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The Truth Behind the Affordable Care Act - Learn Liberty

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The Affordable Care Act (popularly known as “Obamacare”) promised to lower costs and give everyone in America access to health care coverage. 6 years later, has it lived up to its promises? Learn More: http://www.learnliberty.org/ Watch more Learn Liberty videos on health care technology, policy, and entrepreneurship — plus get a free, on-demand video course. http://www.learnliberty.org/health-care/ Did the ACA get you covered or not? Have your own health care bills gone up or down? Check out more of Dr. Davies’s research on http://mercatus.org/antony-davies For more videos about where we’ve been and where we’re headed in health care, check out http://learnliberty.org/health-care We’ll also be holding a livestream tomorrow (3/24) at 3:00pm (EST) on our Facebook page (https://www.facebook.com/LearnLiberty/) with Dr. Robert Graboyes. How do we fix the current problems in our health care system to create better care for more people at lower costs? Be sure to tune in to ask your questions about the economics of health care! SUBSCRIBE: http://bit.ly/1HVAtKP FOLLOW US: - Website: https://www.learnliberty.org/ - Facebook: https://www.facebook.com/LearnLiberty - Twitter: https://twitter.com/LearnLiberty - Google +: http://bit.ly/1hi66Zz LEARN MORE: From Fortress to Frontier: How Innovation Can Save Health Care (video): How can we accomplish the real goal of health care reform- better care for more people? Robert Graboyes explains the solution is simple: unleash innovation. https://www.youtube.com/watch?v=z4GCQ3bGzcI Health Care by Learn Liberty (website): Your one-stop shop for resources about liberty and health care such as blogs, videos, and more. http://www.learnliberty.org/health-care/ Doctors on Demand (video): Scholar Adam Thierer explains how freedom to innovate can lead to better, more affordable health care for all. https://www.youtube.com/watch?v=UWnzz... America’s Health Care System (online program): Join John Ammon, MD, Jeffrey Singer, MD, and Prof. Bob Graboyes for an On Demand Program exploring the history of health care in America, the current policy issues the industry faces, and possible solutions. http://www.learnliberty.org/course_de... LEARN LIBERTY Your resource for exploring the ideas of a free society. We tackle big questions about what makes a society free or prosperous and how we can improve the world we live in. Watch more at http://bit.ly/1UleLbP
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Текстовые комментарии (228)
Mike (10 часов назад)
As of this comment (today) the ACA / Obamacare was declared to be Unconstitutional by a federal judge ...it took them 8 years to figure out the obvious.
Raymond Plouffe (9 дней назад)
Here are articles Americans should print and read. http://midimagic.sgc-hosting.com/helthcar.htm http://midimagic.sgc-hosting.com/covwrong.htm http://midimagic.sgc-hosting.com/hellcare.htm
Stepan Mulyar (22 дня назад)
Right wing propaganda.
rose smith (1 месяц назад)
I know I talk to much, anyway my take on this whole thing has nothing to do with making sure we are all taken care of. those at the top could care less if you have health care or not, they wantmore power, more money to keep, hence you will get nothing in the long run. it all adds up to power grab. nothing to do with justice or fairness or helping the less fortunant, in fact I would meander a guess that much of what they do, the regulations, laws, taxation system is about creating hte problem for you so they come to the rescue to save you. ever watch the old wild wild west show? there is a episode where dr loveless does just this, he deliberatly created a blight on the food producting plants and caused massive famine to the indians, then he came to their rescue claiming he wants to only help, but the reality is he was doing a power grab, he wanted to be served, he wanted control to enact his own selfish agenda.
james votaw (1 месяц назад)
It's cheaper to put your money in an investment or high interest rate savings account not one of those health care cost accounts a regular account for any expense . Then just pay the doctor directly they have their own separate payment system where you pay a partial amount then you pay a monthly fee the faster you pay it the better . This boosts your credit as well . Insurance only helps if you use medical services a lot like if you are seeing a doctor every other day . In which then you only have a few months to live anyways if you are that sick let the lord come and get you .
james votaw (1 месяц назад)
I did this at the dentist I had a treatment that costed about 400 I paid 200 upfront then 25 a month . It shot my score up to 725 from no credit score and my limit went up as well . Because they don't use the standard credit limit table it is usually higher than the one you'd get from a regular credit card . Like a regular credit card starts at a limit of 300 . Theirs started at a 2000 limit .
