# Trumps healthcare plan **URL:** \ **Category:** Politics & Elections\ **Created:** [September 23, 2016, 10:19pm UTC](https://boards.straightdope.com/t/trumps-healthcare-plan/766676 "2016-09-23T22:19:17Z")\ **Posts on this page:** 10\ **Page:** 2
**Author:** ![Broomstick](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/broomstick/32/246_2.png) [@Broomstick](https://boards.straightdope.com/u/Broomstick)\ **Post date:** [September 24, 2016, 9:12pm UTC](https://boards.straightdope.com/t/trumps-healthcare-plan/766676/21 "2016-09-24T21:12:12Z")
> [@DinoR](#): > > Still the HSA linked high deductible plans are, IMO, can be a great choice under ACA if you’re at or below the average healthcare spending and you aren’t risk averse. On the other hand, it’s a disaster for anyone chronically ill or higher than typical healthcare costs. So, basically, the poor, ill, and handicapped are screwed. ---
**Author:** ![Fear\_Itself](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/fear_itself/32/19637_2.png) [@Fear\_Itself](https://boards.straightdope.com/u/Fear_Itself)\ **Post date:** [September 24, 2016, 9:16pm UTC](https://boards.straightdope.com/t/trumps-healthcare-plan/766676/22 "2016-09-24T21:16:25Z")
He also favors selling health care insurance policies across state lines, so the policies from states with the shittiest regulations will dominate the market, and your state cannot regulate the policies sold within your state. ---
**Author:** ![elucidator](https://avatars.discourse-cdn.com/v4/letter/e/8edcca/32.png) [@elucidator](https://boards.straightdope.com/u/elucidator)\ **Post date:** [September 24, 2016, 9:28pm UTC](https://boards.straightdope.com/t/trumps-healthcare-plan/766676/23 "2016-09-24T21:28:11Z")
> [@Broomstick](#): > > On the other hand, it’s a disaster for anyone chronically ill or higher than typical healthcare costs. > > So, basically, the poor, ill, and handicapped are screwed. Well, all righty then! Everybody else benefits, and they are no worse off! ---
**Author:** ![DinoR](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/dinor/32/2821_2.png) [@DinoR](https://boards.straightdope.com/u/DinoR)\ **Post date:** [September 24, 2016, 9:32pm UTC](https://boards.straightdope.com/t/trumps-healthcare-plan/766676/24 "2016-09-24T21:32:19Z")
> [@Broomstick](#): > > On the other hand, it’s a disaster for anyone chronically ill or higher than typical healthcare costs. it’s an **option** under ACA. Those that don’t fit the profile I described aren’t wildly screwed unless they **choose** badly. ---
**Author:** ![elucidator](https://avatars.discourse-cdn.com/v4/letter/e/8edcca/32.png) [@elucidator](https://boards.straightdope.com/u/elucidator)\ **Post date:** [September 24, 2016, 9:35pm UTC](https://boards.straightdope.com/t/trumps-healthcare-plan/766676/25 "2016-09-24T21:35:53Z")
That phrase there, “not risk averse”. That could cover a lot of territory. Perhaps if you explained what _you_ mean by it. ---
**Author:** ![DinoR](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/dinor/32/2821_2.png) [@DinoR](https://boards.straightdope.com/u/DinoR)\ **Post date:** [September 24, 2016, 10:54pm UTC](https://boards.straightdope.com/t/trumps-healthcare-plan/766676/26 "2016-09-24T22:54:10Z")
> [@elucidator](#): > > That phrase there, “not risk averse”. That could cover a lot of territory. Perhaps if you explained what _you_ mean by it. I mean it in terms of risk aversion used in finance and economics ([from wikipedia](https://en.wikipedia.org/wiki/Risk_aversion).) > [@](#): > > In economics and finance, risk aversion is the behavior of humans (especially consumers and investors), when exposed to uncertainty, to attempt to reduce that uncertainty. It is the reluctance of a person to accept a bargain with an uncertain payoff rather than another bargain with a more certain, but possibly lower, expected payoff. For example, a risk-averse investor might choose to put his or her money into a bank account with a low but guaranteed interest rate, rather than into a stock that may have high expected returns, but also involves a chance of losing value. ---
