(02-21-2015 11:20 PM)Owl 69/70/75 Wrote:  What we've basically done is spend money to subsidize the purchase of cheap insurance policies that are essentially worthless.

Yep. And the "payers", as usual, are the ones already footing their own bill AND NOW, paying for someone else's insurance..........and the subsidy folks can't afford the deductible.

(02-18-2015 06:18 PM)dawgitall Wrote:  I love how I offer some simple numbers about enrollment and it morphs into this. A lot of people signed up is my point. :>)

A lot of people were "forced" to sign up. Let's be honest at least.

All I know is I spent $6600 dollars out of my pocket last last year for a horrible insurance plan....and....I could not deduct a dime of it on my 2014 return...all while the fruits of my labors are being extracted from me to provide a welfare handout to others.

The ACA does nothing to improve healthcare. It is simply a giant welfare handout and income redistribution program.

(02-21-2015 11:20 PM)Owl 69/70/75 Wrote:  What we've basically done is spend money to subsidize the purchase of cheap insurance policies that are essentially worthless.

I have an employee that somehow managed to get a BCBS Gold plan (over $750 per month) and after his welfare hand out?....pays less than $100 per month out of pocket. That is a increase in income of over $14K. Someone tell me this is not a income redistribution scheme?

(02-22-2015 12:27 PM)Fo Shizzle Wrote:  

(02-18-2015 06:18 PM)dawgitall Wrote:  I love how I offer some simple numbers about enrollment and it morphs into this. A lot of people signed up is my point. :>)

A lot of people were "forced" to sign up. Let's be honest at least.

All I know is I spent $6600 dollars out of my pocket last last year for a horrible insurance plan....and....I could not deduct a dime of it on my 2014 return...all while the fruits of my labors are being extracted from me to provide a welfare handout to others.

The ACA does nothing to improve healthcare. It is simply a giant welfare handout and income redistribution program.

No one is forced to sign up. There is a tax if you don't. Just pay the tax and go uninsured.

(02-22-2015 03:40 PM)dawgitall Wrote:  

(02-22-2015 12:27 PM)Fo Shizzle Wrote:  

(02-18-2015 06:18 PM)dawgitall Wrote:  I love how I offer some simple numbers about enrollment and it morphs into this. A lot of people signed up is my point. :>)

A lot of people were "forced" to sign up. Let's be honest at least.

All I know is I spent $6600 dollars out of my pocket last last year for a horrible insurance plan....and....I could not deduct a dime of it on my 2014 return...all while the fruits of my labors are being extracted from me to provide a welfare handout to others.

The ACA does nothing to improve healthcare. It is simply a giant welfare handout and income redistribution program.

No one is forced to sign up. There is a tax if you don't. Just pay the tax and go uninsured.

Convenient that you ignore the gouging of those that don't qualify for a subsidy, the inability of the subsidized to afford the deductibles and just "report the numbers".

As I said earlier, it's almost like cheering that a victim hands over their wallet when robbed at gunpoint.

Dawgitall: "well, the robbery victim could have refused to hand over his wallet and just gotten shot!"

He ignores that the un-subsidized choose Obumblecare only because they have no other choice.

I understand why he loves it, he would be in an uninsurable situation without it, and for that reason, he's okay with people like SMN and Fo taking it in the shorts.

(02-22-2015 04:55 PM)Crebman Wrote:  

(02-22-2015 03:40 PM)dawgitall Wrote:  

(02-22-2015 12:27 PM)Fo Shizzle Wrote:  

(02-18-2015 06:18 PM)dawgitall Wrote:  I love how I offer some simple numbers about enrollment and it morphs into this. A lot of people signed up is my point. :>)

A lot of people were "forced" to sign up. Let's be honest at least.

All I know is I spent $6600 dollars out of my pocket last last year for a horrible insurance plan....and....I could not deduct a dime of it on my 2014 return...all while the fruits of my labors are being extracted from me to provide a welfare handout to others.

The ACA does nothing to improve healthcare. It is simply a giant welfare handout and income redistribution program.

No one is forced to sign up. There is a tax if you don't. Just pay the tax and go uninsured.

Convenient that you ignore the gouging of those that don't qualify for a subsidy, the inability of the subsidized to afford the deductibles and just "report the numbers".

As I said earlier, it's almost like cheering that a victim hands over their wallet when robbed at gunpoint.

Dawgitall: "well, the robbery victim could have refused to hand over his wallet and just gotten shot!"

He ignores that the un-subsidized choose Obumblecare only because they have no other choice.

I understand why he loves it, he would be in an uninsurable situation without it, and for that reason, he's okay with people like SMN and Fo taking it in the shorts.

Dawg has been on here pimping what Obamacare had done for his family, with their extensive medical expenses. It didnt make a lot of sense, because the medical expenses his family was racking up should have cost him thousands out of pocket due to the standard deductibles that come with most exchange policies. He finally fessed up and admitted he didnt have an Obamacare policy, but a grandfathered policy can get, even on the exchanges.

