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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 MaggieD View Post
    Do you know what that policy would cost today?? (This "average" means absolutely nothing. Healthcare insurance premiums are based on age.) Before signing up for Illinois' subsidized ICHIP program, I paid $850 a month for a $5,200 deductible policy. The rate you've listed here looks cheap. (Illinois' subsidized ICHIP program premium is $670 a month for the same deductible.)

    Combine what I consider to be reasonable rates with the fact that people who've heretofore been unable tobuy health insurance because of pre-existing conditions, and I don't think these rates are bad at all.

    Without a comparison to "before," your "after" is meaningless.

    The internet is your friend.

    $2000 deductible, 0% Coinsurance, in Los Angeles for a single female... $174.00/month

    $1750 deductible, 0% Coinsurance, in Chicago for a single female... $216.00/month


    There is your "before". We now see the "after" will cost more.

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

    Quote Originally Posted by roughdraft274 View Post
    It's insurance. You can't just look at a single year and say "see you're over paying!" Because then you overlook that one year where you needed emergency surgery with a short stay in the ICU, where you shelled out a few thousand but didn't have to pay the other hundred thousand dollars of your bill. Do you really not understand that or are you being intentionally thick headed?
    this is what you do. you pay the fine/tax for not having insurance and if you go to the doctor for a cold you pay out of pocket and when you do get an illness that requires expensive treatment then you buy insurance because it will be a preexisting condition so your covered they cant deny you . it is what i will be doing. My doctor already told me he will give me a discount if i pay up front cash for a visit. a lot of doctors will be doing the same. as a matter of fact many doctors are going to not except any insurance at all
    Obama care will bankrupt insurance companies
    Last edited by trfjr; 06-13-13 at 02:59 PM.

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

    Quote Originally Posted by jmotivator View Post
    No, I'm not. Democrats forgot the purpose of health insurance when they designed a system that is more expensive to participate in than it is to not participate. The penalties for not participating in the exchanges is less than the premiums+copay. If someone get's catastrophically ill and was not on insurance when they got sick then they can simply apply for insurance at the exchange and they have to be accepted.

    So why participate?
    That depends, since there will be a flat fee + 1% (increasing annually) of income surcharge......plus whatever medical costs you do have.

    I think the costs for waiting, not enrolling during the open enrollment, will be greater too.
    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 jmotivator View Post
    The internet is your friend.

    $2000 deductible, 0% Coinsurance, in Los Angeles for a single female... $174.00/month

    $1750 deductible, 0% Coinsurance, in Chicago for a single female... $216.00/month


    There is your "before". We now see the "after" will cost more.
    That link doesn't show me what you posted. But I take your word for it. What age did you use? And, yes, we should look at it after. The OP is useless as a comparison tool.
    The devil whispered in my ear, "You cannot withstand the storm." I whispered back, "I am ​the storm."

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

    Quote Originally Posted by sawyerloggingon View Post
    The world does not revolve around me, I consider how Obama care will effect other people and the country in general. As I said I am going to make out like a bandit.
    Huh...it is going to lower your costs.......and will expand enrollment....it is already starting to effect cost curves......it has "caddy" plans....!?!
    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 Deuce View Post
    Just what in the **** do you think your insurance does now?
    Not necessarily agreeing with sawyer, but I interpreted that to mean Obamacare increases costs without major illness, and is only effective when there is major illness. In other words, it's worse in most cases, and in rare cases it's break-even...which would be net-bad if the numbers were really categorized that way. I see your interpretation too, I hope he didn't mean that!...

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

    Quote Originally Posted by Mach View Post
    Not necessarily agreeing with sawyer, but I interpreted that to mean Obamacare increases costs without major illness
    You mean...insurance has a cost as opposed....to not purchasing insurance.

    This is the same error, you are completely ignoring WHAT INSURANCE IS FOR.
    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?'

    Obama worshipers desperately trying to spin and propagandize this turd of a bill that was rammed down our throats

    Par for the course

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

    Quote Originally Posted by Gimmesometruth View Post
    That depends, since there will be a flat fee + 1% (increasing annually) of income surcharge......plus whatever medical costs you do have.

    I think the costs for waiting, not enrolling during the open enrollment, will be greater too.

    At full implementation it will be $695 annually +2.5% of income.

    So insurance cost is $3,852 out of pocket for a bronze plan in California.

    So, what income to do have to make for the penalty to break even in a given year?

    ($3852 - $695) * 40 = $126,280.00

    So it is cheaper for 85% of all earners in the country to not get insurance and just apply for it if they do get sick.

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

    Quote Originally Posted by jmotivator View Post
    At full implementation it will be $695 annually +2.5% of income.

    So insurance cost is $3,852 out of pocket for a bronze plan in California.

    So, what income to do have to make for the penalty to break even in a given year?

    ($3852 - $695) * 40 = $126,280.00

    So it is cheaper for 85% of all earners in the country to not get insurance and just apply for it if they do get sick.
    Have you included the subsidy for families making less that ~$90k?

    http://money.cnn.com/2013/05/14/news...ex.html?iid=EL

    Here's what could affect your coverage cost. This breakdown is only for those who buy plans on the individual market through the exchanges, and doesn't apply to those with employer-sponsored plans.
    Income: One of the top factors determining how much you'll pay next year is your income. That's because subsidies are available to those with incomes of up to 400% of the poverty line -- roughly $45,000 for an individual or $92,000 for a family of four. Some 57% of enrollees will receive subsidies, and those subsidies will cover nearly two-thirds of the premium, on average, according to the Congressional Budget Office's estimates.


    http://money.cnn.com/2013/05/23/news...ex.html?iid=EL
    The least expensive silver plan for a 21-year-old could cost $216 a month, but those earning only 150% of the poverty line (or $17,235 annually) may pay only $44 after receiving federal subsidies. A 40-year-old may pay $276 a month, or $40 after the subsidies.
    I may be wrong.

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