(01-23-2016 02:22 PM)stinkfist Wrote:  

(01-23-2016 02:07 PM)Smaug Wrote:  

(01-23-2016 02:05 PM)Fitbud Wrote:  

(01-22-2016 07:11 PM)Smaug Wrote:  

(01-22-2016 11:38 AM)Fitbud Wrote:  Forgive me however if I question the motives of someone who is more concerned with the sustainability of Obamacare over the affordability of insurance for their family.

What good is affordability if it isn't sustainable?

Because affordability is more expedient than sustainability.

I suppose you're right, for a few minutes, anyway.

I'm beginning to wonder if Fit got abducted by aliens at this point.....that man has adopted another train of thought.....

I've been reprogrammed

(01-23-2016 02:43 PM)Fitbud Wrote:  

(01-23-2016 02:22 PM)stinkfist Wrote:  

(01-23-2016 02:07 PM)Smaug Wrote:  

(01-23-2016 02:05 PM)Fitbud Wrote:  

(01-22-2016 07:11 PM)Smaug Wrote:  What good is affordability if it isn't sustainable?

Because affordability is more expedient than sustainability.

I suppose you're right, for a few minutes, anyway.

I'm beginning to wonder if Fit got abducted by aliens at this point.....that man has adopted another train of thought.....

I've been reprogrammed

(01-22-2016 07:27 PM)Kronke Wrote:  

(01-22-2016 07:00 PM)DexterDevil Wrote:  

(01-22-2016 04:44 PM)Fitbud Wrote:  

(01-22-2016 02:57 PM)200yrs2late Wrote:  

(01-22-2016 11:38 AM)Fitbud Wrote:  Sustainability is a fair question. Forgive me however if I question the motives of someone who is more concerned with the sustainability of Obamacare over the affordability of insurance for their family.

It is neither affordable nor sustainable.

It might not be affordable for you but for many others it is. Once more people are insured, medical expenses will go down across the board and with time, insurance premiums will stabilize.

I'm a broke 20 year old and owe the insurance company $300 for a sprained ankle after paying a $150 deductible, explain how ACA has helped me?

This is gibberish. Why would you owe an insurance company anything other than your premium?

The ACA helped you, because if you didn't have health insurance at all, instead of a $150 co-pay, you would have owed the entire bill.

He does owe the entire bill. He just doesnt owe his insurance company. His insurance company probably sent him a statement where they said they werent paying the balance on his bill because of his deductible. He probably meant he owes his doctor, which would be the case if it didnt fall under an office visit type of charge. (ie he required xrays, or if he went to the ER)

So the ACA didnt help him out at all, just like most every person in this situation. The deductibles are so high that an Obamacare policy doesnt kick in until you pay an assload out of pocket. Sprain an ankle, you are paying everything. Break a leg, you are paying everything.

(01-23-2016 02:34 PM)dawgitall Wrote:  

(01-23-2016 02:04 PM)blunderbuss Wrote:  

(01-23-2016 02:02 PM)dawgitall Wrote:  

(01-23-2016 01:56 PM)blunderbuss Wrote:  

(01-23-2016 12:36 PM)dawgitall Wrote:  Except that 200's numbers are way off. There are a couple of broad network plans in that price range with significantly lower deductibles.

I read the BCBS site too. Still ridiculously high. I have a 80/20 plan with $3k deductible through my employer for me and 2 dependents for less than those monthly costs. It's a sham for individual buyers. I'm sure it's worse for families.

But what does that policy cost when you combine your premium cost and the portion that your employer pays?

I really don't care. Isn't this supposed to be the AFFORDABLE Care Act? Bottom line is if you're successful in life and paying your own way you get screwed in this system. If you're a leech, you benefit greatly. Its sickening.

Sent from my VS980 4G using Tapatalk

If you work for an employer that offers health insurance you get a subsidy from your employer.

If you work for an employer that doesn't offer health insurance and make less than 48k as an individual or 97k in a family of 4 you get a subsidy, from the federal government.

If you work for an employer that doesn't offer health insurance and make more than 48k for an individual or 97k for a family of 4 then you pay the full cost.

I don't see how people going to work every day should be considered a leech just because they get a tax credit. Most people don't make over 48k a year and most families don't make 97k.

Greatly was the operative word there dawg.

Sent from my VS980 4G using Tapatalk

(01-23-2016 03:25 PM)blunderbuss Wrote:  

(01-23-2016 02:34 PM)dawgitall Wrote:  

(01-23-2016 02:04 PM)blunderbuss Wrote:  

(01-23-2016 02:02 PM)dawgitall Wrote:  

(01-23-2016 01:56 PM)blunderbuss Wrote:  I read the BCBS site too. Still ridiculously high. I have a 80/20 plan with $3k deductible through my employer for me and 2 dependents for less than those monthly costs. It's a sham for individual buyers. I'm sure it's worse for families.