Actually, if we could all get the policy Dawg has, we'd probably be in good shape. The problem is, none of us can. Those policies went they way of the dodo bird with the implementation of Obamacare.

(02-22-2015 04:55 PM)Crebman Wrote:  

(02-22-2015 03:40 PM)dawgitall Wrote:  

(02-22-2015 12:27 PM)Fo Shizzle Wrote:  

(02-18-2015 06:18 PM)dawgitall Wrote:  I love how I offer some simple numbers about enrollment and it morphs into this. A lot of people signed up is my point. :>)

A lot of people were "forced" to sign up. Let's be honest at least.

All I know is I spent $6600 dollars out of my pocket last last year for a horrible insurance plan....and....I could not deduct a dime of it on my 2014 return...all while the fruits of my labors are being extracted from me to provide a welfare handout to others.

The ACA does nothing to improve healthcare. It is simply a giant welfare handout and income redistribution program.

No one is forced to sign up. There is a tax if you don't. Just pay the tax and go uninsured.

Convenient that you ignore the gouging of those that don't qualify for a subsidy, the inability of the subsidized to afford the deductibles and just "report the numbers".

As I said earlier, it's almost like cheering that a victim hands over their wallet when robbed at gunpoint.

Dawgitall: "well, the robbery victim could have refused to hand over his wallet and just gotten shot!"

He ignores that the un-subsidized choose Obumblecare only because they have no other choice.

I understand why he loves it, he would be in an uninsurable situation without it, and for that reason, he's okay with people like SMN and Fo taking it in the shorts.

In addition to higher premiums that those of us who pay for our insurance are now paying for crappier coverage, more and more people will also start experiencing the negative effects of the ACA once they have to make the decision on whether or not to seek care when something medical comes up because they know that now they have to pay for the entire cost due to their now high deductible. How many people will put something off now because of the cost only to find out it was something serious or God forbid life threatening?

(02-22-2015 05:13 PM)UofMstateU Wrote:  

(02-22-2015 04:55 PM)Crebman Wrote:  

(02-22-2015 03:40 PM)dawgitall Wrote:  

(02-22-2015 12:27 PM)Fo Shizzle Wrote:  

(02-18-2015 06:18 PM)dawgitall Wrote:  I love how I offer some simple numbers about enrollment and it morphs into this. A lot of people signed up is my point. :>)

A lot of people were "forced" to sign up. Let's be honest at least.

All I know is I spent $6600 dollars out of my pocket last last year for a horrible insurance plan....and....I could not deduct a dime of it on my 2014 return...all while the fruits of my labors are being extracted from me to provide a welfare handout to others.

The ACA does nothing to improve healthcare. It is simply a giant welfare handout and income redistribution program.

No one is forced to sign up. There is a tax if you don't. Just pay the tax and go uninsured.

Convenient that you ignore the gouging of those that don't qualify for a subsidy, the inability of the subsidized to afford the deductibles and just "report the numbers".

As I said earlier, it's almost like cheering that a victim hands over their wallet when robbed at gunpoint.

Dawgitall: "well, the robbery victim could have refused to hand over his wallet and just gotten shot!"

He ignores that the un-subsidized choose Obumblecare only because they have no other choice.

I understand why he loves it, he would be in an uninsurable situation without it, and for that reason, he's okay with people like SMN and Fo taking it in the shorts.

Dawg has been on here pimping what Obamacare had done for his family, with their extensive medical expenses. It didnt make a lot of sense, because the medical expenses his family was racking up should have cost him thousands out of pocket due to the standard deductibles that come with most exchange policies. He finally fessed up and admitted he didnt have an Obamacare policy, but a grandfathered policy can get, even on the exchanges.

Actually, if we could all get the policy Dawg has, we'd probably be in good shape. The problem is, none of us can. Those policies went they way of the dodo bird with the implementation of Obamacare.

Interesting… I wonder what favored group he must belong to that he got his non-compliant health insurance policy grandfathered in? It's good to be in the favor of the king.

(02-22-2015 04:55 PM)Crebman Wrote:  

(02-22-2015 03:40 PM)dawgitall Wrote:  

(02-22-2015 12:27 PM)Fo Shizzle Wrote:  

(02-18-2015 06:18 PM)dawgitall Wrote:  I love how I offer some simple numbers about enrollment and it morphs into this. A lot of people signed up is my point. :>)

A lot of people were "forced" to sign up. Let's be honest at least.

All I know is I spent $6600 dollars out of my pocket last last year for a horrible insurance plan....and....I could not deduct a dime of it on my 2014 return...all while the fruits of my labors are being extracted from me to provide a welfare handout to others.

The ACA does nothing to improve healthcare. It is simply a giant welfare handout and income redistribution program.

No one is forced to sign up. There is a tax if you don't. Just pay the tax and go uninsured.

Convenient that you ignore the gouging of those that don't qualify for a subsidy, the inability of the subsidized to afford the deductibles and just "report the numbers".

