Whitehouse ACA Tax Crisis

[nickqt]

Pre-ACA? Probably the same per month but better coverage. But you're fucking dense so I'm wasting the lifespan of my keyboard on you.

By better coverage pre-ACA, do you mean better in the sense that the insurance company could retroactively cancel the policy when you need it the most?

Or that the insurance company could enact a year or lifetime $ cap on the amount that they would pay?

Or that insurance companies could deny coverage on a condition that they would consider pre-existing?

Ah, the good ol' days.

 

[schmuckley]

How about this? Screw the insurance companies and government?
Set some money aside for if something happens.
If it's not enough..well..things went bad.
Pay your doctor with cash.
1st you got the insurance companies who bribed the politicians in there wanting their cut of the transaction..then to top it off..Ol' Big Gov gotta get in there, too.
Meanwhile the patient and doctor both get ripped off.
I guarantee you this: It's lose-lose for the people.

 

[nickqt]

How about this? Screw the insurance companies and government?
Set some money aside for if something happens.
If it's not enough..well..things went bad.
Pay your doctor with cash.
1st you got the insurance companies who bribed the politicians in there wanting their cut of the transaction..then to top it off..Ol' Big Gov gotta get in there, too.
Meanwhile the patient and doctor both get ripped off.
I guarantee you this: It's lose-lose for the people.

Sounds like a terrible idea.

Go take a look at how much a MRI costs. No actual treatment, just a diagnostic picture.

"Set aside" money for a MRI, a biopsy, and some surgery? Seriously?

And doctors aren't getting ripped off.

 

[Jhhnn]

Pre-ACA? Probably the same per month but better coverage. But you're fucking dense so I'm wasting the lifespan of my keyboard on you.

Nice dodge. You're obviously referring to the hypothetical full price rather than the bottom line w/ subsidies. Few families not covered by employer sponsored plans could pay full price, then or now. Back then, they went without. Today, they can afford coverage.

 

[Subyman]

How much would this plan cost outside a health care exchange with same deductible?

My rate stayed the same, but my deductible went up. One thing is for sure, these people are worse off. Still no coverage, but now they are hit with a fee.

 

[Subyman]

And, uhh, I don't think you can back up those numbers at all. This handy-dandy calculator sure as hell doesn't-

http://kff.org/interactive/subsidy-calculator/

So? Tweak the numbers up or down a bit, point still stands. 6 million uncovered and are being hit with penalties that they didn't have to pay pre-ACA.

 

[ivwshane]

My rate stayed the same, but my deductible went up. One thing is for sure, these people are worse off. Still no coverage, but now they are hit with a fee.

You mean they don't have coverage because they chose not to have coverage or are you still talking about people not covered because their republican controlled state didn't expand Medicaid coverage?

Either way, you will have to settle for a party of one at your pity party

 

[OverVolt]

..

 

[shira]

A lot of people are also hit by the family loophole glitch. Where the employer plan is affordable for them, but not their family. So they don't qualify for any tax credit either.

I don't think so. There's a Schedule 8965 exemption for this:

Aggregate self-only coverage considered unaffordable — Two or more family members' aggregate cost of self-only employer-sponsored coverage was more than 8% of household income, as was the cost of any available employer-sponsored coverage for the entire family.

 

[OverVolt]

I don't think so. There's a Schedule 8965 exemption for this:

Cause thats what poor people excel at, tax law.

Pretty sure individual insurance exempts you from eligibility for the 1040 EZ and so turbotax and the like have been price gouging this year. Have fun when you file.

 

[Subyman]

You mean they don't have coverage because they chose not to have coverage or are you still talking about people not covered because their republican controlled state didn't expand Medicaid coverage?

Either way, you will have to settle for a party of one at your pity party

I'm fine, I have coverage. The pity party of 6M was enough to get the white house to address the issue.

 

[highland145]

How much would this plan cost outside a health care exchange with same deductible?

Pre-ACA? Probably the same per month but better coverage.

IDK who is screwing me or where the extra $$ is going but pre ACA $325/mo $10K deductible. Post ACA $618/mo, $10K deductible. Different company because the 1st one said I couldn't keep my plan.

 

[boomerang]

IDK who is screwing me or where the extra $$ is going but pre ACA $325/mo $10K deductible. Post ACA $618/mo, $10K deductible. Different company because the 1st one said I couldn't keep my plan.

Your government is screwing you. But it's for your own good. Try to remember that.

 

[highland145]

Your government is screwing you. But it's for your own good. Try to remember that.

So I didn't have an uncle molest me as a kid so I get one to molested now? Great.

 

[bshole]

IDK who is screwing me or where the extra $$ is going but pre ACA $325/mo $10K deductible. Post ACA $618/mo, $10K deductible. Different company because the 1st one said I couldn't keep my plan.

