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Do you have your $6,000 deductible ready for your Obamacare?

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waggy said:
same and thank god.

it's not the cost of obamacare itself that would hurt. the deductible's i seen are insane!
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Beats nothing though, I've been in tight spots myself over the years where I've almost needed something like that in case of something catastrophic.

I'm not a big fan of insurance companies anyways, most of them are owned or associated with the large banks that have been irresponsible a long time now to begin with.

*shrug*
 
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Don Vito Corleone said:
That is essentially a catastrophic care plan, which is a) why it's the cheapest, and b) why it has a high deductible. Not sure why you think Obamacare is the reason such plans exist, as they have existed for many years. I had a catastrophic care plan when I was in law school, because I had no other source of insurance and it was all I could afford. My own insurance (which is a top-of-the-line Blue Cross Blue Shield plan with minimal co-pays, 60% of which is paid for by my employer) has remained the same since Obamacare was implemented.
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I think the point is that by requiring such a high deductible, it isn't affordable insurance for those unable to afford insurance before. The only real fix for that is socialized medicine (as in free health clinics) or socialized health insurance (as in single payer government insurance.) Granted, Obamacare made things worse by requiring so many freebies and such full coverage, but there really is no way to make health insurance affordable to those who can't afford health insurance except by either making the health care cheap (i.e. someone else pays for it) or making the health insurance cheap (i.e. someone else pays for it.) However, people who had health insurance which was affordable and met their needs certainly have a legitimate beef with Obamacare for making their insurance become unaffordable. We're not all highly paid lawyers, dude.

One caveat, Obamacare also mandates a total out-of-pocket which is lower than most policies, including eliminating the lifetime cap. So while Obamacare will wipe out some of your lifestyle, it is less likely to bankrupt you, unless you have almost no income or are one of those people who will stand no economic hardship and bankrupt over a few grand. Unless you happen to need an expensive treatment that is not covered, then it's still bankruptcy or die except starting with less money and less free income.

highland145 said:
Have had one for a while, $10K deductible + HSA. My complaint is going from $325 to $557/mo.
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Bingo. This is a very legitimate gripe. Obamacare for many people turned a perfectly adequate affordable policy into an unaffordable (or at the least, much less affordable) policy.

TheVrolok said:
Nope. I'm busy keeping my same plan and doctor.
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Bully for you. As for myself, Blue Cross Blue Shield of Tennessee is dropping all small business policies, so I'm out of health insurance come June. They simply cannot be self-supporting under the new rules and regulations, and being a not-for-profit with no evil profit to rob they cannot justify taking money from other people to provide health insurance to small businesses. And given that no other insurer is willing to even talk to us because the regulations are changing weekly.

But hey, as long as it works out for you.

EDIT: I will add that for the vast majority of us, living paycheck to paycheck is a choice, not a necessity. This is a wealthy nation and damned few of us don't have things we can cut out. I'm all for freedom to enjoy one's income, but not to the point that one cannot stand even a few thousand in unexpected expense, given how many ways that can happen. Temporarily cut your lifestyle severely to build up an emergency fund, then you can enjoy spending every cent of your income without worrying.
 
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werepossum said:
I think the point is that by requiring such a high deductible, it isn't affordable insurance for those unable to afford insurance before. The only real fix for that is socialized medicine (as in free health clinics) or socialized health insurance (as in single payer government insurance.) Granted, Obamacare made things worse by requiring so many freebies and such full coverage, but there really is no way to make health insurance affordable to those who can't afford health insurance except by either making the health care cheap (i.e. someone else pays for it) or making the health insurance cheap (i.e. someone else pays for it.) However, people who had health insurance which was affordable and met their needs certainly have a legitimate beef with Obamacare for making their insurance become unaffordable. We're not all highly paid lawyers, dude.

