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

  1. #161
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    Re: Insurance for the young could be less than $50 a month

    Quote Originally Posted by Threegoofs View Post
    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.
    read it again.
    Supplemental health insurance is often a good option for the self-employed
    Now please read my post about my being self employed, and in good health.

    I don't mind paying a high co-pay, or a high deductible if needed. I go to the Dr. maybe 2x a year, and if hospitalized can pay off my deductible.

    It works for me - and I don't need anything else like mental health, and maternity. I would like better insurance, but i doubt I qualify for subsidys.

    So it's a good, if not perfect fit.
    Oṃ maṇi padme hūṃ

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

    Quote Originally Posted by apdst View Post
    HHS said it? They certainly haven't lost any credibility over past few weeks.

    This article is a classic example of propaganda.

    Obamacare is literally melting down before our eyes. There's no way non-subsidized policies will EVER cost 50 bucks.
    No matter what anyone shows them, they still love losing their rights.
    We went from sticks and stones may break my bones but words will never hurt me to safe spaces.

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

    Quote Originally Posted by Blue_State View Post
    No matter what anyone shows them, they still love losing their rights.
    Yes. I want the right to go bankrupt and die in the street, just like God intended.

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

    Quote Originally Posted by annata View Post
    read it again.
    Now please read my post about my being self employed, and in good health.

    I don't mind paying a high co-pay, or a high deductible if needed. I go to the Dr. maybe 2x a year, and if hospitalized can pay off my deductible.

    It works for me - and I don't need anything else like mental health, and maternity. I would like better insurance, but i doubt I qualify for subsidys.

    So it's a good, if not perfect fit.
    The caveat that "these plans are not meant for primary insurance" does not exclude self employed people. It includes them.


    Yep. Works for you. But it doesnt work out for the rest of us. Supplemental policies without the underpinning of actual insurance is exactly what the ACA wants to eliminate. The reason is that a few years ago, if you developed a preexisting condition that was a chronic one, you'd be screwed. You'd have extensive non-covered office visits/prodecures and drugs if you, say, developed a treatable cancer, and you would have gone bankrupt. That assumes you didnt buy those types of supplemental plans.. from what you say, it sounds like its a hospitalization plan primarily - which is nice, but hospitalization isnt always that big of a deal depending upon the condition.

    Now, with the ACA, you will develop an uncovered condition and want to change plans to one who does. In other words, with JUST a supplemental plan, you would be a free rider until you get sick. Thats great for you, crappy for everyone else who is paying. So a simple supplemental plan is a bad thing for the system.

    The other issue is that you SAY you are healthy, but you never know. There is a 100% chance you will get something fatal in your lifetime. It may be a cluster of neoplastic cells in your pancreas right now, or that slowly dissecting aneurysm in your cerebral arteries, or the friable plaque in your left main coronary artery. Making sure you have preventive coverage is how we as a society save money on health care. Its a hell of a lot cheaper to treat your LDL cholesterol for a decade than treat the heart attack you had from an unstable plaque. Its a lot more cost effective to give you the anticoagulant for your asymptomatic atrial fibrillation and avoid a stroke which will send you to a nursing home for decades.

    Sorry you have to pay more money to get decent insurance, but the ACA will help to ensure a guy like you has minimally standard insurance at competiive market prices. Thats good.

  5. #165
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    Re: Insurance for the young could be less than $50 a month

    Quote Originally Posted by Threegoofs View Post
    The caveat that "these plans are not meant for primary insurance" does not exclude self employed people. It includes them.


    Yep. Works for you. But it doesnt work out for the rest of us. Supplemental policies without the underpinning of actual insurance is exactly what the ACA wants to eliminate. The reason is that a few years ago, if you developed a preexisting condition that was a chronic one, you'd be screwed. You'd have extensive non-covered office visits/prodecures and drugs if you, say, developed a treatable cancer, and you would have gone bankrupt. That assumes you didnt buy those types of supplemental plans.. from what you say, it sounds like its a hospitalization plan primarily - which is nice, but hospitalization isnt always that big of a deal depending upon the condition.

    Now, with the ACA, you will develop an uncovered condition and want to change plans to one who does. In other words, with JUST a supplemental plan, you would be a free rider until you get sick. Thats great for you, crappy for everyone else who is paying. So a simple supplemental plan is a bad thing for the system.

    The other issue is that you SAY you are healthy, but you never know. There is a 100% chance you will get something fatal in your lifetime. It may be a cluster of neoplastic cells in your pancreas right now, or that slowly dissecting aneurysm in your cerebral arteries, or the friable plaque in your left main coronary artery. Making sure you have preventive coverage is how we as a society save money on health care. Its a hell of a lot cheaper to treat your LDL cholesterol for a decade than treat the heart attack you had from an unstable plaque. Its a lot more cost effective to give you the anticoagulant for your asymptomatic atrial fibrillation and avoid a stroke which will send you to a nursing home for decades.

    Sorry you have to pay more money to get decent insurance, but the ACA will help to ensure a guy like you has minimally standard insurance at competiive market prices. Thats good.
    This is one of the best arguments I've heard, for minimal standards, and I do appreciate you taking the time to lay it out.