Trent Petersen (1 месяц назад)
Conrad Gifford (2 месяца назад)
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.
8TK8 guy (2 месяца назад)
Robert Forrester (2 месяца назад)
What are you looking at?
First Name Last Name (3 месяца назад)
I find it unusual that these figures go directly against figures taken from multiple other sites including the CDC and us census bureau as well as my own experiences... I'm skeptical.
ELK (4 месяца назад)
#1. Obamacare has nothing to do with health care because we really fail to have a legitimate health care system in America. Instead, we have a disease management system whereby Doctors, etc. only make money when you are sick. Obamacare did nothing to address the lack of legitimate health care in America. This is the first scam. If we had a legitimate health care system then any American could go see the health care provider of their choice without being forced into the AMA brand of modern medicine which focuses on disease management via expensive surgical procedures and toxic synthetic pharmaceuticals which both result in the levels of iatrogenocide that we have seen in America each year for far too many decades. Not only that, but with the proliferation of many health care alternatives outside of the AMA brand of disease management prices would accordingly fall as the markets open up and patients choose alternatives. #2. What is affordable about it? And this is the second scam of Obamacare. But this will also be it's undoing because it's become unaffordable and therefore unsustainable.
wulfina moon (4 месяца назад)
I hope he does one on why the republican won't say nyet to trump who said he would think about handing an American diplomat and a journalist (Browder) over to putin wants the journalist dead.
wulfina moon (4 месяца назад)
I love the ACA, and I havn't lost any of my services or dr's.
wulfina moon (4 месяца назад)
everyone would have car insurance-oh wait they do. The republicans tried to strangle it, even though it worked. The republicans added a 1.5 trillion dollars to our tax burden, nice.
Mike McDaniels (5 месяцев назад)
The problem is built into the system. WHO shops around for a Hospital? Who shops for low prices for medical procedures? The only way to do this is to Tax Everyone, like Social Security. That is a national system. Everything else won't work.
C N9 (5 месяцев назад)
Barry Soetoro (aka Obama) ADMITTED that the reason for OBAMACARE was to take advantage of young, healthy ILLEGAL ALIENS!!! He THOUGHT that by these illegals all jumping on to his supposedly AFFORDABLE healthcare, that THEY WOULD COUNTER-BALANCE OUR FAILING HEALTHCARE SYSTEM! BUT- WHEN CHEAPSKATE ILLEGALS REFUSED (only approx 1% buying into it), THE AFFORDABLE HEALTHCARE SYSTEM CRASHED SO, NOW WE PAY FOR HIS BLUNDER PLUS, “WE THE PEOPLE” ALSO HAVE TO PAY FOR THE ILLEGAL ALIENS CARE It’s TRUE....
George Garner (6 месяцев назад)
Bring on universal health care plan and or insurance I support it
George Garner (6 месяцев назад)
Part of this is true and then there's parts thats not mentioned most of the Republicans and a few Democrats screwed this up and we the consumer get left holding the bag
ilovejiyeonlee (6 месяцев назад)
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.
Jay Bannerboy (6 месяцев назад)
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..
Ladi Puriwal (7 месяцев назад)
And I cant cancel my insurance... it's like communism
Chen Sun (8 месяцев назад)
This is a poorly produced document. There are many accusations that can be made against the ACA, but all that the commentator can come up with is that the federal government can come up with another bureaucracy later? What about the 50 bureaucracy layers at the state level? For example, the federal Uniform Commercial Code replaced much of the prior state-by-state commercial laws, and the Uniform Commercial Code helped create the USA economy miracle. The video also doesn't analyze benefits versus costs and inflation and baby boomers' aging, in the calculations on increasing insurance costs. Poor quality.
Luke Koutures (8 месяцев назад)
worst thing that happen in American
fraxus (10 месяцев назад)
Ant' Davies always makes crisp, clear, informative vids, and this is among the best.
psovegeta (10 месяцев назад)
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.
Father Time (10 месяцев назад)
"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.
jimmy Faust Jr (10 месяцев назад)
Just let our taxes take care of our health and education. Simple as that.
