Obamacare ACA (Affordable Care Act)

tempo_n_groove

Gern Blansten said:

tempo_n_groove said:

CM189191 said:

tempo_n_groove said:

CM189191 said:

tempo_n_groove said:

CM189191 said:

tempo_n_groove said:

CM189191 said:

weird...health care is expensive...who knew?

How does your health care expenditure compare to your budgets for food, car or home?

For example, if I were to ballpark annual costs : 

• Health care insurance, Rx, and appointment co-pays : $2500 per year
• Car gas & maintenance : $3500
• Mortgage, assn dues, & home maintenance : $20000
• Grocery/food : $10000
• Student loans : paid off
• Pearl Jam concerts, merch & travel : $priceless

This is really rough napkin math.  But health care isn't so expensive for me when compared to other 'essentials'.

You only pay $2500 a year for health insurance?

My plan is $9800 a year...

single or family?

That's my single rate.  If my wife didn't cover herself, it would more or less double.  We don't have any kids, which would make it double again.  

So it still comes out to ~$2500 per year per person.  

Just me...

yikes, good luck with that

I don't understand why you pay a fraction of my cost?  I do have the "Gold Package".

because our health care system is broken

Gold package is thru ACA?

My coverage is thru my employer.  I do have a relatively high deductible ($6000?).  But I don't have any ongoing medical issues, so I contribute an equivalent amount to my HSA, which is invested and earning money.  At least it was until this year....

Yes they had a Bronze, silver, gold.

So I went back to see what the hell is going on with this and apparently because of the amount I make a year is reflected on how much I pay.

For shits and grins I put in that I make $25,000 and my monthly payment was $292 rather than $816 I pay now.

I have to pay more because others can't.  Isn't that some bullshit...

Actually we are paying less....the difference in premium is the government subsidy.  If the government wasn't subsidizing those with lesser income our premiums would definitely be higher.

Subsidies are pretty much gone hence why my insurance premiums go up 20% every year.

Edit:  I wanted to add that this was how the ACA was signed on in the first place, all the subsidies but all of those are waning and prices are skyrocketing because the insurance companies still need to make their profit since the govt isn't fitting the bill anymore.
https://www.ehealthinsurance.com/resources/individual-and-family/health-insurance-subsidies-2018-still-available

Gern Blansten

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

CM189191 said:

tempo_n_groove said:

CM189191 said:

tempo_n_groove said:

CM189191 said:

tempo_n_groove said:

CM189191 said:

weird...health care is expensive...who knew?

How does your health care expenditure compare to your budgets for food, car or home?

For example, if I were to ballpark annual costs : 

• Health care insurance, Rx, and appointment co-pays : $2500 per year
• Car gas & maintenance : $3500
• Mortgage, assn dues, & home maintenance : $20000
• Grocery/food : $10000
• Student loans : paid off
• Pearl Jam concerts, merch & travel : $priceless

This is really rough napkin math.  But health care isn't so expensive for me when compared to other 'essentials'.

You only pay $2500 a year for health insurance?

My plan is $9800 a year...

single or family?

That's my single rate.  If my wife didn't cover herself, it would more or less double.  We don't have any kids, which would make it double again.  

So it still comes out to ~$2500 per year per person.  

Just me...

yikes, good luck with that

I don't understand why you pay a fraction of my cost?  I do have the "Gold Package".

because our health care system is broken

Gold package is thru ACA?

My coverage is thru my employer.  I do have a relatively high deductible ($6000?).  But I don't have any ongoing medical issues, so I contribute an equivalent amount to my HSA, which is invested and earning money.  At least it was until this year....

Yes they had a Bronze, silver, gold.

So I went back to see what the hell is going on with this and apparently because of the amount I make a year is reflected on how much I pay.

For shits and grins I put in that I make $25,000 and my monthly payment was $292 rather than $816 I pay now.

I have to pay more because others can't.  Isn't that some bullshit...

Actually we are paying less....the difference in premium is the government subsidy.  If the government wasn't subsidizing those with lesser income our premiums would definitely be higher.