    The problem though is the costs involved, I can pay a high deductible if I do develop some unseen condition - I get blood tests, and have been screened for for a few things ( can't recall), but I cannot afford to pay a whole lot more for my health insurance, that inclues tests for various diseases.
    i pay 13 1/2 % to FISA right off the top.

    So i'm trying to get through with minimal costs, STAY HEALTHY ( i work at it - my #1 priority), and be able to not get food stamps, or other gov't assistance.

    I've never taken a dime from the state or Fed'l gov't in terms of assistance, so if you make my HC costs jump up, I'm not going to be able to take care of myself, in terms of finances.
    I am taxed enough already (TEA), though I am not a member of any political party.

    I own my home, which means I am not eligible for any type of subsidy A few years from now I'll be on Medicare with the rest of the boomer generation.

    I spend my money not on lavish things, since I'm Buddhist, they are just 'attachments' anyways.
    I spend money on staying alive, and being healthy. Best leave it that way.
    Oṃ maṇi padme hūṃ

  6. #166
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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
    It may be my mistake, but when I looked at AARP's website, it said that their supplemental plans were Advantage plans.
    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

    Quote Originally Posted by annata View Post
    This is one of the best arguments I've heard, for minimal standards, and I do appreciate you taking the time to lay it out.

    The problem though is the costs involved, I can pay a high deductible if I do develop some unseen condition - I get blood tests, and have been screened for for a few things ( can't recall), but I cannot afford to pay a whole lot more for my health insurance, that inclues tests for various diseases.
    i pay 13 1/2 % to FISA right off the top.

    So i'm trying to get through with minimal costs, STAY HEALTHY ( i work at it - my #1 priority), and be able to not get food stamps, or other gov't assistance.

    I've never taken a dime from the state or Fed'l gov't in terms of assistance, so if you make my HC costs jump up, I'm not going to be able to take care of myself, in terms of finances.
    I am taxed enough already (TEA), though I am not a member of any political party.

    I own my home, which means I am not eligible for any type of subsidy A few years from now I'll be on Medicare with the rest of the boomer generation.

    I spend my money not on lavish things, since I'm Buddhist, they are just 'attachments' anyways.
    I spend money on staying alive, and being healthy. Best leave it that way.
    Owning your home, to my knowledge, has no bearing upon subsidy levels.

    Subsidies are quite generous - you might qualify.

    Subsidy Calculator | The Henry J. Kaiser Family Foundation

    You also have to realize the cost that you pay in-network for expenses are massively discounted vs. self-pay - labs, appointmetns, etc. Sticker price in health care is BS - no one pays it, and insurance companies often have negotiations at a third of the actual price billed for, and even less.

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

    Quote Originally Posted by Threegoofs View Post
    Yes. I want the right to go bankrupt and die in the street, just like God intended.
    We could have done this without losing our right to choose. But no, we had to fundamentally change our right to choose.
    We went from sticks and stones may break my bones but words will never hurt me to safe spaces.

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

    Quote Originally Posted by Threegoofs View Post
    The caveat that "these plans are not meant for primary insurance" does not exclude self employed people. It includes them.


    Yep. Works for you. But it doesnt work out for the rest of us. Supplemental policies without the underpinning of actual insurance is exactly what the ACA wants to eliminate. The reason is that a few years ago, if you developed a preexisting condition that was a chronic one, you'd be screwed. You'd have extensive non-covered office visits/prodecures and drugs if you, say, developed a treatable cancer, and you would have gone bankrupt. That assumes you didnt buy those types of supplemental plans.. from what you say, it sounds like its a hospitalization plan primarily - which is nice, but hospitalization isnt always that big of a deal depending upon the condition.

    Now, with the ACA, you will develop an uncovered condition and want to change plans to one who does. In other words, with JUST a supplemental plan, you would be a free rider until you get sick. Thats great for you, crappy for everyone else who is paying. So a simple supplemental plan is a bad thing for the system.

    The other issue is that you SAY you are healthy, but you never know. There is a 100% chance you will get something fatal in your lifetime. It may be a cluster of neoplastic cells in your pancreas right now, or that slowly dissecting aneurysm in your cerebral arteries, or the friable plaque in your left main coronary artery. Making sure you have preventive coverage is how we as a society save money on health care. Its a hell of a lot cheaper to treat your LDL cholesterol for a decade than treat the heart attack you had from an unstable plaque. Its a lot more cost effective to give you the anticoagulant for your asymptomatic atrial fibrillation and avoid a stroke which will send you to a nursing home for decades.

    Sorry you have to pay more money to get decent insurance, but the ACA will help to ensure a guy like you has minimally standard insurance at competiive market prices. Thats good.
    Ain't it just great that you Threegoofs, can tell annata what is best for him/her? What gives you that right to think arrogantly that you can give that advice to someone you don't even know? What if? this, what if? that, I tell ya, you progressive liberals ought to worry about yourselves and leave our decisions to us.
    Americans are so enamored of equality that they would rather be equal in slavery than unequal in freedom.

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

    Quote Originally Posted by Threegoofs View Post
    Yes. I want the right to go bankrupt and die in the street, just like God intended.
    Nothing in the ACA, or any other law, prevents that from happening.

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