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Thread: Obamacare: Is a $2,000 deductible 'affordable?'

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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by Gimmesometruth View Post
    Huh? If the insurance companies still offer those plans, how are people being "forced" out of them?
    Because companies will drop private insurance and workers will be forced into Obama care.

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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by Gimmesometruth View Post
    Huh? If the insurance companies still offer those plans, how are people being "forced" out of them?
    He said *will* be forced out, which I would think would be ~2017-8 when the excise tax kicks in. Or if employers determine that offering those plans isn't cost effective(i.e. pay the penalty)

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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by sawyerloggingon View Post
    You are limited to a couple of plans your state offers with Obama care.
    Only if your on the exchanges. And even then, that's better than it is before, where you have plenty of plans but you have very little knowledge of what's covered and you can't compare and contrast plans very easily.
    Quote Originally Posted by TurtleDude View Post
    uh that is so small as to be stupid. Do you want registration? given less than 3% of criminals get their guns from private sales, its pretty much a waste of resources
    **Thirty Minutes Later**
    Quote Originally Posted by TurtleDude View Post
    you are confused. I never denied that many criminals get guns in private sales.

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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by roughdraft274 View Post
    Only if your on the exchanges. And even then, that's better than it is before, where you have plenty of plans but you have very little knowledge of what's covered and you can't compare and contrast plans very easily.
    I have looked into what Washington state is offering since I am retiring there and the choices are very limited. Having said that I am going to make out like a bandit on this new insurance. My semi retirement income is very low so my annual insurance cost that I had 12 k budgeted for will drop to around $2,400.00. Great for me but young people in their earning years will pay more for their insurance to pay for mine.

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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    This is a great example of how most people like what is actually in Obamacare, Conservatives included. But hate Obamacare because of the fear mongering lies that have been volleyed at them non stop for the past few years.

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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by sawyerloggingon View Post
    Because companies will drop private insurance and workers will be forced into Obama care.
    I wasn't aware that "company provided insurance" was generally equated with "Cadillac" plans, nor was I aware that those that might offer such an extravagant insurance plan would be the ones most likely to stop providing those plans. You are arguing that Obamacare is bad because Goldman Sachs is going to drop insurance coverage for their top contract employees.

    This is a fantasy.
    Quote Originally Posted by trouble13 View Post
    If you wanna know why Trumpsters are ignoring you its for the same reason you ignored the KKKs complaints about Obama.
    Quote Originally Posted by Moderate Right View Post
    When it comes down to it, all facts are cherry picked.
    Quote Originally Posted by Bodhisattva View Post
    He didn't say it didn't make sense. He said it is complete nonsense.

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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by Samhain View Post
    This is what the self employed do today. My storyboard artist friend found that after all of the digging, the highest deductable plan made the best economic sense since it covered the catastrophic things he couldn't pay for while requiring him to pay the least on premiums and office visits.

    My wife's employer, whom the insurance is through, offers a plan comparison that allows you to enter hypothetical situations or needs( office visits, preventative care, hospital stays, cancer treatments, etc ), and no matter how we sliced it, the high deductible plan equated to the cheapest.
    Yes, the highest deductible plans seem cheaper when you only account for what you want to account for. Did you account for scenarios where you get a long term illness that require constant tests, appointments, treatments and medicines. My mother in law has Lupus and two or three other auto immune diseases. She has to go in for IV fluids and medicines every month, she's on constant medicine, has to see multiple specialists every month or two. With everything the way it is she pays her deductible off every year within the first month or two. If she had a high deductible plan, say 10000, she'd have to pay that 10000 every single year, on top of premiums. That could easily get to be overly burdensome on people. So you can't honestly say that "no matter how we sliced it" that the high deductible plan came out the cheapest. It's only the way you sliced it.
    Quote Originally Posted by TurtleDude View Post
    uh that is so small as to be stupid. Do you want registration? given less than 3% of criminals get their guns from private sales, its pretty much a waste of resources
    **Thirty Minutes Later**
    Quote Originally Posted by TurtleDude View Post
    you are confused. I never denied that many criminals get guns in private sales.

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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by Samhain View Post
    He said *will* be forced out, which I would think would be ~2017-8 when the excise tax kicks in. Or if employers determine that offering those plans isn't cost effective(i.e. pay the penalty)
    Those that are currently buying "Cadillac" plans don't seem to be concerned about ins. costs....so how much of an impact will a marginal increase mean to them? Very little I suspect.
    Quote Originally Posted by trouble13 View Post
    If you wanna know why Trumpsters are ignoring you its for the same reason you ignored the KKKs complaints about Obama.
    Quote Originally Posted by Moderate Right View Post
    When it comes down to it, all facts are cherry picked.
    Quote Originally Posted by Bodhisattva View Post
    He didn't say it didn't make sense. He said it is complete nonsense.

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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by sawyerloggingon View Post
    I have looked into what Washington state is offering since I am retiring there and the choices are very limited. Having said that I am going to make out like a bandit on this new insurance. My semi retirement income is very low so my annual insurance cost that I had 12 k budgeted for will drop to around $2,400.00. Great for me but young people in their earning years will pay more for their insurance to pay for mine.
    So you ARE going to go with a minimal level of insurance, an Obamacare plan, basically a high deduc/catastrophic plan?
    Quote Originally Posted by trouble13 View Post
    If you wanna know why Trumpsters are ignoring you its for the same reason you ignored the KKKs complaints about Obama.
    Quote Originally Posted by Moderate Right View Post
    When it comes down to it, all facts are cherry picked.
    Quote Originally Posted by Bodhisattva View Post
    He didn't say it didn't make sense. He said it is complete nonsense.

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    Re: Obamacare: Is a $2,000 deductible 'affordable?'

    Quote Originally Posted by Samhain View Post
    I like my 3k/year deductable + HSA plan. my Premium is about 110 a month for family coverage. I also get quarterly rebates of 150/person
    How much of that premium is your employer paying? 'Cause that's not all it costs.
    The devil whispered in my ear, "You cannot withstand the storm." I whispered back, "I am ​the storm."

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