More Obamacare fuckups

[Jeril]

Old people don't have much of a choice about being old. I am pretty sure people have a choice to not smoke or drink. I could be wrong and all those commercials have subliminal messaging that force people to make those choices though.

[Buckwheet]

Don't even get started with the elderly, because most of their costs are bullshit. Private organizations basically taking advantage of them and soaking up all their wealth. We just went through a $30,000 bill for my grandmother that any sane person would look at and refuse to pay. But since that isn't a "free market" you can't vote with your wallet or not pay your bills. Its ludicrous.

[Wrathbringer]

What about the smokers and the drunks, Tgo? Since you seem to be in a researching mood.

Interestingly, it's not the smokers, drunks and fatties that use up the most insurance. You see, those people die, and die young. It's the healthy people living to be 100 that run up the costs. Check it out.

[Tgo01]

What about the smokers and the drunks, Tgo? Since you seem to be in a researching mood.

Drinking costs 176 billion dollars a year, which is about 7% of annual healthcare spending.

Surprisingly smoking only costs 96 billion dollars a year which is 3.6% of annual healthcare spending.

And the elderly. Throw up their numbers

Why? Are we blaming people for aging? Shall I post up the numbers for babies too? Darn babies being born!

[Tgo01]

Interestingly, it's not the smokers, drunks and fatties that use up the most insurance. You see, those people die, and die young. It's the healthy people living to be 100 that run up the costs. Check it out.

Not that bullshit "study" again :/

[Wrathbringer]

Not that bullshit "study" again :/

Actually, I'm speaking from 30 years of experience in the field. There's a study?

[Thondalar]

I say screw insurance, flat tax everyone 50% of their income (removing every possible loop-hole, credit, or deduction), and nationalize healthcare.

"free" healthcare for all!

[cwolff]

It may not be intelligent to take my life savings and bet it all on red, but guess what? IT'S MY SAVINGS. I'll do what I please with it, and people (including myself) have fought for my right to do so. Obummer signs away another liberty. The pen is indeed mightier than the sword.

No one, yourself included, has fought for this right. The problem with this type of thinking is that we privatize profit and socialize loss. In a perfect libertarian utopia we'd love to let you die on the street once you've exhausted your savings, but that just ain't going to happen. This whole argument is the ranting of a stubborn inner child. "It's my body I'll do what I want" "You don't own me!" "You're not my Dad!"

[Wrathbringer]

Drinking costs 176 billion dollars a year, which is about 7% of annual healthcare spending.

Surprisingly smoking only costs 96 billion dollars a year which is 3.6% of annual healthcare spending.



Why? Are we blaming people for aging? Shall I post up the numbers for babies too? Darn babies being born!

You should be. The elderly take up more than the 10 percent the smokers and drunks take.

[Buckwheet]

Basically, you are the exception to the rule. As to why it would have come down that much, if anything, it's because ACA exchange plans are based off your income. Old school personal health plans most certainly were not.

1100 a month is not how much you were paying for the "uninsured". Especially since most plans cost no where near that much. Hell, I can't even fathom why you were paying that much to begin with. I frankly have NEVER seen a personal health plan for a family cost 1500+ a month, and I figure you were paying 1800? Specially not one with an 80/20 split and HDHP.

I make enough money to get no subsidy, if that is what you were thinking. I posted in detail how the plan worked but here it is again.

1 healthy adult, 1 more sickly adult(thyroid issues, migraine issues, and something else I don't remember) 1 infant pre ACA:

~$1500 a month premium
$10k max household out of pocket.
$5k max per person out of pocket.
You pay everything for the first $2.5k per person then it goes to 70/30 where you pay the 30% up to the next $2.5k.
After $5k is spent on one person all their care is "free".
After $10k is spent on your household all the household care is "free".
You get a HSA with the insurance, which is like $6k per year of contributions that you can use to either pay for the premium or the services.