Will you get Obamacare, YES or NO?

I've calculated that the monthly premium for me and my spouse will be $684.00 (Silver Plan). This is exactly what I was paying for similar coverage from CIGNA before they raised us to $840 this month. The difference however is that I am a smoker with CIGNA but I checked non smoker in the quote on Obamacare. There is also another $2500 in additional deductible in Obamacare If I was a smoker with Obamacare the premium can go up as much as 50%, so that would make it $1020 per month, or about 22% more than the current private insurance. I would get a subsidy covering the difference, but for the same money I think I would rather stay on the my current plan.

I have taken a wait and see approach to this program. Now that I have seen I am not a proponent. It is obvious Obamacare has done nothing to bring medical costs under control. For that reason it will be a huge failure.

Another thing that irks me is that insurance companies are currently required to refund any money that they collected which was below 80% of their cost of care. Just about everyone got the refund last year meaning they are already collecting more than they spend by 20%+. Just how can they justify these premium increases, especially before the law is actually implemented?

Eventually Americans will wake up to the fact that a non profit national program is the only way we have any chance of most of us obtaining affordable healthcare. Remember as you think about this that all the medical profession's wages are not profit - that won't change. It will only rid the system of those who deliver care only to make obscene profits. High schoolers - we are going to need a bunch of doctors - get your education - get paid well without the pressure of owning your own office.

AlienScience

LewsTherinThelamon
reply to post by AlienScience

 

Medical costs would not be so expensive to begin with if it wasn't for health insurance companies.

Get rid of health insurance companies and watch the cost of medicine plummet.

Kind of a chicken and an egg thing here.

You can't get rid of insurance companies while healthcare costs are so high, because they won't go down overnight and it would collapse the entire system when costs are so high and no one can pay it without the insurance companies.

Collapse the system.

rip the bandaid off fast and clean

U know the other way a bandaid comes off don't you.

Time for this shicanery(spelling off lol) to end.

Time to rise up.

See tenacious d city hall lol

AlienScience

LewsTherinThelamon
reply to post by AlienScience

 

Medical costs would not be so expensive to begin with if it wasn't for health insurance companies.

Get rid of health insurance companies and watch the cost of medicine plummet.

Kind of a chicken and an egg thing here.

You can't get rid of insurance companies while healthcare costs are so high, because they won't go down overnight and it would collapse the entire system when costs are so high and no one can pay it without the insurance companies.

That's not true.

Without the insurance companies, like you said, no one would be able to afford treatment. So, as you implied, instead of going broke--healthcare providers would be forced to lower their costs.

That's how a free market works. Those who work in medicine would know full well that nobody can pay their ridiculous prices. And without the insurance companies, they would have no customers. No customers means no paychecks. Instant lower prices.

salt water does not cost $100.00 per bag.

reply to post by caterpillage


True, when you ring up $2499 in medical expenses that the insurance companies won't pay for. Why do we pay $400 a month. Might as well claim to be a Mexican National illegal alien. Get your health care for free and a free trip to Mexico, just take your passport for your return trip.

Like it, don't like it.... there will be oceans of poor who will really be able to do nothing that will put it off or ignore it all together. The only way they will even participate is if they are subsidized and all transportation to the offices to sign up are provided. These are people who's one activity is maybe a trip to the market for food. The impoverished will not participate, you will have to seek them out just to even know of their existence.

I am a VET, but my Son and Daughter are NOT.
After enough hardship within the first couple years, I think the whole Kenyankare will collapse. Hopefully it will not collapse the country. But in tandem with the economy, I believe the population solution espoused by TPTB will come out of or be facilitated by the Kenyan.

Sounds as there is no other choice now that the insurance can attach your bank account,time to start dealing in cash again,this cabinet obviously has a lot of money invested in this,they will be reaping the dividends,what a corrupt president,if this isn't forced socialism could have fooled me

sligtlyskeptical
It is obvious Obamacare has done nothing to bring medical costs under control. For that reason it will be a huge failure.

No ... it has been successful in making you a criminal. Once you've been prosecuted for fraud, you'll be a convicted felon ... and you won't be able to own a gun anymore.

reply to post by apoc36


I am exempt...you know like the congress (72%), the big corps, the unions, most anyone that is part of Obama's base.

I never thought a little word like "exempt" could mean so much.

reply to post by Oldtimer2


consider yourself fooled.....it's nothing like socialism...

this is a piece of legislation written by insurance corporations, passed by bought and paid for nanny-state politicians, and forced on us, under false pretenses.....

it's a bill that forces us to buy a product from the corporations that wrote the bill, with the threat of a fine, if we don't buy it.....

really, that's more Corporatocracy, than anything else...

as i said in another thread, i don't care for "isims".....it's bad, so i just call it bad...

apoc36Yes or no? Please explain your reason.

Not American. We have free healthcare.

Sure, more expensive treatments are billed, but some regular doctor visits are free in every way. You can even get medicines for free.

And I can tell you that is good way to go. Healthcare should be free everywhere in the world, the same way as education. Country BDP should pay for 90% of healthcare and education costs.

Those that do not think this way are sick capitalistic psychopath's.

tkwasny

727Sky

beezzer
I just calculated my Obamacare yearly premium costs.

If my company drops me, I can expect to pay 12,831 dollars a year in Obamacare Insurance.

I went to Healthcare dot gov for the calculations.

That is more than I was paying for no deductible and a $20 co-pay... What a rip!

Maybe if we are lucky the whole thing will terminate itself! Just another fubar feel good government program that sounds good until the details are exposed. If they do not get young people to sign up it will be another major losing program; to be honest with all the young unemployed or under employed it will be interesting how it shakes out.... No doubt we will be hearing about it for years to come.

