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87% of Obamacare enrollees are leeching off the other 13%
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VA49er Offline
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Post: #61
RE: 87% of Obamacare enrollees are leeching off the other 13%
(12-31-2014 04:54 PM)Fitbud Wrote:  
(12-31-2014 04:44 PM)VA49er Wrote:  
(12-31-2014 04:43 PM)Fitbud Wrote:  But isn't that the point? You aren't supposed wait until you are sick to go to the doctor.

No, not at all. The majority of folks go to the doctor because something is wrong. That is what they won't be able to afford given high deductibles.

But this is what I meant by a learning curve. People need to be educated in how to use health care properly.

You are assuming people want to be educated. Given the number of folks that go to the emergency room for a simple headache, I'd venture that's a pretty big assumption.
12-31-2014 04:56 PM
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Fitbud Offline
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Post: #62
RE: 87% of Obamacare enrollees are leeching off the other 13%
Then perhaps they should pay more. What better way to discourage people from using Emergency for headaches than to give them 5k deductibles.
12-31-2014 04:59 PM
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VA49er Offline
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Post: #63
RE: 87% of Obamacare enrollees are leeching off the other 13%
(12-31-2014 04:59 PM)Fitbud Wrote:  Then perhaps they should pay more. What better way to discourage people from using Emergency for headaches than to give them 5k deductibles.

What? The high deductible will just keep them going to the emergency room. It's free there. Well, it's free for them, it just makes the rest of us pay more.
12-31-2014 05:02 PM
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Fitbud Offline
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Post: #64
RE: 87% of Obamacare enrollees are leeching off the other 13%
Then what on earth are you complaining about?
12-31-2014 05:08 PM
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dawgitall Offline
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Post: #65
87% of Obamacare enrollees are leeching off the other 13%
If you don't qualify for a subsidy why did you go to the exchange for a policy? You are aware that the 87% and 13% you are referring to in the OP are the % of exchange policies issued that include subsidies and that don't.

Most people in this country that have health insurance don't purchase on the individual market. Those plans have been affected very little by the ACA. What kind of policy do you have? What exactly is your deductible, co-pay, and maximum out of pocket? Given that this is probably the first application of your policy of the new year it makes sense that you would have to pay a major portion of the bill. You are going to pay your deductible but that would eliminate it for the rest of the year. You will have to pay your 20 or 30 % of the bill after that until you reach your out of pocket max. Once you reach that the only thing you will pay are co-pays for office visits and hospital admissions.

I sure hope everything goes smooth with these medical procedures and your health improves quickly. You are in my prayers.
12-31-2014 05:10 PM
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VA49er Offline
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Post: #66
RE: 87% of Obamacare enrollees are leeching off the other 13%
(12-31-2014 05:08 PM)Fitbud Wrote:  Then what on earth are you complaining about?

I'll make this easy. For the poor, having a high deductible plan is the exact same as having no plan at all. So, in essence, nothing changed.
12-31-2014 05:11 PM
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dawgitall Offline
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Post: #67
87% of Obamacare enrollees are leeching off the other 13%
After rereading the original post it is clear that this is an employer provided policy with United Health the insurance company involved. Individual plans are normal more expensive than group plans so I'm wondering if the problem is more to do with the employer and the insurance co than with changes made as a result of the ACA. Did the employer contract with UH for the cheapest plan they offered? The one with the lowest up front costs thus logically the one with the lowest quality of benefits? While the ACA establishes a minimum threshold for coverage there is still a bottom there. As far as the insurance co's comment about the ACA one should remember they want to present themselves in the best possible light and "Obamacare" makes for a convenient scapegoat for all things medical for years to come, regardless of the accuracy.
12-31-2014 05:33 PM
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dawgitall Offline
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Post: #68
87% of Obamacare enrollees are leeching off the other 13%
(12-31-2014 05:11 PM)VA49er Wrote:  
(12-31-2014 05:08 PM)Fitbud Wrote:  Then what on earth are you complaining about?

I'll make this easy. For the poor, having a high deductible plan is the exact same as having no plan at all. So, in essence, nothing changed.

You may not be aware of this but there are provisions in the ACA that help lower income individuals and families with the cost of deductible and co-pays in addition to the subsidy provided for the premium.
12-31-2014 05:40 PM
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CardFan1 Offline
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Post: #69
RE: 87% of Obamacare enrollees are leeching off the other 13%
(12-31-2014 05:40 PM)dawgitall Wrote:  
(12-31-2014 05:11 PM)VA49er Wrote:  
(12-31-2014 05:08 PM)Fitbud Wrote:  Then what on earth are you complaining about?