But what does that policy cost when you combine your premium cost and the portion that your employer pays?

I really don't care. Isn't this supposed to be the AFFORDABLE Care Act? Bottom line is if you're successful in life and paying your own way you get screwed in this system. If you're a leech, you benefit greatly. Its sickening.

Sent from my VS980 4G using Tapatalk

If you work for an employer that offers health insurance you get a subsidy from your employer.

If you work for an employer that doesn't offer health insurance and make less than 48k as an individual or 97k in a family of 4 you get a subsidy, from the federal government.

If you work for an employer that doesn't offer health insurance and make more than 48k for an individual or 97k for a family of 4 then you pay the full cost.

I don't see how people going to work every day should be considered a leech just because they get a tax credit. Most people don't make over 48k a year and most families don't make 97k.

Greatly was the operative word there dawg.

Sent from my VS980 4G using Tapatalk

So who are these leeches you say benefit greatly?

(01-22-2016 08:02 AM)200yrs2late Wrote:  So as some of you know, last year I was one of the uninsured, and this year found out just how unaffordable Obamacare is to a 35 year old white male. In various other threads I have posted the available plans, premiums and detuctibles, with most of them being between $400 and $475 with a $6800 deductible and 20% copay. Last night I received the following text from Healthcar.gov (which has become increasingly aggravating with each of the deadlines approaching and passing).

Quote:You qualify for financial help @ Healthcare.gov Most people can pay monthly premiums of $75 of less. Enroll before 1/31 final deadline.

Now, my income is well above the threshold for receiving financial help, and there is no way that "most people" pay $75 or less. A five minute google search found the following:

Quote:The average ObamaCare premium rose to $408 per month for 2016 plans, about a 9 percent increase from this time last year, according to a new report from the Department of Health and Human Services.

However, 83 percent of ObamaCare enrollees pay far less than $408 because they get tax credits under the healthcare law. The average tax credit for 2016 is $294, meaning that the average share of the premiums that enrollees have to pay is $113. That is up $8 from the $105 people paid on average last year.

http://thehill.com/policy/healthcare/266...ses-to-408

Even after the subsidies, the govt is exaggerating the savings by roughly 50%

Why do they feel the need to lie to the bitter end?

More disturbing to me is the average person is receiving a 72% subsidy on their insurance! How does anybody with an ounce of brains think this is sustainable?

Your race is irrelevant, so just saying you are a 35 year old male would have sufficed. Its politics and they are spinning & probably have some data to back up their claim. Although fact checkers would probably debunk it.

(01-22-2016 10:16 AM)All Dukes_All Day Wrote:  Just curious, as I'm a bit younger for this board it seems and I went straight from parents plan to my employers plan after college, but how expensive was health insurance on the open market for a young, male in his late 20s with a decent income (say ~50k) before the implementation of the ACA?

Is dental insurance covered or an option on the ACA as well? In all honesty, dental insurance has been the only insurance I've needed to use in the last 5 years outside of going to get a yearly physical (which reduces my monthly premiums).

I do not think dental is an option in ACA. I have friends who support ACA and their premiums went up. It is a step in the right direction, but still not necessarily affordable for all. You are still young. I never really even went to the doctor unless I was in pain or really sick for years. UNtil I got older and things caught up with me. I had a health care plan through work for 28 years, and the the same plan now in retirement (although they could end this any year). I get some sunside for medical & pay about $325 a month, 800 deductible (in network - it i s a PPO), 2k out. Max out of pocket I think is 4K. Includes dental and vision. Pay about 1K a month for my partner who is not subsidized.

The problems are more complex. Went to oncologist last year (again) at GW Hospital in DC. Assumed lab work was covered. Got claim from collection agency recently and checked claim and am being billed over $800. Contacted GW & they refuse to provide in writing why the test were ordered & if they were even necessary & said labcorp performed the test so I need to contact them (yet the Doctor ordered them). Serious issues in medical industry.Gave me another number I can call on Monday. IMO there is an issue with the underlying cost of healthcare.

(01-23-2016 03:15 PM)UofMstateU Wrote:  

(01-22-2016 07:27 PM)Kronke Wrote:  

(01-22-2016 07:00 PM)DexterDevil Wrote:  

(01-22-2016 04:44 PM)Fitbud Wrote:  

(01-22-2016 02:57 PM)200yrs2late Wrote:  It is neither affordable nor sustainable.

It might not be affordable for you but for many others it is. Once more people are insured, medical expenses will go down across the board and with time, insurance premiums will stabilize.

