More Obamacare fuckups

[Buckwheet]

Most people don't realize that the plan they are getting doesn't cover anything till they also pay a huge deductible, or that there are copays for all office visits. paying 200 a month for the plan, and then having to pay say a 5k deductible till the plan pays anything, a large number of people are going to be pissed.

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. I should be pissed that was on a high deductible health plan paying $1100 a month for moochers. I want my god damn money back.

[Jarvan]

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.

ACA was created to insure the 30 million American's without insurance. So.. DUH, they were not on HDHPs.

oddly enough, the CBO says with ACA, there will be.. GASP 30+ million uninsured Americans.

[Warriorbird]

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.

I feel like a lot of the people who complain weren't buying insurance.

[Tgo01]

Until this new system, nobody was given the information on how much of their bill was going to cover people who just didn't have anything. Now that I know it was ~$1100 a month, its not okay for me to complain that I want my $1100 back and have equal weight to the people bitching about $700 coming out of their pockets?

I don't think your premiums going down 1100 means that money was originally to cover people who didn't have insurance. Insurance companies hardly felt the pressure of the uninsured at all. Most hospitals were already making millions of dollars in profits every year. Non-profit hospitals (and I'm pretty sure for profit hospitals?) were already required to eat the costs of X number of dollars a year from uninsured/under insured people. Hospitals already charged those with no insurance a higher rate than insurance companies to make up the money they lost from those who didn't pay their bills. Something like 56% of people who filed medical bankruptcy had insurance. Some non-profit hospitals had so much money laying around at the end of the year that they had to find something, anything to spend the money on. There are a lot of government programs and charities to help people (help hospitals get their money) pay their medical bills.

I just don't see where insurance companies were losing out in all of this.

I'm not denying that your premiums went down 1100 dollars but is it the exact same plan? I heard a lot of people lost coverage or had increased premiums/copays somewhere along the way.

[Wrathbringer]

I feel like a lot of the people who complain weren't buying insurance.

Exactly. People who couldn't afford/didn't need health insurance are now forced to buy it or pay the penalty. You bet they're pissed. This is supposed to be America.

[Jarvan]

I'm not denying that your premiums went down 1100 dollars but is it the exact same plan? I heard a lot of people lost coverage or had increased premiums/copays somewhere along the way.

I seriously doubt it is the same plan. I haven't read thru all his posts mind you. But I wonder if he had employer subsidized health insurance before, and if he is taking into account what the employer paid towards it as well.

[cwolff]

Exactly. People who couldn't afford/didn't need health insurance are now forced to buy it or pay the penalty. You bet they're pissed. This is supposed to be America.

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

I seriously doubt it is the same plan. I haven't read thru all his posts mind you. But I wonder if he had employer subsidized health insurance before, and if he is taking into account what the employer paid towards it as well.

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

[Warriorbird]

Exactly. People who couldn't afford/didn't need health insurance are now forced to buy it or pay the penalty. You bet they're pissed. This is supposed to be America.

They were making us pay for them before. It's a Republican idea.

[Tgo01]

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

By being young and healthy and not being able to afford it?

[Buckwheet]

I don't think your premiums going down 1100 means that money was originally to cover people who didn't have insurance. Insurance companies hardly felt the pressure of the uninsured at all. Most hospitals were already making millions of dollars in profits every year. Non-profit hospitals (and I'm pretty sure for profit hospitals?) were already required to eat the costs of X number of dollars a year from uninsured/under insured people. Hospitals already charged those with no insurance a higher rate than insurance companies to make up the money they lost from those who didn't pay their bills. Something like 56% of people who filed medical bankruptcy had insurance. Some non-profit hospitals had so much money laying around at the end of the year that they had to find something, anything to spend the money on. There are a lot of government programs to help people (help hospitals get their money) pay their medical bills.

I'm not denying that your premiums went down 1100 dollars but is it the exact same plan? I heard a lot of people lost coverage or had increased premiums/copays somewhere along the way.

The insurance company I was with didn't have to give a refund, so they were in the 80/20 bracket already. It is not the "exact" same plan only because the max out of pocket went from $10,000 to ACA max of $12,700. Everything else is identical. So why did they go down that much? The only intelligent reason I can see is because more money is coming it pay for the overall bills, which includes paying for people without insurance.

This argument is really stupid because of the following statements:

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

How do hospitals make money? They charge for services. There is a reason a simple blood test at the hospital is like $300 here but yet I can order the same thing online for $75. I don't know what that reason is, do you? Its included in my "annual physical" that the insurance company pays fully for me. Why don't they just mail me the kit and save $225 just in the blood test? You can't actually get the blood draw/test at the satellite office. They give you an order and you drive to the "hospital" where the "lab" is.

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?

Even if the plan was employer sponsored its included as "total compensation" on most job descriptions and competitive job offers I have ever gotten. Just because someone else is pissing away their money doesn't mean someone isn't negatively impacted through a competitive job offer. We already know of companies saying "go to the exchange and if you buy bronze we will just re-reimburse you for the expense. anything over bronze you pay out of pocket."