Affordable Care Act

Coredor said:
That's part of the health insurance law though. You cannot deny coverage on the exchange or discriminate due to price for pre-existing conditions or health risks. In his case it would have been a past condition since he's been healthy for years. It's frustrating that people don't understand this. You can be healthy your entire life and something can go wrong. If you're uninsured it can break you or if you purchase insurance on your own your rates can sky rocket. Too often people who make "free market" decisions to not buy insurance forget that they might need it one day. The individual mandate is really a way to protect people from their own ignorance.
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I sincerely hope he finds relief, but honestly I don't think so. The rates in our area will be exactly the same in the exchange as outside of it, but are yet undecided (which means they haven't decided how much they are going up). So there won't be any benefit in our area except that you get a fine for not having it. (Which gives insurors little incentive to get competitive on rates).

Just because you can't ask about existing conditions doesn't mean the rate will be better. In fact, the insurer has actuaries that will likely assume the worst to protect themselves because he is quite healthy and no recent history, so he could get penalized .
 
57Brave said:
You are right, I have no talking points to counter the article and no earthly idea why a person in Minnesota and another person in Alabama is struggling. I dont know these people, their lifestyles or health conditions. Or more importantly in the case of this article, their political persuasion.

this quote:

“For years we have worked hard and stood on our own feet. Now this man (President Obama) has wrecked my finances and I am supposed to trust him to give me government money so that I can be insured and have the ability to take my children to the doctor. I was proud to be insured. At this point I’d rather be uninsured then depend on this man,” she said.

///

Let me add, my family is not using the exchanges so I have very limited knowledge of their rates, practicality or coverage. There are not enough hours in the day for me to research a program that i won't be using any time soon
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But your first post in this thread is saying that if you already have insurance, this law does not affect you... Clearly - it affects folks at Trader Joe's, and they are paying a much heavier price for the "affordable and accessible health care"
 
Tapate50 said:
I sincerely hope he finds relief, but honestly I don't think so. The rates in our area will be exactly the same in the exchange as outside of it, but are yet undecided (which means they haven't decided how much they are going up). So there won't be any benefit in our area except that you get a fine for not having it. (Which gives insurors little incentive to get competitive on rates).

Just because you can't ask about existing conditions doesn't mean the rate will be better. In fact, the insurer has actuaries that will likely assume the worst to protect themselves because he is quite healthy and no recent history, so he could get penalized .
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Yep. I work for an insurance company - and they automatically price in fraud.

You can bet that health insurance companies will automatically price in pre-existing conditions
 
sturg33 said:
Yep. I work for an insurance company - and they automatically price in fraud.

You can bet that health insurance companies will automatically price in pre-existing conditions
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Remember, you have been told you clearly do not understand the way this works. It must be true, 57 quoted Tumblr on it.
 
I'll repeat, if you're rates increased two fold one of two things happened. a) you are not accessing the info properly b) you are buying insurance for yourself for the first time.In the latter case you would be suffering from sticker shock. A family member with one child has gone from $1200 a month to $2500 per year. She too is paying for her own insurance for the first time and her reactions to cost were very similar to yours.
 
57Brave said:
I'll repeat, if you're rates increased two fold one of two things happened. a) you are not accessing the info properly b) you are buying insurance for yourself for the first time.In the latter case you would be suffering from sticker shock. A family member with one child has gone from $1200 a month to $2500 per year. She too is paying for her own insurance for the first time and her reactions to cost were very similar to yours.
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Not sure what you're talking about...

So jsut to be clear - the article stated above, the one you are incapable of commenting on, states that Trader Joe's dropped their insurance for part-time employees (get used to that happening)... And those employees then found that Obamacare insurance is twice as expensive, with worse coverage, and an absurd deductible. But I'm sure that is just them not understanding how the law works.
 
I will humor you.

Went back to your article and used the calculator.
Input US Average
$20,000 because I guess that would be max a part time worker gets
1 Adult- non-smoker
no children

Came back :

Results

The information below is about subsidized exchange coverage. Note that subsidies are only available for people purchasing coverage on their own in the exchange (not through an employer). Depending on your state's eligibility criteria, you or some members of your family may qualify for Medicaid.

