Even More Obamacare Follies

#2,902
#2,902
Gramps said:
It needs to be repealed, start over with something that will work and keep a few of the good things it does do.
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It's about time you dropped your "just tweak it" stance.

No one truly knows what's in it and everything we were told turned out to be a lie just to get it passed. Just don't hand the responsibility over to the insurance companies this time
 
#2,904
#2,904
Gramps said:
I am in the "Something needs to be done to healthcare " group. While the ACA fixed a few problems, it has caused more problems than it has fixed. I have always stated the ACA needs to be tweaked/fixed. I still think there can be some major changes made to it but neither side is willing to sit down and actually work on it. I do not see that happening. In order for the ACA to work all 50 states are going to have to participate in it. They will not in it's current state. It needs to be repealed, start over with something that will work and keep a few of the good things it does do.



My Representative, Phil Roe, did not vote for it , but I did vote to reelect him and Lamar. Haslam did not participate in the ACA expansion, I also voted for him to be reelected.


I think we are headed fast to a single payer system.
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Gramps, they went the wrong way. Places in the world where healthcare is free market the costs are very low. As a great man (with the initials RR) once said, Government is the problem not the solution.
 
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#2,905
#2,905
Sandvol said:
Gramps, they went the wrong way. Places in the world where healthcare is free market the costs are very low. As a great man (with the initials RR) once said, Government is the problem not the solution.
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Don't forget pharmaceuticals.
 
#2,906
#2,906
I have a friend who is the biggest Obama fanboy and he's already concerned about enrollment this time around. He said he got an HTML formatted reminder e-mail from healthcare.gov and it wouldn't render in Outlook. LMAO. The most commonly used e-mail platform.
 
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#2,907
#2,907
PKT_VOL said:
If so, the numbers there off the top of my head doesn't make much sense. Seems like damn near theft.
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It is theft. Our coverage is part of my companies group plan, those over 50 really were tagged hard. Now this doesn't directly come out of my pocket but for the majority of the employees they have to pay 30% of the family coverage. Several just took a big pay cut.

Yes we could have chosen a cheaper policy with huge deductibles but after consideration it wasn't worth it.

edit; company group policies are age banded, meaning the older you, spouse and kids are the more it costs.
 
#2,908
#2,908
hog88 said:
It is theft. Our coverage is part of my companies group plan, those over 50 really were tagged hard. Now this doesn't directly come out of my pocket but for the majority of the employees they have to pay 30% of the family coverage. Several just took a big pay cut.

Yes we could have chosen a cheaper policy with huge deductibles but after consideration it wasn't worth it.

edit; company group policies are age banded, meaning the older you, spouse and kids are the more it costs.
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Seeing those numbers, hard to see how it wasn't. Back when preexisting conditions could get you thrown off, it would make more sense.
 
#2,909
#2,909
PKT_VOL said:
Seeing those numbers, hard to see how it wasn't. Back when preexisting conditions could get you thrown off, it would make more sense.
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Pre existing conditions couldn't get you thrown off company plans, just individual.
 
#2,910
#2,910
hog88 said:
Pre existing conditions couldn't get you thrown off company plans, just individual.
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The point being that paying such a premium, in my opinion, only makes sense if you are paying for care years down the road (kinda like life insurance) than just medical care for that year.
 
#2,911
#2,911
n_huffhines said:
I have a friend who is the biggest Obama fanboy and he's already concerned about enrollment this time around. He said he got an HTML formatted reminder e-mail from healthcare.gov and it wouldn't render in Outlook. LMAO. The most commonly used e-mail platform.
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What do you expect for a website that cost the taxpayers upwards of a billion dollars? Lmao
 
#2,913
#2,913
hog88 said:
?

Lost me there.
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Before Obamacare, people were willing to pay higher premiums when healthy out of fear that they would either be dropped or uncoverable when they were indeed sick.

In theory at least, that fear should be gone under Obamacare. The downside is most premiums, especially the healthy and young, are going up. Thus, it seems like outright theft/fraud to play $1500 a month or $17,000+ a year when healthy under Obamacare. In other words, pay for what you need now, and pocket the difference for healthcare costs when you are actually sick down the road.
 
