"affordable health care" WHAT!!

[Anvilbrother 0]

I challenge you to go the site and see what "affordable" means to our government.

https://www.healthcare.gov/find-premium-estimates/

Here are a few of mine for a family of 3 (35yo, 32yo, and 7 yo)

Low tier-$514 per month $9,500 deductible

Mid tier-$814 per month $6,500 deductible

High tier-$954 per month $2,200 deductible

Play with the numbers if you enter in 150,000 vs 50,000 you pay over 3 times the amount.

Postes r made from an iPad or iPhone. Spelling and gramhair mistakes guaranteed move along,

[JohnnyMarko 1]

I posted it awhile ago but here's what mine came out to for a healthy, non smoking 24 year old male in Colorado

$145.70 a month, $5,000 deductible...

I wasn't too thrilled to HAVE to buy coverage, but now am glad I at least have something....too bad it's a fucking nightmare with the state exchange and my insurance provider. Over 2 months have gone by, 2 premiums paid, and I'm technically still not in the system (they are having volume issues matching payments to accounts).

As luck would have it, me running my stupid mouth about how healthy I am and don't need coverage, the 2nd day after my plan started I sprained my ACL and PCL snowboarding in Telluride. Still didn't have my insurance card (even tough they took my money), so I basically had to go the Kaiser P's headquarters and demand my coverage start since they took my money and I had everything on my end in line...

If I call KP, they have to contact the state exchange...If I call the state exchange, they have to call KP....it's just been a nightmare dealing with these damn companies...

Lesson learned? Register to vote.....

[wayneflorida 0]

Anvilbrother

I challenge you to go the site and see what "affordable" means to our government.

https://www.healthcare.gov/find-premium-estimates/

Here are a few of mine for a family of 3 (35yo, 32yo, and 7 yo)

Low tier-$514 per month $9,500 deductible

Mid tier-$814 per month $6,500 deductible

High tier-$954 per month $2,200 deductible

Play with the numbers if you enter in 150,000 vs 50,000 you pay over 3 times the amount.

I see you are keeping your doctor and saving $2,500.00Senator Reid says you are lying.

[DrewEckhardt 0]

JohnnyMarko

I posted it awhile ago but here's what mine came out to for a healthy, non smoking 24 year old male in Colorado

$145.70 a month, $5,000 deductible...

I was paying half that for my adult son in Colorado before ACA.

Quote

As luck would have it, me running my stupid mouth about how healthy I am and don't need coverage, the 2nd day after my plan started I sprained my ACL and PCL snowboarding in Telluride.

Health insurance isn't about getting $20 co-pays to see a doctor; it's about not going bankrupt or incurring other serious financial damage (retire 10 years later, sell your home and down-size to a studio apartment) when something bad happens.

Quote

Lesson learned? Register to vote.....

Unless you live in a (often Gerrymandered) district split evenly enough the race may go either way your vote does not matter.

Votes in excess of what it takes to get a plurality don't add to get more politicians representing your side and votes for the looser don't add to other loosing votes to get some representation.

This ignores whether the other side would actually do things differently. ACA is extremely similar to the Republican's 1994 health care reform bill and Massachusetts' law named after Republican Mitt Romney. They were the party (presidency and both houses of congress) who brought us the similarly expensive Medicare Part D.

[tkhayes 348]

My wife and I have been paying about $900/month for a decade now. that is just two of us.

You sound surprised yet I would think it's a pretty good deal to get a full family for under $1000/month

[jclalor 12]

Anvilbrother

I challenge you to go the site and see what "affordable" means to our government.

https://www.healthcare.gov/find-premium-estimates/

Here are a few of mine for a family of 3 (35yo, 32yo, and 7 yo)

Low tier-$514 per month $9,500 deductible

Mid tier-$814 per month $6,500 deductible

High tier-$954 per month $2,200 deductible

Play with the numbers if you enter in 150,000 vs 50,000 you pay over 3 times the amount.

I'm not sure where you live, but California is considerably cheaper. Are you factoring in the subsidies ?

I can't get the link to work, but for a middle tier, it's about $400 a month for the family you described based on a family of 3 making $50,000. I don't think the cost of insurance is based on income, only the subsidies that you will receive,

[jclalor 12]

I checked for Baton Rouge, the top plan for the family you listed making $150,000 was about $1000, the price of the plans for an income of $50,000 takes into account the subsidies, so they are about $200 less than a person making $150,000.

For a person making $50,000, the child would be covered by Chip and would not need to be on that parent's plan.


There were no plans that cost $2,700.

[sfzombie13 324]

i need to correct you on #3. one vote does count. how do you think you get that majority? one vote at a time. if not for the first one, the second never comes, etc. so if you don't vote, it won't count.

