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Obamacare

RandyForRubio

Well-Known Member
Is there anybody out there who still thinks this is a good thing?

I'm just asking because my insurance rates keep on going up, and I'm the very definition of low-middle class. I thought this **** was supposed to help me?! I'd be better off if I were a single parent, no job, and "disabled".







/insurance rant over
 
Is there anybody out there who still thinks this is a good thing?

I'm just asking because my insurance rates keep on going up, and I'm the very definition of low-middle class. I thought this **** was supposed to help me?! I'd be better off if I were a single parent, no job, and "disabled".







/insurance rant over

Were they going up before the ACA was enacted? More or less? Does the health of other people matter to you? And did you ACTUALLY say that if your circumstances were different, they'd be different? Why don't you get divorced, quit your job, and cut off your leg, then?
 
Is there anybody out there who still thinks this is a good thing?

I'm just asking because my insurance rates keep on going up, and I'm the very definition of low-middle class. I thought this **** was supposed to help me?! I'd be better off if I were a single parent, no job, and "disabled".







/insurance rant over

"That's not ok.
You can remove that picture, please."
 
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Were they going up before the ACA was enacted? More or less? Does the health of other people matter to you? And did you ACTUALLY say that if your circumstances were different, they'd be different? Why don't you get divorced, quit your job, and cut off your leg, then?

That is really not much of a response, i would think a supporter of aca could come up with something better than, " if you don't like it cut off your leg." Neverthless, I will answer your questions.

Yes, my premiums were going up before, and they continue to go up. They were increasing at a lower rate before aca. So for me there is nothing affordable about it. I don't make it a practice of discussing healthcare with lots of people but from my small sample size everyone I have talked with has had decreased coverage, increased cost or lost their group plan All together. I could cite personal stories, some tragic, some ironically comical. But even that does not tell the whole story, because the full weight of the aca has not been lowered on us. More measures are to be implemented in 2017, after the election mind you, that will increase rates more and start taxing people who have group insurance. It was sold as affordable, you can keep your plan, and cutting costs. can you point to any evidence that any of those things happened? It has penalized people, families and companies who had insurance previously.

The health of other people does matter to me, and so does their ability to obtain healthcare. Like you, I care more about the people around me, because I know them. As I mentioned all of the people around have had changes in health care and none of them for the better. One friend had a small business of 10 or so employees, before aca he offered health insurance to his employees. Now he does not. His wife and kids are on Medicaid and he is on VA insurance. Another friend getting close to retirement and self employed had his premiums double. He will be working until he dies or is 70. A third friend was raising his daughters children, and was the legal guardian, after his company dumped the insurance he spent over 20 hours working through buearcracy he put the kids on Medicaid, and now pays more for a single plan for himself than he previously paid for a family. A fourth friend had worked with a company for twelve years, she had her hours cut from 32 hours per week(with insurance) to 19.5hours per week with no insurance. She couldn't afford 'affordable care' and didn't qualify for Medicaid because of some assets she inherited. So she will spend her assets until she is run into the ground poor then sign up for social programs. I care about these people, are you suggesting that strangers far away are more deserving of health care? What criteria did you use to determine that some people are more deserving of health care than others? Also, how do I know strangers in a far away city are not experiencing the same thing as my friends? Please share specific examples of people helped by aca.

Well, like you I rather like my leg and see no sense in cutting off a perfectly healthy limb in order to save the health of the remaining body. It seems rather ironic that you cite self mutalation as a solution to health care issues. It seems extreme to me, i cringe at the thought of your suggestions for solving overcrowded schools.

As for giving up a job or a family. Is that really what the aca was intended to do? To reduce the number of people working? How does that help individuals, communities or the nation? Doesn't that encourage people on the edge of poverty to stay in poverty rather than make efforts to get out. Speaking of poverty, it is well established that kids coming from a two parent homepage a higher likelyhood of succeeding in college. Does the ACA really want to decreasestudent success by encouraging broken homes? The USA is currently 12th in the world in college graduation rates. How far would you like graduation rates to drop before corrective action is taken?
 
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My insurance went down 30 per cent. My deductible went down and cost to have kids went down by 66%

For me and my family, aca has been great.

Have you checked the cost of obtaining health insurance through the health care marketplace?
 
I purchased Obamacare last year for the first time because it was my only option. It was a hard decision to make because I had never paid so much for insurance and I have always been healthy so I thought maybe I should just take the risk of going without, but since I would have to pay a tax penalty for not having it I bit the bullet. I did not use my insurance a single time for the entire year, but I've just learned that my premiums will increase by 25% next year. The system has not worked at all as advertised for me. I guess maybe I should cut off my leg.
 
My insurance went down 30 per cent. My deductible went down and cost to have kids went down by 66%

For me and my family, aca has been great.

Have you checked the cost of obtaining health insurance through the health care marketplace?
I bought my insurance through the health care marketplace. I cannot imagine how you have done so much better than me. Do you qualify for subsidies?
 
My insurance went down 30 per cent. My deductible went down and cost to have kids went down by 66%

For me and my family, aca has been great.

Have you checked the cost of obtaining health insurance through the health care marketplace?

I've had the opposite tbh.

My rates have gone up, and I'm spending an obscene amount on healthcare.

