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

Go look it up yourself. The office visit of the Chicago plan was 100% coverage after deductible, for example. It was certainly no worse that the plan posted in the OP.

I did look up a plan simply out of curiosity and the plan details for coverage for me and my spouse was pretty bad at a wonderful cheap price of 372.00 per month...bottom line is you get what you pay for!
 
Lets take a step back, the whole purpose of the ACA is to create a program for those who want to purchase but cannot. People who are determined not to purchase still can do this, but with a cost. Well now you are just arguing really irrational points.....which is kind of where I thought this would go.

Coverage may be unaffordable for low-wage workers

WASHINGTON (AP) — It's called the Affordable Care Act, but President Barack Obama's health care law may turn out to be unaffordable for many low-wage workers, including employees at big chain restaurants, retail stores and hotels.

Many are expected to remain uninsured, possibly risking fines. That's due to another provision: the law says workers with an offer of "affordable" workplace coverage aren't entitled to new tax credits for private insurance, which could be a better deal for those on the lower rungs of the middle class.

Low wage workers are going to have to pay a fine and still not be covered
 
I did look up a plan simply out of curiosity and the plan details for coverage for me and my spouse was pretty bad at a wonderful cheap price of 372.00 per month...bottom line is you get what you pay for!

Any specific data? How does it compare to the plan in the OP?
 
What does that mean exactly?
Istm, that ~$40/mo * 12mo => ~$500/yr, and that $500/yr < $3852


So, it seems that paying ~$500 / yr and getting insurance is a better deal than paying ~$3000 / yr and not getting insurance.

What am I missing?


You are missing that the penalty for not participating is lower than the cost of participating even with the subsidies included.
 
I did look up a plan simply out of curiosity and the plan details for coverage for me and my spouse was pretty bad at a wonderful cheap price of 372.00 per month...bottom line is you get what you pay for!

That is my concern. My cost will be extremely low and in all likelihood the care I get and the doctors I get will be the low quality ones. The good docs will move to plans only the rich can afford and the rest of us will be left with the culls.
 
You can't be denied for a pre-existing condition, so why on earth would you pay for insurance when it's cheaper to pay the penalty?

Go ahead and do that. Why on earth would you not? Unless something crazy were to happen, like you have to go to the hospital for appendicitis and have your appendix taken out and your stuck with a 30,000 hospital bill. But I'm sure you'd still be laughing all the way to the bank. Haven't you ever actually sat down and thought about the consequences of your actions at all? I understand you think it would be easy to just go and sign up for insurance, but it would be really hard to sign up while strapped down in an ambulance on the way to the hospital in the event of an emergency. And even if you pulled out your smart phone, I'm pretty sure you couldn't fill out the paperwork while under anesthesia. Other than that though, brilliant plan.
 
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

And if you ever are in an accident and rushed to the hospital are you going to try to fill out the forms during the ambulance ride or maybe while under anesthesia? You're plans are thoughtless and stupid, and pretty much they are the reason why we needed ObamaCare in the first place. Some people are to naive to be trusted to take care of themselves in the first place. Apparently some people are too thick headed to understand the real world and that you can't plan for something like a heart attack. So you go ahead with your brilliant plan :roll:
 
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?

Wow, has the story changed on this, or what?

I thought this was a GREAT idea. So in other words, 98 percent of us are going to see our annual costs SKYROCKET, while a few seriously ill people will benefit no better than they did before with their employee health coverage.

What a great deal this is for......nobody with a full-time job.
 
Bottom line: Obamacare is just a another bigass tax on the middle and upper classes.

Smart folks already knew this.
 
And if you ever are in an accident and rushed to the hospital are you going to try to fill out the forms during the ambulance ride or maybe while under anesthesia? You're plans are thoughtless and stupid, and pretty much they are the reason why we needed ObamaCare in the first place. Some people are to naive to be trusted to take care of themselves in the first place. Apparently some people are too thick headed to understand the real world and that you can't plan for something like a heart attack. So you go ahead with your brilliant plan :roll:
i will pay the hospital bill afterwards. hospitals are not allowed to deny life saving emergency treatment. it is the law. I'm not the only one who will be doing this over 2/3 polled are not sure if they will be getting insurance or will just pay the fine
 
Bottom line: Obamacare is just a another bigass tax on the middle and upper classes.

