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Thread: Insurance for the young could be less than $50 a month

  1. #151
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    Re: Insurance for the young could be less than $50 a month

    Quote Originally Posted by sangha View Post
    Which is why the question "Why do I have to pay to cover conditions I will never have?" is an ignorant question
    And so now the circle is complete...prior to ACA these 'designed' pools were based on groups of individuals with similar risks. This is now illegal per ACA as we have a 'one size fits all' mandate. While my argument is that this arrangement is neither practical or economical/efficient and yours being such will evenly spread ALL risk to ALL involved the outcome, success or failure, will not be seen for some time...
    "The fact that we are here today to debate raising America's debt limit is a sign of leadership failure" - 2006 Senator Obama...leadership failure indeed!

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    Re: Insurance for the young could be less than $50 a month

    Quote Originally Posted by Dickieboy View Post
    And so now the circle is complete...prior to ACA these 'designed' pools were based on groups of individuals with similar risks.
    Wrong. Pools have always contained people with varying risk.

    This is now illegal per ACA as we have a 'one size fits all' mandate. While my argument is that this arrangement is neither practical or economical/efficient and yours being such will evenly spread ALL risk to ALL involved the outcome, success or failure, will not be seen for some time...
    No, it's not a one size fits all mandate. It's just that some types of coverage are required. There are many things which are not required.

    And the math of insurance (ie actuarial science) shows that insurance works better, and is more practical, when the pools are larger and cover a greater range of risks (in this case, medical conditions)

    As far as success or failure, time will tell. Anyone who says they are certain about the results is either lying to you, or lying to themselves
    Quote Originally Posted by matchlight View Post
    Justice Thomas' opinions consistently contain precise, detailed constitutional analyses.
    Quote Originally Posted by jaeger19 View Post
    the vast majority of folks that need healthcare are on Medicare.. both rich and poor..

  3. #153
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    Re: Insurance for the young could be less than $50 a month

    Quote Originally Posted by Dickieboy View Post
    just as sequitur as your previous Sean Hannity comment...



    If I understood your point, men can't get ovarian CANCER...? Ok, women cannot get testicular CANCER. Both can get lung CANCER...continuing, CANCER is a non-gender specific condition is it not? However pregnancy IS...
    I can't tell if your joking, or are really this obtuse.

    Change the example to PCOS. Or uterine fibroids. Or benign Prostatic Hypertrophy.
    Many Trump supporters have lots of problems, and those deplorables are bringing those problems to us. They’re racists. They’re misogynists. They’re islamophobic. They're xenophobes and homophobes. And some, I assume, are good people.

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    Re: Insurance for the young could be less than $50 a month

    Quote Originally Posted by TheDemSocialist View Post
    Read more @: Insurance for the young could be less than $50 a month

    Lets get this website up and running to make it a lot easier to apply for these plans. [/FONT][/COLOR]
    do you even know how these subsidies work? they are not getting the subsides subtracted off the cost of the plan they are required to pay the full price for that plan they get a tax rebate at the end of the year. so if you require a subside to afford the plan how are you going to pay full price for said plan for a full year

    so it is very misleading and disingenuous to say they are getting a plan for 50 dollars they are not they are getting a tax rebate at the end of the year equal to it being a 50 dollar a month plan but still required to pay the full price till then

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    Re: Insurance for the young could be less than $50 a month

    Quote Originally Posted by Fisher View Post
    How many of these folks can afford the $5K deductible and $60 co pays for the "free" annual services?
    They never, ever answer that one. I have posted about the $5K deductable PLUS MINIMAL 20% copay many times. Total silence, while they continue to argue the total lie that the ACA provides low cost or free medical care to the poor. The ACA is designed to give an excuse to deny any major medical care to the truly poor.

    The ACA is all about letting major corporations and large property owners off-the-hook for healthcare for their employees and for the indigent. The entire debate is a massive off-point lie.