I'll make this easy. For the poor, having a high deductible plan is the exact same as having no plan at all. So, in essence, nothing changed.

You may not be aware of this but there are provisions in the ACA that help lower income individuals and families with the cost of deductible and co-pays in addition to the subsidy provided for the premium.

But Of Course. The Rest of Us Working Stiffs Fund Everything the Poor non Workers Get. Income Distribution Policy Job #105-mafia
12-31-2014 05:47 PM
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dawgitall Offline
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87% of Obamacare enrollees are leeching off the other 13%
(12-31-2014 05:47 PM)CardFan1 Wrote:  
(12-31-2014 05:40 PM)dawgitall Wrote:  
(12-31-2014 05:11 PM)VA49er Wrote:  
(12-31-2014 05:08 PM)Fitbud Wrote:  Then what on earth are you complaining about?

I'll make this easy. For the poor, having a high deductible plan is the exact same as having no plan at all. So, in essence, nothing changed.

You may not be aware of this but there are provisions in the ACA that help lower income individuals and families with the cost of deductible and co-pays in addition to the subsidy provided for the premium.

But Of Course. The Rest of Us Working Stiffs Fund Everything the Poor non Workers Get. Income Distribution Policy Job #105-mafia

Well no not in this case. These actually are the "working stiffs" we would be talking about. Poor Non-workers wouldn't qualify for the subsidies. These would be families or individuals that go out and work for a living.
12-31-2014 06:10 PM
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THE NC Herd Fan Offline
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Post: #71
RE: 87% of Obamacare enrollees are leeching off the other 13%
Not working as well as Obama and Democrats expected... I figure they hoped 90% of Obamacare enrollees are leeching off the other 10%. Oh well maybe they'll get there next year.
12-31-2014 06:16 PM
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Owl 69/70/75 Offline
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Post: #72
RE: 87% of Obamacare enrollees are leeching off the other 13%
Why in the hell don't the republicans propose Bismarck and tax reform and a consumption tax and the Boortz-Linder rebate?
12-31-2014 06:24 PM
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CardFan1 Offline
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Post: #73
RE: 87% of Obamacare enrollees are leeching off the other 13%
(12-31-2014 06:10 PM)dawgitall Wrote:  
(12-31-2014 05:47 PM)CardFan1 Wrote:  
(12-31-2014 05:40 PM)dawgitall Wrote:  
(12-31-2014 05:11 PM)VA49er Wrote:  
(12-31-2014 05:08 PM)Fitbud Wrote:  Then what on earth are you complaining about?

I'll make this easy. For the poor, having a high deductible plan is the exact same as having no plan at all. So, in essence, nothing changed.

You may not be aware of this but there are provisions in the ACA that help lower income individuals and families with the cost of deductible and co-pays in addition to the subsidy provided for the premium.

But Of Course. The Rest of Us Working Stiffs Fund Everything the Poor non Workers Get. Income Distribution Policy Job #105-mafia

Well no not in this case. These actually are the "working stiffs" we would be talking about. Poor Non-workers wouldn't qualify for the subsidies. These would be families or individuals that go out and work for a living.

Ok I wasn't aware of that rule. Thanks. Happy New Year !
(This post was last modified: 12-31-2014 07:28 PM by CardFan1.)
12-31-2014 07:27 PM
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Crebman Offline
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Post: #74
RE: 87% of Obamacare enrollees are leeching off the other 13%
(12-31-2014 07:27 PM)CardFan1 Wrote:  
(12-31-2014 06:10 PM)dawgitall Wrote:  
(12-31-2014 05:47 PM)CardFan1 Wrote:  
(12-31-2014 05:40 PM)dawgitall Wrote:  
(12-31-2014 05:11 PM)VA49er Wrote:  I'll make this easy. For the poor, having a high deductible plan is the exact same as having no plan at all. So, in essence, nothing changed.

You may not be aware of this but there are provisions in the ACA that help lower income individuals and families with the cost of deductible and co-pays in addition to the subsidy provided for the premium.

But Of Course. The Rest of Us Working Stiffs Fund Everything the Poor non Workers Get. Income Distribution Policy Job #105-mafia

Well no not in this case. These actually are the "working stiffs" we would be talking about. Poor Non-workers wouldn't qualify for the subsidies. These would be families or individuals that go out and work for a living.

