(UPDATED) Trying to stay out of the Obamacare debate...

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Comments

  • Shawshank
    Shawshank Posts: 1,018
    Good lord, I've been trying for an hour, going through the entire process, creating an account, password, security questions, etc. Then it says "Important: Your account couldnt be created at this time. The system is unavailable." :lol:

    I think I'll wait until November for this to cool off.
  • quimby20
    quimby20 Posts: 823
    Shawshank wrote:
    Good lord, I've been trying for an hour, going through the entire process, creating an account, password, security questions, etc. Then it says "Important: Your account couldnt be created at this time. The system is unavailable." :lol:

    I think I'll wait until November for this to cool off.
    They knew this weeks ago
  • Hugh Freaking Dillon
    Hugh Freaking Dillon Posts: 14,010
    easy solution-move to Canada. I'll buy you a decent tasting beer when you arrive.
    Gimli 1993
    Fargo 2003
    Winnipeg 2005
    Winnipeg 2011
    St. Paul 2014
  • MotoDC
    MotoDC Posts: 947
    Hugh Freaking Dillon wrote:
    easy solution-move to Canada. I'll buy you a decent tasting beer when you arrive.
    You can mock our healthcare system all you want, but you start talking down American beer and you'll get what's comin' to ya, buddy!
  • JimmyV
    JimmyV Boston's MetroWest Posts: 19,598
    MotoDC wrote:
    Hugh Freaking Dillon wrote:
    easy solution-move to Canada. I'll buy you a decent tasting beer when you arrive.
    You can mock our healthcare system all you want, but you start talking down American beer and you'll get what's comin' to ya, buddy!

    I don't drink a lot of beer anymore but when I do I prefer Sam Adams Octoberfest. Feels so good when it hits the lips...
    ___________________________________________

    "...I changed by not changing at all..."
  • satansbed
    satansbed Posts: 2,139
    Hugh Freaking Dillon wrote:
    easy solution-move to Canada. I'll buy you a decent tasting beer when you arrive.
    Canada would be nice if it wasn't for all those damn Canadians ;)

    move to europe instead :)
  • Shawshank
    Shawshank Posts: 1,018
    Update: Haven't been able to successfully sign up yet. If it's not one glitch with the site it's another. I know the problems are widespread, but I've continued trying on and off throughout the day just in case I get lucky.

    As far as Canada is concerned, I'm from Texas...lived here all my life...but my wife and I REALLY loved Vancouver when we were there last May. We arrived a day early for our cruise to Alaska, and we made the most of it. We went everywhere we could, and I loved it. I thought the people were nice, everyone was friendly and helpful getting us around town on the bus. Being that we live in smaller towns, it gave me an appreciation for being able to just hop on a bus and go where ever, as opposed to having a car and driving. We even went out to some big suspension bridge (Lynn Canyon I believe) and hiked for most of the afternoon in the forest even though it was pouring down rain. We loved that place.
  • Shawshank
    Shawshank Posts: 1,018
    Still haven't been able to create an account. The saga continues.

    I did think of one other possible scenario...what happens if this system gets eliminated after it goes into affect? At the end of 2014, they say we've made a huge mistake and we just don't have the funding to continue this. At that point, people like myself would have already lost coverage they had, and due to my wife's history from last year we'd be lucky to get insurance coverage that wasn't 2 or 3 times what we were paying before. Trying my best to stay positive but in between account creation attempts at healthcare.gov, I do tend to think about these things. :?
  • Jason P
    Jason P Posts: 19,295
    Shawshank wrote:
    Still haven't been able to create an account. The saga continues.

    I did think of one other possible scenario...what happens if this system gets eliminated after it goes into affect? At the end of 2014, they say we've made a huge mistake and we just don't have the funding to continue this. At that point, people like myself would have already lost coverage they had, and due to my wife's history from last year we'd be lucky to get insurance coverage that wasn't 2 or 3 times what we were paying before. Trying my best to stay positive but in between account creation attempts at healthcare.gov, I do tend to think about these things. :?
    It will be interesting to see what happens. The play relies on a large number of people being adding to the insurance pool, with the younger generations really being the backbone.