Justinian I (10 месяцев назад)
Just go full Canadian. Works pretty well for us.
largol33t1 (1 месяц назад)
Dean Cutler, you mean a body bag.
big bad papa bear (3 месяца назад)
Dean Cutler no actually we don't. We've spent more tax dollars on that
Justinian I (7 месяцев назад)
I'm not going to deny that we have to wait longer, but at least we are guaranteed treatment, you guys have to dish out thousands of dollars and risk your financial security, and as a result we have higher a life expectancy, and lower child mortality rates.
Dean Cutler (7 месяцев назад)
Lol yeah wait 4 months to see a specialist or get an MRI, great. Go to the ER? Bring a sleeping bag.
Justinian I (9 месяцев назад)
Ostap Kurtash (11 месяцев назад)
You should run for president.
Behfar Bastani (11 месяцев назад)
Kick ass video. Short and impactful and accurate. Well done! More please!!
Stan Taylor (11 месяцев назад)
A MODEST PROPOSAL for Republicans to reform the health care system and provide many new benefits. This is a reasonable alternative to a single payers system or the ACA act. 1. Repeal Obamacare and the expansion of medicaid. 2. Stop paying for the uninsured and Illegals by the government or insurance companies. 3. Make sure all people get appropriate treatment. 3a. If a person cannot pay for the health care at the hospital they receive alternative treatment. they are transfer him to the euthanasia ward for a quick and painless death to end their and the families suffering. 4. A panel of Insurance company Rep would decide who can afford regular treatment. Note this is a life panel, it picks out who will live. 5. This plan would have a no negative cost since the organs of the euthanized would pay for the wards and treatment. Positives are The taxpayer are not stuck with the bill It would reduce the takers in society Everyone would be treated. Relieve the pain and slow death of the ill. Quicker treatments at the ER. All patients would have a sense of closure. Live expediency would increase (natural deaths). Provide organs for those in need of organ transplants The government would be out of health care and benefit the givers of society. A huge cut in health care expense to society and the government, Big tax cuts and lower insurance rates Much better health care for those that receive it. Finally a channel that supports my free enterprise solution thank you.
Curt Christensen (11 месяцев назад)
if a private company gave as little care at such high cost as aca, they would go to prison. so why can govt get away with it?
rabbitskywalk3r (11 месяцев назад)
Wow.. the last sentence sounds like pure propaganda to me. There are so many countries in the world where universal healthcare WORKS because of well informed governments that DO have the incentive for a broad healthy population because this is what keeps an economy going. But if you sabotage it like it was done in the U.S of course it doesn't work like it is intended to be... it is really sad that you already sold your goverment to lobbyist on a scale that your government became just too weak to successfully install a working system like that.
Sam Collins (11 месяцев назад)
Pro business Canadian here. Still love cdn health care.
Eddy Ruslim (11 месяцев назад)
is all a mess, and you did not know how to fix it either. what a mess heheheh
Jo Randar Holmøy (11 месяцев назад)
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.
Kathy Fausett (11 месяцев назад)
Honey, you're gorgeous and I love you dearly-------now, bend over.
Curt Christensen (11 месяцев назад)
1. it is NOT affordable 2. it does NOT provide any real care
First Name Last Name (3 месяца назад)
I have a completely different experience..now I have far better insurance (used to be kobra) and now I pay 5 TIMES LESS than what my monthly costs were before...on top of that, my deductibles have been cut literally in half (probably in part because I switched from kobra). I don't know how employers find ways to make insurance costs so high since the ACA incentivises employers with 50 or more employees to offer affordable insurance (less they face a hefty fine). On top of that, the ACA has actually created a free market system in healthcare where you can find affordable insurance on the free market (assuming you can't through your employer) and if you are under 400% the current poverty level (something like an annual income of $100,000 or less per family of 4) then you qualify for exemptions...if you are well below this 400% poverty level then you may actually qualify for Medicaid. And as a direct result of the ACA, you can no longer be denied by a "pre existing condition" (an ambiguous term here to mean pretty much anything that your insurer deems as such)
Scott Franco (1 год назад)
The ACA in some form is here to stay. Its an entitlement now, and politicians voting against it would sooner vote against motherhood and baby ducks. The answer is, as in all countries with socialized medical care, those who can will go to private care/insurance even while paying for the socialized system. It costs more, but it won't kill you.
