Individual plans cost less than group plans. Group plans are expensive for healthy people because they have to subsidize the non-healthy people in the plan. Here's my plan:
Like I said, if I had a copper plan and was responsible for 18k in expenses, I'd be bankrupt. It doesn't matter if the procedure cost 18K or 180K. A broken leg can cost that much. Thankfully I have a much better than copper plan.
No one forced me to use vista. The law didn't mandate that I use it. Microsoft realized it stunk and replaced it with 7. A shitty OS can be replaced. Anyone who tries to replace the ACA is branded an extremist who wants to deny minorities their healthcare. The door to fix this law closed with the end of the shutdown. The only solution now is repeal.
In fact if you are deemed to be too poor, you aren't allowed to shop for subsidized insurance on the exchange. Your only option for subsidized insurance is medicaid. That in my mind violates equal protection, and actually is somewhat evil.
Free student insurance is for when you have strep throat and need an antibiotic prescription, it is not for when you need surgery. If your wife had read the policy she would have realized this. She can read, right?
Guess what, with this law you still have to pay for old people to go to the doctor. Only now costs are higher because now a 60-year has to be covered in the event of a unexpected pregnancy.
You realize that the estimates you were seeing are not accurate?
I though one of the big reasons this law was passed is because we were spending too large a portion of GDP on Health Care. How does rigging the system so everyone's rates go up, adding a bunch of people who were already eligible for medicaid to medicaid, and offsetting a portion of the newer higher prices with taxpayer subsidies lower the portion of GDP we spend on healthcare?
It sounds to me like the only thing we accomplished is giving health insurance companies access to tax revenues. I'm not thinking that will do much to control costs.
You missed the point. The insurance I have now is a $500 deductible and $0 out of pocket expenses. That copper plan I used as an example is what is available on the exchange for the same price as my current insurance. Insurance like that is worthless, and now people are forced to buy it.
I know if I had a copper level plan, I would be bankrupt if I had a major medical issue. With a 6K deductible and 12K yearly cap on expenses I might as well be paying out of pocket.
If I get seriously ill I would have been better off with my $165 insurance. I am self-employed, so I won't lose my job. I have no retirement savings because everything goes into the business. None of those things will happen, and all I see is myself paying $3600 a year more for coverage that is inferior what I had.
Perhaps you don't understand what a better than platinum plan is. I buy individual insurance, I am not member of a group plan like your manufacturing company has.
That's not true. At least not in my case. I was paying $165 for a better than platinum level plan. My new option for slightly worse coverage now costs $451. But I suppose you're right. I now have maternity coverage, and can get free birth control pills.
Did you actually apply for enrollment, or were you just looking at the Kaiser estimates? In other words did you actually give them you income data, age, zip, SS number, and wait for the status email containing the pdf notifying you of your acceptance or rejection? Because only then are you allowed to actually look at plans, and only if you were accepted.
Yes, I have a question. Why is insurance on the exchange so much more expensive for so many people, than what they were paying before the law went into effect? If they were paying for freeloaders both before and after, why the huge difference?
...have said a lot of things about the ACA and Healthcare.gov, the vast majority of which turned out to be false. I would not expect anything different now.
He didn't spend 4 years convincing them. He spent 4 years blowing them off. If he wanted to convince them he would have released the requested documentation early on in 2008, in the interest of transparency. Personally, I think he intentionally encouraged the controversy.
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I don't live in NY, I live in WI. Here is a link to a description of my plan: http://www.ehealthinsurance.com/health-insurance-companies/dean-wisconsin/benefit-detail/?health-plan=699
http://www.ehealthinsurance.com/health-insurance-companies/dean-wisconsin/benefit-detail/?health-plan=699
It's the Dean500 individual plan. Go ahead and look it up on DeanCare's website.
Like I said, if I had a copper plan and was responsible for 18k in expenses, I'd be bankrupt. It doesn't matter if the procedure cost 18K or 180K. A broken leg can cost that much. Thankfully I have a much better than copper plan.
No one forced me to use vista. The law didn't mandate that I use it. Microsoft realized it stunk and replaced it with 7. A shitty OS can be replaced. Anyone who tries to replace the ACA is branded an extremist who wants to deny minorities their healthcare. The door to fix this law closed with the end of the shutdown. The only solution now is repeal.
In fact if you are deemed to be too poor, you aren't allowed to shop for subsidized insurance on the exchange. Your only option for subsidized insurance is medicaid. That in my mind violates equal protection, and actually is somewhat evil.
Insurance companies dropping coverage when someone gets sick, has been illegal since 1997. It's called recission. We didn't need the ACA to fix that.
So a copper level plan with a 6k deductible and 12k yearly cap, pays for everything?
Free student insurance is for when you have strep throat and need an antibiotic prescription, it is not for when you need surgery. If your wife had read the policy she would have realized this. She can read, right?
True that.
Guess what, with this law you still have to pay for old people to go to the doctor. Only now costs are higher because now a 60-year has to be covered in the event of a unexpected pregnancy.
ehealthinsurance.com has been doing it for years. I don't see why we even need healthcare.gov.
For a single mother with 4 kids, who is just outside the eligibility range for medicaid, I think that amount would be insurmountable.
You realize that the estimates you were seeing are not accurate?
I though one of the big reasons this law was passed is because we were spending too large a portion of GDP on Health Care. How does rigging the system so everyone's rates go up, adding a bunch of people who were already eligible for medicaid to medicaid, and offsetting a portion of the newer higher prices with taxpayer subsidies lower the portion of GDP we spend on healthcare?
It sounds to me like the only thing we accomplished is giving health insurance companies access to tax revenues. I'm not thinking that will do much to control costs.
You missed the point. The insurance I have now is a $500 deductible and $0 out of pocket expenses. That copper plan I used as an example is what is available on the exchange for the same price as my current insurance. Insurance like that is worthless, and now people are forced to buy it.
I know if I had a copper level plan, I would be bankrupt if I had a major medical issue. With a 6K deductible and 12K yearly cap on expenses I might as well be paying out of pocket.
If I get seriously ill I would have been better off with my $165 insurance. I am self-employed, so I won't lose my job. I have no retirement savings because everything goes into the business. None of those things will happen, and all I see is myself paying $3600 a year more for coverage that is inferior what I had.
I'm 35 and by no means rich.
Perhaps you don't understand what a better than platinum plan is. I buy individual insurance, I am not member of a group plan like your manufacturing company has.
That's not true. At least not in my case. I was paying $165 for a better than platinum level plan. My new option for slightly worse coverage now costs $451. But I suppose you're right. I now have maternity coverage, and can get free birth control pills.
Did you actually apply for enrollment, or were you just looking at the Kaiser estimates? In other words did you actually give them you income data, age, zip, SS number, and wait for the status email containing the pdf notifying you of your acceptance or rejection? Because only then are you allowed to actually look at plans, and only if you were accepted.
Yes, I have a question. Why is insurance on the exchange so much more expensive for so many people, than what they were paying before the law went into effect? If they were paying for freeloaders both before and after, why the huge difference?
...have said a lot of things about the ACA and Healthcare.gov, the vast majority of which turned out to be false. I would not expect anything different now.
The purpose was to get re-elected at all costs. If that meant lying about his sole achievement, then so be it.
He didn't spend 4 years convincing them. He spent 4 years blowing them off. If he wanted to convince them he would have released the requested documentation early on in 2008, in the interest of transparency. Personally, I think he intentionally encouraged the controversy.