As I said earlier, it's almost like cheering that a victim hands over their wallet when robbed at gunpoint.

Dawgitall: "well, the robbery victim could have refused to hand over his wallet and just gotten shot!"

He ignores that the un-subsidized choose Obumblecare only because they have no other choice.

I understand why he loves it, he would be in an uninsurable situation without it, and for that reason, he's okay with people like SMN and Fo taking it in the shorts.

Why would I be uninsureable? I have employer provided insurance and have had it for the last 30 years. When I retire I'll have it as well. Sometimes people support something not for their own selfish benefit (nod to all you Ayd Rand fans) but for the greater good of society. (nod to the social compact)

The thing about the ACA (Obamacare if you wish) is that everything negative that happens regarding health care since it became law will be blamed on it regardless of the extent that it in reality does.

(02-22-2015 05:37 PM)dawgitall Wrote:  

(02-22-2015 04:55 PM)Crebman Wrote:  

(02-22-2015 03:40 PM)dawgitall Wrote:  

(02-22-2015 12:27 PM)Fo Shizzle Wrote:  

(02-18-2015 06:18 PM)dawgitall Wrote:  I love how I offer some simple numbers about enrollment and it morphs into this. A lot of people signed up is my point. :>)

A lot of people were "forced" to sign up. Let's be honest at least.

All I know is I spent $6600 dollars out of my pocket last last year for a horrible insurance plan....and....I could not deduct a dime of it on my 2014 return...all while the fruits of my labors are being extracted from me to provide a welfare handout to others.

The ACA does nothing to improve healthcare. It is simply a giant welfare handout and income redistribution program.

No one is forced to sign up. There is a tax if you don't. Just pay the tax and go uninsured.

Convenient that you ignore the gouging of those that don't qualify for a subsidy, the inability of the subsidized to afford the deductibles and just "report the numbers".

As I said earlier, it's almost like cheering that a victim hands over their wallet when robbed at gunpoint.

Dawgitall: "well, the robbery victim could have refused to hand over his wallet and just gotten shot!"

He ignores that the un-subsidized choose Obumblecare only because they have no other choice.

I understand why he loves it, he would be in an uninsurable situation without it, and for that reason, he's okay with people like SMN and Fo taking it in the shorts.

Why would I be uninsureable? I have employer provided insurance and have had it for the last 30 years. When I retire I'll have it as well. Sometimes people support something not for their own selfish benefit (nod to all you Ayd Rand fans) but for the greater good of society. (nod to the social compact)

The thing about the ACA (Obamacare if you wish) is that everything negative that happens regarding health care since it became law will be blamed on it regardless of the extent that it in reality does.

It is pretty disingenuous for you to play like you are the great benevolent one (ayn Rand comment and Social compact) when you are one of the beneficiaries of the ACA's new rules. It has made your life better and saved you a ton of money all at the expense of making many more lives worse.

You are all supporting of the ACA because it benefits the good of the one (you and your family) over the good of others. So who is the selfish one?

(02-22-2015 05:13 PM)UofMstateU Wrote:  

(02-22-2015 04:55 PM)Crebman Wrote:  

(02-22-2015 03:40 PM)dawgitall Wrote:  

(02-22-2015 12:27 PM)Fo Shizzle Wrote:  

(02-18-2015 06:18 PM)dawgitall Wrote:  I love how I offer some simple numbers about enrollment and it morphs into this. A lot of people signed up is my point. :>)

A lot of people were "forced" to sign up. Let's be honest at least.

All I know is I spent $6600 dollars out of my pocket last last year for a horrible insurance plan....and....I could not deduct a dime of it on my 2014 return...all while the fruits of my labors are being extracted from me to provide a welfare handout to others.

The ACA does nothing to improve healthcare. It is simply a giant welfare handout and income redistribution program.

No one is forced to sign up. There is a tax if you don't. Just pay the tax and go uninsured.

Convenient that you ignore the gouging of those that don't qualify for a subsidy, the inability of the subsidized to afford the deductibles and just "report the numbers".

As I said earlier, it's almost like cheering that a victim hands over their wallet when robbed at gunpoint.

Dawgitall: "well, the robbery victim could have refused to hand over his wallet and just gotten shot!"

He ignores that the un-subsidized choose Obumblecare only because they have no other choice.

I understand why he loves it, he would be in an uninsurable situation without it, and for that reason, he's okay with people like SMN and Fo taking it in the shorts.

Dawg has been on here pimping what Obamacare had done for his family, with their extensive medical expenses. It didnt make a lot of sense, because the medical expenses his family was racking up should have cost him thousands out of pocket due to the standard deductibles that come with most exchange policies. He finally fessed up and admitted he didnt have an Obamacare policy, but a grandfathered policy can get, even on the exchanges.

Actually, if we could all get the policy Dawg has, we'd probably be in good shape. The problem is, none of us can. Those policies went they way of the dodo bird with the implementation of Obamacare.