Dileon (1 год назад)
YES! #MedicareForAll
joe beermaster (1 год назад)
Obama Worst president ever!
James Whitfield (1 год назад)
I think this guy is an optimist. The effect of more expensive health care is to have people die younger. That way the government will not have to pay for Medicare and social security as long. Great way save big money and avoid many of the debt problems facing the US. Anyway aren't (we) old people, non-productive free loaders? And dead people don't vote.
Dydreth (1 год назад)
As a former health insurance professional, I can spent _hours_ telling stories about the horrors of the ACA (Obamacare).
HolyKnightGaming (1 год назад)
sucks and a lie.
Justin (1 год назад)
The music is really irritating.
Ral kan (1 год назад)
This video is Absolutely wrong (On Numbers, giving away the power, nor bureaucracy)! Who made this video, Russians? Its FAKE and MISLEADING!
Mark Stein (1 год назад)
cellphones and laptops = are a human right and their prices have gone down every year. education and healthcare = are a right and their coasts have increased every year. maybe we should stop to turn things a right and let the free market to work
sairve One (1 год назад)
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?!
Antony Davies (1 год назад)
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.
sirsaint88 (1 год назад)
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.
trut hurts (1 год назад)
OK, just for a little 'truth in advertising', learn liberty is a spinoff of the Institute for Humane Studies, which is funded in part by the Koch Foundation and Charles Koch. They, as you know, are libertarian multibillionairs, who support no minimum wage, no government spending for infrastructure, etc- a very radical position that is basically every man for himself'. Fine for the very wealthy. they would like America to be the next India- huge lower class of people fighting over $4 an hour jobs, miniscule middle class, and an ultrawealthy ruling class. Don't be fooled.
Dean Cutler (7 месяцев назад)
A hole in the ozone Government guaranteeing Wall Street loans with public money caused that bubble. Bankers weren't blameless but the main culprit was politicians pushing slogans like "everyone should own a home regardless of whether they can pay for it"
The strangest Fruit (11 месяцев назад)
trut hurts, Good to know that this was paid for by billionaires. I watched his video on the housing bubble. It made sense now why he blamed government instead of Wall Street. What a shill.
Antony Davies (1 год назад)
And how does that affect the facts presented in the video?
Jordan Moser (1 год назад)
Obullshit Care
NeolardoPwn (1 год назад)
This is incredibly misguiding, way to spread ignorance.
Ben (11 месяцев назад)
If you say it's misguiding, explain how. Otherwise, I don't believe you.
Smashinbedrock (1 год назад)
I honestly love this video, one of your best :)
kim law (2 года назад)
If they did it like it was originally written liers!!!!!!!!!!!!!
Xavi Ondoño (2 года назад)
You should put your sources in the description
First Name Last Name (3 месяца назад)
Yes, I have heard from several other sources complete opposite statistics...it is hard to tell which are accurate but I honestly find the CDC, US census bureau, and well known news sites like CNN to be more credible than this site...not saying it ISNT credible, but I am unfamiliar with it and it lists no sources.
Dave Brown (2 года назад)
Man, you've mixed a little truth with a lot of slight-of-hand here. And you left out a lot of very important information relevant to any Joe Public who is trying to learn the facts. You're not a dumb guy, so you know what I'm talking about. The oversights are glaring to anyone who knows much about the ACA.
sicktoaster (2 года назад)
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.
Another OverTaxed TaxPayer (2 года назад)
I want EVERYONE to remember before Obamacare was pasted.... The news media outlets and television late night talk shows were calling anyone who questioned Obamacare a racist and conspiracy theorists. They simply assisted the government in selling this healthcare nightmare to the people. This is the same news media who is now promoting Hillary Clinton. They lied once, would it be a stretch to assume they are lying now again?
Sabre Fall (2 года назад)
The ACA defies all economic sense. If you guarantee any firm a market they will raise prices. If I force everyone to buy apples for lunch, apple producers will raise their prices because they know they will be able to get away with it because people can only buy apples. If you know your target market can't drop out you've got 'em by the balls.
GuessWho (2 года назад)
Love this.