Ok I wasn't aware of that rule. Thanks. Happy New Year !

Poor non-workers get Medicaid (aka-free healthcare)
12-31-2014 08:41 PM
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dawgitall Offline
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Post: #75
RE: 87% of Obamacare enrollees are leeching off the other 13%
(12-31-2014 06:16 PM)THE NC Herd Fan Wrote:  Not working as well as Obama and Democrats expected... I figure they hoped 90% of Obamacare enrollees are leeching off the other 10%. Oh well maybe they'll get there next year.
Well since we are both in NC you are half right. We have one of the highest percentages for those receiving subsidies at 91% in 2014.
12-31-2014 09:07 PM
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dawgitall Offline
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Post: #76
RE: 87% of Obamacare enrollees are leeching off the other 13%
(12-31-2014 06:24 PM)Owl 69/70/75 Wrote:  Why in the hell don't the republicans propose Bismarck and tax reform and a consumption tax and the Boortz-Linder rebate?

Write your congressman.07-coffee3
12-31-2014 09:09 PM
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dawgitall Offline
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Post: #77
RE: 87% of Obamacare enrollees are leeching off the other 13%
(12-31-2014 08:41 PM)Crebman Wrote:  
(12-31-2014 07:27 PM)CardFan1 Wrote:  
(12-31-2014 06:10 PM)dawgitall Wrote:  
(12-31-2014 05:47 PM)CardFan1 Wrote:  
(12-31-2014 05:40 PM)dawgitall Wrote:  You may not be aware of this but there are provisions in the ACA that help lower income individuals and families with the cost of deductible and co-pays in addition to the subsidy provided for the premium.

But Of Course. The Rest of Us Working Stiffs Fund Everything the Poor non Workers Get. Income Distribution Policy Job #105-mafia

Well no not in this case. These actually are the "working stiffs" we would be talking about. Poor Non-workers wouldn't qualify for the subsidies. These would be families or individuals that go out and work for a living.

Ok I wasn't aware of that rule. Thanks. Happy New Year !

Poor non-workers get Medicaid (aka-free healthcare)

Primarily the blind, pregnant, children, mentally disabled and physically disabled. In traditional Medicaid it is nearly impossible for a healthy male to get it. With expanded Medicaid it is easier but even then most of them will still be working poor.
12-31-2014 09:15 PM
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dawgitall Offline
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Post: #78
RE: 87% of Obamacare enrollees are leeching off the other 13%
(12-31-2014 07:27 PM)CardFan1 Wrote:  
(12-31-2014 06:10 PM)dawgitall Wrote:  
(12-31-2014 05:47 PM)CardFan1 Wrote:  
(12-31-2014 05:40 PM)dawgitall Wrote:  
(12-31-2014 05:11 PM)VA49er Wrote:  I'll make this easy. For the poor, having a high deductible plan is the exact same as having no plan at all. So, in essence, nothing changed.

You may not be aware of this but there are provisions in the ACA that help lower income individuals and families with the cost of deductible and co-pays in addition to the subsidy provided for the premium.

But Of Course. The Rest of Us Working Stiffs Fund Everything the Poor non Workers Get. Income Distribution Policy Job #105-mafia

Well no not in this case. These actually are the "working stiffs" we would be talking about. Poor Non-workers wouldn't qualify for the subsidies. These would be families or individuals that go out and work for a living.

Ok I wasn't aware of that rule. Thanks. Happy New Year !
Happy New Year
12-31-2014 09:17 PM
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Fitbud Offline
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Post: #79
Re: RE: 87% of Obamacare enrollees are leeching off the other 13%
(12-31-2014 05:11 PM)VA49er Wrote:  
(12-31-2014 05:08 PM)Fitbud Wrote:  Then what on earth are you complaining about?

I'll make this easy. For the poor, having a high deductible plan is the exact same as having no plan at all. So, in essence, nothing changed.

Well I'm glad we cleared that up.
12-31-2014 09:52 PM
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RE: 87% of Obamacare enrollees are leeching off the other 13%
(12-31-2014 06:24 PM)Owl 69/70/75 Wrote:  Why in the hell don't the republicans propose Bismarck and tax reform and a consumption tax and the Boortz-Linder rebate?

This...and advocation of removing Cannabis from schedule of one would be a very strong platform to beat IMO.

Why? I think we both know the answer Owl.
12-31-2014 10:23 PM
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