Subsidies are pretty much gone hence why my insurance premiums go up 20% every year.

Edit:  I wanted to add that this was how the ACA was signed on in the first place, all the subsidies but all of those are waning and prices are skyrocketing because the insurance companies still need to make their profit since the govt isn't fitting the bill anymore.
https://www.ehealthinsurance.com/resources/individual-and-family/health-insurance-subsidies-2018-still-available

No they aren't gone.  They still subsidize the plans.  If they didn't subsidize then fewer people would have the insurance and the rest of us would experience higher premiums because of it.

Gern Blansten

tempo_n_groove said:

CM189191 said:

tempo_n_groove said:

CM189191 said:

tempo_n_groove said:

CM189191 said:

tempo_n_groove said:

CM189191 said:

tempo_n_groove said:

CM189191 said:

weird...health care is expensive...who knew?

How does your health care expenditure compare to your budgets for food, car or home?

For example, if I were to ballpark annual costs : 

• Health care insurance, Rx, and appointment co-pays : $2500 per year
• Car gas & maintenance : $3500
• Mortgage, assn dues, & home maintenance : $20000
• Grocery/food : $10000
• Student loans : paid off
• Pearl Jam concerts, merch & travel : $priceless

This is really rough napkin math.  But health care isn't so expensive for me when compared to other 'essentials'.

You only pay $2500 a year for health insurance?

My plan is $9800 a year...

single or family?

That's my single rate.  If my wife didn't cover herself, it would more or less double.  We don't have any kids, which would make it double again.  

So it still comes out to ~$2500 per year per person.  

Just me...

yikes, good luck with that

I don't understand why you pay a fraction of my cost?  I do have the "Gold Package".

because our health care system is broken

Gold package is thru ACA?

My coverage is thru my employer.  I do have a relatively high deductible ($6000?).  But I don't have any ongoing medical issues, so I contribute an equivalent amount to my HSA, which is invested and earning money.  At least it was until this year....

Yes they had a Bronze, silver, gold.

So I went back to see what the hell is going on with this and apparently because of the amount I make a year is reflected on how much I pay.

For shits and grins I put in that I make $25,000 and my monthly payment was $292 rather than $816 I pay now.

I have to pay more because others can't.  Isn't that some bullshit...

Not really - You pay more because you can at this point in time right now. 

What about when you were an infant, or if you lost your job, or grow old and can't work anymore?  Insurance helps to spread those costs around.  Not just for yourself, but for everyone.  This brings stability to the market, which helps to control costs.

This is easy enough to break down.

You pay more because you can at this point in time right now-   This isn't very smart.  I don't want to pay more.  I'd like to pay as much as the next guy and an even playing field.  Non of this trickle down crap.

What about when you were an infant- Parents have insurance usually so this is silly.  I

What about if you grow old- That would be Medicare/medicaid/Social security benefits that takes care of this.  I pay in to it every pay check.

What about if can't work anymore- SS disability covers this too should I not be able to work.  Again this is something I pay into.

I had mentioned before that if for any reason that I should become ill I am quitting my job, getting welfare so that all my medical bills are covered.  There is zero point in myself trying to maintain a household and keep paying for insurance that is obviously overpriced so I'll just go the poverty route.

This is why this country is so screwed up with the whole healthcare thing.  If EVERYONE pays into one big group fund then there is zero reason that along with medicare and SS benefits that we can't have a universal healthcare for everyone.

I don't want to have to pay higher so that others can pay lower, that is what the SS/medicare/medicaid tax is for.

You have a very bad understanding of this.

Meltdown99

Talk about sticker shock seeing some of the premiums you folks pay.  You really need universal health care that does not include those gangster insurance companies.

tempo_n_groove

Gern Blansten said:

tempo_n_groove said:

C

Not really - You pay more because you can at this point in time right now. 

What about when you were an infant, or if you lost your job, or grow old and can't work anymore?  Insurance helps to spread those costs around.  Not just for yourself, but for everyone.  This brings stability to the market, which helps to control costs.

This is easy enough to break down.