    I think a lot of younger people are going to pay the tax fine of a few hundred instead of paying several thousand if they feel they are healthy.
    Be Excellent To Each Other
    Party On, Dudes!
  • MotoDC
    MotoDC Posts: 947
    Jason P wrote:
    It will be interesting to see what happens. The play relies on a large number of people being adding to the insurance pool, with the younger generations really being the backbone.

    I think a lot of younger people are going to pay the tax fine of a few hundred instead of paying several thousand if they feel they are healthy.
    Hmmm...what is that plan reminiscent of...relying on the young to finance the old...ah yes, social security. How's that working out again?

    :lol:
  • know1
    know1 Posts: 6,801
    gimmesometruth27 wrote:
    your current plan, high deductible plan, is illegal under obamacare.

    obamacare is doing away with high deductible plans. especially ones that are over $5000. this what it means to be "underinsured". many people do not have 5 grand sitting around and then they can't pay their medical bill. if they pay out of pocket $4995 they would nearly have met the deductible yet the insurance company would have taken your money and paid $0 out to cover you. that is no kind of coverage if you ask me.

    so what is gonna happen is your premiums may rise a bit, but you will not be burdened with such a high deductible.

    those high deductible plans were cash grabs by the insurance companies. you are paying monthly premiums, and if you do not meet your deductible, why should you pay those premiums if you get ZERO return on that investment?

    i am extremely sorry to hear about your wife. i wish her good health and i wish you both several more decades together.

    This is a complete kick in the teeth. High deductible plans are the ONLY plans that make any kind of sense so it's only natural our government would outlaw them.

    I don't buy the "people just don't have $5000 sitting around" in case they have a medical emergency. That is THEIR problem and if I do happen to have the will power to keep $5000 in an emergency fund I shouldn't be PUNISHED because other people can't.

    This whole thing makes me sick. Insurance IS THE PROBLEM. Anyone who thinks more insurance solves the problem CAUSED BY INSURANCE is either not very bright or is somehow biased to the insurance industry.
    The only people we should try to get even with...
    ...are those who've helped us.

    Right 'round the corner could be bigger than ourselves.
  • know1
    know1 Posts: 6,801
    dignin wrote:
    Glad your Wife is alright. But if she would have gotten sick where I come from (Canada), it wouldn't have cost either of you a dime.

    So healthcare magically has ZERO cost in Canada? You're completely brainwashed if you think that's the case.
    The only people we should try to get even with...
    ...are those who've helped us.

    Right 'round the corner could be bigger than ourselves.
  • know1
    know1 Posts: 6,801
    Go Beavers wrote:
    Breathe a sigh of relief and good riddance to your crappy $7500 deductible. The premiums in Texas are coming in lower than average compared to other states. Depending on where you live, you might pay somewhere in the upper $200's for a mid level plan, which is probably better than what you had. I imagine a catastrophic plan is a little lower than that. And, if you and your wife make less than $62,000, you'll get tax credits.

    I'm not sure why people have already deemed the ACA a failure. It's not a single payer system, but it's a step in that direction.

    High deductibles are the absolute smartest way to handle your health insurance.
    The only people we should try to get even with...
    ...are those who've helped us.

    Right 'round the corner could be bigger than ourselves.
  • Go Beavers
    Go Beavers Posts: 9,546
    know1 wrote:

    This is a complete kick in the teeth. High deductible plans are the ONLY plans that make any kind of sense so it's only natural our government would outlaw them.

    I don't buy the "people just don't have $5000 sitting around" in case they have a medical emergency. That is THEIR problem and if I do happen to have the will power to keep $5000 in an emergency fund I shouldn't be PUNISHED because other people can't.

    This whole thing makes me sick. Insurance IS THE PROBLEM. Anyone who thinks more insurance solves the problem CAUSED BY INSURANCE is either not very bright or is somehow biased to the insurance industry.

