a better system then, now, or ever in the U.S. The only way to control healthcare costs is where there is a "familiar" comparison model. Don't know what that is? Pickup a Sunday paper with the advertisement for food..

[@fathertime1331]

"Politicians promised us" . . . apparently he removed the word "Democrats" from his vocabulary to satisfy a certain crowd. No big deal. The public gets the gist.

[@justintufono1570]

Father Time Republicans DIDNT AND STILL DONT HAVE A PLAN!

[@necroyoli08]

Father Time, you should realize Obamacare was politically profitable because both republicans and democrats alike (hence, politicians) tore the health insurance market to shit just like they do with everything else; so much more than Dr. Davies removing a word from his vocabulary to favor a target audience, it seems republicans removed certain neurons from your brain for it to blindly service a political party.

[@SandfordSmythe]

It went downhill when he politicized it by talking about politicians. Something for the amateurs now.

[@Bmitic217]

If you want to be fair, Obamacare did one hugely important thing: it prevented insurance companies from refusing to insure you. This happened to me and my wife. I am self employed and before Obamacare, insurance companies flat out refused to insure us, since we came from abroad and they didn't have access to our medical histories. For a few years, I simply couldnt get the insurance, for any money, even though we were healthy and in our 40s... until Obamacare... I agree that prices have gone up, but partially, that was because insurance companies could no longer pick only safe and healthy people to insure... they had to insure sick people, the ones who need health insurance the most. Lets just give it it's due credit. I do think govetnment went overboard by trying to manage ebtire healthcare,..

[@h.mandelene3279]

So the rest of us pay enormously high rates let alone deductables for your priviledge. I guess You're welcome?!?!?!?

[@noahremnek3615]

@@h.mandelene3279 Really? So you think insurance companies allowing people with preexisting conditions on the insurance pool is a bigger driver of healthcare costs than hospitals that charge $60 ibuprofen. You are an idiot. I would dead without the ACA republicans want to kill me.

[@MeVsThevoices]

This is a complete load of crap. Here, Opinion -> facts to support, not facts to support -> opinion. We can have this argument any way we want it, it's remarkably complex, and can be viewed in almost anyway if you cherry pick statistics. Whatever Learn Liberty is, it's not an educational channel

[@AntonyDavies]

+Joshua Dunne Absolutely, the health care topic is remarkably complex. What isn't at all complex is the comparison of what, in 2008, we were promised to what, in 2016, we have.

[@bitshot8043]

I like how the Affordable Care Act was literally Reagan and other 1980s Republican’s plan.

[@dmitrilebedev8635]

That's just fact bending: you say the act started working 2 years ago, but show the statistics for 8 years period.

[@barbdwyer7001]

Did anyone seriously believe ObamaCare was on the level?🤣

[@sairveone7187]

What do you think about the removal or pre-existing conditions, mandating mental and addiction coverage, Removal lifetime max, adding limits on out of pocket max for individuals and allowing overage dependent to stay on parents insurance up to age 26. You don't mention this on your video. I wonder why?!

[@AntonyDavies]

I don't mention these because the purpose of the video is to address the two promises politicians used to sell the ACA (a reduction in the number of uninsured, and a reduction in the price of insurance). The details you raise were proposed means to achieving these two ends, not the promised ends themselves. BTW, the reason pre-existing conditions are an issue is because insurance is tied to employment. The reason insurance is tied to employment is because (1) the government gives preferential tax treatment to insurance purchased through employers versus insurance purchased independently, (2) in the 1940s, the government imposed wage restrictions on labor markets, thereby making employer-paid benefits the only way employers could compete for needed labor talent.

[@benjamindrexler9635]

Nicely delivered line at the end there, but it could use some better language than "incentive" for the effect.

[@guesswho22peekaboo]

Love this.

[@jonhuse95]

The music's a touch dramatic

[@t-point7569]

America promotes LBGTQ. but there is no type of coverage for them or cosmetic coverage

[@kimlaw2425]

If they did it like it was originally written liers!!!!!!!!!!!!!

[@FurryMurry7]

Antony Davies I love your videos! Keep it up! :D

[@psovegeta]

When ever I debated anyone who defended Obamacare, I asked them if they really think government should have the power to even coerce people to buy a service from the private sector, why not use that same power to enforce a price cap on medical services people use the most instead? And don't you dare even say because prices are set by the invisible hand of the free market, lest you sound like an evil capitalist.

[@jorandarholmy2856]

We in norway have a system where you pay high taxes but you get school and medical care for free. wich has led to a high standard of life.

[@erichamilton8952]

No you pay for those your entire life they are not free. And those that never go to higher ed pay for all those that do.

[@jorandarholmy2856]

@@erichamilton8952 What part of high taxes don't you understand? Yes you pay for them your whole life but you don't have any problems if you loose your job you still have healthcare and you get on a welfare program.

[@erichamilton8952]

@@jorandarholmy2856 What don't you understand that they aren't free? As in you pay nothing that would be free. All they've done is make it so it's way less obvious how much you have to pay for those two items.