One caveat, Obamacare also mandates a total out-of-pocket which is lower than most policies, including eliminating the lifetime cap. So while Obamacare will wipe out some of your lifestyle, it is less likely to bankrupt you, unless you have almost no income or are one of those people who will stand no economic hardship and bankrupt over a few grand. Unless you happen to need an expensive treatment that is not covered, then it's still bankruptcy or die except starting with less money and less free income.


Bingo. This is a very legitimate gripe. Obamacare for many people turned a perfectly adequate affordable policy into an unaffordable (or at the least, much less affordable) policy.


Bully for you. As for myself, Blue Cross Blue Shield of Tennessee is dropping all small business policies, so I'm out of health insurance come June. They simply cannot be self-supporting under the new rules and regulations, and being a not-for-profit with no evil profit to rob they cannot justify taking money from other people to provide health insurance to small businesses. And given that no other insurer is willing to even talk to us because the regulations are changing weekly.

But hey, as long as it works out for you.

EDIT: I will add that for the vast majority of us, living paycheck to paycheck is a choice, not a necessity. This is a wealthy nation and damned few of us don't have things we can cut out. I'm all for freedom to enjoy one's income, but not to the point that one cannot stand even a few thousand in unexpected expense, given how many ways that can happen. Temporarily cut your lifestyle severely to build up an emergency fund, then you can enjoy spending every cent of your income without worrying.
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Where did you get the idea that tennessee blue cross was dropping all small business plans? I looked and don't see any evidence of that.
 
FelixDeCat said:
Its a shame though that we had to turn healthcare on its head for no reason. :\
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So millions of uninsured, Millions more thrown off rolls because their sick, Millions more buying insurance they thougt would cover things that it would eventually not cover and rising costs for decades!

Of course no reason!


I find it funny so many small businessmen are complaining about being thrown off of coverage when I was able to hire three people already this year that I would not have been able to get because they could get insurance on their own istead of my small business.

The reality I have noticed is many of my friends who are small businessman are paying more because they had shitty plans that gave their employees the illusion of coverage until they were sick.



The majority of the poeple I know who lost coverage were able to buy coverage at close to if not cheaper rates. The three people I know that had major increases were wealthy and could afford it.


/shrugs and wonders what planet some of you live in.
 
manimal said:
The majority of the poeple I know who lost coverage were able to buy coverage at close to if not cheaper rates.
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"Rates" doesn't tell the whole story. What is covered and what is not? Did the individual have to take a plan that saved them money because a plan closer to what they had prior would have cost them more? What are the changes in prescription coverage? And the big one is what is their deductible now versus what their deductible was before? This last item is the elephant in the room.

Blanket statements such as you made are meaningless because we don't know the data for a true comparison.
 
boomerang said:
"Rates" doesn't tell the whole story. What is covered and what is not? Did the individual have to take a plan that saved them money because a plan closer to what they had prior would have cost them more? What are the changes in prescription coverage? And the big one is what is their deductible now versus what their deductible was before? This last item is the elephant in the room.

Blanket statements such as you made are meaningless because we don't know the data for a true comparison.
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This entire thread is blanket statements with emotional bias.
 
Nope, but I live in Canada, so I don't need it.

Honestly I don't know how you Americans do it. Your system is so screwed. Don't get sick.
 
manimal said:
The majority of the poeple I know who lost coverage were able to buy coverage at close to if not cheaper rates. The three people I know that had major increases were wealthy and could afford it.


/shrugs and wonders what planet some of you live in.
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Well most of us live on the planet, not in it. That being said, sounds more like the people you know who had rate reductions did so because of income level if the ones who had the increases were wealthy. Tax subsidies are not rate reductions. Either way it doesn't seem like you know any of the average folks who got a "$2500/year premium reduction" as promised.
 
eskimospy said:
What's strange is that catastrophic plans are something that conservatives have supported for years as a good mechanism to control health care costs while shielding people from ruinous (catastrophic!) events. To complain about those plans now doesn't make sense.

