Even More Obamacare Follies

#2,276
#2,276
utvolpj said:
Obamacare doesn't change any of this. There will still be 30mil uninsured. Those who didn't take care of themselves before will not change their lifestyle to now make regular visits since those costs will be out of pocket. The out of pocket and deductibles are simply not affordable for those eligible for subsidies
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You should really go check out the ACA subsidized policies. The coverage is very good and the out of pocket is not as bad as some on here say it is.
 
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#2,277
#2,277
Gramps said:
You should go back to Healthcare.gov and read a little more. It is not as easy for an employee to voluntarily drop out of employer offered insurance and buy subsidized insurance.

As I understand the law illegal s are eligible for Marketplace insurance, which is ridiculous imo. Then again we have been paying their entire medical bills in many cases

I personally don't mind to help subsidize health insurance. IMO, it will be cheaper than what we have been doing, paying more for insurane, higher doctor and hospital cost due to people being uninsured and then paying hospitals to treat the millions of uninsured. We have been providing subsidies for health treatment for years. . I rather be subsidizing premiums vs paying their entire hospital bill.
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How much are you going to enjoy bailing out the insurance companies? That's next.
 
#2,280
#2,280
Gramps said:
You should really go check out the ACA subsidized policies. The coverage is very good and the out of pocket is not as bad as some on here say it is.
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doesn't matter how good the coverage is. Even with insurance it requires a major lifestyle change that is unlikely to happen. I've seen the numbers and the oop and deductibles are high enough where most subsidized participants will not be able to afford them if there is a large illness/injury.
 
#2,281
#2,281
hog88 said:
That comes AFTER the insurance bailout. When the insurance companies refuse to participate anymore.
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IIRC This dumbassery of an Administration gave the insurance companies a large part in writing the bill. We may go much deeper in debt but the Insurance companies will survive.
 
#2,282
#2,282
utvolpj said:
doesn't matter how good the coverage is. Even with insurance it requires a major lifestyle change that is unlikely to happen. I've seen the numbers and the oop and deductibles are high enough where most subsidized participants will not be able to afford them if there is a large illness/injury.
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I have saw policies that the total out of pocket per year for a family is $3,000.00.
 
#2,283
#2,283
Gramps said:
IIRC This dumbassery of an Administration gave the insurance companies a large part in writing the bill. We may go much deeper in debt but the Insurance companies will survive.
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Of course they will. They will come crying that the Admin didn't enforce, didn't implement and they lost money. They will threaten to pull out and/or rates will skyrocket if they are not made whole. IE - BAILOUT!
 
#2,285
#2,285
utvolpj said:
doesn't matter how good the coverage is. Even with insurance it requires a major lifestyle change that is unlikely to happen. I've seen the numbers and the oop and deductibles are high enough where most subsidized participants will not be able to afford them if there is a large illness/injury.
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You and hog88 need to figure out if people are going to use more or less healthcare because of this.
 
#2,286
#2,286
hog88 said:
Of course they will. They will come crying that the Admin didn't enforce, didn't implement and they lost money. They will threaten to pull out and/or rates will skyrocket if they are not made whole. IE - BAILOUT!
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I really think the entire ACA was setup as a step to single payer.
 
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#2,287
#2,287
Gramps said:
I have saw policies that the total out of pocket per year for a family is $3,000.00.
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40% of Americans say they couldn't come up with $2000 if they had to

7 Shocking Facts About the Financial Security of Americans - ABC News

a representative sample of 25,000 individuals were asked the question, "Could you come up with $2,000 if an unexpected need arose?"

While the majority of respondents said they were "certain" they could, the academics said it was "shocking" that 40 percent could not or probably could not.
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#2,288
#2,288
Thrasher865 said:
You never pointed out why it couldn't be a win/win, either.

Employer saves money on their portion of coverage, passes savings onto employees. Employees use this raise to subsidize their plan premiums on the exchange. If this works as planned, win/win. Especially if the exchange rates are similar or less than the group rates.

But then you reply with "but Obamacare premiums are up to 10x higher than previous numbers, as per this person in Idaho who says so on the Internet."
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Not many employers are going to give that money back to the employees in the form of higher pay. Most will pocket the savings and tell the employees to go visit the exchanges, leaving the employees to fend for themselves. That's a Win/Lose.
 
#2,289
#2,289
hog88 said:
Which plan? Platinum?
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Silver.

I asked my doctor anout his thoughts on the ACA back when I was in hospital. He had nothing bad to say about Community or Humana. He said his group was talking them but were not accepting Blue Cross policies. He did not go into detail why .
 
#2,292
#2,292
Gramps said:
I would think if a hospital can collect all but $3000 of a hospital bill they would be willing to set that up on a small monthly payments. Now if they make those payments is a differnt story.
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so a person makes very little, has spent years without coverage but will now pony up for premiums and a hospital payment plan? Excuse me if I'm skeptical
 
#2,294
#2,294
utvolpj said:
so a person makes very little, has spent years without coverage but will now pony up for premiums and a hospital payment plan? Excuse me if I'm skeptical
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States will garnish it out of their $10k tax refund from a job where they made half that.
 
#2,295
#2,295
utvolpj said:
so a person makes very little, has spent years without coverage but will now pony up for premiums and a hospital payment plan? Excuse me if I'm skeptical
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You bringing up a person that makes very little brings up another problem with the ACA that I haven't saw addressed here is the states like TN that opted out of expanding the Medicaid program.
There is a hole in there that some make to much to qualify for Medicaid and do not not make enough to qualify for Marketplace Insurance. . Male adults in Tennesse do not qualify for Medicaid except for a few circumstances.
 
#2,296
#2,296
Gramps said:
You bringing up a person that makes very little brings up another problem with the ACA that I haven't saw addressed here is the states like TN that opted out of expanding the Medicaid program.
There is a hole in there that some make to much to qualify for Medicaid and do not not make enough to qualify for Marketplace Insurance. . Male adults in Tennesse do not qualify for Medicaid except for a few circumstances.
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for the states that did opt to expand medicaid, how do they pay for that?
 
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#2,297
#2,297
MG1968 said:
for the states that did opt to expand medicaid, how do they pay for that?
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Same way they been paying I would imagine through government funding and charities..Nothing has changed for that group which is defeating the purpose of the ACA.
 
#2,298
#2,298
Gramps said:
Same way they been paying I would imagine through government funding and charities..Nothing has changed for that group which is defeating the purpose of the ACA.
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Medicaid is already breaking the bank for many states, which is why many of them opted out of expanding it.

What charities pay for medicaid expenses?
 
#2,299
#2,299
Gramps said:
Same way they been paying I would imagine through government funding and charities..Nothing has changed for that group which is defeating the purpose of the ACA.
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You need to do some research on this subject.

The Fed government (our taxes) are subsidizing the expansion for x number of years then the states are left to foot the bill for the increased numbers.
 
#2,300
#2,300
MG1968 said:
Medicaid is already breaking the bank for many states, which is why many of them opted out of expanding it.

What charities pay for medicaid expenses?
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None that I am aware of.

I thought you meant who would be paying the hospital bills for the people in the loophole that wil have no insurance. Sorry.
 
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