[@jorandarholmy2856]

@@erichamilton8952 Well you don't pay anything at the doctors office. But in Norway people can afford it. The US has a completely different economic system. Norway loses money on most of its citizens. This is because we have a massive oil industry that is regulated by the government. This is how Norway pays for its welfare system. The U.S. is too large and too poor to adopt such a system. I did not put up the Norwegian system as a competitor to the American one. But the U.S. could use aspects of it.

[@jorandarholmy2856]

@@erichamilton8952 But yes i do agree that a system like this would bot work in the U.S.

[@samkitty5894]

"Healthcare" and "Health insurance" in USA are a joke. Why is it tied to one's job? You lose your job and you lose your insurance. WTF??? Also, why is dental, vision and hearing not included in "Health insurance". Are eyes, ears, and teeth not part of our bodies??? Seriously...

[@aolvaar8792]

The "Hook", twenty years of lower pay buys you lifetime retirement healthcare I chose to do it in my 30's The Employer keeps you. I left $130K for $65K and pension and healthcare.

[@tijojose7966]

Donald Trump wants even more socialized medicine. If you wanted free market healthcare you should have voted for Dr. Rand Paul or Ted Cruz.

[@jonathanpattishall672]

Tijo Jose no he doesn't look at his website

[@SIashinatorX]

Tijo Jose, but wut about gary johnson?

[@joshuabailey2746]

Nothing like getting fined for not being able to afford insurance. Better off just not working and collecting welfare get free medical

[@AaronMichaelLong]

I don't think you can really pick apart Obamacare for failing to deliver affordable health care to everyone, when so much effort has been spent in partisan efforts to resist its being effective or being adopted. Of course, there was never any likelihood it was going to single-handedly eliminate the fundamentals which make health care expensive in the U.S., and we don't have the benefit of being able to compare history to a hypothetical. But, in any case, comparing any policy against a theoretical ideal is sheer folly, and can only serve in the pursuit of rank sophistry. Obamacare got health care for 20 million Americans, outlaws being denied coverage for having a pre-existing condition, reduced the rate of personal bankruptcies, saves money on the Federal budget by cutting waste and fraud. Now if you don't call those benefits, I have grave doubts about your objectivity.

[@Gat0rsUF]

I love these videos and they are usually very informative. However I cannot share this video as I know the response. Why is he showing data about rising insurance costs beginning in 2008. That is 6 years ago before the term Obamacare was even coined. I agree with the premise, but the data is weak in this case.

[@Gat0rsUF]

8 years, math is not my thing :-p

[@AntonyDavies]

+Sean Rowe The point is to compare health insurance costs pre-ACA to post-ACA. A complicating factor, of course, is that the ACA is new so there isn't much "post" data to be had. To further complicate matters, the ACA was phased in over several years, so it is unclear (for example) whether 2010 is a "pre" or a "post" year. I chose 2008 as a point of comparison because that was the year in which the President made the promises. The ACA comprises 90 directives. In 2010, the year the ACA was signed, only 25% of the 90 directives were enacted. By 2014, 91% of the directives had been enacted (the number is still 91% today). So let's treat only 2014 and 2015 as "post-ACA" for the purpose of calculating costs. Here's what we know. In 2008, the President promised that the ACA would cut the average family's health insurance costs by $2,500. In that year, the average cost for employer-provided health insurance was $4,700. The promised $2,500 cut would have reduced the cost of insurance to $2,200. In 2014, the average cost was $6,000, or 2.7 times what was promised.

[@Gat0rsUF]

+Antony Davies agreed, it is hard to show concrete data with such a small sample size. I believe your premise is likely accurate but it's hard to prove at this point. I just didn't like the 2008 data point because the aca had no measurable effect on healthcare costs until 5 years later. Keep up the good work though, do enjoy these videos.

[@duo1666]

There are some issues with this; the affordable care act has succeeded in insuring many more americans than before, and a large portion as to why its still costing more and not insuring as many as it could is because congress et all have repeatedly tried to gut it and managed to succeed in multiple instances so it couldnt function properly. Ontop of that, not all states fully utilize all of the ACA's benefits, making blanket statements like this severely misleading. While i agree the ACA isnt the best option available, its literally no different from what we had before. It doesnt matter that the government has a monopoly, we already had insurance monopolies before hand. We need to be able to do away with insurance companies altogether and just have a single payer plan.

[@DanJen]

+duo1666 Your conclusions are provably false. You're not playing with facts, you're playing with government talking points. But what you say isn't novel. ACA was designed to fail, supposedly proving to the American people that "free market" health care doesn't work and opening the door to single payer. The American people still don't buy it.

[@duo1666]

Fly Fish Nevada What im stating is provably true. Multiple, massive parts of it were gutted out before it was passed, and not all states even use all of it. Thats not "political talking points", thats literally what happened and is happening.

[@duo1666]

Connor Miles ..... It has nothing to do with "typical politicians response", these are literally facts you can check for yourself dumbass.