Household income in 2014:
174% of poverty level
Unsubsidized annual health insurance premium in 2014:
$2,535
Maximum % of income you have to pay for the non-tobacco premium, if eligible for a subsidy:
5.11%
Amount you pay for the premium:
$1,021 per year
(which equals 5.11% of your household income and covers 40% of the overall premium)
You could receive a government tax credit subsidy of up to:
$1,514
(which covers 60% of the overall premium)
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Calculator -I tried to paste the link to the calculator and not working n I gotta go. Go back a page and use the calculator link included in the article you posted.
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I am not sure what isn't affordable here. This works out to less than $100 a month. Unless of course Trader Joes was paying the whole shebang -- again like I have said over 5 times in this thread, I don't know!
 
57Brave said:
I will humor you.

Went back to your article and used the calculator.
Input US Average
$20,000 because I guess that would be max a part time worker gets
1 Adult- non-smoker
no children

Came back :

Results

The information below is about subsidized exchange coverage. Note that subsidies are only available for people purchasing coverage on their own in the exchange (not through an employer). Depending on your state's eligibility criteria, you or some members of your family may qualify for Medicaid.

Household income in 2014:
174% of poverty level
Unsubsidized annual health insurance premium in 2014:
$2,535
Maximum % of income you have to pay for the non-tobacco premium, if eligible for a subsidy:
5.11%
Amount you pay for the premium:
$1,021 per year
(which equals 5.11% of your household income and covers 40% of the overall premium)
You could receive a government tax credit subsidy of up to:
$1,514
(which covers 60% of the overall premium)
//////

Calculator -I tried to paste the link to the calculator and not working n I gotta go. Go back a page and use the calculator link included in the article you posted.
/////

I am not sure what isn't affordable here. This works out to less than $100 a month. Unless of course Trader Joes was paying the whole shebang -- again like I have said over 5 times in this thread, I don't know!
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Like with many of your posts, I'm very confused... From the article:

Workers who were dropped by their employer’s health insurance are being told to sign-up for Obamacare. However, they are discovering that it is certainly not that easy. Workers are finding a buggy and complicated system where their premiums are outrageous and that they are too wealthy for the tax deductions promised under ACA. Let’s look at Trader Joe’s.

According to Huffington Post, grocer Trader Joe’s, which has long-lauded the fact that it provided health benefits to part-time workers, has now dropped that coverage, telling employees to sign up for insurance using the ACA exchanges.

The Huffington Post reports: “In the memo to staff dated Aug. 30, Trader Joe’s CEO Dan Bane said the company will cut part-timers a check for $500 in January and help guide them toward finding a new plan under the Affordable Care Act. The company will continue to offer health coverage to workers who carry 30 hours or more on average.”

This memo continues, “Depending on income you may earn outside of Trader Joe’s” — i.e., another job – “we believe that with the $500 from Trader Joe’s and the tax credits available under the ACA, many of you should be able to obtain health care coverage at very little if any net cost to you.”

Hard working Americans are discovering that signing up for ACA is not like Geico were it’s “so easy a caveman could do it.”

Since the start of the sign-up period, bewildered Trader Joe’s employees have taken to social media to voice their frustration.

One family paid $180 per month under the Trader Joe’s plan for part-time workers, which covered him and his wife, who worked at the retailer.

As directed, they searched on the exchanges, and to their surprise, they found worse coverage for more money. He writes, “MNSure [the State of Minnesota health insurance exchange] was able to find us 1 plan (had to change the date to 2014 just to get that!). 1 PLAN. The rate? $555.81 with a $6,000 DEDUCTIBLE. MORE than 3X what we were paying for a WORSE PLAN! And no, we are not eligible for any tax deductions, and NO we are not rich. In fact we have budgeted nearly every dollar we make to paying off debt BEFORE this happened!”


The screenshot clearly show his monthly premium is $581 a month to cover he and his wife, and his deductible is $6K. That is for the "silver plan - the second worst option.

So I'm not sure where your calculations came from. It's really not relatable at all.

Here is another snippet

One family in Alabama was shocked to see that their premium will go from $352 a month to $795.54 a month, and their deductible to go up from $500 to $2000. BenSwann.com’s Joshua Cook asked the mother Courtney about her sticker shock. She said, “the BCBS letter (see below) we received says my policy now meets ACA requirements, and my premium included the required ACA tax and fees now. As of December 31 my policy premium is up $444.54 and my deductible has gone up $500 to $2000. This is going to cause my family to be uninsured.”

