#1 Our huge deductable under the ACA, not good.
10-07-2013, 04:32 PM
- Join Date
- May 2008
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.
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.
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.
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