[@AntonyDavies]

+duo1666 See Figure 2 for the numbers. The fraction of non-elderly uninsured Americans was no different as of 2013 (the most recent survey available) than prior to the ACA. kff.org/report-section/the-uninsured-a-primer-key-facts-about-health-insurance-and-the-uninsured-in-the-era-of-health-reform-what-was-happening-to-insurance-coverage-leading-up-to-the-aca/

[@duo1666]

"The uninsured rate increased leading up to the enactment of the ACA in 2010, particularly during the Great Recession. The recent recession led to a steep increase in uninsured rates from 2008 to 2010 as many people lost their jobs and their access to employer-sponsored coverage.24 Medicaid and CHIP prevented steeper drops in insurance coverage, as many Americans became newly eligible for these programs when their income declined. From 2011 to 2013, uninsured rates dropped slightly as the economy improved and early provisions expanding coverage under the ACA went into effect. In 2013, the uninsured rate among nonelderly individuals was nearly 17%, a level comparable to pre-recession uninsured rates (Figure 2). Still, many uninsured individuals had been without coverage for long periods, often five years or more,25 indicating that their lack of coverage was related to forces outside the recession." This statement really only says that the recession was the primary cause of the mass loss in insurance, and the ACA is related to the time period where people started getting more coverage after the fact. It doesnt really support nor deny my claims at all.

[@rontogunov282]

so what's the libertarian suggestion? also, in theory, the government shouldn't be for profit, so a monopoly by govt may not be as bad as low competition market.

[@AntonyDavies]

+Ron Togunov I believe monopoly by government is worse than monopoly by company. The reason is that, because the people in a company are motivated to seek profit, we can count up the number of dollars the company accumulates and so directly measure the degree to which it succeeds. The people in government are motivated to seek power. There is no unit of measure for this and so they can collect a degree of power that we might find abhorrent if it we had an objective measure of that power. The libertarian suggestion (which you'll see in the video) is for the government to stop doing things that were contributing to the rising cost of health care. Specifically, the government should stop preventing insurance companies from competing across state lines, stop requiring insurance to cover specific procedures (doing so encourages specialists to lobby for their specialty to be included in the required coverage), and to apply the same tax treatment to privately-purchased insurance as is applied to employer-provided insurance.

[@gabethompson3211]

The US system should be compared with other nations rather than a conversation that only includes pre and post ACA. Of course this would not work with the Learn Liberty narrative of government always being bad and free markets always being good so I will not expect a video produced by this lot making these comparisons. A quick google tells me that American health care costs about double per capita than Canadian health care and there are many people that aren't covered. More expensive and worse results. Maybe the bureaucracy is not the problem and the insurance companies and pharmaceutical companies and other private sector entities that use peoples desperation to leverage the money out of their pockets are. Insulin and many other life saving treatments and medication are deeply inflated because of this. Medicare for all would be a deflationary event!!! Just because this guy is articulate and can do a good job of creating an argument does not mean he's right. Don't listen to him and demand medicare for all would be my suggestion for a healthier population with more money in their pockets.

[@excatholicatheist]

Bullshit. I'm retiring early. Without the ACA I would have no insurance. With the ACA I have isurance at a CHEAPER price than I was paying thru my employer plan. Nice try.

[@LearnLiberty]

But what if the amount you paid in taxes will be more than the profit you make from it?

[@excatholicatheist]

@@LearnLiberty Nope. Republican trope that isn't true. Most people will be FAR better off with national healthcare than now. The wealthy might pay more. We spend 17% of GDP on healthcare and get worse outcomes than other industrialized nations that spend far less. And it's not about lifestyle, another Republican trope. Everyone is covered, lose your job, still have healthcare. No one goes bankrupt due to medical costs. I have traveled extensively in Europe and never once have I met anyone who wants to have the "system" we have. I have a good freind that lives in France. makes the same as I do and his marginal tax rate is nearly the same as me. I was denied major med once before Obamacare bc of pre-existing conditions. As messed up as the ACA is, it is far better than without it. I'm still waiting to see the "repeal and replace" plan Republicans have

[@LearnLiberty]

To have a free healthcare system sounds attractive. People like when they get things for free, but we all should realize that nothing is free, and we have already paid for such things. Also, universal health care is unfair because everybody pays for it, but it isn't necessary and valuable for everyone. The USA, like other counties, can have a way more effective model.

[@excatholicatheist]

@@LearnLiberty First of all, it's not free .We pay for it collectively with our taxes. Another Republican trpe. you apparently have al ot of them. Maybe reading right off the Faux News Republican cue cards. I'd love to hear what your "plan" is. Every single person I've ever spoken to in countries with a single payer system would NEVER want to switch with our "sytem". We spend 17% of gdp on healthcare yet have worse outcomes than countries that spend 10%.

[@LearnLiberty]

While the government makes something, there will always be low output. If we want to increase the role of this sector in GDP, the private sector should get involved more. To my mind, it will be better to have fewer taxes but to pay for everything (healthcare, insurance) by ourselves.

[@americanpatriot9155]

So just like Obama, what you see is not what you get.