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Kiwi Ghost Chips
Feb 19, 2011

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The intersection of people uninsured in 2017, people with expensive health problems, and people able to move to Vermont is going to be almost nonexistent.

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Kiwi Ghost Chips
Feb 19, 2011

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It's actually sort of possible to do this in any state, right now. You're given a special enrollment period in ACA if you move to a new state, so a poor-but-mobile person could stay uninsured, and just move and enroll if they have health problems.

Kiwi Ghost Chips
Feb 19, 2011

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Fat Ogre posted:

To expand on this single payer forces companies to play nice in many cases, for example stuff like replacement hips etc.

If you're a company you're going to work to produce the lowest costing best quality replacement hip in the hopes that yours is the single payer of choice hip.

As a pharmaceutical company you may not produce much of cheap anti-biotic XYZ because there is no profit in it for you. Thing is if everyone is going to be prescribed that anti-biotic because of single payer, the economy of scale makes it profitable for someone to pick up that slack unlike the current situation.

Instead of companies only having to worry about tiny market shares they now have to focus on a large scale market share. This has the flip side issue of higher barriers to entry, in that it gets much harder to get your product to market because the established players will work regulations in that favor their products or company policies. Think military industrial complex.

I don't know about that. New innovations are already going to be expensive and not covered on most insurance. In any case they're only going to be available to the rich, who can still pay for them if they want.

Kiwi Ghost Chips
Feb 19, 2011

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Fat Ogre posted:

When I was in school people would just get a ton of credit cards increase the limits, then pay their bursar bill with credit cards. File for bankruptcy and go on. Now colleges don't let people do that or you have to cash advance and make the minimum payments somehow.

The credit card company should've challenged that during bankruptcy. If you have no intention of paying a debt when you incur it it's fraudulent and non-dischargable.

Kiwi Ghost Chips
Feb 19, 2011

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Fat Ogre posted:

Unless the charge is so many days old, I think the law is 90 days it may have been bumped up during the Bush era bankruptcy reforms in the early 2000s.

There's a presumption of abuse for things like luxury purchases and cash advances for a few months before the petition, but if you can prove the debt was fraudulent there's no time limit. Same if you lie about your income on the CC application.

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