Many have ACA insurance but can not afford to use it

[cabri]

Link

Although more Americans have health insurance coverage, 25 percent of non-elderly Americans don’t have enough liquid assets to cover the deductible on their health insurance plan, according to a new report from the Kaiser Family Foundation.

The report finds that many consumers don’t have the cash on hand to cover the cost of a mid-range deductible or $1,200 for an individual or $2,400 per family. High deductible health plans require that consumers cover their health care costs out of pocket until they’ve met their deductible.

...

Low insurance payments equal high deductibles.

Is such really helping - keeps the initial insurance ACA enrollment stats up but what about the health stats?

$200 month plan but $5000 deductible
$7000+ before major coverage kicks in for issues.

 

[dud]

Link



Low insurance payments equal high deductibles.

Is such really helping - keeps the initial insurance ACA enrollment stats up but what about the health stats?

$200 month plan but $5000 deductible
$7000+ before major coverage kicks in for issues.

And if you don't buy into the insurance ... you get penalized when you file your taxes. Whether the ACA is affordable or not depends upon your perspective.

 

[fskimospy]

Link



Low insurance payments equal high deductibles.

Is such really helping - keeps the initial insurance ACA enrollment stats up but what about the health stats?

$200 month plan but $5000 deductible
$7000+ before major coverage kicks in for issues.

Except of course in the case of a major illness instead of paying $7,000 they would be paying $50,000. Or $200,000 like people I know.

If you're interested to see what people think about their ACA insurance you're in luck. People report satisfaction with it to approximately equal levels as regular private insurance.

http://www.gallup.com/poll/179396/newly-insured-exchanges-give-coverage-good-marks.aspx

So the people who actually have it appear to believe it's really helping. For some reason I imagine this will make you angry instead of happy.

 

[umbrella39]

This really isn't much different than employer sponsored health care at all. This has been the case with employer sponsored health care for years, well before ACA. Out of pocket deductibles have been going up for quite some time now. People with good jobs and employer sponsored health care struggling with whether or not to go to the doctor because of out of pocket cost is nothing new. ACA should be different?

 

[Moonbeam]

Obamacare in California for fantastic coverage is totally free. No deductible, no cost for drugs.

 

[soundforbjt]

Some info from wiki on the founder of The fiscal Times:

The publication received its initial funding from Peter G. Peterson, founder of the Peter G. Peterson Foundation and a billionaire investment banker, who has long advocated deficit reduction, reduced social welfare program expenditures, and cuts to Social Security.

Right wing place slams the ACA, say it ain't so...

 

[postmortemIA]

lol this is such BS, if they ever go to doctor, they will start using deductible. Without ACA, they would be screwed after they met the deducible. They would keep paying...With ACA at least they know what is their out of pocket maximum for a year.

And I am not defending ACA; the problem is that deductible is too damn high for low income families, they will probably not reach it in a year.

 

[cabri]

Some info from wiki on the founder of The fiscal Times:

Right wing place slams the ACA, say it ain't so...

Survey is from Kaiser - are they Right wing?
Seems like you are attacking the messenger while ignoring the message that is being carried.

Survey is from Kaiser

Higher cost sharing in private insurance has been credited with helping to slow the growth of health care costs in recent years. Plans with higher deductibles and other point of service costs provide health plan enrollees with incentives to make more cost conscious health care choices. For families with limited resources, however, high cost sharing can be a potential barrier to care and may lead these families to significant financial difficulties. Many current policies expose individual enrollees to thousands of dollars in cost sharing expenses and family expenses can easily top ten thousand dollars when someone becomes seriously ill.

While concerns about cost sharing are not new, the recent coverage expansions under the ACA put a new focus on what it means for coverage to be affordable. The goal of the law was to cover more of the uninsured, many of whom have limited means. The law requires most people to have health insurance, if they can afford to pay the premium, or to pay a penalty. The issue for some families, however, is that the policies with affordable premiums may have cost sharing requirements that would be difficult for them to meet when they access services. Many of the policies in the state and federal marketplaces have significant cost sharing, as do many policies provided to people at work [here]. The ACA provides cost-sharing assistance to some, primarily to those with incomes below 200 percent of poverty purchasing through a state or the federal marketplace (see sidebar). Others potentially face much higher out-of-pocket expenses.
...

 

[Rakehellion]

if they ever go to doctor, they will start using deductible. Without ACA, they would be screwed after they met the deducible..

Before ACA, they never went to the doctor at all. Now they still don't.

 

[cabri]

Before ACA, they never went to the doctor at all. Now they still don't.

and now they are paying hundreds for the privilege - either through unused insurance or federal penalties to support others.

 

[OverVolt]

Except of course in the case of a major illness instead of paying $7,000 they would be paying $50,000. Or $200,000 like people I know.

If you're interested to see what people think about their ACA insurance you're in luck. People report satisfaction with it to approximately equal levels as regular private insurance.

http://www.gallup.com/poll/179396/newly-insured-exchanges-give-coverage-good-marks.aspx

So the people who actually have it appear to believe it's really helping. For some reason I imagine this will make you angry instead of happy.

No... before you pretty much went bankrupt and went on medicaid. Now... you go bankrupt, then on medicaid. See? Much better now.