    You think people not having an extra $5000 is a will power issue? You have an interesting reality.

    Do you feel the same about car insurance?
  • know1
    know1 Posts: 6,801
    Go Beavers wrote:
    know1 wrote:

    This is a complete kick in the teeth. High deductible plans are the ONLY plans that make any kind of sense so it's only natural our government would outlaw them.

    I don't buy the "people just don't have $5000 sitting around" in case they have a medical emergency. That is THEIR problem and if I do happen to have the will power to keep $5000 in an emergency fund I shouldn't be PUNISHED because other people can't.

    This whole thing makes me sick. Insurance IS THE PROBLEM. Anyone who thinks more insurance solves the problem CAUSED BY INSURANCE is either not very bright or is somehow biased to the insurance industry.

    You think people not having an extra $5000 is a will power issue? You have an interesting reality.

    Do you feel the same about car insurance?

    If they have to essentially pay more than $5K in a year for the premiums on a low deductible plan, why can't they save up the difference in premium cost as they go along to have that $5K as an emergency fund in a year's time or so? That IS a will power issue.

    Interesting you bought up the car insurance question. I think if we used health insurance like we did car insurance - i.e. ONLY FOR EMERGENCIES - then we wouldn't be in this mess.

    I've been saying it for years, but Insurance is the problem. We never see the premiums because they are deducted before we receive our pay and we never see the costs because insurance magically takes care of it for us. That is EXACTLY how you end up with medical costs that are through the roof.
    The only people we should try to get even with...
    ...are those who've helped us.

    Right 'round the corner could be bigger than ourselves.
  • Shawshank
    Shawshank Posts: 1,018
    know1 wrote:
    Go Beavers wrote:
    know1 wrote:

    This is a complete kick in the teeth. High deductible plans are the ONLY plans that make any kind of sense so it's only natural our government would outlaw them.

    I don't buy the "people just don't have $5000 sitting around" in case they have a medical emergency. That is THEIR problem and if I do happen to have the will power to keep $5000 in an emergency fund I shouldn't be PUNISHED because other people can't.

    This whole thing makes me sick. Insurance IS THE PROBLEM. Anyone who thinks more insurance solves the problem CAUSED BY INSURANCE is either not very bright or is somehow biased to the insurance industry.

    You think people not having an extra $5000 is a will power issue? You have an interesting reality.

    Do you feel the same about car insurance?

    If they have to essentially pay more than $5K in a year for the premiums on a low deductible plan, why can't they save up the difference in premium cost as they go along to have that $5K as an emergency fund in a year's time or so? That IS a will power issue.

    Interesting you bought up the car insurance question. I think if we used health insurance like we did car insurance - i.e. ONLY FOR EMERGENCIES - then we wouldn't be in this mess.

    I've been saying it for years, but Insurance is the problem. We never see the premiums because they are deducted before we receive our pay and we never see the costs because insurance magically takes care of it for us. That is EXACTLY how you end up with medical costs that are through the roof.

    I have to agree with you. It's not a good move financially to have a low deductible policy. Chances are you will be paying out the equivalent of a high deductible amount every year, whether you use it or not which is just a dumb thing to do. As I mentioned in my example earlier, I could have received a much lower deductible than my current $7,500 one, but would have been paying $6,000 more per year in premiums. Um yeah...let me think on that for half a second...no thanks.

    Now if the new system can keep my premiums down, and I'm not losing any of the coverage I had, AND my deductible is less, then ya I'll be happy with that.
  • aerial
    aerial Posts: 2,319
    Go Beavers wrote:
    know1 wrote:

    This is a complete kick in the teeth. High deductible plans are the ONLY plans that make any kind of sense so it's only natural our government would outlaw them.

    I don't buy the "people just don't have $5000 sitting around" in case they have a medical emergency. That is THEIR problem and if I do happen to have the will power to keep $5000 in an emergency fund I shouldn't be PUNISHED because other people can't.