Tijo Jose (2 года назад)
Donald Trump wants even more socialized medicine. If you wanted free market healthcare you should have voted for Dr. Rand Paul or Ted Cruz.
asdf (1 год назад)
Tijo Jose, but wut about gary johnson?
Jonathan Pattishall (2 года назад)
Tijo Jose no he doesn't look at his website
Red Pill prime (2 года назад)
Great conservative channel. Full of half of the information. Along with the others one's I viewed. The gold standard one's don't mentioned all those recessions. Before the standard was eliminated. Tax breaks given to the rich prior to the stock market crash of 1929. All The free trade agreements that destroying the American middle class. The wages and pensions stealing. Which is taking this country down a dark path. Well got to go.
GuessWho (2 года назад)
+Eli W relax dude.
GuessWho (2 года назад)
This is not a conservative channel. It's a libertarian channel. There is a difference. Also, learn some economic theories that aren't Keynesian then we can talk about "half the information".
mwwhited (2 года назад)
The depression started as a normal down turn until Hoover and FDR dumped on gasoline (aka government regulations) and burn the entire economy to the ground.
Learn Liberty (2 года назад)
You may be interested in Professor Davies' counterpoints regarding the Great Depression: http://www.learnliberty.org/videos/top-three-myths-about-the-great-depression-and-the-new-deal/
Robert Shackleferd (2 года назад)
This is for the weak minded foxtard, Yes cost have risen but they have always risen. If you were to look at a chart you will see the same gradual rise which began in the early 90s. Canada only pays 11% of their gdp on healthcare while we pay 18% for our healthcare, so yes a single payer system can work. In the Uk and germany they even pay less, imagine if they paid 18% like we do. Romneycare has been working for over 15 years and etc. I think i had enough half truths, smoke and mirrors from Learn nothing.
Pistol Pete (11 месяцев назад)
Canada controls how much they spend on healthcare over all by limiting quantity and quality of care. Just look into some of the stories about how long patients have to wait for doctors visits, testing, and even surgeries. If they don't want to wait, they have to come to the U.S. for care. If the U.S. adopts a similar system, where are we supposed to go for good care?
Patrick Sangly (2 года назад)
What if I want to make my own damn decisions and not depend on the taxpayers for money? Stop using a strawman arguement to push athoritarian government. Fucking fascist.
Joshua Dunne (2 года назад)
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
Antony Davies (2 года назад)
+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.
Peter Binkley (2 года назад)
Totally misleading video. Even some outright lies in here. Expansion of Medicaid is ACA. Don't give congress credit for that. In fact, politicians who oppose the ACA have refused to expand Medicaid in several states as a form of protest, and with no regard for their uninsured citizens. In two years the uninsured population went from about 30% of Americans to less than 10%. My insurance premiums do not pay for government bureaucracy. That's what taxes do. Tell the truth. If you think we were better off before Obamacare, you must either not have any preexisting conditions, or you have a fat job that pays your insurance. Before the ACA, huge swaths of the population were uninsurable, because if you got sick, your insurer would drop you like a hot potato. Politicians and bureaucrats mandated that companies offer insurance to people with preexisting conditions. Insurance must also cover preventative care. No piece of legislation is going to stop the out-of-control cost of healthcare in two years. Grow up.
FurryMurry7 (2 года назад)
Antony Davies I love your videos!  Keep it up!   :D
garybsg (2 года назад)
Rocketninja200 (2 года назад)
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.
Kurt Riegel (2 года назад)
This is mere propaganda. The comparisons are apples vs. oranges. It has worked, much wider and better coverage now exists. Yes, it costs more in toto ... because more people are covered, with good coverage rather than the substandard cheap insurance that covered so little of necessary care when needed.
Crimson Fhang (7 месяцев назад)
My insurance before the ACA was under $100 a month with a relatively non existant co pay but now under what you are so highly praising as being better I have $500 a month premium, a $1,500 co pay and it covers almost nothing. A routine doctor visit before the ACA used to cost me almost nothing because it was covered, now under the ACA the same visit costs me around $5,000 because it is no longer covered. Now explain to me how this is more affordable and better then before?
