Our huge deductable under the ACA, not good.

[Carol]

link

edhopper (7,304 posts)

Our huge deductable under the ACA, not good.
We keep our employer based insurance and our premiums are about the same, BUT...

Our family deductible goes from $900 a year to $3000!!

AND our copay goes from 20% to 30%!

I am not sure how we can afford this without rationing some of the medical care we need. We really don't have the extra money this will cost now.

We do not get a subsidy (that is for exchanges only) and our tax deductions shrink because of the new 10% threshold. (And in our bracket we usually take the standard deduction anyway)

I really wanted single payer but accepted Obamacare as the best they could do.

Now it looks like I can't afford the healthcare I need because of it.

Don't know what to think.

Star Member stevenleser (15,674 posts)
3. So what you are saying is you don't have coverage through ACA, but you are blaming ACA.

Last edited Mon Oct 7, 2013, 02:06 PM USA/ET - Edit history (1)
Your employer decided to get crappier coverage for your firm to keep premiums the same, is really whats happening here, right?

Not that I dont have empathy for you if you are in that situation, but it's not the ACA that is the problem here.

Are they just dumb, ignorant or an Obamabot??

wercal (815 posts)
10. The major changes I have seen that affect all insurance:

1. Coverage of member children until age 25
2. No lifetime limit on payout
3. Cannot be turned down for pre-existing condition

There is room for discussion on the merits of each of these, but its naïve to pretend the ACA doesn't affect all insurance plans. The exchanges are really just half of the story.

Capt. Obvious (2,443 posts)
13. Those are big fucking deals

Not to mention: charging women the same rates as men; covered women's health specific visits/meds/etc.

What I'm pointing out is that if your insurance changed that much because of these changes then your old insurance was garbage. With a deductible that low I'm sure the fine print would show such awesome lines (that were part of changes to my plan many years ago) as: chemotherapy is considered experimental and not covered.

Definitely an Obamabot. "You should LIKE those high costs because it's BETTTTTER."

riqster (5,507 posts)
24. Your rates and premiums are not impacted by the ACA.

I am in a similar fix, but it is not Obamacare's fault.

riqster (5,507 posts)
28. My point is that if you are not buying insurance on tbe exchanges,

Don't run around saying how expensive your new ObamaCare is.

[DumbAss Tanker]

Yeah, you evil troll, the fact that all those things changed BECAUSE of ACA doesn't mean they are 'ACA Changes.' What's wrong with you, or are you really just the filthy VRWC provocateur that you look like to the DU Obama Defense Force?

[Zathras]

Are they just dumb, ignorant or an Obamabot??

Yes....next question please.

[SaintLouieWoman]

Sometimes you just have to go with some old sayings that still ring true, particularly with some of the DUummies. You know those good old boy saying like "dumber than a box of rocks" or "you can't fix stupid". I'm getting resigned that way too many Americans are plain old stupid.

[Elspeth]

To lurking DUmmies:

Taxpayers are paying the subsidy for the poor and working class to buy health insurance. In other words, taxpayer are paying for all or part of the premium, the monthly payment to the insurance company.

But, for the insurance companies, an increased number of poor and working class on the insurance roles means a lot more potentially sick people and a lot more medical bills to pay. Remember the insurance company is still the entity paying the doctor and hospital bills, not the government. The insurance companies have to get that money from somewhere.

Before Obamacare, the insurance companies would charge older, sicker people more money in premiums (monthly payments) to offset the higher and more frequent medical bills they needed the insurer to pay.

In the Obamacare system, the insurance company cannot ask for higher premiums from older, sicker people who are getting their insurance through that system. The insurance company has to find another source of money to make up for all that extra healthcare cost.

Insurance companies will get that money in one of several ways:

1. Charging people who buy their own insurance higher rates for the same insurance they have
2. Charging companies who buy insurance for their employees higher rates for the same insurance they have
3. Getting new customers who will pay them money in premiums but not use much insurance, i.e. young healthy people.

This is why, under Obamacare:

1. Private individuals who have been buying their own health insurance all along have had their rates jump from 20-50% in California. (And yes, added together, it has been this much and sometimes more. And yes, insurers actually wrote letters to their customers saying that the rate increases were due to the Affordable Care Act.)

2. Companies who have been buying health insurance for their employees have seen increases of 10-20% and have been trying to pass the cost on to their employees OR have been trying to get family members off the employee plans OR have been trying to get retirees out of company health insurance and on to Obamacare.

3. Young adults, who often got cheap (catastrophic) insurance or no insurance at all, are being required BY LAW (the mandate) to buy more insurance than they might need (on Obamacare) and at a higher cost than they would have at a private insurer before Obamacare.


Also remember that Obamacare creates a huge bureaucracy and a massive new amount of paperwork for insurers. These administrative costs also have to be paid for.

So, who did you think was paying for everything, DUmmies? Santa Claus?

We tried to tell you.

Skinner threw lots of truthtellers off of DU during the House fight about Obamacare, the public option, etc.

Here's some other truth for you:

Harry Reid has recently been telling people that the ultimate goal of Obamacare is single payer. Don't believe it. If single payer had been the goal, there would have been a mechanism for it: the public option. That was off the table from the beginning. Did you notice that even when Reid started this "single payer" talking point a month or two ago, health insurance stocks did not go down? That's because the industry knows he's full of it. Harry is just trying to drum up support from the true Left, who are appalled at the bastardization of their single payer dream.

So if the government doesn't really want single payer, why is it involved?

a. Surveillance

They want instant access to the health records of your entire life without a warrant.

b. Rationing.

They want to help their buddies in the insurance industry pay even less for your care by rationing it by government fiat. You'll still pay them a bundle and insurers will make more profits.

c. Control

The government will now have control over a huge sector of the economy.

