Biggest scam in human history.

Suckers that bought this line of garbage should have to wear sandwich boards around town so that people can point and laugh.

(10-26-2016 11:34 AM)200yrs2late Wrote:  just shopped around on healthcare.gov. Plans from $460 to $660. Only 5 to choose from.

That's two more than my employer offers.

(10-26-2016 11:35 AM)Fitbud Wrote:  

(10-26-2016 11:34 AM)200yrs2late Wrote:  just shopped around on healthcare.gov. Plans from $460 to $660. Only 5 to choose from.

That's two more than my employer offers.

Point? Your employer pays for part of yours, therefore he gets a say in what he offers.

(10-26-2016 11:38 AM)200yrs2late Wrote:  

(10-26-2016 11:35 AM)Fitbud Wrote:  

(10-26-2016 11:34 AM)200yrs2late Wrote:  just shopped around on healthcare.gov. Plans from $460 to $660. Only 5 to choose from.

That's two more than my employer offers.

Point? Your employer pays for part of yours, therefore he gets a say in what he offers.

I don't disagree. I'm simply pointing out that despite all the hand wringing over price hikes, affordable insurance can still be had from the gov.

(10-26-2016 11:41 AM)Fitbud Wrote:  

(10-26-2016 11:38 AM)200yrs2late Wrote:  

(10-26-2016 11:35 AM)Fitbud Wrote:  

(10-26-2016 11:34 AM)200yrs2late Wrote:  just shopped around on healthcare.gov. Plans from $460 to $660. Only 5 to choose from.

That's two more than my employer offers.

Point? Your employer pays for part of yours, therefore he gets a say in what he offers.

I don't disagree. I'm simply pointing out that despite all the hand wringing over price hikes, affordable insurance can still be had from the gov.

$460 a month with a high deductible isn't affordable.

(10-26-2016 11:34 AM)Fitbud Wrote:  

(10-26-2016 09:59 AM)boroeagle2 Wrote:  Just as an anecdote, I went and "shopped" on Healthcare.gov this morning because I read something that said even with the increases that are being talked about so much lately, many plans will still be less than similar work provided healthcare. I have a family of 4 in GA and make less than 100k, there were about 18 "Silver" plans that had similar or lower premiums, many of which had an equal or lower deductible and comparable rates for primary care visits, generic prescriptions, etc. to what I have now.

Very surprising.

Shhhhhhhh. Don't upset them with facts.

I just did it for Georgia.

VERY SURPRISING.

Anything in the $400 range has $6000-$7000 deductible FOR A SINGLE PERSON TO BE INSURED.


Next surprising thing, I looked for coverage for a family of 4 and got nothing back.

SURPRISING!

(10-26-2016 11:47 AM)200yrs2late Wrote:  

(10-26-2016 11:41 AM)Fitbud Wrote:  

(10-26-2016 11:38 AM)200yrs2late Wrote:  

(10-26-2016 11:35 AM)Fitbud Wrote:  

(10-26-2016 11:34 AM)200yrs2late Wrote:  just shopped around on healthcare.gov. Plans from $460 to $660. Only 5 to choose from.

That's two more than my employer offers.

Point? Your employer pays for part of yours, therefore he gets a say in what he offers.

I don't disagree. I'm simply pointing out that despite all the hand wringing over price hikes, affordable insurance can still be had from the gov.

$460 a month with a high deductible isn't affordable.

Mine came out to 382 a month.

(10-26-2016 12:08 PM)Fitbud Wrote:  

(10-26-2016 11:47 AM)200yrs2late Wrote:  

(10-26-2016 11:41 AM)Fitbud Wrote:  

(10-26-2016 11:38 AM)200yrs2late Wrote:  

(10-26-2016 11:35 AM)Fitbud Wrote:  That's two more than my employer offers.

Point? Your employer pays for part of yours, therefore he gets a say in what he offers.

I don't disagree. I'm simply pointing out that despite all the hand wringing over price hikes, affordable insurance can still be had from the gov.