Ladi Puriwal (7 месяцев назад)
I have health insurance and paying for my wife's medical bills... guess what I'm still paying for heath insurance which my employer won't cancel and paying for my wife's medical bills which weren't covered by insurance company. Want me to explain that again; let me top it off with I'm fukin paying a lot
Connor Dunn (7 месяцев назад)
Yes, more people now have access, but an artificially inflated demand and the promise of the gov to pay for healthcare creates no incentive to lower prices, and studies generally show that for people who can afford the healthcare, private healthcare has much better quality
Lacocacolaman (2 года назад)
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?
ZombieTex (2 года назад)
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.
Benjamin Drexler (2 года назад)
Nicely delivered line at the end there, but it could use some better language than "incentive" for the effect.
Wahid Hussaini (2 года назад)
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.
nicscov (2 года назад)
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.
Stepan Mulyar (22 дня назад)
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..."
casesusa (2 года назад)
...I am a licensed insurance agent and a libertarian... the A.C.A. must be killed, to save both our health care system AND our liberty as free people....
Billy Wardlaw (2 года назад)
The truth about the ACA isn't that it failed, or rather that isn't the whole truth. The whole truth about the ACA is that it was designed to fail. Specifically it was designed to fail and seriously compromise the health insurance industry, raise health care costs, prime public opinion for a move to a single-payer universal government run health-care system - the real end goal of the ACA.
Stepan Mulyar (22 дня назад)
Democrats held the House, Congress and Presidency and blew an opportunity to introduce universal healthcare.
First Name Last Name (3 месяца назад)
...idk, sounds a little farfetched and paranoid.
iKhanKing (2 года назад)
C'mon Learn Liberty. I understand your interest in presenting simplified libertarian solutions complicated issues, but healthcare isn't that simple. The costs of healthcare are increasing because Obamacare requires that everyone have insurance and that employers are now forced to be another barrier in the doctor-patient relationship. Also, healthcare decisions have been in the hands of the government for years now. It's called Medicare, and even though people think it is a social service, the number of Americans it insures gives it massive market altering power. Obamacare does make a few more decisions for patients, such as by banning charging for pre-existing conditions and promoting the formation of Accountable Care Organizations (though those put the decisions in insurer's hands).
Antony Davies (2 года назад)
+iKhanKing I appreciate your comment. The video's lesson may be a bit subtle.
iKhanKing (2 года назад)
+Antony Davies Hmm okay thanks for the clarification!
Antony Davies (2 года назад)
+iKhanKing All of what you said is true. And none of it is relevant to the point. The point is that what we were promised is not what was delivered. This isn't an ACA-specific problem. It is a problem endemic to all public policy. Incentives (politicians to get elected, voters to avoid the cost of critically analyzing promises, legislators to fill their ballot boxes and campaign chests, cronies to fill their pockets) cause all public policy to deliver far less than promised. The ACA is simply a good case study because it played out so quickly and publicly.
Adison Ebrey (2 года назад)
ma man antony
21boxhead (2 года назад)
TKList (2 года назад)
Get government out of the health insurance business as much as possible. Limit them to limited regulations and financial support for health insurance to those who need it. Government is about half the health insurance market with Medicare, Medicaid and the VA. This is why the health insurance market is not functioning like a normal market in any other industry. Obamacare, Medicaid, Medicare and VA hospitals should be phased out. People under these programs and those who are financially below the poverty level should be given a yearly amount that they could use to purchase health insurance. Keep the federal regulation stating that insurance companies have to cover pre-existing conditions as long as the person had previous insurance. Allow people to purchase insurance from any state. Deregulate state health insurance markets. Unhinge medical insurance from employers in the tax code. Getting government out and increasing competition in this way will lower health insurance costs. It cuts the bureaucracy costs, cuts the fraud costs and improves competition and quality of care. Why not do financial assistance for health insurance the same way we do financial assistance for food?
GregoryTheGr8ster (2 года назад)
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?
Hail to the MisChief (2 года назад)
+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.  http://www.cbsnews.com/news/massachusetts-health-care-plan-6-years-later/
Antony Davies (2 года назад)
+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.
GregoryTheGr8ster (2 года назад)
+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.
Antony Davies (2 года назад)
+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.
Gregory Rose III (2 года назад)
All those state barriers need to be ended to increase competition with Insurance companies, therefore leading to cheaper, more affordable health care. GO TRUMP!