And you thought it was because Obama cared that you got the sniffles?

[RobJohnson]

I pay a higher share out of my paycheck for premiums towards my employer sponsored plan and my tax dollars also help pay the subsidy for those that do not have employer plans. I get screwed twice thanks to Obamacare.

[Bailey]

To lurking DUmmies:

Taxpayers are paying the subsidy for the poor and working class to buy health insurance. In other words, taxpayer are paying for all or part of the premium, the monthly payment to the insurance company.

But, for the insurance companies, an increased number of poor and working class on the insurance roles means a lot more potentially sick people and a lot more medical bills to pay. Remember the insurance company is still the entity paying the doctor and hospital bills, not the government. The insurance companies have to get that money from somewhere.

Before Obamacare, the insurance companies would charge older, sicker people more money in premiums (monthly payments) to offset the higher and more frequent medical bills they needed the insurer to pay.

In the Obamacare system, the insurance company cannot ask for higher premiums from older, sicker people who are getting their insurance through that system. The insurance company has to find another source of money to make up for all that extra healthcare cost.

Insurance companies will get that money in one of several ways:

1. Charging people who buy their own insurance higher rates for the same insurance they have
2. Charging companies who buy insurance for their employees higher rates for the same insurance they have
3. Getting new customers who will pay them money in premiums but not use much insurance, i.e. young healthy people.

This is why, under Obamacare:

1. Private individuals who have been buying their own health insurance all along have had their rates jump from 20-50% in California. (And yes, added together, it has been this much and sometimes more. And yes, insurers actually wrote letters to their customers saying that the rate increases were due to the Affordable Care Act.)

2. Companies who have been buying health insurance for their employees have seen increases of 10-20% and have been trying to pass the cost on to their employees OR have been trying to get family members off the employee plans OR have been trying to get retirees out of company health insurance and on to Obamacare.

3. Young adults, who often got cheap (catastrophic) insurance or no insurance at all, are being required BY LAW (the mandate) to buy more insurance than they might need (on Obamacare) and at a higher cost than they would have at a private insurer before Obamacare.


Also remember that Obamacare creates a huge bureaucracy and a massive new amount of paperwork for insurers. These administrative costs also have to be paid for.

So, who did you think was paying for everything, DUmmies? Santa Claus?

We tried to tell you.

Skinner threw lots of truthtellers off of DU during the House fight about Obamacare, the public option, etc.

Here's some other truth for you:

Harry Reid has recently been telling people that the ultimate goal of Obamacare is single payer. Don't believe it. If single payer had been the goal, there would have been a mechanism for it: the public option. That was off the table from the beginning. Did you notice that even when Reid started this "single payer" talking point a month or two ago, health insurance stocks did not go down? That's because the industry knows he's full of it. Harry is just trying to drum up support from the true Left, who are appalled at the bastardization of their single payer dream.

So if the government doesn't really want single payer, why is it involved?

a. Surveillance

They want instant access to the health records of your entire life without a warrant.

b. Rationing.

They want to help their buddies in the insurance industry pay even less for your care by rationing it by government fiat. You'll still pay them a bundle and insurers will make more profits.

c. Control

The government will now have control over a huge sector of the economy.

And you thought it was because Obama cared that you got the sniffles?

They will never learn it all comes down to one word: CONTROL

[SarasotaRepub]

They will never learn it all comes down to one word: CONTROL

But Lord o is in "Control" so they are all widdle happy oBots.

[Elspeth]

But Lord o is in "Control" so they are all widdle happy oBots.

They're paying for their own subjugation. You'd think the part about paying for it would get to them. After all, a lot of Obots still think Obamacare is free.

[Elspeth]

But Lord o is in "Control" so they are all widdle happy oBots.

Speaking of control:

Obamacare Marketplace: Personal Data Can Be Used For ‘Law Enforcement and Audit Activities’
http://www.weeklystandard.com/blogs/...es_762237.html



Maryland's Health Connection, the state's Obamacare marketplace, has been plagued by delays in the first days of open enrollment. If users are able to endure long page-loading delays, they are presented with the website's privacy policy, a ubiquitous fine-print feature on websites that often go unread. Nevertheless, users are asked to check off a box that they agree to the terms.
Obama doctors

The policy contains many standard statements about information automatically collected regarding Internet browsers and IP addresses, temporary "cookies" used by the site, and website accessibility. However, at least two conditions may give some users pause before proceeding.

The first is regarding personal information submitted with an application for those users who follow through on the sign up process all the way to the end. The policy states that all information to help in applying for coverage and even for making a payment will be kept strictly confidential and only be used to carry out the function of the marketplace. There is, however, an exception: "[W]e may share information provided in your application with the appropriate authorities for law enforcement and audit activities." Here is the entire paragraph from the policy the includes the exception [emphasis added]:

Should you decide to apply for health coverage through Maryland Health Connection, the information you supply in your application will be used to determine whether you are eligible for health and dental coverage offered through Maryland Health Connection and for insurance affordability programs. It also may be used to assist you in making a payment for the insurance plan you select, and for related automated reminders or other activities permitted by law. We will preserve the privacy of personal records and protect confidential or privileged information in full accordance with federal and State law. We will not sell your information to others. Any information that you provide to us in your application will be used only to carry out the functions of Maryland Health Connection. The only exception to this policy is that we may share information provided in your application with the appropriate authorities for law enforcement and audit activities. ..



DO YOU GET IT NOW, DUmmies?

Cops would need a warrant to get this kind of information from a private insurer, and the judge would want a damned good reason for the cops to go snooping in your health records. Under Obamacare, the cops can find out that you need insulin, for example, and withhold it from you until you confess to a crime you didn't commit.

Dudes, you're screwed.