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Obamacare

Last post 02-19-2014, 8:24 AM by mkgilstrap. 25 replies.
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  •  10-26-2013, 7:27 AM 201176

    Obamacare

    Well, the results of the effects and provisions of the Affordable Care Act are beginning to come in.  From what I see, predictably, folks with pre-existing conditions and the very poor are benefitting by either greatly reduced or almost free insurance.  But on the other hand, many healthy folks have seen two effects.  First, many have had their plans cancelled due to the increased provisions required by the ACA.  Only those on employer plans have not seen these notices yet due to the Obama Administration delaying the employer mandate for one year.  Evidentially, later in 2014' they will receive the same kind of notices already received by those who have private plans as employers must update their plans also.  So Obama lied when he said repeatedly that you could keep your plan if you liked it.  You can't.  Secondly, premiums have dramatically increased for almost everyone who didn't have a pre-existing condition. President Obama said repeatedly premiums would go down and every family would save 2500 per family.  Another lie.  

     

    I have already been on the ACA website before it crashed.  My cheapest option is 493/month with a 7000 deductible.  This is no deal.  Not even close. I will lay out 13000 before my insurance kicks in, and then they will only pay 70% of the rest.  I do get a free checkup every year, a 6000 checkup.  Again, no deal.   Obama promised I would get more for less.  He lied.  I am getting less for a lot more.  I am considering paying the fine, which in my case will be about 1200.

     

    Anyone else want to share any relevant info on the ACA or their experiences so far? 


    Make each day count to improve yourself and those around you
  •  10-27-2013, 8:00 PM 201177 in reply to 201176

    Re: Obamacare

    Tough luck. Maybe had your governor opened up the exchanges instead of grandstanding, you would have more options and better prices. I do agree the pricing you had shown is ***, but then again, I don't really believe your figures. My family was always covered through my employer. I have a $70 annual co-pay, after that it's 20-80. I believe this runs me around $400 per month, and I am sure my employer pays that much as well. But whatever, like Republicans say, I got mine, work harder.

    Sic semper tyrannis
    ~War is Peace~Freedom is Slavery~Ignorance is Strength~ George Orwell "1984"


  •  10-28-2013, 11:55 PM 201178 in reply to 201177

    Re: Obamacare

    I see you guys are still going at each-other. 

    I quit my business back in July, so I no longer need to buy individual insurance.  Up until then I had one from Coventry and paid $100/month for an HD plan.  I did have a $10000 deductible though.  This was good for me since I rarely see a doctor and wanted to have a low monthly premium.  Plus, I qualified for healthequity HSA account which was nice.  

    I checked their website and while I cannot find any plans with $10000 deductible, but they have ones with $5000 deductible for just over $200/month.  This is certainly a much better option for you then what you've been quoted.  

    I don't know if all insurers are on the exchange, but hopefully as more of them join the competition will drive prices down. 

    Good luck to you. 


    Sasha

    -------------------
    Too many people debate as if the point is to show who is smarter, rather than which conclusion is correct.
  •  11-02-2013, 9:29 AM 201179 in reply to 201178

    Re: Obamacare

    I, too went outside the exchange and found catastrophic type policies for just over 200/month from BCBS with 10000 deductible.  Yearly cap 13000, with my maternity care and Pap smear coverage.  Cheap enough, but could have been cheaper.  Sure beats the exchange prices I saw.  I, too, GT, used to buy these policies for around 100/month.  So much for the President's promise to drive costs down.  

    I have accepted that Ahtoh is intelligent, just not so smart, and lacks any foresight about what the long term effects of decisions may be.  Gotta love him.  He likes the CHERRY flavored Koolaid from the democrats.   


    Make each day count to improve yourself and those around you
  •  11-03-2013, 2:08 AM 201180 in reply to 201179

    Re: Obamacare

    Exactly, like you're saying. It could have been cheaper, had -=some=- states cooperated in exchanges. This is supposed to be the price discovery mechanism, and it's not fully implemented. Forcing some free markets competition is not too controversial of an idea. Are we getting the real price discovery right now? No. Of course not. This newly created market place is an index, and it requires proper management, and maintenance, and yes, pooling of common resources. The ageist aspect of it is offset by the consolidation, by pool of purchasing power. This sure beats having no plan at all. Welcome to the 21st century, America! 

    Sic semper tyrannis
    ~War is Peace~Freedom is Slavery~Ignorance is Strength~ George Orwell "1984"


  •  11-03-2013, 3:51 PM 201181 in reply to 201180

    Re: Obamacare

    it's so funny watching you all...I bet top $$ that not one of you have read the actual legislation on all this. Which means that all of you are just arguing someone's view point (ie, democrat, republican, tea party, liberal, whatever) that you heard in either media, radio, internet, etc. Truth is, you believe whoever you believe. Even if someone convinced you, I'm sure someone else could give a good counter argument using other points of this legislation. No one knows. According to my insurance guy, my insurance will go up in 2014 "because of obama care". But that is to be seen. You all should argue something else, because even if obama care is really bad (I lean toward this not based on facts but just based on gut instinct, but I don't argue about it with anyone) or if it is really good, there's no data at this point so it's a waste of time to debate this.
  •  11-04-2013, 11:01 AM 201182 in reply to 201181

    Re: Obamacare

    What exactly is the top $$ you were betting? All the while basing your opinion on what, your "insurance sales guy"? You really told us, II

    You don't need to read the entire legislation to understand the major provisions of the healthcare act. Some of us hire professionals who help us interpret the law and assess its the impact on our current plans.