#2,914
#2,914
PKT_VOL said:
Before Obamacare, people were willing to pay higher premiums when healthy out of fear that they would either be dropped or uncoverable when they were indeed sick.

In theory at least, that fear should be gone under Obamacare. The downside is most premiums, especially the healthy and young, are going up. Thus, it seems like outright theft/fraud to play $1500 a month or $17,000+ a year when healthy under Obamacare. In other words, pay for what you need now, and pocket the difference for healthcare costs when you are actually sick down the road.
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I'm all for and have been a proponent of catastrophic plans with savings accounts. Sadly that is no longer an option.
 
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#2,915
#2,915
hog88 said:
I'm all for and have been a proponent of catastrophic plans with savings accounts. Sadly that is no longer an option.
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I get that. I was referencing the option you considered with high deductibles. I would much rather pay the deductible than pay exorbitant premiums. You obviously prefer the opposite.
 
#2,916
#2,916
PKT_VOL said:
I get that. I was referencing the option you considered with high deductibles. I would much rather pay the deductible than pay exorbitant premiums. You obviously prefer the opposite.
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The plans we were offered, the company was offered from the broker, ranged from $4000 deductible down to what we choose. The annualized cost to us, the company was only about 18 grand more.

18 grand isn't a lot compared to disgruntled employees. Most all would have had an increase in their monthly out of pocket regardless. In our old plan (now illegal) we had a 4k deductible (family) but we had a reimbursement account, has a legal name that escapes me, to where we reimbursed the deductible up to 2k.
 
#2,918
#2,918
hog88 said:
The plans we were offered, the company was offered from the broker, ranged from $4000 deductible down to what we choose. The annualized cost to us, the company was only about 18 grand more.

18 grand isn't a lot compared to disgruntled employees. Most all would have had an increase in their monthly out of pocket regardless. In our old plan (now illegal) we had a 4k deductible (family) but we had a reimbursement account, has a legal name that escapes me, to where we reimbursed the deductible up to 2k.
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If your employees prefer it, I think it is the right thing to do (eat the 18k).

I'm just saying on a personal level, I prefer deductibles over premiums if healthy. I view high premiums for healthy people as borderline theft/fraud.
 
#2,919
#2,919
According to the law, all you have to do to avoid paying the penalty is tell the IRS you were not able to access the website.
 
#2,922
#2,922
Vol8188 said:
How so?
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Are you serious?

Passing a bill on the American people that the majority did not want. Requiring them to purchase a product that they might not want. Paying higher premiums on selected individuals so others don't have to pay as much. Fining said individuals for not paying into said plan they may not want. Doing back door deals in order to get said "law" passed. Telling the American People they were too stupid to realize what they were getting into. And furthermore, telling said American People they had to pass the bill to be able to read what was in it.

Which portion of fraud and theft did I miss here?
 
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#2,923
#2,923
Grand Vol said:
Are you serious?

Passing a bill on the American people that the majority did not want. Requiring them to purchase a product that they might not want. Paying higher premiums on selected individuals so others don't have to pay as much. Fining said individuals for not paying into said plan they may not want. Doing back door deals in order to get said "law" passed. Telling the American People they were too stupid to realize what they were getting into. And furthermore, telling said American People they had to pass the bill to be able to read what was in it.

Which portion of fraud and theft did I miss here?
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Where do you get that the majority of people didn't want this? Wasn't healthcare reform essential to Obamas platform in 08?
 
#2,924
#2,924
Vol8188 said:
Where do you get that the majority of people didn't want this? Wasn't healthcare reform essential to Obamas platform in 08?
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<sigh>

As I've stated before and time and time again. The majority of people wanted health care reform and felt it was needed. This has never been a point I've argued or disagreed with.

Bu the majority of people did NOT want the package it came in. I.E. the ACA.

And the further we get into this debacle, the more people are finding they rally didn't want what we got.
 
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#2,925
#2,925
Grand Vol said:
<sigh>

As I've stated before and time and time again. The majority of people wanted health care reform and felt it was needed. This has never been a point I've argued or disagreed with.

Bu the majority of people did NOT want the package it came in. I.E. the ACA.

And the further we get into this debacle, the more people are finding they rally didn't want what we got.
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Well Said. :rock:

You described my feelings about the ACA to perfection.
 
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