Trump’s plan will make the sick pay more

first_imgBut with fewer healthy people paying into that system, the premiums for everyone left would rise.This is the very problem that Obamacare was created to solve.Under the Affordable Care Act, the premiums paid by healthy people help subsidize the more expensive care needed by sicker people (the same thing happens in employer-provided health insurance).In return, the healthy have the security of knowing that, if the need arises, they too will be taken care of.Trump wants to dismantle this cooperative arrangement and just let healthy people buy cheaper policies.What happens to the sick under this system — and the healthy, for that matter, when they unexpectedly become sick — Trump did not say.Americans are increasingly inclined to see health care as a collective responsibility. What he didn’t mention is that these potential savings would accrue only to people healthy enough to gamble on skimpy insurance coverage.Sicker people, left stranded in a deteriorating risk pool, would see their premiums rise.In other words: The changes would shift costs, not save money, for the health-care system.Trump has ordered his cabinet to arrange for more small businesses to join in “association health plans” that are exempt from the rules of the Affordable Care Act.And he plans to allow people to remain on short-term insurance policies (also exempt) for as long as a year.Such plans could charge higher premiums for people with preexisting health problems.These people, who have greater-than-average need for essential health benefits like hospitalization and mental health care, could instead remain in the protected Obamacare marketplace. More from The Daily Gazette:EDITORIAL: Find a way to get family members into nursing homesFoss: Should main downtown branch of the Schenectady County Public Library reopen?EDITORIAL: Thruway tax unfair to working motoristsEDITORIAL: Beware of voter intimidationEDITORIAL: Urgent: Today is the last day to complete the census Six in 10 Americans now think it’s the federal government’s duty.Trump has found other ways to remove healthy people from Obamacare risk pools.His administration is refusing to help people sign up for policies during the fall enrollment period.And he’s dropped many hints that he might soon decline to enforce the ACA mandate that every American have insurance.Trump’s latest executive order, like his previous moves, seems motivated more by frustration at Congress’s inability to repeal Obamacare than by any concern for the smooth functioning of the individual health-insurance market.Regardless, it puts the health of millions of Americans at risk. Categories: Editorial, OpinionThe following editorial appears on Bloomberg View:President Donald Trump has announced some new strategies to destabilize the individual health-insurance market, but his misguided objective is the same as ever: to undermine the Affordable Care Act and, more broadly, the very idea of health insurance.His latest executive order, signed Thursday, will cause premiums to fall drastically for “millions of Americans,” Trump said.last_img read more

Even itemizers can save by filing early

first_imgCategories: Letters to the Editor, OpinionNews reports about paying 2018 property taxes in 2017 have concentrated on whether this will save a person money on 2018 taxes. However, even if one decides to take the new, higher standard deduction in 2018 and thus not benefit in 2018 by paying taxes early, a person who itemizes in 2017 could still save a substantial sum of money on his 2017 taxes by paying 2018 property taxes early. In summary, if you will itemize in 2017, pay early.Guy SpiersNiskayunaMore from The Daily Gazette:Niskayuna girls’ cross country wins over BethlehemEDITORIAL: Beware of voter intimidationPuccioni’s two goals help Niskayuna boys’ soccer top Shaker, remain perfectFoss: Should main downtown branch of the Schenectady County Public Library reopen?EDITORIAL: Urgent: Today is the last day to complete the censuslast_img read more

Concealed carry laws are unsafe

first_imgCategories: Letters to the Editor, Opinion Rep. Elise Stefanik is a co-sponsor of the Concealed Carry Reciprocity Act, which allows someone with a concealed carry permit issued in their state to carry such weapons across state lines, regardless of stricter requirements in other states.  The shooter in the New Mexico High School killings on Dec. 7, 2017, legally obtained his 9mm Glock handgun (New Mexico is a so-called “shall-issue state), and had no criminal or mental health record. He was another in a long line of disgruntled young men (he reportedly said “Life sucks.”) who have committed mass shootings.The Violence Policy Center has documented 29 mass shootings since 2007 where the perpetrator was a licensed concealed carry permit holder. Researchers at the Boston University School of Public Health, as well as recent research by the National Bureau of Economic Research (June 12, 2017, published paper), have found significantly higher violent crime rates in “shall-issue” states compared to “may-issue” states like New York, where the process to obtain a permit to carry a concealed weapon is discretionary. The 2015 CDC statistics on firearm mortality showed New York as the third-safest state (4.2 deaths per 100,000 population), while “shall-issue” states are much more unsafe. (New Mexico had 18.6 deaths per 100,000 population, for example.)Stefanik’s proud legislative accomplishment would, for example, let a 17-year-old walk around our cities with a concealed loaded handgun. And there’s nothing law enforcement could do about it, thanks to Stefanik.Richard HoffmanEastonMore from The Daily Gazette:EDITORIAL: Thruway tax unfair to working motoristsEDITORIAL: Urgent: Today is the last day to complete the censusGov. Andrew Cuomo’s press conference for Sunday, Oct. 18Foss: Should main downtown branch of the Schenectady County Public Library reopen?EDITORIAL: Find a way to get family members into nursing homeslast_img read more

Display statue in prominent location

first_imgCategories: Letters to the Editor, Opinion I’m sorry to say that Janet Chen’s March 25 letter to the editor has got it wrong. Lady Liberty belongs not in “Goose Hill,” but where it was originally installed, or somewhere central in the downtown part of the city where it can still honor the efforts of Schenectady’s Boy Scouts.I feel strongly about this because I was there — not only at its dedication — but involved in the fund-raising for it. My name is on a scroll in the time capsule along with my fellow Scouts. At the time I was a member of Cub Scout Pack 25, Den 3. My Den was located in the Mount Pleasant section of the city.I, too, can understand Ms. Chen’s desire to modernize Gateway Plaza, as it now looks great. But history is history. It needs to be remembered and its patriotic supporters honored. I ask Mayor Gary McCarthy to either reinstall the statue in its original location or in some other prominent downtown location with an appropriate historical marker. It should not be hidden away.Lance R. JacksonGlenvilleMore from The Daily Gazette:EDITORIAL: Beware of voter intimidationFoss: Should main downtown branch of the Schenectady County Public Library reopen?EDITORIAL: Urgent: Today is the last day to complete the censusEDITORIAL: Find a way to get family members into nursing homesEDITORIAL: Thruway tax unfair to working motoristslast_img read more

ECE appoints Hawkpoint to find a merger partner

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Grimley survey shows caution

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Edinburgh office market

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LMS hit for third time

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Protect her precious pension

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Prepare for retirement with a balancing act

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