    This whole thing makes me sick. Insurance IS THE PROBLEM. Anyone who thinks more insurance solves the problem CAUSED BY INSURANCE is either not very bright or is somehow biased to the insurance industry.

    You think people not having an extra $5000 is a will power issue? You have an interesting reality.

    Do you feel the same about car insurance?

    Yeas car insurance is a scam also....people get punished with higher payments because of age or so called statistics. When I got divorced at 32 my car insurance went up. When I asked why I was told 32 yr old single women are more a risk that married woman. I have had one accident and two tickets (not speeding tickets or due to anything dangerous) in over thirty years of driving. Never should someone be punished or penalized until they do the crime....in the USA......if we could just get back to the Constitution we could all REALLY live Free.
    “We the people are the rightful masters of both Congress and the courts, not to overthrow the Constitution but to overthrow the men who pervert the Constitution.” Abraham Lincoln
  • Prince Of Dorkness
    Prince Of Dorkness Posts: 3,763
    aerial wrote:
    if we could just get back to the Constitution we could all REALLY live Free.


    Yeah... we should take the Affordable Care Act all the way to the SUPREME COURT to have it overturned.


    Oh wait...


    (nobody cares about your car insurance. it's your problem to deal with. If you don't like it, take the bus. Smells like Freedom.)
    I can't drive without Pearl Jam
  • grooveme
    grooveme Posts: 353
    MotoDC wrote:
    Go Beavers wrote:
    Breathe a sigh of relief and good riddance to your crappy $7500 deductible. The premiums in Texas are coming in lower than average compared to other states. Depending on where you live, you might pay somewhere in the upper $200's for a mid level plan, which is probably better than what you had. I imagine a catastrophic plan is a little lower than that. And, if you and your wife make less than $62,000, you'll get tax credits.

    I'm not sure why people have already deemed the ACA a failure. It's not a single payer system, but it's a step in that direction.
    Why is a $7500 deductible necessarily crappy? It kept his premium low and allowed his healthcare plan to function precisely as he and his wife desired and designed -- an emergency backstop for major, unpredictable medical expenses.

    Yes, we have a high deductible plan and HSA. What I save on premiums I put in a HSA, tax deductible and with tax free earnings. We pay our routine medical expenses, and that's appropriate, in my opinion. Insurance should be for major events, not routine medical expenses. It is too expensive because people think that all health care is free, since they don't see the cost, so they overutilize services that they don't need, and they don't look around for better prices. Think how expensive auto insurance would be if it paid for oil changes, blown tires, tune-ups, etc.
  • grooveme
    grooveme Posts: 353
    know1 wrote:
    Go Beavers wrote:
    know1 wrote:

    This is a complete kick in the teeth. High deductible plans are the ONLY plans that make any kind of sense so it's only natural our government would outlaw them.

    I don't buy the "people just don't have $5000 sitting around" in case they have a medical emergency. That is THEIR problem and if I do happen to have the will power to keep $5000 in an emergency fund I shouldn't be PUNISHED because other people can't.

    This whole thing makes me sick. Insurance IS THE PROBLEM. Anyone who thinks more insurance solves the problem CAUSED BY INSURANCE is either not very bright or is somehow biased to the insurance industry.

    You think people not having an extra $5000 is a will power issue? You have an interesting reality.

    Do you feel the same about car insurance?

    If they have to essentially pay more than $5K in a year for the premiums on a low deductible plan, why can't they save up the difference in premium cost as they go along to have that $5K as an emergency fund in a year's time or so? That IS a will power issue.

    Interesting you bought up the car insurance question. I think if we used health insurance like we did car insurance - i.e. ONLY FOR EMERGENCIES - then we wouldn't be in this mess.

    I've been saying it for years, but Insurance is the problem. We never see the premiums because they are deducted before we receive our pay and we never see the costs because insurance magically takes care of it for us. That is EXACTLY how you end up with medical costs that are through the roof.

    I agree 100%

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