TheRKae (2 года назад)
Actually, all those effects WERE promised... just not by the Obama administration. Turns out the naysayers were precisely on target with what would occur.
Sean Rowe (2 года назад)
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.
Sean Rowe (2 года назад)
+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.
Antony Davies (2 года назад)
+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.
Sean Rowe (2 года назад)
8 years, math is not my thing :-p
Anthony (2 года назад)
Before the ACA I could not get insurance at any price, after not only can I get insurance, I get it for free. However, I think instead of any of this crap they should just expand Medicaid to cover everyone, and make all other health insurance secondary.
rose smith (1 месяц назад)
maybe you need to look up the defintions of postive and negative rights, I think that will clear up the confusion. we only have really two God given rights the right to love and be loved Jesus said we are obligated to love one another, love means compassion for others and voluntary giving. that means if you have the power ot help another you should, but it is all voluntary, god wont strike someone with a lightening bolt if he doesnt help another. he wants it to be voluntary out of love. human govenments want to use force, force people to be voluntary whether than can or not or able to afford it or  not. whether they have the ability to do so or not. never should charity be forced. government is force against what even God himself doesnt require. even the poor had obligations under mosaic law to work too, they got to glean the fields without cost, except hte cost of actually getting up and going to glean them, it was hard work, gleaning, thrashing, preparing the grains and fruits to be eaten. no laziness was allowed, but no greediness either by anyone. only truly disabled people were allowed to beg at the temple. this was their source of living.
rose smith (1 месяц назад)
no insurance means they have to reduce your costs I have hadpeople go to the hospital with infections and injuries who got a reduced cost because they had no insurance. you you defintily need medical care go get it but negotiate the price they give you is not set in stone, negotiate, tell them you cannot afford the price but can make payments, if they give you a hard time about it, get a lawyer, do not pay a penny until you have gotten a lawyer to reduce the costs. hospitlas can sometimes be buttholes about being fair to those without insurance. I personally knowing if I did not have insurance would set aside some money each week, if you get a major thing you can use that as a downpayment, seeing this they will more likly negoiate and allow payments and not try to take you rhouse. watch be careful of what you sign read it understand it.
mdhj67 (2 года назад)
Agreed. Nice having this exchange with you. It's been beneficial to me. Hope it is likewise for you. Cheers,
Anthony (2 года назад)
I just think it comes down to semantics in reality, call it a family unit and make legal judgments from that stand point. Leave marriage alone, who you marry is up to you or your religion. Don't use father/mother, use parental set and just make both parents responsible regardless. It's not like you can make a person legally without a male and female anyway. Adoption for same sex couples is just legal responsibilities signed to another parental set.
mdhj67 (2 года назад)
Marriage is not so easy for me to resolve philosophically. As far as two consenting adults formalizing a mutual relationship, I don't care. However, things get a bit tricky when kids come into the picture. In some way the parents, assuming there was no coercion on the part of either parent, must be legally obligated to the support and care for their kids until they become adults. This, for better or worse, requires a social oversight (government). I suspect that somewhere back in ancient history that this may be the origin of state sanctioned marriage. Since I am not a historian that may be a wild guess. Essentially I am not 100% convinced that government should be out of marriage. I lean that way but there is room for at least a little bit of doubt.
RonPaul Revered (2 года назад)
How to end the State peacefully 1.Stop paying taxes 2. Invest out of government's fiat currency 3. Defend those who share your private property ethic.
RonPaul Revered (2 года назад)
+Darvinisti Against who? They are not as organized as you think against first world peaceful people who are seceding to the underground. 
Darvinisti (2 года назад)
+RonPaul Revered Wont stop the gov from getting more violent. It will lash out before it dies.
KV the 2nd (2 года назад)
Please debunk Danish welfare!
Mitch Brown (2 года назад)
Larry Burke (2 года назад)
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.
Kevin Smith (2 года назад)
So you ignored the entire comment because I explained to you that Democrats are just as much fascists as Republicans?
Larry Burke (2 года назад)
+Kevin Smith That is too partisan to take seriously.
Kevin Smith (2 года назад)
+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.
runnofff (2 года назад)
Jonathan Huse (2 года назад)
The music's a touch dramatic
PDTALLMAN (2 года назад)
Hey! We're over here! You're looking into the wrong camera!