I'm a broke 20 year old and owe the insurance company $300 for a sprained ankle after paying a $150 deductible, explain how ACA has helped me?

This is gibberish. Why would you owe an insurance company anything other than your premium?

The ACA helped you, because if you didn't have health insurance at all, instead of a $150 co-pay, you would have owed the entire bill.

He does owe the entire bill. He just doesnt owe his insurance company. His insurance company probably sent him a statement where they said they werent paying the balance on his bill because of his deductible. He probably meant he owes his doctor, which would be the case if it didnt fall under an office visit type of charge. (ie he required xrays, or if he went to the ER)

So the ACA didnt help him out at all, just like most every person in this situation. The deductibles are so high that an Obamacare policy doesnt kick in until you pay an assload out of pocket. Sprain an ankle, you are paying everything. Break a leg, you are paying everything.

Bingo! Someone figures it out! +2.

I don't think the ACA was ever meant to help everyone. I also find it strange that Republicans would be upset that it doesn't help them. Why would they want the governments help anyway?

(01-24-2016 04:03 PM)Fitbud Wrote:  I don't think the ACA was ever meant to help everyone. I also find it strange that Republicans would be upset that it doesn't help them. Why would they want the governments help anyway?

(01-24-2016 04:05 PM)dawgitall Wrote:  

(01-24-2016 04:03 PM)Fitbud Wrote:  I don't think the ACA was ever meant to help everyone. I also find it strange that Republicans would be upset that it doesn't help them. Why would they want the governments help anyway?

Before OBlundercare, my insurance allowed me access to affordable healthcare.

After OBlundercare, my insurance does not allow me affordable access to healtchcare.

Does this answer the question for the Obama blowing numbnuts?

We didnt ask for it to "help" us. But it was sold to the public as being beneficial to all of us, and instead has brought serious harm on many of us.

It was a lie. It is a lie.

(01-24-2016 04:03 PM)Fitbud Wrote:  I don't think the ACA was ever meant to help everyone. I also find it strange that Republicans would be upset that it doesn't help them. Why would they want the governments help anyway?

It was meant so that those who can't afford insurance can have it but its failing, I know several people near the same situation I'm in that is does not help who can barely afford bills as it is but because they have a working class job, I get to pay money to have insurance just so I have to pay a high deductible for using it? I'm rather sure this is not how socialized healthcare works and that this ACA is a load of corporate bull****.

(01-24-2016 04:33 PM)DexterDevil Wrote:  

(01-24-2016 04:03 PM)Fitbud Wrote:  I don't think the ACA was ever meant to help everyone. I also find it strange that Republicans would be upset that it doesn't help them. Why would they want the governments help anyway?

It was meant so that those who can't afford insurance can have it but its failing, I know several people near the same situation I'm in that is does not help who can barely afford bills as it is but because they have a working class job, I get to pay money to have insurance just so I have to pay a high deductible for using it? I'm rather sure this is not how socialized healthcare works and that this ACA is a load of corporate bull****.

pay the penalty (if you choose), go to the ER if you can't deal with the pain, pay wtfe or not the rest of your life....

that pretty much sums up what the 'ME' generation has to look forward to......

it's really simple in scope.....

(01-24-2016 04:33 PM)DexterDevil Wrote:  

(01-24-2016 04:03 PM)Fitbud Wrote:  I don't think the ACA was ever meant to help everyone. I also find it strange that Republicans would be upset that it doesn't help them. Why would they want the governments help anyway?

It was meant so that those who can't afford insurance can have it but its failing, I know several people near the same situation I'm in that is does not help who can barely afford bills as it is but because they have a working class job, I get to pay money to have insurance just so I have to pay a high deductible for using it? I'm rather sure this is not how socialized healthcare works and that this ACA is a load of corporate bull****.

Yep. The people who get screwed over the most are the working class. Someone has to pay for all of the free sh*t.

(01-24-2016 04:03 PM)Fitbud Wrote:  I don't think the ACA was ever meant to help everyone. I also find it strange that Republicans would be upset that it doesn't help them. Why would they want the governments help anyway?

Where the hell do you think the money for this schit comes from? Trees?

(01-24-2016 04:39 PM)stinkfist Wrote:  

(01-24-2016 04:33 PM)DexterDevil Wrote:  

(01-24-2016 04:03 PM)Fitbud Wrote:  I don't think the ACA was ever meant to help everyone. I also find it strange that Republicans would be upset that it doesn't help them. Why would they want the governments help anyway?

It was meant so that those who can't afford insurance can have it but its failing, I know several people near the same situation I'm in that is does not help who can barely afford bills as it is but because they have a working class job, I get to pay money to have insurance just so I have to pay a high deductible for using it? I'm rather sure this is not how socialized healthcare works and that this ACA is a load of corporate bull****.

pay the penalty (if you choose), go to the ER if you can't deal with the pain, pay wtfe or not the rest of your life....

that pretty much sums up what the 'ME' generation has to look forward to......

it's really simple in scope.....