_________________________________________
Si hoc legere scis nimium eruditionis habes

[airdvr 210]

jclalor

***I challenge you to go the site and see what "affordable" means to our government.

https://www.healthcare.gov/find-premium-estimates/

Here are a few of mine for a family of 3 (35yo, 32yo, and 7 yo)

Low tier-$514 per month $9,500 deductible

Mid tier-$814 per month $6,500 deductible

High tier-$954 per month $2,200 deductible

Play with the numbers if you enter in 150,000 vs 50,000 you pay over 3 times the amount.

I'm not sure where you live, but California is considerably cheaper. Are you factoring in the subsidies ?

I can't get the link to work, but for a middle tier, it's about $400 a month for the family you described based on a family of 3 making $50,000. I don't think the cost of insurance is based on income, only the subsidies that you will receive,

Wait until people start learning the meaning of the word 'deductible'. I don't care what you are able to afford per month if you have a $9,500 deductible most younger people would be SOL.

Please don't dent the planet.

Destinations by Roxanne

[jclalor 12]

airdvr

******I challenge you to go the site and see what "affordable" means to our government.

https://www.healthcare.gov/find-premium-estimates/

Here are a few of mine for a family of 3 (35yo, 32yo, and 7 yo)

Low tier-$514 per month $9,500 deductible

Mid tier-$814 per month $6,500 deductible

High tier-$954 per month $2,200 deductible

Play with the numbers if you enter in 150,000 vs 50,000 you pay over 3 times the amount.

I'm not sure where you live, but California is considerably cheaper. Are you factoring in the subsidies ?

I can't get the link to work, but for a middle tier, it's about $400 a month for the family you described based on a family of 3 making $50,000. I don't think the cost of insurance is based on income, only the subsidies that you will receive,

Wait until people start learning the meaning of the word 'deductible'. I don't care what you are able to afford per month if you have a $9,500 deductible most younger people would be SOL.

The maximum deductible for a single person is $6,250 and $12,000 for a large family. We'll child visits and yearly check ups for adults are included, along with preventative care such as mammograms and colonoscopies.

On a slightly related note, perhaps it's still the fentanyl and versed talking, but my colonoscopy earlier today was a breeze, I highly recommend it.

[kelpdiver 2]

Iago

The deductibles are intentionally high. That is the next thing we will hear about- people that pay for insurance but can't pay the deductibles.

Lawrocket has often spoke on this - higher deductibles results in people taking their visits seriously, particularly with those people who have the flu and go in to demand antibiotics. It *should* translate to a lower monthly in exchange.

[Amazon 7]

It behooves people to get and heavily FUND HSA's for when feces occurs and you need to pay the out of pocket costs.

[jclalor 12]

Amazon

It behooves people to get and heavily FUND HSA's for when feces occurs and you need to pay the out of pocket costs.

The problem is that everyone does not have access to one.

[DrewEckhardt 0]

jclalor

***It behooves people to get and heavily FUND HSA's for when feces occurs and you need to pay the out of pocket costs.

The problem is that everyone does not have access to one.

Everyone buying an ACA Bronze or Silver plan can setup an HSA by visiting the nearest credit union or bank.

The $6350 out-of-pocket maximum is there to make the plans HSA compatible.

Most people getting insurance through the exchanges will do best financially by purchasing one of those plans and funding an HSA with pre-tax dollars than buying a more expensive gold or platinum plan with post-tax dollars.

When deciding how much I liked or disliked ACA I looked into what the numbers would be for my wife and I.

The least expensive bronze plan I could get for us was $700/month with a $5000 deductible ($10K family) and 40% co-insurance with a $6350 ($12.7K family) out-of-pocket maximum.

Silver was $933/month with a $2000 deductible and 30% co-insurance with $6350 out of pocket maximum for one unhealthy person. That plan made no sense - assuming a 28% Federal tax rate and 9.3% state tax rate I'd be better off with the bronze plan and setting up a HSA which would accumulate $4452 a year with the difference in price disregarding investment gains. IOW with this plan there's a small window of health situations in which I'd come out ahead in the first year.

A subsidy could change whether a bronze or silver plan made more sense (the subsidy is based on the difference between the appropriate share of your income and the second cheapest silver plan in your area).

Gold would run $1100 a month with "no deductible" and 20% co-insurance up to $6350. That made less sense than the silver plan because it's no longer a HDHP which is a 59.4% penalty on things like glasses and dental care for people in 28% / 9.3% state tax brackets. It cost $7655 more than the bronze plan in pre-tax dollars. With only one person developing health problems you'd be guaranteed to spend more because the bronze plan has a $6350 per-person out of pocket maximum.

Platinum would be $1263/month with no-deductible and 10% co-insurance up to $4000. $10,775 in pre-tax dollars more than the bronze plan. D-U-M-B. The chances of requiring health spending where you'd come out ahead versus the bronze plan are miniscule - either you're going to be way under or way over.