What a particular doctor has mentioned to me is when you make an office visit there will be 2 billings. One will be your charge if you pay cash and it will be a very, very, low reasonable charge like all medical cash services are, no paperwork, paper trail. The other will be the maximum numbers the FedGov will allow for every little paper clip, Tylenol, or bandaid to "advance" your deductable quickly, filed to the FedGov. Once the deductable is quickly met then the burden will be lifted from the patients and foisted onto the FedGov.

Actually not true. The majority of doctors bills and medications don't require any deductible payment.

reply to post by apoc36


It is all a scam. One giant insurance scam. None of the scammers actually care about anybody's health. It is also a step closer to eugenics programs.

If we had cheeseburger insurance then cheeseburgers would cost $64.

The Liberals that have hijacked the Democrat party had to use a word trick to convince everybody. They started the whole thing by calling it ''health care'' which sounds like something that is given to you for free like mommy cares for baby. If they had started by calling it ''health insurance'' then they would have had a hard time selling it with crap lines like ''everybody deserves to pay for health insurance'' and ''paying for health insurance is a human right'' and ''Republicans don't want you to pay for health insurance''.

They continue covering up the truth with stories about millions of people flocking to the website, but we have a little glitch and only 1% can sign up. That is total bullcrap. Millions of people flocked to the website for sure, but after they played the game a little bit and entered this that and the other they got right down to the moment of truth and saw the cost. Suddenly what they thought was free like mommy's love turned into hundreds of dollars a month and 99% of them just clicked away and searched for a sleazy Miley video on youtube, packed a bowl and slugged back a brew.

reply to post by sligtlyskeptical


Oh no? You can go to the hospital or doctor quite a bit and not go past your deductible if it is something like $3000 or $5000. You will end up paying for most visits out of pocket, plus you'll pay the monthly premium. So you pay every month and the you pay again when you go to the doctor. You pay and pay and pay. Obamacare will only kick in when you pass the deductible with some major serious hospital bills.

I was trying to find alternatives to obamacare, and ran across this article:

Here

But just because millions of Americans refuse to get ObamaCare-qualified coverage doesn’t mean they will be uninsured. There are policies available now that would work very well for the ObamaCare avoiders.
Some of these policies are built on a life insurance platform rather than health insurance — which, incidentally, means they are outside ObamaCare’s long arm of regulatory control.
The customer buys a life insurance policy that pays up to $250,000 upon death, which I believe is the current maximum available for this kind of policy.
Along with life insurance coverage the policy includes what’s called a “critical illness” component. If the policyholder needs, say, surgery, the insurer writes the policyholder a check based on a schedule. Let’s say, for example, it’s $10,000.
The policyholder has $10,000 in hand to pay for the medical care — or, frankly, anything else since the money belongs to the insured — but the value of his life insurance benefit is reduced by the same amount, to $240,000. Thus the critical illness component simply accelerates the benefit payout.
One existing policy pays 100 percent for heart attack, stroke, life-threatening cancer, major organ transplant, kidney failure, Alzheimer’s and paralysis, among other medical conditions.
The policyholder could also be part of a provider network that provides a discounted rate for the care — one of the most important current benefits of having health insurance.
How much would such a policy cost? For one company, a 30-year-old male would pay $1,438 a year, and for a 50-year-old male it’s $3,234.
And remember, this isn’t just health coverage. In the event of a tragic accident or illness, whatever is left of the benefit goes to the estate upon death.But just because millions of Americans refuse to get ObamaCare-qualified coverage doesn’t mean they will be uninsured. There are policies available now that would work very well for the ObamaCare avoiders.

These life insurance policies seem to be comparable to what you are being offered through obamacare, and a lot less costly.

If the life insurance companies continue to make policies such as these (or better) could they take over the health insurance market? And are they better/comparable to the coverage offered by Obamacare?
Already said I wouldn’t be getting Obamacare, now I’m just looking for other options…

Thanks,
Blend57

beezzer
I just calculated my Obamacare yearly premium costs.

If my company drops me, I can expect to pay 12,831 dollars a year in Obamacare Insurance.

I went to Healthcare dot gov for the calculations.

I was redirected to the Colorado State Health Site. After entering my income and my dependants, I qualified for $323.00/month tax credit (applied directly towards monthly premium) for Silver plans and higher.

I found a great Kaiser silver plan that will end up costing 267.00/month for me, my wife and baby on a single income (after qualified credit applied). It has only a 1000.00 deductable and maxes out at 4500.00 for the year (for major surgeries).

I am against Obamacare from a legal perspective as it forces US citizens to buy a private service to live and work, however I am pleased with the fair adjusted rate I am able to qualify for and I am able to afford it.

My plan wil cost 2800.00/year (rounded figure) with a 1000.00 deductable brings it to 3800.00/year out of pocket (with no major work). That is half what I would be fined by the IRS if I didn't get insurrance (7500.00/year).

I will end up getting Obamacare, as it is the least expensive alternative to the new illegal requirement.

God Bless,

We actually have a choice in the matter?

reply to post by AfterInfinity


The only people in the country who are required to participate in the exchanges are congressional staffers and, I think, members of congress.

reply to post by links234


Is there a consequence for not participating in the program? Other than not receiving health care from the Obamacare program?

reply to post by AfterInfinity


Yep you get the privilege of paying a fine err um tax.

AfterInfinity
Is there a consequence for not participating in the program?

Not participating in the exchanges? No, there's no consequence for not participating in the state exchanges.

Other than not receiving health care from the Obamacare program?

You'll have to clarify for me. Are you referring to the state exchanges as 'Obamacare' or are you referring to the requirement to have health insurance as 'Obamacare'?

There is a consequence for not having health insurance, there's no consequence for not participating in the state exchanges.