You are way off. We have benefited from the ACA via the end to yearly and lifetime maximums. Where you got the idea that I have grandfathered policy plum escapes me. I've never posted anything that could remotely be misinterpreted to make anyone think that or ever misrepresented my situation. Some of you simply jump to conclusions and/or have sketchy recall.

I have an employer provided policy. It is a decent 80/20 plan with a $700 deductible and a $3,210 coinsurance max., $15 PCP co-pays, $70 specialist co-pays that have no max. My employer picks up all the premium if you select the 70/30 and all but $13.75 if you upgrade. My wife has a separate policy with the same employer. We have watched benefits change considerably over the last 30 years. After years of seeing benefits head in the negative direction premiums actually went down last year and stayed the same this year.

(02-22-2015 06:30 PM)dawgitall Wrote:  

(02-22-2015 05:13 PM)UofMstateU Wrote:  

(02-22-2015 04:55 PM)Crebman Wrote:  

(02-22-2015 03:40 PM)dawgitall Wrote:  

(02-22-2015 12:27 PM)Fo Shizzle Wrote:  A lot of people were "forced" to sign up. Let's be honest at least.

All I know is I spent $6600 dollars out of my pocket last last year for a horrible insurance plan....and....I could not deduct a dime of it on my 2014 return...all while the fruits of my labors are being extracted from me to provide a welfare handout to others.

The ACA does nothing to improve healthcare. It is simply a giant welfare handout and income redistribution program.

No one is forced to sign up. There is a tax if you don't. Just pay the tax and go uninsured.

Convenient that you ignore the gouging of those that don't qualify for a subsidy, the inability of the subsidized to afford the deductibles and just "report the numbers".

As I said earlier, it's almost like cheering that a victim hands over their wallet when robbed at gunpoint.

Dawgitall: "well, the robbery victim could have refused to hand over his wallet and just gotten shot!"

He ignores that the un-subsidized choose Obumblecare only because they have no other choice.

I understand why he loves it, he would be in an uninsurable situation without it, and for that reason, he's okay with people like SMN and Fo taking it in the shorts.

Dawg has been on here pimping what Obamacare had done for his family, with their extensive medical expenses. It didnt make a lot of sense, because the medical expenses his family was racking up should have cost him thousands out of pocket due to the standard deductibles that come with most exchange policies. He finally fessed up and admitted he didnt have an Obamacare policy, but a grandfathered policy can get, even on the exchanges.

Actually, if we could all get the policy Dawg has, we'd probably be in good shape. The problem is, none of us can. Those policies went they way of the dodo bird with the implementation of Obamacare.

You are way off. We have benefited from the ACA via the end to yearly and lifetime maximums. Where you got the idea that I have grandfathered policy plum escapes me. I've never posted anything that could remotely be misinterpreted to make anyone think that or ever misrepresented my situation. Some of you simply jump to conclusions and/or have sketchy recall.

I have an employer provided policy. It is a decent 80/20 plan with a $700 deductible and a $3,210 coinsurance max., $15 PCP co-pays, $70 specialist co-pays that have no max. My employer picks up all the premium if you select the 70/30 and all but $13.75 if you upgrade. My wife has a separate policy with the same employer. We have watched benefits change considerably over the last 30 years. After years of seeing benefits head in the negative direction premiums actually went down last year and stayed the same this year.

You have a grandfathered plan corporate plan. You can NOT get this type of plan, especially on the exchanges. We called you out on this, and you admitted to it.

Instead of pimping numbers of signups for a crappy Obamacare exchange plans, you should be PIMPING YOUR OWN POLICY. Thats a nice policy. And the only way the masses will ever see these policies again is if Obamacare is completely dissolved.

But dont fret, your employer could say screw it, and force you to the exchanges. Let's see how well you enjoy those thousands of dollar out of pocket deductibles. Right now your PRE OBAMACARE POLICY doesnt have those. Just wait until you experience that. Then you will see where, even though you have insurance, you still cant afford healthcare.

(02-22-2015 06:30 PM)dawgitall Wrote:  

(02-22-2015 05:13 PM)UofMstateU Wrote:  

(02-22-2015 04:55 PM)Crebman Wrote:  

(02-22-2015 03:40 PM)dawgitall Wrote:  

(02-22-2015 12:27 PM)Fo Shizzle Wrote:  A lot of people were "forced" to sign up. Let's be honest at least.

All I know is I spent $6600 dollars out of my pocket last last year for a horrible insurance plan....and....I could not deduct a dime of it on my 2014 return...all while the fruits of my labors are being extracted from me to provide a welfare handout to others.

The ACA does nothing to improve healthcare. It is simply a giant welfare handout and income redistribution program.

No one is forced to sign up. There is a tax if you don't. Just pay the tax and go uninsured.

Convenient that you ignore the gouging of those that don't qualify for a subsidy, the inability of the subsidized to afford the deductibles and just "report the numbers".

As I said earlier, it's almost like cheering that a victim hands over their wallet when robbed at gunpoint.

Dawgitall: "well, the robbery victim could have refused to hand over his wallet and just gotten shot!"