 

[OverVolt]

Survey is from Kaiser - are they Right wing?
Seems like you are attacking the messenger while ignoring the message that is being carried.

Survey is from Kaiser

I'm pretty sure Kaiser is pro-Kaiser.

And Kaiser thinks they can use obamacare to get a leg up over Blue cross.

 

[fskimospy]

No... before you pretty much went bankrupt and went on medicaid. Now... you go bankrupt, then on medicaid. See? Much better now.

Except of course you had to be below a very low income threshold to go on Medicaid, meaning that most people just went bankrupt or went without treatment. No Medicaid.

 

[OverVolt]

Except of course you had to be below a very low income threshold to go on Medicaid, meaning that most people just went bankrupt or went without treatment. No Medicaid.

Shouldn't have much income if you have something bad. You're going to go bankrupt without good employer insurance no matter what, basically.

 

[fskimospy]

Shouldn't have much income if you have something bad. You're going to go bankrupt without good employer insurance no matter what, basically.

That's pretty obviously wrong, as evidenced by the millions of people who didn't qualify for Medicaid because they made too much money but who also couldn't get their own insurance.

If what you were saying was true, that you were either fine or ended up on Medicaid, we never would have created the ACA to begin with. It's not.

 

[theeedude]

Link



Low insurance payments equal high deductibles.

Is such really helping - keeps the initial insurance ACA enrollment stats up but what about the health stats?

$200 month plan but $5000 deductible
$7000+ before major coverage kicks in for issues.

That's true for private insurance too. Universal single payer time.

 

[DCal430]

No... before you pretty much went bankrupt and went on medicaid. Now... you go bankrupt, then on medicaid. See? Much better now.

No. Before they went bankrupt and still got nothing. There was no medicaid for the poor before the ACA, and still isn't in backwards right wing statea.

 

[DCal430]

No

Except of course you had to be below a very low income threshold to go on Medicaid, meaning that most people just went bankrupt or went without treatment. No Medicaid.

Before the ACA medicaid you had to meet 3 test, all three must be true.

1. You are totally and permanently disabled or you are legally blind.

2. You have almost no income

3. You have almost no assets.

All three had to be yes to qualify for medicaid. Sadly in states without expansion you still must pass all three teat

 

[MongGrel]

Obamacare in California for fantastic coverage is totally free. No deductible, no cost for drugs.

I'm not sure how it works in CA.

So basically you're saying my Federal Taxes are helping pay for universal health care in CA and the other idiot states that refuse to adopt it correctly are screwing everyone in the butt?

Kinda interesting if ya look at it that way, go go Rick Scott, who should be in prison for Medical Fraud to begin with, rather than the Gov of Florida.

Rubio is really pissing me off these days also.

Interesting to see how the responses will go.

 

[OverVolt]

Too sick to work... check on no income.

Going bankrupt because of medical bills, check on no assets.

Where is the problem again?

 

[Texashiker]

Low insurance payments equal high deductibles.

Cooperate greed plays no part in that equation?

 

[IGBT]

that's by design. Elections Have Consequences..

 

[Jhhnn]

Link



Low insurance payments equal high deductibles.

Is such really helping - keeps the initial insurance ACA enrollment stats up but what about the health stats?

$200 month plan but $5000 deductible
$7000+ before major coverage kicks in for issues.

That's extremely misleading, intentionally so.

Compare the deductibles of the ACA to paying the whole thing yourself to get some perspective.

 

[OverVolt]

That's extremely misleading, intentionally so.

Compare the deductibles of the ACA to paying the whole thing yourself to get some perspective.

The perpetually sick are still screwed. Diabetes etc.

The healthy are screwed a little, out of cough & cold visits, paying premiums and still having huge deductibles.

The very sick are getting big help, liver transplants, cancer, whatever. It comes at the cost of run of the mill healthcare, which has been decimated IMO by the high deductibles. You basically don't use it, or hit the max out of pocket. Anything in-between is hugely cost prohibitive. It hasn't affected healthcare as a whole yet because the individual market is ~11 million or so apparently compared to I'm sure a good 100 million on employer plans. But it probably will after 2018 and the employer mandates kick in.

 

[fskimospy]

The perpetually sick are still screwed. Diabetes etc.

The healthy are screwed a little, out of cough & cold visits, paying premiums and still having huge deductibles.

The very sick are getting big help, liver transplants, cancer, whatever. It comes at the cost of run of the mill healthcare, which has been decimated IMO by the high deductibles. You basically don't use it, or hit the max out of pocket. Anything in-between is hugely cost prohibitive. It hasn't affected healthcare as a whole yet because the individual market is ~11 million or so apparently compared to I'm sure a good 100 million on employer plans. But it probably will after 2018 and the employer mandates kick in.

People with chronic conditions such as diabetes are among those who benefit the most from the ACA. Not only do they have options with lower deductibles available on the exchange, but people with diabetes often could not get private insurance at any price (or at least any sane price). This would lead to them not only not being able to afford treatment, but being unable to afford treatment for any of diabetes' many associated maladies.

Hell, it even extended to lots of other conditions. Have diabetes but break your arm in a fall? Too bad. Get unrelated cancer? Tough luck.

If you want to pick a group that is not benefitted by the ACA, diabetics are about the LAST place you want to look.