You pay more because you can at this point in time right now-   This isn't very smart.  I don't want to pay more.  I'd like to pay as much as the next guy and an even playing field.  Non of this trickle down crap.

What about when you were an infant- Parents have insurance usually so this is silly.  I

What about if you grow old- That would be Medicare/medicaid/Social security benefits that takes care of this.  I pay in to it every pay check.

What about if can't work anymore- SS disability covers this too should I not be able to work.  Again this is something I pay into.

I had mentioned before that if for any reason that I should become ill I am quitting my job, getting welfare so that all my medical bills are covered.  There is zero point in myself trying to maintain a household and keep paying for insurance that is obviously overpriced so I'll just go the poverty route.

This is why this country is so screwed up with the whole healthcare thing.  If EVERYONE pays into one big group fund then there is zero reason that along with medicare and SS benefits that we can't have a universal healthcare for everyone.

I don't want to have to pay higher so that others can pay lower, that is what the SS/medicare/medicaid tax is for.

You have a very bad understanding of this.

Please explain it to me because I think i'm all caught up.

tempo_n_groove

Gern Blansten said:

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

Bronze, silver, gold.

So I went back to see what the hell is going on with this and apparently because of the amount I make a year is reflected on how much I pay.

For shits and grins I put in that I make $25,000 and my monthly payment was $292 rather than $816 I pay now.

I have to pay more because others can't.  Isn't that some bullshit...

Actually we are paying less....the difference in premium is the government subsidy.  If the government wasn't subsidizing those with lesser income our premiums would definitely be higher.

Subsidies are pretty much gone hence why my insurance premiums go up 20% every year.

Edit:  I wanted to add that this was how the ACA was signed on in the first place, all the subsidies but all of those are waning and prices are skyrocketing because the insurance companies still need to make their profit since the govt isn't fitting the bill anymore.
https://www.ehealthinsurance.com/resources/individual-and-family/health-insurance-subsidies-2018-still-available

No they aren't gone.  They still subsidize the plans.  If they didn't subsidize then fewer people would have the insurance and the rest of us would experience higher premiums because of it.

I'm guessing you didn't read the article?

tempo_n_groove

If I am wrong then I'll admit it but you've got to show me where.

Gern Blansten

tempo_n_groove said:

If I am wrong then I'll admit it but you've got to show me where.

show you where?  Go to healthcare.gov and sign up for a plan.  If your income allows you get a subsidy.  It's all still there man.

tempo_n_groove

Gern Blansten said:

tempo_n_groove said:

If I am wrong then I'll admit it but you've got to show me where.

show you where?  Go to healthcare.gov and sign up for a plan.  If your income allows you get a subsidy.  It's all still there man.

Yes they are there now but there was an executive order signed by Trump where this won't be the case.  They are going to go away.  

The Insurance companies are raking in money by raising premiums each year because they know that subsidies are going away too.

It's criminal.

Meltdown99

https://www.youtube.com/watch?v=goSdL4DfUuE

This is why Canada needs universal health care.

CM189191

Gern Blansten said:

tempo_n_groove said:

CM189191 said:

tempo_n_groove said:

CM189191 said:

tempo_n_groove said:

CM189191 said:

tempo_n_groove said:

CM189191 said:

tempo_n_groove said:

CM189191 said:

weird...health care is expensive...who knew?

How does your health care expenditure compare to your budgets for food, car or home?

For example, if I were to ballpark annual costs : 

• Health care insurance, Rx, and appointment co-pays : $2500 per year
• Car gas & maintenance : $3500
• Mortgage, assn dues, & home maintenance : $20000
• Grocery/food : $10000
• Student loans : paid off
• Pearl Jam concerts, merch & travel : $priceless

This is really rough napkin math.  But health care isn't so expensive for me when compared to other 'essentials'.

You only pay $2500 a year for health insurance?

My plan is $9800 a year...

single or family?

That's my single rate.  If my wife didn't cover herself, it would more or less double.  We don't have any kids, which would make it double again.  

So it still comes out to ~$2500 per year per person.  

