This. Now, it doesn't fix the issue of why its so expensive but it will help a lot of people. The 400% FPL market is very sick, based solely on economics.
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ACA Running Thread
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This. Now, it doesn't fix the issue of why its so expensive but it will help a lot of people. The 400% FPL market is very sick, based solely on economics.
Yeah, but if we keep the current subsidy structure it mitigates this esp if we extend APTC above 400%. A lot of the analysis factored in the new subsidy structure, essentially a flat $ amount regardless of income. Thats hurtful.
WakeandBake
Well-known member
I do, do you know where people get their health insurance from?
cue jhmd reporting that the democrats/liberals made those people too lazy to sign up for something they were eligible for, by making them eligible in the first place.
Why aren't Joel Osteen and other good Christians who are flush with tithe money not going out and helping the people who are eligible but just too 'lazy' to sign up get signed up? Or just buying them a plan? I'm sure Jesus would bring that up when they got to heaven, don;t you?
dartsndeacs
THE quintessential dwarf
Man if people are freaked out about the 400% FPL market, they would damn near feint if they ever tried to run a business.
avalon
Antwan Scott
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I feel like I'm taking crazy pills.
So what does everyone think will happen? Seems like they'll vote it forward, it will go to conference where no one will come up with anything better, and the House will pass the bill as is while the senators complain about the process.
Care to elaborate?
dartsndeacs
THE quintessential dwarf
Isn't the 400% FPL market just the unsubsidized market, which is what every employer has to pay?
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No. The ACA rates are ~2.5x higher than the experienced rated group market, less what they ask their employees to contribute. So if ACA rate is ~1,000, employers pay $400 and then charge employees ~20% (on average) dropping their rates to ~$320. Discount this another 25% for taxes to get it to $260 (ind premiums aren't deductible)? Plus employers get lift from their employees contributions through 125 plans. SO maybe they end up paying $250.
Wakeforest22890
Snowpom
Ooooopppppsssss
PhDeac
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Murkowski and Collins have most of the balls in the Senate GOP.
WakeandBake
Well-known member
Courageous, intelligent, and dignified. I don't see the problem here, this is majority leadership defined.
dartsndeacs
THE quintessential dwarf
Do you have data on this? On my group a 26 year old is paying roughly $400/mo, you're telling me if they bought through the ACA it'd be $1k/mo? Sounds like a disaster.
Im using our plan averages here and rounded to 1000 to help make the math easier. But all the other ratios I used are correct. Thus the reason I argue a person making 401% of the FPL who buys their own insurance gets screwed.
dartsndeacs
THE quintessential dwarf
Not sure I am understanding what you're saying here. A 26 year old has to pay $1,000/month roughly (The employer pays about $400 for a PPO) if he was at 401% of the FPL? ($400*2.5=$1,000).
dartsndeacs
THE quintessential dwarf
Also, I used this calculator here and it spit out $282 for a Silver plan. Think your math is really really off. Otherwise it would only cost us roughly $100 for a silver plan. It does not.
http://www.kff.org/interactive/subs...s[0][tobacco]=0&child-count=0&child-tobacco=0
If they pass it, he won't change a word. He's a scumbag.
dartsndeacs
THE quintessential dwarf
Also fairly absurd to state we need federal subsidies to help people who make at least $50k a year