But rest assured, Obamacare will not negatively affect anyone who already had health insurance- and be certain that is more "affordable"

LOL.
 
you show two examples with nothing more than the word of a blog that openly advocaties the repeal of a law that I voted for. Twice
If you run the numbers through the calculator provided by the blogger you get a totally different picture than the blogger portrays. That would require reading the article to the end --- I will wait

Once more -- I am keeping my HC policy meaning personally don't know or care how the exchanges works and actually I've learned more of the nuts and bolts just wondering why your bill is so high. Besides the fact the name Obama is attached to the nickname. Fact is and I acknowledged earlier there are a handful of states that there will be price increases due to the number of insurance companies operating in said state exchanges. Capitalism says, if there is a void- it will be filled and all experts expect those states to come into line with those more populated states.

C'mon Sturg -- run the numbers for yourself --
 
I think it's hilarious that they can't even get a website to work after three years and unlimited resources. Don't worry though, Obamacare will do everything promised!
 
5 people have signed up in Iowa and Hawaii combined. How can anyone defend this mess? More proof we need less government rather than more.

Also nice seeing the IRS already disclosing private information with the White House that they're not at liberty to discuss. I'm not worried at all about my health records being in the wrong hands or identity theft at all...
 
Just in this morning... Our area will see rate hikes on 11\1 and 12\1 and 1\1\2014 to get to ACA approved rates. Enjoy America! Remember, you gotta pay this or you get fined!
 
The sad thing about all this to me is that the government has plenty of money to provide everyone in this country top notch health care. We just prioritize other ****.

We could save a ton of money ending the war on drugs that has led to 86 percent of inmates in prison on victimless crimes. We pay 50k+ a year to Incarcerate them. They could put 2 armed cops in every school to protect from school shooters with the extra law enforcement resources.

The money spent in Iraq is more than enough topay eeveryone's healthcare. We have aerious problems when we prioritize killing people over providing health care for our own citizens.

There should also be a limit to the amount of kids the government will help you support. 1 kid I can understand but if you can't support them don't have them. We are subsidizing stupidity. Stupid people need to die off so their genes don't infect the rest of the world.
 
cajunrevenge said:
The sad thing about all this to me is that the government has plenty of money to provide everyone in this country top notch health care. We just prioritize other ****.

We could save a ton of money ending the war on drugs that has led to 86 percent of inmates in prison on victimless crimes. We pay 50k+ a year to Incarcerate them. They could put 2 armed cops in every school to protect from school shooters with the extra law enforcement resources.

The money spent in Iraq is more than enough topay eeveryone's healthcare. We have aerious problems when we prioritize killing people over providing health care for our own citizens.

There should also be a limit to the amount of kids the government will help you support. 1 kid I can understand but if you can't support them don't have them. We are subsidizing stupidity. Stupid people need to die off so their genes don't infect the rest of the world.
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Good points. Our taxes are low compared to other countries in the developed world. We could still have low taxes and do a lot more in terms of health care if our priorities were a bit different and we took a chunk out of defense.

BUT, cut the defense budget and a lot of pretty decent jobs in the munitions and armaments industry go away. One of the things that I always laugh about is that when the government spends a dollar on a social service program, it's Keynesian economics run amuck. Spend the same dollar in the defense industry and somehow it's not Keynesian economics anymore. It's all about maintaining a strong national defense.
 
sturg33 said:
57 - you're thoughts?

http://benswann.com/exclusive-many-americans-suffering-sticker-shock-is-obamacare-really-affordable/
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you got me curious --- I looked at WebMD http://www.webmd.com/health-insurance/mn/mnsure-minnesota-health-insurance-marketplace

and clicked the links you provided. https://www.facebook.com/photo.php?....345592140570.346714.507505570&type=1&theater

Read the comments below on the Blue Cross link. Seems the issue is not the ACA but it's application in SE Minn. http://www.twincities.com/politics/ci_24091425/mnsure-rates-vary-by-region-heres-why-premiums

The writer is being advised to use a Minneapolis zip code and see the rate changes. Perhaps we didn't spend 2-3 years dealing with distractions from birth certificates to Benghazi perhaps these glitches could have been ironed out in public. Perhaps?

Perhaps instead of Trump and birth certificates we could have had Trump and Rate Regions. Whatcha think?
 
So it's the Republicans and tea party that is responsible for the $634 million mess that is the affordable care act's website? Those birthers are like Bush, it's always their fault.
 
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