$460 a month with a high deductible isn't affordable.

Mine came out to 382 a month.

unsubsidized on healthcare.gov or is that your share of your employers plan?

(10-25-2016 11:53 AM)Fitbud Wrote:  Still waiting for someone to explain how the Affordable Health Care Act has anything to do with insurance premiums.

Seriously?

(10-25-2016 12:11 PM)Fitbud Wrote:  This is all their fault? Me thinks someone is forgetting that health insurance rose an average of 15% per year since 2000.

Me thinks someone is forgetting that 22 > 15 and we were told that the ACA would SLOW the rate of growth. Ignoring completely that the rate of growth had been declining and that the primary reason it's 22% and not 30%+ is that we're increasing moving from PPO/POS plans to HMO/Network Only plans.

(10-26-2016 09:59 AM)boroeagle2 Wrote:  Just as an anecdote, I went and "shopped" on Healthcare.gov this morning because I read something that said even with the increases that are being talked about so much lately, many plans will still be less than similar work provided healthcare. I have a family of 4 in GA and make less than 100k, there were about 18 "Silver" plans that had similar or lower premiums, many of which had an equal or lower deductible and comparable rates for primary care visits, generic prescriptions, etc. to what I have now.

Very surprising.

Are you really surprised that the 'federally mandated' rates are similar? The 25% increase is for NEXT year... after Obama is out of office... so that he/they will be able to claim that rates rose 25% under 'whomever is next', and not Obama.



ETA: It could also be that your employer is subsidizing your policy, or that they are simply offering you 'silver' exchange policy equivalents.

(10-26-2016 12:00 PM)UofMstateU Wrote:  

(10-26-2016 11:34 AM)Fitbud Wrote:  

(10-26-2016 09:59 AM)boroeagle2 Wrote:  Just as an anecdote, I went and "shopped" on Healthcare.gov this morning because I read something that said even with the increases that are being talked about so much lately, many plans will still be less than similar work provided healthcare. I have a family of 4 in GA and make less than 100k, there were about 18 "Silver" plans that had similar or lower premiums, many of which had an equal or lower deductible and comparable rates for primary care visits, generic prescriptions, etc. to what I have now.

Very surprising.

Shhhhhhhh. Don't upset them with facts.

I just did it for Georgia.

VERY SURPRISING.

Anything in the $400 range has $6000-$7000 deductible FOR A SINGLE PERSON TO BE INSURED.


Next surprising thing, I looked for coverage for a family of 4 and got nothing back.

SURPRISING!

GOOD NEWS! I can see some policies for a family of 4 now. The OBlundercare site was just screwed up.

SURPRISE!!! A policy for a family of 4 is about $600 a month with a $12,000 deductible.

Yea, thats about $20K out of pocket per year before I get any benefits of insurance coverage.

SURPRISE!

(10-26-2016 11:34 AM)rath v2.0 Wrote:  Biggest scam in human history.

Suckers that bought this line of garbage should have to wear sandwich boards around town so that people can point and laugh.

Agreed.

Obama always intended for Obamacare to fail, for our economy and healthcare system to become such a disaster that we'd have no choice but to institute a single payer system.

It is indisputable. He is on record as saying he wants to end employer-provided health coverage...

The are only 2 explanations. That's it/

Either that are so stupid they actually thought this crappy legislation would work...hahahahah!

Or...

This has always been the slow march to single payer universal crappy government healthcare. They knew this thing was going to implode. Con artists and criminals and they are all working to bend over the middle class.

Right now the max penalty for not having insurance is $2K per year.

With republicans in charge of the congress, that amount may not ever go up, even if turd for brains wins the presidency.

So, I could see insurers begin to offer non-Obamacare compliant PPO policies, where the price of those real-insurance policies and the price of the penalty could be less than the premium for an Obamacare policy. Plus, you'd have real insurance that pays without having to ring up a multi-thousand dollar deductible first.