Just me...

yikes, good luck with that

I don't understand why you pay a fraction of my cost?  I do have the "Gold Package".

because our health care system is broken

Gold package is thru ACA?

My coverage is thru my employer.  I do have a relatively high deductible ($6000?).  But I don't have any ongoing medical issues, so I contribute an equivalent amount to my HSA, which is invested and earning money.  At least it was until this year....

Yes they had a Bronze, silver, gold.

So I went back to see what the hell is going on with this and apparently because of the amount I make a year is reflected on how much I pay.

For shits and grins I put in that I make $25,000 and my monthly payment was $292 rather than $816 I pay now.

I have to pay more because others can't.  Isn't that some bullshit...

Not really - You pay more because you can at this point in time right now. 

What about when you were an infant, or if you lost your job, or grow old and can't work anymore?  Insurance helps to spread those costs around.  Not just for yourself, but for everyone.  This brings stability to the market, which helps to control costs.

This is easy enough to break down.

You pay more because you can at this point in time right now-   This isn't very smart.  I don't want to pay more.  I'd like to pay as much as the next guy and an even playing field.  Non of this trickle down crap.

What about when you were an infant- Parents have insurance usually so this is silly.  I

What about if you grow old- That would be Medicare/medicaid/Social security benefits that takes care of this.  I pay in to it every pay check.

What about if can't work anymore- SS disability covers this too should I not be able to work.  Again this is something I pay into.

I had mentioned before that if for any reason that I should become ill I am quitting my job, getting welfare so that all my medical bills are covered.  There is zero point in myself trying to maintain a household and keep paying for insurance that is obviously overpriced so I'll just go the poverty route.

This is why this country is so screwed up with the whole healthcare thing.  If EVERYONE pays into one big group fund then there is zero reason that along with medicare and SS benefits that we can't have a universal healthcare for everyone.

I don't want to have to pay higher so that others can pay lower, that is what the SS/medicare/medicaid tax is for.

You have a very bad understanding of this.

Gern Blansten

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

If I am wrong then I'll admit it but you've got to show me where.

show you where?  Go to healthcare.gov and sign up for a plan.  If your income allows you get a subsidy.  It's all still there man.

Yes they are there now but there was an executive order signed by Trump where this won't be the case.  They are going to go away.  

The Insurance companies are raking in money by raising premiums each year because they know that subsidies are going away too.

It's criminal.

yeah that didn't work....subsidies aren't going anywhere 

tempo_n_groove

Gern Blansten said:

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

If I am wrong then I'll admit it but you've got to show me where.

show you where?  Go to healthcare.gov and sign up for a plan.  If your income allows you get a subsidy.  It's all still there man.

Yes they are there now but there was an executive order signed by Trump where this won't be the case.  They are going to go away.  

The Insurance companies are raking in money by raising premiums each year because they know that subsidies are going away too.

It's criminal.

yeah that didn't work....subsidies aren't going anywhere 

I hope that is right and Trump's EO gets overturned and the premiums actually go down.

It's ridiculous how much I pay...

rgambs

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

If I am wrong then I'll admit it but you've got to show me where.

show you where?  Go to healthcare.gov and sign up for a plan.  If your income allows you get a subsidy.  It's all still there man.

Yes they are there now but there was an executive order signed by Trump where this won't be the case.  They are going to go away.  

The Insurance companies are raking in money by raising premiums each year because they know that subsidies are going away too.

It's criminal.

yeah that didn't work....subsidies aren't going anywhere 

I hope that is right and Trump's EO gets overturned and the premiums actually go down.

It's ridiculous how much I pay...

I actually don't think it's that crazy ridiculous to spend a 10th of your income on healthcare, it's just that for a 10th of your income you should actually get healthcare and not just the medical disaster insurance that we actually have.

tempo_n_groove

rgambs said:

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

If I am wrong then I'll admit it but you've got to show me where.

show you where?  Go to healthcare.gov and sign up for a plan.  If your income allows you get a subsidy.  It's all still there man.

Yes they are there now but there was an executive order signed by Trump where this won't be the case.  They are going to go away.  