My insurance is pretty good and it is actually 100% paid for by my employer. (look how fancy I am) Nothing has changed about it on my end since the ACA has been implemented.
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No premium cost increases for me. But my deductible went up. And the physician I use is now out of network. Meaning insurance wont pick up as much of the cost for my yearly checkup.
 
boomerang said:
Why you no give information to refute OP claim? Why you just make snide remark? Make you look no smart.
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The OP offered information and links to refute anecdotes and number pulled from ass in their OP? One make in a news and politics forum? Maybe in the Piss and Moan forum. Instead you could have asked who the drama queen award went to but maybe you can't feel the tiara atop the tin foil? I don't know. You low information voters confuse me more so when you congregate in circles like this. OP is still a liar.
 
Red Squirrel said:
Nope, but I live in Canada, so I don't need it.

Honestly I don't know how you Americans do it. Your system is so screwed. Don't get sick.
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Part of the thing is trying to become a bit more like Canadian health system.

Still wonder how that will effect all the snowbird Canadians come to FL ever year actually.

No Offense intended, but this health system will still be borked awhile after it goes into effectm and there are several states that have been running it way more effeciantely for a long time now.

It needs to be nationalized and brought up to date considering all the waste and overcharging, just to justify health workers jobs.

I've spent the last 30 years making medical and defense equipment for high end use myself and seen my job get pushed trivially out of middle class, things need to be fixed all over.

I make half my money these days over stock I had bought when being a tool and diemaker used to be viable every year.

Manufacturing has been abused for years now for profits and sending things overseas, I used to make almost twice what I am atm less than 5 years ago.

And people on many sites wonder why they can't buy up trained manufacturing people willing to relocate and uproot their lives these days.
 
Genx87 said:
No premium cost increases for me. But my deductible went up. And the physician I use is now out of network. Meaning insurance wont pick up as much of the cost for my yearly checkup.
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So, uhh, there are no qualified in network physicians for your checkup? Really?

Oh, and replying to a troll thread makes me feel a little dirty, anyway.
 
My mom's work has had the same shitty, high deductible insurance plan since she started working there 4 years ago. Everyone complained and the higher ups just blamed ObamaCare instead of owning up to being cheapskates.

And then there's that thing where they don't want to pay the average lawyer's salary for DC. Yep, they undercut on both salary and benefits and blame it on Obama. Except...they've been doing it for years.

Even if I got family coverage from there with my mom, the deductible would be insane.


Fuck that, I pay for a ObummerCare plan that's $350/m with no Deductible and everything is covered 90% - 100%.
 
Hope that is not a plan where you pay a tax for having a Cadillac insurance plan.

I know my plan at work we have a regular insurance with a $7k deductible and then another type of insurance that pays all but $250 of the deductible. One year I maxed out the deductible.

I would hate to pay for $6k of deductible. Of course you may also have copays and then things the insurance does not cover.

You don't know if insurance is any good till you have to use it!
 
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drinkmorejava said:
Is it really a $6k deductible, or just $6k max yearly out of pocket?
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Its around $4k for the deductible, it acts like 60/40 insurance after that, and then there is a $6.35k max out of pocket.

If you are that sick that you pay the deductible I don't see how you wouldn't hit the max out of pocket really quick.
 
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Matt1970 said:
Well most of us live on the planet, not in it.
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Actually I dont see you in geosynchronous orbit around the planet and are in fact within its atmosphere so yes in fact you are IN the planet since the planet consists of more than just the rocks you stand on.


To your other point I am somewhat tired of this argument. Its not perfect. Its not magic. Its a temporaty solution till people like you get your head out of your ass and warm up to single payer.


If people actually thought they were part of the world and our county and not islands onto themselves then maybe we could think about things as they they affect everyone not just your own selfish interests.

I would have been fine with a 200 percent increase if it meant people like my wife and son were covered from prexisting conditions. Funny though we ended up paying a ton less.
 
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