Dude, if you are can't afford it, you could move to Canada. Their health care blows ours away and is absolutely free.

Canada is by far the best country in the Americas. No other country even comes close.

 

[OverVolt]

IDK who is screwing me or where the extra $$ is going but pre ACA $325/mo $10K deductible. Post ACA $618/mo, $10K deductible. Different company because the 1st one said I couldn't keep my plan.

I feel for ya. Mine went from $150/month $1500 deductible and $20-40 copays to $210/month $4000 deductible and $50 copays. A specialist or hospital stay is now something like 30% coinsurance AFTER deductible. Terrible health insurance policy. The people who this law helps are going to be shocked when they actually get sick. That blowback hasn't happened yet but it will.

 

[highland145]

Dude, if you are can't afford it, you could move to Canada. Their health care blows ours away and is absolutely free.

Canada is by far the best country in the Americas. No other country even comes close.

So why are you living in WI?

I feel for ya. Mine went from $150/month $1500 deductible and $20-40 copays to $210/month $4000 deductible and $50 copays. A specialist or hospital stay is now something like 30% coinsurance AFTER deductible. Terrible health insurance policy. The people who this law helps are going to be shocked when they actually get sick. That blowback hasn't happened yet but it will.

You have copays? :jelly emote; I just have ipays until $10K.

 

[bshole]

So why are you living in WI?

All my family is here. I would miss them too much. I can still afford my healthcare. When I get really old, I may consider moving to Canada.

 

[fskimospy]

IDK who is screwing me or where the extra $$ is going but pre ACA $325/mo $10K deductible. Post ACA $618/mo, $10K deductible. Different company because the 1st one said I couldn't keep my plan.

Can you link to this plan? Your numbers seem highly unlikely.

I did a very quick search for South Carolina plans and found ones with much smaller deductibles for a fraction of the price.

 

[OverVolt]

So why are you living in WI?


You have copays? :jelly emote; I just have ipays until $10K.

It was really difficult to find a plan with copays. Most were 30% coinsurance AFTER deductible. I paid like an extra $20/mo for one.

 

[Doc Savage Fan]

I believe Republicans should just leave Obamacare as it is and let the reality of heavy tax penalties sink in for the next 2 years.

 

[fskimospy]

I believe Republicans should just leave Obamacare as it is and let the reality of heavy tax penalties sink in for the next 2 years.

I think they are afraid of the reality that the tax penalties aren't heavy and that people will realize that it's actually working pretty well.

In fact I think we've already seen that. Messaging about the ACA is hard for conservatives to do because they've been talking about how it was some sort of health care apocalypse for years. Considering so far things have turned out pretty well for most people it's going to be hard to get people to believe the next prediction of disaster.

Sort of a chicken little syndrome I think, no?

 

[boomerang]

I believe Republicans should just leave Obamacare as it is and let the reality of heavy tax penalties sink in for the next 2 years.

I couldn't agree more. Let their Frankenstein Monster wreak havoc throughout the nation unmolested. After all, it is the law of the land.

 

[OverVolt]

I couldn't agree more. Let their Frankenstein Monster wreak havoc throughout the nation unmolested. After all, it is the law of the land.

Sounds good to me, I can afford it fine. Its my coworkers who are the ones who can't afford it and I'm just sympathetic. Oh well they voted for it.

 

[OverVolt]

I think they are afraid of the reality that the tax penalties aren't heavy and that people will realize that it's actually working pretty well.

In fact I think we've already seen that. Messaging about the ACA is hard for conservatives to do because they've been talking about how it was some sort of health care apocalypse for years. Considering so far things have turned out pretty well for most people it's going to be hard to get people to believe the next prediction of disaster.

Sort of a chicken little syndrome I think, no?

Its not working. Part of the ACA was increased use of technology in hospitals. I think I've raked in like 10 hours of OT a week because none of the machines work as promised and they always break, the budget at everyplace that bought these machines is strained because of it. Not only did they spend millions on the machines but they typically doubled the workload as well. So either bite the bullet and hire more staff or get stuck with paying OT. Much like everything else in the law it doesn't do what was promised. Lol.

JHACO has caught on to the fact that 25% of all med mistakes are now sourced in EHR's. They were advertised as being 99.99% error free. Just like I could keep my doctor, keep my plan, and that my costs would go down. Its all a joke. I'm in the individual market and my costs went up, and I lost my plan. At great cost, I was able to keep my doctor though. Only because I knew them well and what plans they worked with. But those plans were pricier and had less coverage. Please explain. I suppose we could keep a running list of people you owe an explanation to.

So far me and highland145 on this page of this thread alone.