I have a high deductible ($6000) and I'm paying ~$400 a month for my wife and I. Now I just find out that my newborn's hospital stay after birth doesn't count against my wife's deductible, but counts against her own individual one. So that's $4800 a year for premiums, $6000 for my wife's deductible, and currently $3500 (and that will go up) for my newborn. That's $14,300 to date. I don't make that much money, but I make enough that I can't get a subsidy. Right now my insurance and healthcare are costing 32% of my pre-tax income. My premiums alone are 11% of my pre-tax income.

I thought this would help people like me who don't make that much, but I guess not. I'm young and have to pay for old people and broke people. Who cares if it makes me go broke in the process.



I'm honestly just frustrated. I try to do things the right way, and pay what I should. These numbers just seem obscene to me, that's all.
 
That is really not much of a response, i would think a supporter of aca could come up with something better than, " if you don't like it cut off your leg." Neverthless, I will answer your questions.

You said that you would be better off

a single parent, no job, and "disabled"

I was merely trying to see if you were willing to put your money where your mouth is, so to speak. Apparently, you're not.
 
I've had the opposite tbh.

My rates have gone up, and I'm spending an obscene amount on healthcare.

I have a high deductible ($6000) and I'm paying ~$400 a month for my wife and I. Now I just find out that my newborn's hospital stay after birth doesn't count against my wife's deductible, but counts against her own individual one. So that's $4800 a year for premiums, $6000 for my wife's deductible, and currently $3500 (and that will go up) for my newborn. That's $14,300 to date. I don't make that much money, but I make enough that I can't get a subsidy. Right now my insurance and healthcare are costing 32% of my pre-tax income. My premiums alone are 11% of my pre-tax income.

I thought this would help people like me who don't make that much, but I guess not. I'm young and have to pay for old people and broke people. Who cares if it makes me go broke in the process.



I'm honestly just frustrated. I try to do things the right way, and pay what I should. These numbers just seem obscene to me, that's all.

So, your real frustration is that you didn't examine your plan well enough before you chose it. Why on earth would you think that your child's health care would be charged against your wife's deductible?
 
So, your real frustration is that you didn't examine your plan well enough before you chose it. Why on earth would you think that your child's health care would be charged against your wife's deductible?

Well ya see buddy, on occasion pregnancies aren't planned. Shocker, I know. So yes, I chose a plan not counting on having a kid. Even so, with previous insurance you used to have a family deductible. Now a family deductible is just all the individual deductibles added up, so in my case that would be $18,000 out of pocket.
 
You said that you would be better off



I was merely trying to see if you were willing to put your money where your mouth is, so to speak. Apparently, you're not.

Literally all it takes to be "disabled" is to be obese. Or have a bad back. It ain't difficult, and it is abused. My sister gets patient after patient that's "disabled". It's very real.
 
I dont have an opinion one way or another but I would be curious if anyone has any real evidence of it being good or bad for the average American instead of all this anecdotal evidence.

I have not had insurance for years. I am healthy and have not needed to go to a doctor for anything major in a long time. As far as paying the penalty on taxes I have just claimed I could not afford insurance and dont get penalized.

The plans I look at through the obama care site look way over priced but insurance plans were way overpriced before obama care and they also had way more stipulations and restrictions.
 
Obamacare is not working. Many insurers are failing. Insurance is supposed to be risk sharing, but Obamacare took the risk incentive out for young low to low middle class people by having a small penalty and no preexisting conditions, ever.

Poorer people realize they have no reason to buy in unless they get sick. I would have understood a 1-3 year exemption from preexisting conditions while everyone was supposed to sign up, and if you didn't then in addition to the penalty, you loose the benefit of a pre-existing condition waiver.

Costs are going up at higher rates due to the inclusion of high cost individuals that haven't been contributing to the "risk pool". It is essentially allowing people to buy homeowners insurance after their house burns down.

In 2018 the "cadillac tax" will kick in for many plans. Just wait and see how costs go up for what the government considers to be plans that have very rich coverage.
 
I've had the opposite tbh.

My rates have gone up, and I'm spending an obscene amount on healthcare.

I have a high deductible ($6000) and I'm paying ~$400 a month for my wife and I. Now I just find out that my newborn's hospital stay after birth doesn't count against my wife's deductible, but counts against her own individual one. So that's $4800 a year for premiums, $6000 for my wife's deductible, and currently $3500 (and that will go up) for my newborn. That's $14,300 to date. I don't make that much money, but I make enough that I can't get a subsidy. Right now my insurance and healthcare are costing 32% of my pre-tax income. My premiums alone are 11% of my pre-tax income.

I thought this would help people like me who don't make that much, but I guess not. I'm young and have to pay for old people and broke people. Who cares if it makes me go broke in the process.



I'm honestly just frustrated. I try to do things the right way, and pay what I should. These numbers just seem obscene to me, that's all.

32% of your income?! That's ****ing crazy. Mine is about 9%. But it is through employer.
 
To be fair, my insurance is just 12%. It's the other stuff that's killing me. I'm just venting.

So I misread, mine is 9% of my post-tax income! And my deductible is a FRACTION of yours. Are you self-employed?
 
Nope, and my employer (my father) doesn't offer health insurance.

Man. That's really rough. The health care situation (before and after Obamacare) is out of control in this country.
 
Man. That's really rough. The health care situation (before and after Obamacare) is out of control in this country.

Pretty much. I'm not saying what we had before was good, but how is what we have a fix? I guess that's what we get for letting insurance companies write it, and for our "leaders" telling us that we have to pass the bill to find out what's in it.
 
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