• Welcome to OGBoards 10.0, keep in mind that we will be making LOTS of changes to smooth out the experience here and make it as close as possible functionally to the old software, but feel free to drop suggestions or requests in the Tech Support subforum!

ACA Running Thread

Deacsfan27 said:
Some people think it's Obama's fault that the Republicans elected Donald Trump, so spare me.

Based on my income last year I had the option of a $160 per month Catastrophic plan, or a $400 per month basic plan. I obviously chose the former. Increased 19% to around $190 for the same plan this year. Not really sure what I'm going to do.

As a healthy 26 year old, I am the target market for who needs to buy insurance to help the costs go down, but it's nearly impossible for me to afford a "normal" plan monthly rate.
Click to expand...

welcome to socialism
 
If it were truly socialism then mine would be greatly reduced because of the spreading of the risk to everybody.
 
Deacon923 said:
it's a pointless discussion that has been cycled through on this thread probably over 100 times.

The fact is that the ACA is a mess and needs to be fixed. Republicans have decided that "repeal" is the hill they're going to die on, and Democrats have decided that they will never, ever vote for anything that could be characterized as a "repeal". The only fixes that anyone has put on the table are:

GOP: go back to the McCain 2008 plan of "compete across state lines" but with some of the popular features such as no lifetime caps or prior illness exclusions. Democrats will never vote for this because it basically constitutes a repeal and does nothing to help poor people get insurance except blind trust in the magic of the market.

Dem: add a public option or Medicare buy-in, allow Medicare and public option to negotiate with providers and drug companies to bring down costs. GOP will never vote for this because it's not a "repeal", expands government, would require raising taxes, etc., and also will face huge lobbying opposition from the powerful Big Pharma/Big Hospital cabal so many Dems will also run from it.

Until someone puts together a coalition strong enough to take on the providers and push through a true single-payer system, the American people are stuck with this mess for the foreseeable future.
Click to expand...

can anyone refute this? If not then shut the fuck up.
 
Deacsfan27 said:
Some people think it's Obama's fault that the Republicans elected Donald Trump, so spare me.

Based on my income last year I had the option of a $160 per month Catastrophic plan, or a $400 per month basic plan. I obviously chose the former. Increased 19% to around $190 for the same plan this year. Not really sure what I'm going to do.

As a healthy 26 year old, I am the target market for who needs to buy insurance to help the costs go down, but it's nearly impossible for me to afford a "normal" plan monthly rate.
Click to expand...

This is pretty much where I'm at too. I did the Blue Silver plan for 2 years before dropping back to a catastrophic plan last year. I'm paying roughly $160 a month for minimal coverage. Granted, this plan allows for 3 Doc visits w/ $35 copay but no prescription coverage.
 
CreamyGoodness said:
This is pretty much where I'm at too. I did the Blue Silver plan for 2 years before dropping back to a catastrophic plan last year. I'm paying roughly $160 a month for minimal coverage. Granted, this plan allows for 3 Doc visits w/ $35 copay but no prescription coverage.
Click to expand...

Yup think this is exactly what I'm in. $6,850 deductible also going up to $7,100 this year in addition to a $30 increase.
 
Deacsfan27 said:
Yup think this is exactly what I'm in. $6,850 deductible also going up to $7,100 this year in addition to a $30 increase.
Click to expand...

Before ACA my wife and 2 kids did not have employer coverage. I signed them up on a catastrophic plan for $315.00 per month. High deductibles, pretty shitty plan, but covered worst case scenario. After ACA the cheapest thing available at all was over $1,100 per month. That was still for shitty coverage. Only advantage was some co-pays and prescription. A value of less than $50.00 a month for a bargain of only $800.00 per month. Whats not to love.

ACA is a complete disaster. It would have been much cheaper to directly pay for every uninsured person.
 
Deacsfan27 said:
Yup think this is exactly what I'm in. $6,850 deductible also going up to $7,100 this year in addition to a $30 increase.
Click to expand...

I was anticipating the increase but my agent hasn't told me yet. The marketing firm I work with offers full dental but no health. The damning thing is the President offered full, premium benefits to every employee until the ACA kicked in. It increased his AP by something yuge like 80%. Selfishly, I hope our legislators can figure something out to bring us back to the "good ole days" when health care didn't bend over small businesses.

On a side note, I've also been coming outta pocket for vision insurance, which is absolute bull shit. It's taken me 3 years to realize that I've gotten nothing out of my vision insurance.
 
knowell said:
Before ACA my wife and 2 kids did not have employer coverage. I signed them up on a catastrophic plan for $315.00 per month. High deductibles, pretty shitty plan, but covered worst case scenario. After ACA the cheapest thing available at all was over $1,100 per month. That was still for shitty coverage. Only advantage was some co-pays and prescription. A value of less than $50.00 a month for a bargain of only $800.00 per month. Whats not to love.

ACA is a complete disaster. It would have been much cheaper to directly pay for every uninsured person.
Click to expand...

Well I don't think this is true.
 
I'm not going to sit here and say that Obamacare hasn't benefited a large number of people, but anyone who denies that it isn't absolutely sodomizing the middle class, isn't telling the truth.
 
Deacsfan27 said:
Some people think it's Obama's fault that the Republicans elected Donald Trump, so spare me.

Based on my income last year I had the option of a $160 per month Catastrophic plan, or a $400 per month basic plan. I obviously chose the former. Increased 19% to around $190 for the same plan this year. Not really sure what I'm going to do.

As a healthy 26 year old, I am the target market for who needs to buy insurance to help the costs go down, but it's nearly impossible for me to afford a "normal" plan monthly rate.
Click to expand...

You are four years removed from a degree at a prestigious "Top 25" University and you can't afford to pay $190/month for health insurance?

What was the purpose of that $250K degree?
 
DEACisGO said:
you do the math
Click to expand...

$315 per month for 3 people for catastrophic health care = $105 per month per person = $1,260 per year per person. X 20 million people = 25 billion.

Conservative estimates are that ACA will cost at least 120 Billion per year to the tax payer. Likely that will be a fraction of the cost. That does not reflect the cost of all the individuals paying way more each month.
 
You must log in or register to reply here.
Back
Top