True, but I always pay what I'm required to, it is my duty to do so under the current circumstances, and I made the mistake of not trusting my instinct not to go and listen to my dad about going to get xrays and now I will pay for a simple sprain.

(01-24-2016 04:51 PM)DexterDevil Wrote:  

(01-24-2016 04:39 PM)stinkfist Wrote:  

(01-24-2016 04:33 PM)DexterDevil Wrote:  

(01-24-2016 04:03 PM)Fitbud Wrote:  I don't think the ACA was ever meant to help everyone. I also find it strange that Republicans would be upset that it doesn't help them. Why would they want the governments help anyway?

It was meant so that those who can't afford insurance can have it but its failing, I know several people near the same situation I'm in that is does not help who can barely afford bills as it is but because they have a working class job, I get to pay money to have insurance just so I have to pay a high deductible for using it? I'm rather sure this is not how socialized healthcare works and that this ACA is a load of corporate bull****.

pay the penalty (if you choose), go to the ER if you can't deal with the pain, pay wtfe or not the rest of your life....

that pretty much sums up what the 'ME' generation has to look forward to......

it's really simple in scope.....

True, but I always pay what I'm required to, it is my duty to do so under the current circumstances, and I made the mistake of not trusting my instinct not to go and listen to my dad about going to get xrays and now I will pay for a simple sprain.

I'm dealing with the same thing on an entire other level now.....but I'm doing it my way....my arse is still recovering from pneumonia....

I'm done with all the stupid bullshite....and one day we all won't wake up....and that will be just fine as it always has been....

too many folks with too little cents.....

(01-24-2016 04:47 PM)UofMstateU Wrote:  

(01-24-2016 04:33 PM)DexterDevil Wrote:  

(01-24-2016 04:03 PM)Fitbud Wrote:  I don't think the ACA was ever meant to help everyone. I also find it strange that Republicans would be upset that it doesn't help them. Why would they want the governments help anyway?

It was meant so that those who can't afford insurance can have it but its failing, I know several people near the same situation I'm in that is does not help who can barely afford bills as it is but because they have a working class job, I get to pay money to have insurance just so I have to pay a high deductible for using it? I'm rather sure this is not how socialized healthcare works and that this ACA is a load of corporate bull****.

Yep. The people who get screwed over the most are the working class. Someone has to pay for all of the free sh*t.

What is your definition of working class? I'd say that the people that benefit the most from the ACA are the working class, individuals that make 20-40k a year, and families that combined make less than 75k. It is upper middle class that don't have an employer provided plan that get hurt financially, at least until they have major health issues. Then their butt is saved.

(01-24-2016 07:27 PM)dawgitall Wrote:  

(01-24-2016 04:47 PM)UofMstateU Wrote:  

(01-24-2016 04:33 PM)DexterDevil Wrote:  

(01-24-2016 04:03 PM)Fitbud Wrote:  I don't think the ACA was ever meant to help everyone. I also find it strange that Republicans would be upset that it doesn't help them. Why would they want the governments help anyway?

It was meant so that those who can't afford insurance can have it but its failing, I know several people near the same situation I'm in that is does not help who can barely afford bills as it is but because they have a working class job, I get to pay money to have insurance just so I have to pay a high deductible for using it? I'm rather sure this is not how socialized healthcare works and that this ACA is a load of corporate bull****.

Yep. The people who get screwed over the most are the working class. Someone has to pay for all of the free sh*t.

I'd say that the people that benefit the most from the ACA are the working class, individuals that make 20-40k a year

That's supposedly me then. Just means I'll avoid the doctors office and ER from now on.

(01-24-2016 04:33 PM)DexterDevil Wrote:  

(01-24-2016 04:03 PM)Fitbud Wrote:  I don't think the ACA was ever meant to help everyone. I also find it strange that Republicans would be upset that it doesn't help them. Why would they want the governments help anyway?

It was meant so that those who can't afford insurance can have it but its failing, I know several people near the same situation I'm in that is does not help who can barely afford bills as it is but because they have a working class job, I get to pay money to have insurance just so I have to pay a high deductible for using it? I'm rather sure this is not how socialized healthcare works and that this ACA is a load of corporate bull****.

How different do you think you would feel if during that visit for the sprained ankle the doctors noticed something of concern when they listened to your heart? Do you realize how great a deal that policy you have is when you suddenly start needing massive amounts of medical attention? Without it you couldn't even begin to pay for it all. Without that policy you are going to go into massive debt, and probably burden you parents financially was well.