He ignores that the un-subsidized choose Obumblecare only because they have no other choice.

I understand why he loves it, he would be in an uninsurable situation without it, and for that reason, he's okay with people like SMN and Fo taking it in the shorts.

Dawg has been on here pimping what Obamacare had done for his family, with their extensive medical expenses. It didnt make a lot of sense, because the medical expenses his family was racking up should have cost him thousands out of pocket due to the standard deductibles that come with most exchange policies. He finally fessed up and admitted he didnt have an Obamacare policy, but a grandfathered policy can get, even on the exchanges.

Actually, if we could all get the policy Dawg has, we'd probably be in good shape. The problem is, none of us can. Those policies went they way of the dodo bird with the implementation of Obamacare.

You are way off. We have benefited from the ACA via the end to yearly and lifetime maximums. Where you got the idea that I have grandfathered policy plum escapes me. I've never posted anything that could remotely be misinterpreted to make anyone think that or ever misrepresented my situation. Some of you simply jump to conclusions and/or have sketchy recall.

I have an employer provided policy. It is a decent 80/20 plan with a $700 deductible and a $3,210 coinsurance max., $15 PCP co-pays, $70 specialist co-pays that have no max. My employer picks up all the premium if you select the 70/30 and all but $13.75 if you upgrade. My wife has a separate policy with the same employer. We have watched benefits change considerably over the last 30 years. After years of seeing benefits head in the negative direction premiums actually went down last year and stayed the same this year.

You have a grandfathered corporate plan. You can NOT get this type of plan, especially on the exchanges. We called you out on this, and you admitted to it.

Instead of pimping numbers of signups for a crappy Obamacare exchange plans, you should be PIMPING YOUR OWN POLICY. Thats a nice policy. And the only way the masses will ever see these policies again is if Obamacare is completely dissolved.

But dont fret, your employer could say screw it, and force you to the exchanges. Let's see how well you enjoy those thousands of dollar out of pocket deductibles. Right now your PRE OBAMACARE POLICY doesnt have those. Just wait until you experience that. Then you will see where, even though you have insurance, you still cant afford healthcare.

(02-22-2015 06:03 PM)mptnstr@44 Wrote:  

(02-22-2015 05:37 PM)dawgitall Wrote:  

(02-22-2015 04:55 PM)Crebman Wrote:  

(02-22-2015 03:40 PM)dawgitall Wrote:  

(02-22-2015 12:27 PM)Fo Shizzle Wrote:  A lot of people were "forced" to sign up. Let's be honest at least.

All I know is I spent $6600 dollars out of my pocket last last year for a horrible insurance plan....and....I could not deduct a dime of it on my 2014 return...all while the fruits of my labors are being extracted from me to provide a welfare handout to others.

The ACA does nothing to improve healthcare. It is simply a giant welfare handout and income redistribution program.

No one is forced to sign up. There is a tax if you don't. Just pay the tax and go uninsured.

Convenient that you ignore the gouging of those that don't qualify for a subsidy, the inability of the subsidized to afford the deductibles and just "report the numbers".

As I said earlier, it's almost like cheering that a victim hands over their wallet when robbed at gunpoint.

Dawgitall: "well, the robbery victim could have refused to hand over his wallet and just gotten shot!"

He ignores that the un-subsidized choose Obumblecare only because they have no other choice.

I understand why he loves it, he would be in an uninsurable situation without it, and for that reason, he's okay with people like SMN and Fo taking it in the shorts.

Why would I be uninsureable? I have employer provided insurance and have had it for the last 30 years. When I retire I'll have it as well. Sometimes people support something not for their own selfish benefit (nod to all you Ayd Rand fans) but for the greater good of society. (nod to the social compact)

The thing about the ACA (Obamacare if you wish) is that everything negative that happens regarding health care since it became law will be blamed on it regardless of the extent that it in reality does.

It is pretty disingenuous for you to play like you are the great benevolent one (ayn Rand comment and Social compact) when you are one of the beneficiaries of the ACA's new rules. It has made your life better and saved you a ton of money all at the expense of making many more lives worse.

You are all supporting of the ACA because it benefits the good of the one (you and your family) over the good of others. So who is the selfish one?

Yearly and lifetime maximum eliminations are the only changes my family benefits from directly. Considering all the people that now have health insurance that couldn't even get it or couldn't afford it until now I would say there is a great deal more that benefit from it then are negatively affected by it. You seem to be arguing that because young males have seen their rates go up or because the trend of higher deductibles has continued (something that was happening before the ACA) or that you have to pay a tax if you don't get covered this somehow is much more of a hardship than the person that had no coverage because they couldn't afford the extremely high premiums before the subsidies. Also remember that while young males saw their premiums go up young females saw theirs go down. Middle aged and older people also saw their premiums go down. Also those policies that some of you keep crowing about for their low deductibles and premiums that were eliminated by the requirements to be ACA compliant, they were crappy policies. All in all the good that the ACA has caused far exceeds the negatives.