**Author:** ![LSLGuy](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/lslguy/32/5813_2.png) [@LSLGuy](https://boards.straightdope.com/u/LSLGuy)\ **Post date:** [September 24, 2016, 11:10pm UTC](https://boards.straightdope.com/t/trumps-healthcare-plan/766676/27 "2016-09-24T23:10:00Z")
> [@Broomstick](#): > > > [@Anny\_Middon](#): > > > > … > > I suspect that this practice of “I’ll just pay you more and you pay your entire health insurance premium” would be frowned on by the ACA, but isn’t part of Trump’s proposal the repeal of the ACA? > > Why would that be a problem for the ACA? The whole point is to give people options who either don’t have employer health care or who have crappy employer health care. Because the ACA as currently written requires that employers above a certain size provide employer-funded health care. Those same employers saying “we’ve done some shopping for you and here are a plan or two to pick from. But from now on 100% of the cost is yours though. \” is directly \*opposite \*to one of the big thrusts of ACA. You’re right that ACA is mostly about ensuring that folks without employer-provided health insurance now have at least plausibly affordable options they absolutely didn’t before. But it’s \*also \*very much about ensuring Corporate America doesn’t take the new widespread availability of affordable individual coverage as an opportunity to dump all of employed America’s health costs on those programs and onto the individual employees. This was the basis of the mostly true statement by Obama that “you can keep your existing insurance plans.” While it wasn’t true around the fringes (thank you Republicans) it was, and is, true in the main. ---
**Author:** ![Wesley\_Clark](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/wesley_clark/32/20581_2.png) [@Wesley\_Clark](https://boards.straightdope.com/u/Wesley_Clark)\ **Post date:** [September 25, 2016, 2:18pm UTC](https://boards.straightdope.com/t/trumps-healthcare-plan/766676/28 "2016-09-25T14:18:03Z")
> [@DinoR](#): > > [Donald Trump’s Health Care Reform Proposals: Anticipated Effects on Insurance Coverage, Out-of-Pocket Costs, and the Federal Deficit](http://www.commonwealthfund.org/publications/issue-briefs/2016/sep/trump-presidential-health-care-proposal) > > That’s lumping more together than just the effect you were asking about. There’s more detailed discussion in the “Federal Deficit” section of their findings for different aspects of three related proposals they modeled. Doesn’t chart 6 imply that it would cost 39.3 billion a year for tax deductions due to health insurance premiums? ---
**Author:** ![Wesley\_Clark](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/wesley_clark/32/20581_2.png) [@Wesley\_Clark](https://boards.straightdope.com/u/Wesley_Clark)\ **Post date:** [September 25, 2016, 3:15pm UTC](https://boards.straightdope.com/t/trumps-healthcare-plan/766676/29 "2016-09-25T15:15:36Z")
> [@Wesley\_Clark](#): > > Doesn’t chart 6 imply that it would cost 39.3 billion a year for tax deductions due to health insurance premiums? > **[Donald Trump’s Health Care Reform Proposals: Anticipated Effects on Insurance...](https://e.infogr.am/e1434cac-87f3-4f7c-9710-b2a505b4cb43?src=embed)** ---
**Author:** ![DinoR](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/dinor/32/2821_2.png) [@DinoR](https://boards.straightdope.com/u/DinoR)\ **Post date:** [September 26, 2016, 12:39am UTC](https://boards.straightdope.com/t/trumps-healthcare-plan/766676/30 "2016-09-26T00:39:21Z")
> [@Wesley\_Clark](#): > > Doesn’t chart 6 imply that it would cost 39.3 billion a year for tax deductions due to health insurance premiums? I like your use of the word imply. It certainly looks like it. Some of their presentation of findings made me start wondering if I was mixing up their cases, though …and I wasn’t reading through again. You were more patient than I. 😉 Still that column summed drives the number, $41b, in their overall findings as the increase in deficit as a result. [Previous page](https://boards.straightdope.com/t/trumps-healthcare-plan/766676.md?page=1)