    Here's the link of the most recent presentation I've attended, this was featured at Tampa Bay treasury forum 2013  http://www.tbafp.org/resource/resmgr/2013_annual_forum/3b_healthcare_reform.pptx

    It was a great discussion and it certainly helped me to learn a great deal about "Obama Care". Besides, I think you are missing the bigger point here, no one says the law is perfect, but it's a step in the right direction and the change from the status quo of denial that there is even an issue. If the law needs tweaking, it will be amended. I personally think a single payer system is the way to go, but it maybe just the socialist in me talking.

     

     



    Sic semper tyrannis
    ~War is Peace~Freedom is Slavery~Ignorance is Strength~ George Orwell "1984"


  •  11-04-2013, 12:42 PM 201183 in reply to 201182

    Re: Obamacare

    there is only one part I don't get - where is the "affordable" part of "Affordable Healthcare plan" !?!?!

    Affordable to whom ?

     


    - Независимость - это когда в 20-й раз наступаешь на одни и те же грабли, а русские уже ни при чем....
  •  11-04-2013, 12:55 PM 201184 in reply to 201183

    Re: Obamacare

    I am guessing to people who could not afford any coverage before (like those with pre-existing conditions), people who will be subsidized due to low incomes, and hopefully more and more people are various states implement exchanges

    Sic semper tyrannis
    ~War is Peace~Freedom is Slavery~Ignorance is Strength~ George Orwell "1984"


  •  11-05-2013, 5:09 AM 201185 in reply to 201184

    Re: Obamacare

    No doubt the two groups you mentioned will benefit, but who will pay?  The ACA wasn't sold to us as another entitlement.  The people were promised universal premium reduction of around 2500 per family.  The groups you mentioned are supposed to be subsidized by healthy young people who will enroll in the ACA through exchanges and other means.  So far, this group is a no show, but granted, there is still time.  If this group doesn't show up, the ACA will become an enormous boondoggle entitlement costing the taxpayers plenty.  Good luck trying to convince the twenty something's to buy health insurance.


     


    Make each day count to improve yourself and those around you
  •  11-05-2013, 8:58 AM 201186 in reply to 201185

    Re: Obamacare

     



    Sic semper tyrannis
    ~War is Peace~Freedom is Slavery~Ignorance is Strength~ George Orwell "1984"


  •  11-05-2013, 12:26 PM 201187 in reply to 201184

    Re: Obamacare

    AHTOH:
    I am guessing to people who could not afford any coverage before

     

     Aren't those the same people who have no extra money anyway and we're expecting them to pay something now, where they didn't pay nothing before ?

     

    (like those with pre-existing conditions), people who will be subsidized due to low incomes, and hopefully more and more people are various states implement exchanges

    pre-existing conditions are the only people for which this is a good plan.

    Everyone else appear to discover coverage's that are much more expensive than their current ones.. 

    What on earth would compel insurance companies to lower prices in this exchanges ?

     

     


    - Независимость - это когда в 20-й раз наступаешь на одни и те же грабли, а русские уже ни при чем....
  •  11-05-2013, 1:39 PM 201188 in reply to 201187

    Re: Obamacare

    GB, you are right on the mark with this. Typically, competition would help lower prices. Of course, competition only works in "free markets" which are far and few in between in this country (and increasingly, the world). No one can simply "legislate" lower prices, the price discounts were to come out of the exchanges and the economies of scale associated with them. Maybe we are in the early stages of it right now, or perhaps the HMO/insurance industries have consolidated to a point where price competition is no longer a viable option. Or perhaps the states where Republican governors prevented the exchanges from being formed in the first place are the ones stuck with higher than average premiums, although AHCA did provision for cross-state policies...Markets take time to adjust in order to produce a meaningful price discovery, and considering all the variables involved it may or may not pan out. I can only judge from my own anecdotal evidence. I work for a Fortune index company, we employ over 10,000 people and none of our existing policies were affected in any material way. That's all I know, in addition to what I learned during a seminar on this subject.

    Sic semper tyrannis
    ~War is Peace~Freedom is Slavery~Ignorance is Strength~ George Orwell "1984"


  •  11-06-2013, 6:34 AM 201189 in reply to 201188

    Re: Obamacare

    Does the end justify the means?

    each family will save an average of 2500 per year.  Period.

    if you like your plan, you can keep your plan.  Period.

    you can keep your doctor. Period.

    premiums will go down and the quality of care will go up.

    this is not what is happening.

     

     


    Make each day count to improve yourself and those around you
  •  11-06-2013, 4:31 PM 201192 in reply to 201188

    Re: Obamacare

    Anton, 

    I think we're in fortune 500, we have over 50000 workers around the  world and our premiums have gone up every year...  I do not think there is a market in healthcare... there are 4-5 major players who control everything and who do not truly compete with each other...

    If everyone has to buy health coverage means the prices can stay as high as they want.  


    - Независимость - это когда в 20-й раз наступаешь на одни и те же грабли, а русские уже ни при чем....
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