(10-26-2016 01:06 PM)Hambone10 Wrote:  

(10-25-2016 11:53 AM)Fitbud Wrote:  Still waiting for someone to explain how the Affordable Health Care Act has anything to do with insurance premiums.

Seriously?

(10-25-2016 12:11 PM)Fitbud Wrote:  This is all their fault? Me thinks someone is forgetting that health insurance rose an average of 15% per year since 2000.

Me thinks someone is forgetting that 22 > 15 and we were told that the ACA would SLOW the rate of growth. Ignoring completely that the rate of growth had been declining and that the primary reason it's 22% and not 30%+ is that we're increasing moving from PPO/POS plans to HMO/Network Only plans.

(10-26-2016 09:59 AM)boroeagle2 Wrote:  Just as an anecdote, I went and "shopped" on Healthcare.gov this morning because I read something that said even with the increases that are being talked about so much lately, many plans will still be less than similar work provided healthcare. I have a family of 4 in GA and make less than 100k, there were about 18 "Silver" plans that had similar or lower premiums, many of which had an equal or lower deductible and comparable rates for primary care visits, generic prescriptions, etc. to what I have now.

Very surprising.

Are you really surprised that the 'federally mandated' rates are similar? The 25% increase is for NEXT year... after Obama is out of office... so that he/they will be able to claim that rates rose 25% under 'whomever is next', and not Obama.

So 2018 then? Because I'm pretty sure what I was looking at was for 2017, which is "next year."

(10-26-2016 01:06 PM)Hambone10 Wrote:  

(10-25-2016 11:53 AM)Fitbud Wrote:  Still waiting for someone to explain how the Affordable Health Care Act has anything to do with insurance premiums.

Seriously?

(10-25-2016 12:11 PM)Fitbud Wrote:  This is all their fault? Me thinks someone is forgetting that health insurance rose an average of 15% per year since 2000.

Me thinks someone is forgetting that 22 > 15 and we were told that the ACA would SLOW the rate of growth. Ignoring completely that the rate of growth had been declining and that the primary reason it's 22% and not 30%+ is that we're increasing moving from PPO/POS plans to HMO/Network Only plans.

(10-26-2016 09:59 AM)boroeagle2 Wrote:  Just as an anecdote, I went and "shopped" on Healthcare.gov this morning because I read something that said even with the increases that are being talked about so much lately, many plans will still be less than similar work provided healthcare. I have a family of 4 in GA and make less than 100k, there were about 18 "Silver" plans that had similar or lower premiums, many of which had an equal or lower deductible and comparable rates for primary care visits, generic prescriptions, etc. to what I have now.

Very surprising.

Are you really surprised that the 'federally mandated' rates are similar? The 25% increase is for NEXT year... after Obama is out of office... so that he/they will be able to claim that rates rose 25% under 'whomever is next', and not Obama.

My understand was that Obamacare was supposed to slow the rate of growth in the cost of health care. Not health care insurance.

(10-26-2016 01:12 PM)UofMstateU Wrote:  

(10-26-2016 12:00 PM)UofMstateU Wrote:  

(10-26-2016 11:34 AM)Fitbud Wrote:  

(10-26-2016 09:59 AM)boroeagle2 Wrote:  Just as an anecdote, I went and "shopped" on Healthcare.gov this morning because I read something that said even with the increases that are being talked about so much lately, many plans will still be less than similar work provided healthcare. I have a family of 4 in GA and make less than 100k, there were about 18 "Silver" plans that had similar or lower premiums, many of which had an equal or lower deductible and comparable rates for primary care visits, generic prescriptions, etc. to what I have now.

Very surprising.

Shhhhhhhh. Don't upset them with facts.

I just did it for Georgia.

VERY SURPRISING.

Anything in the $400 range has $6000-$7000 deductible FOR A SINGLE PERSON TO BE INSURED.


Next surprising thing, I looked for coverage for a family of 4 and got nothing back.

SURPRISING!

GOOD NEWS! I can see some policies for a family of 4 now. The OBlundercare site was just screwed up.