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    Re: Insurance for the young could be less than $50 a month

    Quote Originally Posted by trfjr View Post
    do you even know how these subsidies work? they are not getting the subsides subtracted off the cost of the plan they are required to pay the full price for that plan they get a tax rebate at the end of the year. so if you require a subside to afford the plan how are you going to pay full price for said plan for a full year

    so it is very misleading and disingenuous to say they are getting a plan for 50 dollars they are not they are getting a tax rebate at the end of the year equal to it being a 50 dollar a month plan but still required to pay the full price till then
    Your post is a lie. The subsidies are calculated at the time of purchase (based on your income) and subtracted from the monthly premium you pay. There is no tax rebate

    Understanding the ACA Subsidies

    Most consumers receiving premium subsidies will receive it in the form of an advanced tax credit, with the subsidy applied directly to the cost of their insurance. - See more at: Understanding the ACA Subsidies
    Quote Originally Posted by matchlight View Post
    Justice Thomas' opinions consistently contain precise, detailed constitutional analyses.
    Quote Originally Posted by jaeger19 View Post
    the vast majority of folks that need healthcare are on Medicare.. both rich and poor..

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    Re: Insurance for the young could be less than $50 a month

    I am self employed, have a catastropic plan -it's AARP "supplemental insurance" . High co-pay, and a hospitalization dedutable of about $8k.

    I'm heathy for my age *knock on wood*, in that i work out virtually every day, and don't use any drugs, not even alcohol. or cigs.

    I am a bit overweight -always have been, but have never been hospitalized. In short the plan allows me ACCESS to hospitalization if I need it without being bankrupted.

    I do get a blood test every 6 months to a year, and refills on my thyroid med.

    I pay very little each month -remeber I am self employed (sales independent contractor), so I also have to pay ALL of my FICA witholdings.

    I'm fine with what I have. I do not need maternity, nor mental health -yet I am pretty sure this is not going to be 'acceptable' under Obamacare.

    Why so?? The benefits of the policy match my needs, and I am not going to run up huge bills i cannot pay off.
    Leave me alone Mr. Obama.
    Oṃ maṇi padme hūṃ

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    Re: Insurance for the young could be less than $50 a month

    Quote Originally Posted by annata View Post
    I am self employed, have a catastropic plan -it's AARP "supplemental insurance" . High co-pay, and a hospitalization dedutable of about $8k.

    I'm heathy for my age *knock on wood*, in that i work out virtually every day, and don't use any drugs, not even alcohol. or cigs.

    I am a bit overweight -always have been, but have never been hospitalized. In short the plan allows me ACCESS to hospitalization if I need it without being bankrupted.

    I do get a blood test every 6 months to a year, and refills on my thyroid med.

    I pay very little each month -remeber I am self employed (sales independent contractor), so I also have to pay ALL of my FICA witholdings.

    I'm fine with what I have. I do not need maternity, nor mental health -yet I am pretty sure this is not going to be 'acceptable' under Obamacare.

    Why so?? The benefits of the policy match my needs, and I am not going to run up huge bills i cannot pay off.
    Leave me alone Mr. Obama.
    Your plan is a Medicare Advantage plan and receives huge subsidies from the govt that are not means-tested. It is contributing to the rising cost of health care
    Quote Originally Posted by matchlight View Post
    Justice Thomas' opinions consistently contain precise, detailed constitutional analyses.
    Quote Originally Posted by jaeger19 View Post
    the vast majority of folks that need healthcare are on Medicare.. both rich and poor..

  9. #159
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    Re: Insurance for the young could be less than $50 a month

    Quote Originally Posted by sangha View Post
    Your plan is a Medicare Advantage plan and receives huge subsidies from the govt that are not means-tested. It is contributing to the rising cost of health care
    It's not Medicare Advantage, I'm not old enough for Medicare - it's called "supplemental insurance" through AARP, it is not subsidized.
    I do take the idea though that Medicare is through the Feds -i'd be more then happy to go with Single Payer, as it streamlines administrative costs/profits.

    I'm good with means testing too
    Oṃ maṇi padme hūṃ

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    Re: Insurance for the young could be less than $50 a month

    Quote Originally Posted by annata View Post
    It's not Medicare Advantage, I'm not old enough for Medicare - it's called "supplemental insurance" through AARP, it is not subsidized.
    I do take the idea though that Medicare is through the Feds -i'd be more then happy to go with Single Payer, as it streamlines administrative costs/profits.

    I'm good with means testing too
    From the AARP supplemental insurance website:

    Supplemental Insurance


    As the name suggests, supplemental insurance works in combination with other insurance. It's not designed to stand on its own or provide basic, primary health coverage - and it's not for everyone. Supplemental health insurance is often a good option for the self-employed, families with children, those financially unprepared to handle large medical bills or time off from work due to illness or injury, and those on Medicare.

    My emphasis.

    You're doing insurance wrong, and the ACA wants to help that.

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