The Insurance companies are raking in money by raising premiums each year because they know that subsidies are going away too.

It's criminal.

yeah that didn't work....subsidies aren't going anywhere 

I hope that is right and Trump's EO gets overturned and the premiums actually go down.

It's ridiculous how much I pay...

I actually don't think it's that crazy ridiculous to spend a 10th of your income on healthcare, it's just that for a 10th of your income you should actually get healthcare and not just the medical disaster insurance that we actually have.

Agreed.  I still have out of pocket expenses when I go to the doctor too.

HesCalledDyer

My prescriptions went up by as much as $10 each this year.  An extra $33 I have to spend every refill now.  Jesus fucking christ.

CM189191

rgambs said:

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

If I am wrong then I'll admit it but you've got to show me where.

show you where?  Go to healthcare.gov and sign up for a plan.  If your income allows you get a subsidy.  It's all still there man.

Yes they are there now but there was an executive order signed by Trump where this won't be the case.  They are going to go away.  

The Insurance companies are raking in money by raising premiums each year because they know that subsidies are going away too.

It's criminal.

yeah that didn't work....subsidies aren't going anywhere 

I hope that is right and Trump's EO gets overturned and the premiums actually go down.

It's ridiculous how much I pay...

I actually don't think it's that crazy ridiculous to spend a 10th of your income on healthcare, it's just that for a 10th of your income you should actually get healthcare and not just the medical disaster insurance that we actually have.

34% of average income on housing 
18% on transportation



Why is 10-15% of your income for healthcare & insruance so unreasonable?  

HesCalledDyer

I agree with gambs, 10% wouldn't be bad if we actually got healthCARE for it. But we don't. We get health insurance - a multi-billion dollar industry.

tempo_n_groove

CM189191 said:

rgambs said:

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

If I am wrong then I'll admit it but you've got to show me where.

show you where?  Go to healthcare.gov and sign up for a plan.  If your income allows you get a subsidy.  It's all still there man.

Yes they are there now but there was an executive order signed by Trump where this won't be the case.  They are going to go away.  

The Insurance companies are raking in money by raising premiums each year because they know that subsidies are going away too.

It's criminal.

yeah that didn't work....subsidies aren't going anywhere 

I hope that is right and Trump's EO gets overturned and the premiums actually go down.

It's ridiculous how much I pay...

I actually don't think it's that crazy ridiculous to spend a 10th of your income on healthcare, it's just that for a 10th of your income you should actually get healthcare and not just the medical disaster insurance that we actually have.

34% of average income on housing 
18% on transportation



Why is 10-15% of your income for healthcare & insruance so unreasonable?  

This person in the chart only spends $2500 a year on healthcare?  That must be out of pocket expenses.  Whom actually pays their premium though?

This chart must be for someone who lives in the midwest because you aren't surviving here in NY on that salary...

rgambs

tempo_n_groove said:

CM189191 said:

rgambs said:

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

Gern Blansten said:

tempo_n_groove said:

If I am wrong then I'll admit it but you've got to show me where.

show you where?  Go to healthcare.gov and sign up for a plan.  If your income allows you get a subsidy.  It's all still there man.

Yes they are there now but there was an executive order signed by Trump where this won't be the case.  They are going to go away.  

The Insurance companies are raking in money by raising premiums each year because they know that subsidies are going away too.

It's criminal.

yeah that didn't work....subsidies aren't going anywhere 

I hope that is right and Trump's EO gets overturned and the premiums actually go down.

It's ridiculous how much I pay...

I actually don't think it's that crazy ridiculous to spend a 10th of your income on healthcare, it's just that for a 10th of your income you should actually get healthcare and not just the medical disaster insurance that we actually have.

34% of average income on housing 
18% on transportation



Why is 10-15% of your income for healthcare & insruance so unreasonable?  

This person in the chart only spends $2500 a year on healthcare?  That must be out of pocket expenses.  Whom actually pays their premium though?

This chart must be for someone who lives in the midwest because you aren't surviving here in NY on that salary...

You dont really think everyone in NY makes more than 50,000$ a year do you?