(02-22-2015 06:30 PM)dawgitall Wrote:  

(02-22-2015 05:13 PM)UofMstateU Wrote:  

(02-22-2015 04:55 PM)Crebman Wrote:  

(02-22-2015 03:40 PM)dawgitall Wrote:  

(02-22-2015 12:27 PM)Fo Shizzle Wrote:  A lot of people were "forced" to sign up. Let's be honest at least.

All I know is I spent $6600 dollars out of my pocket last last year for a horrible insurance plan....and....I could not deduct a dime of it on my 2014 return...all while the fruits of my labors are being extracted from me to provide a welfare handout to others.

The ACA does nothing to improve healthcare. It is simply a giant welfare handout and income redistribution program.

No one is forced to sign up. There is a tax if you don't. Just pay the tax and go uninsured.

Convenient that you ignore the gouging of those that don't qualify for a subsidy, the inability of the subsidized to afford the deductibles and just "report the numbers".

As I said earlier, it's almost like cheering that a victim hands over their wallet when robbed at gunpoint.

Dawgitall: "well, the robbery victim could have refused to hand over his wallet and just gotten shot!"

He ignores that the un-subsidized choose Obumblecare only because they have no other choice.

I understand why he loves it, he would be in an uninsurable situation without it, and for that reason, he's okay with people like SMN and Fo taking it in the shorts.

Dawg has been on here pimping what Obamacare had done for his family, with their extensive medical expenses. It didnt make a lot of sense, because the medical expenses his family was racking up should have cost him thousands out of pocket due to the standard deductibles that come with most exchange policies. He finally fessed up and admitted he didnt have an Obamacare policy, but a grandfathered policy can get, even on the exchanges.

Actually, if we could all get the policy Dawg has, we'd probably be in good shape. The problem is, none of us can. Those policies went they way of the dodo bird with the implementation of Obamacare.

You are way off. We have benefited from the ACA via the end to yearly and lifetime maximums. Where you got the idea that I have grandfathered policy plum escapes me. I've never posted anything that could remotely be misinterpreted to make anyone think that or ever misrepresented my situation. Some of you simply jump to conclusions and/or have sketchy recall.

I have an employer provided policy. It is a decent 80/20 plan with a $700 deductible and a $3,210 coinsurance max., $15 PCP co-pays, $70 specialist co-pays that have no max. My employer picks up all the premium if you select the 70/30 and all but $13.75 if you upgrade. My wife has a separate policy with the same employer. We have watched benefits change considerably over the last 30 years. After years of seeing benefits head in the negative direction premiums actually went down last year and stayed the same this year.

You do know that Obamacare is going to tax your nuts off in the near future, right? When you're getting screwed like the rest of us will you still be so happy? Your employer might even be forced to severely change or drop your plans as Obama has plans in the works to cancel more employer based policies. Then what?

(02-22-2015 06:44 PM)UofMstateU Wrote:  

(02-22-2015 06:30 PM)dawgitall Wrote:  

(02-22-2015 05:13 PM)UofMstateU Wrote:  

(02-22-2015 04:55 PM)Crebman Wrote:  

(02-22-2015 03:40 PM)dawgitall Wrote:  No one is forced to sign up. There is a tax if you don't. Just pay the tax and go uninsured.

Convenient that you ignore the gouging of those that don't qualify for a subsidy, the inability of the subsidized to afford the deductibles and just "report the numbers".

As I said earlier, it's almost like cheering that a victim hands over their wallet when robbed at gunpoint.

Dawgitall: "well, the robbery victim could have refused to hand over his wallet and just gotten shot!"

He ignores that the un-subsidized choose Obumblecare only because they have no other choice.

I understand why he loves it, he would be in an uninsurable situation without it, and for that reason, he's okay with people like SMN and Fo taking it in the shorts.

Dawg has been on here pimping what Obamacare had done for his family, with their extensive medical expenses. It didnt make a lot of sense, because the medical expenses his family was racking up should have cost him thousands out of pocket due to the standard deductibles that come with most exchange policies. He finally fessed up and admitted he didnt have an Obamacare policy, but a grandfathered policy can get, even on the exchanges.

Actually, if we could all get the policy Dawg has, we'd probably be in good shape. The problem is, none of us can. Those policies went they way of the dodo bird with the implementation of Obamacare.

You are way off. We have benefited from the ACA via the end to yearly and lifetime maximums. Where you got the idea that I have grandfathered policy plum escapes me. I've never posted anything that could remotely be misinterpreted to make anyone think that or ever misrepresented my situation. Some of you simply jump to conclusions and/or have sketchy recall.

I have an employer provided policy. It is a decent 80/20 plan with a $700 deductible and a $3,210 coinsurance max., $15 PCP co-pays, $70 specialist co-pays that have no max. My employer picks up all the premium if you select the 70/30 and all but $13.75 if you upgrade. My wife has a separate policy with the same employer. We have watched benefits change considerably over the last 30 years. After years of seeing benefits head in the negative direction premiums actually went down last year and stayed the same this year.