TheAsianGuy_LOL (2 года назад)
You also have to note that the ACA violates the concept of voluntary exchange in forcing people to buy it.
Conrad Gifford (2 месяца назад)
TheAsianGuy_LOL it was also another form of taxation to redistribute wealth.
Ron Togunov (2 года назад)
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.
Antony Davies (2 года назад)
+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.
bigspook999 (2 года назад)
"Why hasn't it worked as promised" .. How about the fact no one tried to improve it, and the right wing spent 65 votes to repeal it and got no where? It is failed, but i wish both sides would work together to improve it. A great foundation but neglected.
engelsseele2 (2 года назад)
+bigspook999 For programs like this to work. It needs a 100% participation from the people. Sorry but I don;t see the same as my own blood family. I don't even see the same as my best friends or ex wife. They would pay into something I don't think should be paid into. Vice versa also applies to this. You also got people who purposely keep their lifestyle as poor so they don't have to pay as much in taxes, to get benefits easier, among many other things. If anything most government run programs are not designed to help but to maintain the people.
Tom Nally (2 года назад)
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.
rose smith (1 месяц назад)
why are they passing on healthcare costs to those who actually pay to fund those who dont? that is discrimination and forcing others to pay for those who dont pay is theft. it is another form of taxation without representation, not that you all have representation that is just a buzz word that means nothing and affects nothing for the better. I have a feeling if insurance was voluntary, and hospital and doctors actually had to compete for your business you would see costs go down and quality go up, insurance companies take away thisincentive to encourage you to use a particular doctor or service you pay less in network then out, take away networks. allow people to shop around. And if they would allow people to save their own money to pay for that would allow you more power to shop around and get the best price. get rid of insurance for basic care and only have it for emergency care only, or catastropic otherwise pay it yourself. watch prices for a regular doc visit go down, and dr offering incentives to use them instead of a competitor. watch drug prices go down too as people will be paying more for them and will be more careful to actually take what is actually needed and not what thedoctor recommends because you have insurance. understand?
OhSun Kang (5 месяцев назад)
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.
George Garner (6 месяцев назад)
This is why we need universal health care plan
fraxus (8 месяцев назад)
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.
Dileon (9 месяцев назад)
fraxus Nixon had proposed a public mandate system, which would be the Republican response to single payer. And when Obama implemented this policy, it failed. If health insurance companies are going to screw you over if it’s more profitable, then why should we trust them to take care of us when we’re sick? I understand the profit motive and how people have been screwed because of it, leading me to believe we should seek a socialized healthcare system.
Emberwilde Productions (2 года назад)
Like every other developed country, it's time for Universal Healthcare for all! Providing healthcare shouldn't be a for-profit endeavor.
Dean Cutler (7 месяцев назад)
Emberwilde Productions Enjoy chronic shortages like we have here in Canada
fraxus (8 месяцев назад)
Emberwilde Productions and why do they require public support if these are so avantageous ? Yes these are obviously so great that you have to force ppl to pay for them. LOL. 'Public goods' are the only valid reason for government, what is a public versus private or excludable good varies with time and Technology.
The strangest Fruit (11 месяцев назад)
Emberwilde Productions, do you need a safe space?
Emberwilde Productions (2 года назад)
House Speaker Paul Ryan gave a talk yesterday about the degree of incivility in the USA today - preventing any honest examination of ideas because people are so eager to demonize and vilify one another simply for disagreeing.
Evil 1 (2 года назад)
+Emberwilde Productions I called you an idiot because your comment was dumb.
Sleve McDichael (2 года назад)
You should have also included the talking point where Obama said "if you like your doctor, you can keep your doctor". Well that's not so. I'm on a ACA plan (because BCBS no longer sells plans that AREN'T ACA) and the new benefits network for ACA insured customers has significantly less doctors and hospitals. I can no longer see the doctors I was seeing for years to manage my chronic health issues. The reason the doctors don't participate in the ACA plan? It doesn't pay out as much. I don't blame them. I blame Obama.
Andrew Seroff (2 года назад)
liberty is the ultimate social program
Bbbmurr (2 года назад)
it's called fraud

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