SURPRISE!!! A policy for a family of 4 is about $600 a month with a $12,000 deductible.

Yea, thats about $20K out of pocket per year before I get any benefits of insurance coverage.

SURPRISE!

I'm in the Atlanta area and I saw several with deductibles much less than that. What part of GA are you in or searching for?

(10-26-2016 01:51 PM)UofMstateU Wrote:  Right now the max penalty for not having insurance is $2K per year.

With republicans in charge of the congress, that amount may not ever go up, even if turd for brains wins the presidency.

So, I could see insurers begin to offer non-Obamacare compliant PPO policies, where the price of those real-insurance policies and the price of the penalty could be less than the premium for an Obamacare policy. Plus, you'd have real insurance that pays without having to ring up a multi-thousand dollar deductible first.

My brother has something similar to that. Hes a young, single guy who doesn't get sick that often... He has a no deductible, high max out of pocket (maybe $20k out of pocket) insurance plan that he pays $85-100/month for. But it doesn't meet Obamacare "standards" so he also has to pay the same penalty that uninsured people do. Basically, he only has it in case something catastrophic happens.

The cost of the plan plus the penalty, was a 1/3rd of what his basic plan in the exchange would have costed him.

(10-26-2016 01:51 PM)UofMstateU Wrote:  Right now the max penalty for not having insurance is $2K per year.

With republicans in charge of the congress, that amount may not ever go up, even if turd for brains wins the presidency.

So, I could see insurers begin to offer non-Obamacare compliant PPO policies, where the price of those real-insurance policies and the price of the penalty could be less than the premium for an Obamacare policy. Plus, you'd have real insurance that pays without having to ring up a multi-thousand dollar deductible first.

except there are so many more issues than this. If all those people leave, the costs for everyone else skyrockets.

The solution is an insurance donut and an expansion of medicare, not medicaid.

Basics are covered as are catastrophes (much like you suggest people would do... paying the $2,000 'premium' for basic care and then buying a catastrophic policy). For anything above the basics, much like the Medicare 20% copay, you pay out of pocket. Medicaid can supplement the poor (including the elderly poor) and the middle class and higher can buy gap insurance if they are risk averse.

Won't happen because Democrats only didn't do this so as to avoid bloating the Federal deficit... Republicans sure as hell aren't going to fall on their swords to fix what Democrats intentionally screwed up.

Yes, I KNOW they intentionally did this. Why else would you hope to incentivize states to expand medicaid and then beat up those who didn't when the mechanism to solve the issue was already in place?

(10-26-2016 02:23 PM)boroeagle2 Wrote:  

(10-26-2016 01:12 PM)UofMstateU Wrote:  

(10-26-2016 12:00 PM)UofMstateU Wrote:  

(10-26-2016 11:34 AM)Fitbud Wrote:  

(10-26-2016 09:59 AM)boroeagle2 Wrote:  Just as an anecdote, I went and "shopped" on Healthcare.gov this morning because I read something that said even with the increases that are being talked about so much lately, many plans will still be less than similar work provided healthcare. I have a family of 4 in GA and make less than 100k, there were about 18 "Silver" plans that had similar or lower premiums, many of which had an equal or lower deductible and comparable rates for primary care visits, generic prescriptions, etc. to what I have now.

Very surprising.

Shhhhhhhh. Don't upset them with facts.

I just did it for Georgia.

VERY SURPRISING.

Anything in the $400 range has $6000-$7000 deductible FOR A SINGLE PERSON TO BE INSURED.


Next surprising thing, I looked for coverage for a family of 4 and got nothing back.

SURPRISING!

GOOD NEWS! I can see some policies for a family of 4 now. The OBlundercare site was just screwed up.

SURPRISE!!! A policy for a family of 4 is about $600 a month with a $12,000 deductible.

Yea, thats about $20K out of pocket per year before I get any benefits of insurance coverage.

SURPRISE!

I'm in the Atlanta area and I saw several with deductibles much less than that. What part of GA are you in or searching for?

I searched Norcross.