You have a grandfathered plan corporate plan. You can NOT get this type of plan, especially on the exchanges. We called you out on this, and you admitted to it.

Instead of pimping numbers of signups for a crappy Obamacare exchange plans, you should be PIMPING YOUR OWN POLICY. Thats a nice policy. And the only way the masses will ever see these policies again is if Obamacare is completely dissolved.

But dont fret, your employer could say screw it, and force you to the exchanges. Let's see how well you enjoy those thousands of dollar out of pocket deductibles. Right now your PRE OBAMACARE POLICY doesnt have those. Just wait until you experience that. Then you will see where, even though you have insurance, you still cant afford healthcare.

You don't have a clue about what you are talking about. The plan isn't grandfathered, it is ACA compliant. There are plenty of policies on the individual market that can be bought from an insurance agent or on the exchange that are as good or better than my plan and cost the same or less. I know because I've looked it up on the BCBS website and on the government exchange website. What you don't seem to grasp is that there a wide variety of policies out there. My guess is that you haven't even shopped around to see what is out there.

No one has to go to the exchanges to buy insurance. Anyone that doesn't qualify for a subsidy really has no reason to even go to the exchanges unless they just want to compare plans. Employer provided health insurance is a benefit that lures in and/or keeps the best employees. It is a cost of doing business and the latest article I saw, just this weekend, indicated that the corporate world doesn't see the ACA as any big deal.

(02-22-2015 03:40 PM)dawgitall Wrote:  

(02-22-2015 12:27 PM)Fo Shizzle Wrote:  

(02-18-2015 06:18 PM)dawgitall Wrote:  I love how I offer some simple numbers about enrollment and it morphs into this. A lot of people signed up is my point. :>)

A lot of people were "forced" to sign up. Let's be honest at least.

All I know is I spent $6600 dollars out of my pocket last last year for a horrible insurance plan....and....I could not deduct a dime of it on my 2014 return...all while the fruits of my labors are being extracted from me to provide a welfare handout to others.

The ACA does nothing to improve healthcare. It is simply a giant welfare handout and income redistribution program.

No one is forced to sign up. There is a tax if you don't. Just pay the tax and go uninsured.

Oh...So if I decided to not pay the "tax"?...it would be ignored? Thanks...I had no idea all of this was voluntary.

(02-22-2015 04:55 PM)Crebman Wrote:  

(02-22-2015 03:40 PM)dawgitall Wrote:  

(02-22-2015 12:27 PM)Fo Shizzle Wrote:  

(02-18-2015 06:18 PM)dawgitall Wrote:  I love how I offer some simple numbers about enrollment and it morphs into this. A lot of people signed up is my point. :>)

A lot of people were "forced" to sign up. Let's be honest at least.

All I know is I spent $6600 dollars out of my pocket last last year for a horrible insurance plan....and....I could not deduct a dime of it on my 2014 return...all while the fruits of my labors are being extracted from me to provide a welfare handout to others.

The ACA does nothing to improve healthcare. It is simply a giant welfare handout and income redistribution program.

No one is forced to sign up. There is a tax if you don't. Just pay the tax and go uninsured.

Convenient that you ignore the gouging of those that don't qualify for a subsidy, the inability of the subsidized to afford the deductibles and just "report the numbers".

As I said earlier, it's almost like cheering that a victim hands over their wallet when robbed at gunpoint.

Dawgitall: "well, the robbery victim could have refused to hand over his wallet and just gotten shot!"

He ignores that the un-subsidized choose Obumblecare only because they have no other choice.

I understand why he loves it, he would be in an uninsurable situation without it, and for that reason, he's okay with people like SMN and Fo taking it in the shorts.

Sure. It all about "me". Never mind the violence being used to extract money from others. It just the way welfare works. They would not approve of anyone going next door to their neighbors house and taking money from them at gunpoint to pay for their needs. They do however have no problem with using the government to do it.

(02-22-2015 07:26 PM)dawgitall Wrote:  

(02-22-2015 06:44 PM)UofMstateU Wrote:  

(02-22-2015 06:30 PM)dawgitall Wrote:  

(02-22-2015 05:13 PM)UofMstateU Wrote:  

(02-22-2015 04:55 PM)Crebman Wrote:  Convenient that you ignore the gouging of those that don't qualify for a subsidy, the inability of the subsidized to afford the deductibles and just "report the numbers".

As I said earlier, it's almost like cheering that a victim hands over their wallet when robbed at gunpoint.

Dawgitall: "well, the robbery victim could have refused to hand over his wallet and just gotten shot!"

He ignores that the un-subsidized choose Obumblecare only because they have no other choice.

I understand why he loves it, he would be in an uninsurable situation without it, and for that reason, he's okay with people like SMN and Fo taking it in the shorts.

Dawg has been on here pimping what Obamacare had done for his family, with their extensive medical expenses. It didnt make a lot of sense, because the medical expenses his family was racking up should have cost him thousands out of pocket due to the standard deductibles that come with most exchange policies. He finally fessed up and admitted he didnt have an Obamacare policy, but a grandfathered policy can get, even on the exchanges.