Smart folks already knew this.

its not a tax on the upper class they can afford insurance
 
i will pay the hospital bill afterwards. hospitals are not allowed to deny life saving emergency treatment. it is the law. I'm not the only one who will be doing this over 2/3 polled are not sure if they will be getting insurance or will just pay the fine

For example. My friend just had an aneurism. He had the surgery and had to spend 12 days in the ICU, then 2 days in a private room at the hospital. Apparently this is standard procedure. And the final bill is over 275,000 dollars that he knows of right now, and he still hasn't received every single final bill. So you really want to tell me that you're going to cut the check out to the hospital for that in the event of an emergency? Do you think that most people would?

Your views are short sighted and naive at best.
 
It expands choice. Do you even get how the exchanges work? It's basically an online site that you can go to, fill out your info, and all the insurance companies in your state will show you comparable plans that have the same coverage levels, along with a clear price. What that does is allow clear price comparisons and clear coverage options. You don't have that now. You have to contact every company individually, compare the coverage of random plans, and with how they word stuff you'd practically have to hire a lawyer to know what's really covered. And that's what your side doesn't get.

The horror! Thank god the gov came to save the day on that one. :roll: Thanks, now instead of having to do my own homework the government does it for me.
 
Lets take a step back, the whole purpose of the ACA is to create a program for those who want to purchase but cannot. People who are determined not to purchase still can do this, but with a cost.

You mean a fine for not doing what the government desires. It's funny how everyone thinks getting fined for not doing what someone else wants you to do somehow means it's a choice. :lamo When you were grounded as a kid for not following the rules did your parents think it was a choice to not follow the rules? No. Did you think it was a choice? No. Was it a choice? NO! There is a reason there is a punishment.
 
For example. My friend just had an aneurism. He had the surgery and had to spend 12 days in the ICU, then 2 days in a private room at the hospital. Apparently this is standard procedure. And the final bill is over 275,000 dollars that he knows of right now, and he still hasn't received every single final bill. So you really want to tell me that you're going to cut the check out to the hospital for that in the event of an emergency? Do you think that most people would?

Your views are short sighted and naive at best.

Well, in theory he could apply for coverage in the hospital, or his spouse. I'm sure the Hospitals would be MORE than happy to send a social worker around to your room to help you with the paper work.
 
You are missing that the penalty for not participating is lower than the cost of participating even with the subsidies included.

I double checked that on my computer to make sure-- 500 < 3500 evaluated as TRUE.

Since 500 IS less than 3500, it seems that participation is cheaper than the penalty.

Can you explain how 500 > 3500?
 
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

What do you do when you're in that car accident and are in a coma for 3 weeks and were unable to get insurance from the ambulance driver?
 
Go ahead and do that. Why on earth would you not? Unless something crazy were to happen, like you have to go to the hospital for appendicitis and have your appendix taken out and your stuck with a 30,000 hospital bill. But I'm sure you'd still be laughing all the way to the bank. Haven't you ever actually sat down and thought about the consequences of your actions at all? I understand you think it would be easy to just go and sign up for insurance, but it would be really hard to sign up while strapped down in an ambulance on the way to the hospital in the event of an emergency. And even if you pulled out your smart phone, I'm pretty sure you couldn't fill out the paperwork while under anesthesia. Other than that though, brilliant plan.

Do you know for sure coverage isn't retroactive to the time of the accident or illness? In 3000 pages it may or may not be, nobody knows.
 
I double checked that on my computer to make sure-- 500 < 3500 evaluated as TRUE.

Since 500 IS less than 3500, it seems that participation is cheaper than the penalty.

Can you explain how 500 > 3500?


... are you being dense on purpose? The PENALTY for not having insurance will be $280 which is less than $500.
 
For example. My friend just had an aneurism. He had the surgery and had to spend 12 days in the ICU, then 2 days in a private room at the hospital. Apparently this is standard procedure. And the final bill is over 275,000 dollars that he knows of right now, and he still hasn't received every single final bill. So you really want to tell me that you're going to cut the check out to the hospital for that in the event of an emergency? Do you think that most people would?

Your views are short sighted and naive at best.

ok so what if that happens let government and hospital eat the cost.
All my life i worked and my money went to someone else who made poor decisions.
i paid for that welfare mom who spits out kids every year because she made the decision to have unprotected sex. my money goes towards the idiot who dropped out of high school and now can only get a part time minimum wage job and i have to feed his kids
so what if i take a chance that might force someone else to pay my hospital bill, why are you concerned about me not getting insurance you are not concerned about that welfare mom or that high school drop out. why are you not giving them a hard time
 
I don't know about you guys, but I'm learnin' SPANISH.

That way, if I ever really have to go to a hospital, I'll just pretend I'm an illegal alien. They'll waive my deductible then.
 
So you are admitting that this obamasurance is worthless unless you have a major illness.

Pretty much the case, however, can't be too major an illness or you get death panelled. :mrgreen:
 
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