More Obamacare fuckups

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Originally Posted by cwolff

If he had employer subsidized health insurance before he wouldn't have been buying his own policy nor would ACA apply to him.

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A large number of companies dropped healthcare. Then again I am sure you don't believe that anyway.

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Originally Posted by cwolff

How does one determine that they have no need for insurance? Obviously you can't. That's the whole point of being insured.

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I'll tell you how. They weigh their risks versus their assets and determine if it's a risk they want to take. It's called, "freedom", and we're forgetting what it is. If I don't need insurance, I shouldn't have to buy it. Period.

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Originally Posted by Wrathbringer

I'll tell you how. They weigh their risks versus their assets and determine if it's a risk they want to take. It's called, "freedom", and we're forgetting what it is. If I don't need insurance, I shouldn't have to buy it. Period.

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How is it that we have a Republican organization that wrote this plan yet people only freaked out on it when Obama pushed it?

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Originally Posted by Warriorbird

How is it that we have a Republican organization that wrote this plan yet people only freaked out on it when Obama pushed it?

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It didn't affect me until Obummer pushed it.

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Originally Posted by Buckwheet

Then they are just not in the real world compared to those of us who have been on high deductible plans for years. Welcome to the real world.

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I guess for people who had shitty plans before it's nothing new...I don't know. I've been working and living on my own for 16 years, since I was 17. I've worked for a few different companies, and for the State of Florida. The State had, by far, the best insurance...I've never seen anything like it in the private sector, anywhere. Full coverage, free prescriptions, no deductible...family plan I paid about $160 dollars a month. On the opposite end of the spectrum, what my current company offers, is 5k deductible, 10 dollar copays on prescriptions, 20 dollar doctor visits...and I pay about three times as much for it.

I haven't even bothered trying to look at the exchanges yet...I'm trying to let them uh...work the kinks out first. I guess I should at some point. Kinda scared.

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Originally Posted by Buckwheet

It is not the "exact" same plan only because the max out of pocket went from $10,000 to ACA max of $12,700.

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That's a pretty big chunk of change.

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Originally Posted by Buckwheet

I don't think - I don't care what anyone "thinks" I care about facts. Why did my premium go down $1100 a MONTH?

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The only person who can answer this question to 100% certainty is your health care provider(s). You're just guessing it went down because of the uninsured yourself.

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Originally Posted by Buckwheet

So all I want to know is, why is it okay for someone who had no insurance be all upset they have to pay into the system at HALF what I was paying for the past 10 years or so, and I can't be pissed off that for 10 years I put 70 grand into the system?

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You can be pissed all you want that you paid so much into the system. I just think you're off base blaming those without insurance as if it was their fault.

Blaming the uninsured is an easy target to get people riled up. "Hey look! THAT person is the reason your bills are so high!" Does anyone have any sort of stats to show just how much money the uninsured cost the system? Who felt the pain from the uninsured? I'd be willing to bet dollars to donuts the hospitals/doctors felt the brunt of it, not insurance companies. Any sort of stats to show how much money insured people who didn't pay their bills cost the system? While we're at it any stats on the number of uninsured who DID pay their bills compared to the number of insured who DIDN'T pay their bills?

It all sort of sounds like a witch hunt. "Someone walks into the ER with no insurance and the hospital HAS to treat them." Yes, this is fact. Who is this supposed "someone." I always worry when people speak vaguely.

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Originally Posted by Wrathbringer

I'll tell you how. They weigh their risks versus their assets and determine if it's a risk they want to take. It's called, "freedom", and we're forgetting what it is. If I don't need insurance, I shouldn't have to buy it. Period.

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In that tone, you should never get care unless you can afford it have go through a credit check to make sure you can pay for it later, and you can not declare bankruptcy because of medical bills.

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Originally Posted by Wrathbringer

I'll tell you how. They weigh their risks versus their assets and determine if it's a risk they want to take. It's called, "freedom", and we're forgetting what it is. If I don't need insurance, I shouldn't have to buy it. Period.

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Now you're just being stubborn. There is no risk vs. asset calculation because you're not consulting all the people who are exposed to risk by the uninsured.

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Originally Posted by Thondalar

I guess for people who had shitty plans before it's nothing new...I don't know. I've been working and living on my own for 16 years, since I was 17. I've worked for a few different companies, and for the State of Florida. The State had, by far, the best insurance...I've never seen anything like it in the private sector, anywhere. Full coverage, free prescriptions, no deductible...family plan I paid about $160 dollars a month. On the opposite end of the spectrum, what my current company offers, is 5k deductible, 10 dollar copays on prescriptions, 20 dollar doctor visits...and I pay about three times as much for it.

I haven't even bothered trying to look at the exchanges yet...I'm trying to let them uh...work the kinks out first. I guess I should at some point. Kinda scared.

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Why would you go on the exchange? It sounds like you are covered by work.

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Originally Posted by Buckwheet

In that tone, you should never get care unless you can afford it have go through a credit check to make sure you can pay for it later, and you can not declare bankruptcy because of medical bills.

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I also reject our credit system. I'd pay cash. Would that be acceptible?

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Originally Posted by Tgo01

That's a pretty big chunk of change.



The only person who can answer this question to 100% certainty is your health care provider(s). You're just guessing it went down because of the uninsured yourself.



You can be pissed all you want that you paid so much into the system. I just think you're off base blaming those without insurance as if it was their fault.

Blaming the uninsured is an easy target to get people riled up. "Hey look! THAT person is the reason your bills are so high!" Does anyone have any sort of stats to show just how much money the uninsured cost the system? Who felt the pain from the uninsured? I'd be willing to bet dollars to donuts the hospitals/doctors felt the brunt of it, not insurance companies. Any sort of stats to show how much money insured people who didn't pay their bills cost the system? While we're at it any stats on the number of uninsured who DID pay their bills compared to the number of insured who DIDN'T pay their bills?

It all sort of sounds like a witch hunt. "Someone walks into the ER with no insurance and the hospital HAS to treat them." Yes, this is fact. Who is this supposed "someone." I always worry when people speak vaguely.

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You already stated that hospitals made profits and insurance companies made profits, so who upheld the brunt of it? Policy owners like me. Its how the system works. I don't see hospitals and insurance companies going broke. So if I am off base, thats fine. But nobody in this thread has shown with any certainty where the money was going. So we are all wrong.

As far as a chunk of change. The savings I have in just 2.5 months of ACA will pay for the difference. After that it is all gravy.