Actually, if we could all get the policy Dawg has, we'd probably be in good shape. The problem is, none of us can. Those policies went they way of the dodo bird with the implementation of Obamacare.

You are way off. We have benefited from the ACA via the end to yearly and lifetime maximums. Where you got the idea that I have grandfathered policy plum escapes me. I've never posted anything that could remotely be misinterpreted to make anyone think that or ever misrepresented my situation. Some of you simply jump to conclusions and/or have sketchy recall.

I have an employer provided policy. It is a decent 80/20 plan with a $700 deductible and a $3,210 coinsurance max., $15 PCP co-pays, $70 specialist co-pays that have no max. My employer picks up all the premium if you select the 70/30 and all but $13.75 if you upgrade. My wife has a separate policy with the same employer. We have watched benefits change considerably over the last 30 years. After years of seeing benefits head in the negative direction premiums actually went down last year and stayed the same this year.

You have a grandfathered plan corporate plan. You can NOT get this type of plan, especially on the exchanges. We called you out on this, and you admitted to it.

Instead of pimping numbers of signups for a crappy Obamacare exchange plans, you should be PIMPING YOUR OWN POLICY. Thats a nice policy. And the only way the masses will ever see these policies again is if Obamacare is completely dissolved.

But dont fret, your employer could say screw it, and force you to the exchanges. Let's see how well you enjoy those thousands of dollar out of pocket deductibles. Right now your PRE OBAMACARE POLICY doesnt have those. Just wait until you experience that. Then you will see where, even though you have insurance, you still cant afford healthcare.

You don't have a clue about what you are talking about. The plan isn't grandfathered, it is ACA compliant. There are plenty of policies on the individual market that can be bought from an insurance agent or on the exchange that are as good or better than my plan and cost the same or less. I know because I've looked it up on the BCBS website and on the government exchange website. What you don't seem to grasp is that there a wide variety of policies out there. My guess is that you haven't even shopped around to see what is out there.

No one has to go to the exchanges to buy insurance. Anyone that doesn't qualify for a subsidy really has no reason to even go to the exchanges unless they just want to compare plans. Employer provided health insurance is a benefit that lures in and/or keeps the best employees. It is a cost of doing business and the latest article I saw, just this weekend, indicated that the corporate world doesn't see the ACA as any big deal.

BS. There are NO decent BCBS plans available for ANYONE unless you can afford to shell out 7 to 800 per month. The problem is? We have people buying these plans and having almost all of their premiums stolen from others to pay for them while the rest of us have to settle for SCHIT plans. Something is damn wrong with that. I have no problem with helping people with "basic" low cost insurance plans. I have a HUGE problem subsidizing high cost plans.

(02-18-2015 04:04 PM)UofMstateU Wrote:  

(02-18-2015 07:59 AM)dfarr Wrote:  My aunt and uncle are in their 50s and pay $900/month for a plan with a $6500 deductible per person. Not sure if this is an exchange plan or what. Also not sure what their costs were before the ACA jacked up the individual market.

The big part of this, that Dawg keeps ignoring, is the extreme deductibles which became the norm after Obamacare.

Part of Dawgs arguement was that healthcare continued to rise prior to Obamacare just like the Obamcare premiums ave risen. That part isnt even true. After 12 years as an employer, our rates went up by around 15% by simply shopping our coverage around. Rates would creep up, then we'd shop around, and rates would go down.

But the big piece is the coverages and deductibles. Instead of having a 90/10 in-plan, 80-20 out of plan, $500 deductible, we now have a $3000/$6000 deductible 80/20 plan-70/30 plan, for a price that was more expensive than our previous plan.

So some will "cherry-pick" rates, without telling the whole story. I doubt anyone on the planet has seen their rates AND covereages/deductibles remain about the same unless they have been exempted, which shields them from Obamacare.


My wife broke her foot last year. ABout $1200 in medical bills. Under my previous insurance, the bill would have been $570, and we would have only paid 10% of anything else for her for the remainder of the year.

Under our new Obamcare influenced plan, we paid $1200.

It's not insurance, and its not healthcare. It's a *****ing ponzi scheme.

This is a pretty good description of what this boondoggle has done to us as well. ACA require the cancellation of the plan we have had since the early/mid 90's, and replaced it with a high deductible POS that has a bunch of crap we don't want or need.

It costs more in monthly premiums, more out of pocket, more for scripts, more for primary visits, more for specialty visits, high deductible, high "contribution" level or whatever they call it, and a higher "split" after the out of pocket is met. A real piece of hot dog schit and NOTHING that I wanted or should have happened. Complete garbage.

Oh, and guess what else? Since they cancelled my policy "Due to the requirements of the ACA", and I had to re-enroll in a "compliant" (isn't that a cute little commie term?) plans, I'm probably included in Dawgs numbers.

So call me one of zerOcares "winners". F*ckwads.