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

Samhain said:
If the person used to have a plan without a lifetime cap and a $3k deductible, then it does increase a bankruptcy chance.
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I suppose so. But a plan like that isnt the type the ACA is forcing to be canceled.

And generally, when people had plans like that they were employer based, and with illness, they ended up unemployed and at the mercy of the self insurance market with a pre-existing condition. Thats what the ACA fixed. And we all have to pay a little more for it, but I think its worth it.
 
Threegoofs said:
Given that health insurance is a population issue, with risk pools playing a major role, it seems to me that a basic understanding of the issues is crucial to knowing what is best for someone. What gives you the right to think ignorantly that information dissemination about basic insurance concepts is arrogant?

I think the problem is that the progressive liberals often HAVE left the decisions to guys like you, and it resulted in a really awful health insurance system that the ACA is now replacing.
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More arrogant thinking on your part. To think that you know best what I should buy, can afford, or how I should spend MY money, is not only arrogant, it's repulsive.

On your last part, so, replacing the entire health insurance system, with mandates dictated by bureaucrats, and written by the very insurance companies that you call 'bad actors' with 'awful plans' was the fix eh? Wow, that is some twisted logic if you ask me.

So wait. Having an insurance plan with no lifetime cap and a $12k deductible will make you go bankrupt faster when you have a signficant health condition than having no insurance at all? The ACA wont solve the problem, but it will sure help significantly.

Do you have the least bit of knowledge about health care, health care costs, insurance, or the fact that the number one cause of all bankruptcy is the result of health bills. ?
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Yes, absolutely....Let me lay it out for you again, using myself as the example...I carry BC/BS health insurance. It is a traditional 80/20 plan, minus the $1000. deductible, with $20/$30 co pays to see doctors, and specialists. The prescription portion is also 80/20 over a $20/$40 co pay for in/out of formulary. Not some shoddy plan by any stretch.

Now, my daughter struggles with a condition that has caused her to be hospitalized several times the year already, in all instances my deductible was met, and I now have the piece of mind that when she does go in at this point it is only going to cost me 20% of what the bill is. If I had the O-care plan that is comparable, my deductible would not have been met yet, and I would be on the hook for thousands of dollars more out of pocket. This difference alone, in this day and age of living pay check to pay check could/would have absolutely bankrupted me.

Not to mention that I have already said that of the plans offered in the exchange that I have looked at would cost me almost 200% more per month than I am currently paying now.

So, now you tell me what I am missing here.
 
j-mac said:
More arrogant thinking on your part. To think that you know best what I should buy, can afford, or how I should spend MY money, is not only arrogant, it's repulsive.
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It's also factual. Experience shows that the american people, as a whole, do not know how to choose the insurance that is right for them. If they did, then an inability to pay their medical bills would not be the leading cause of bankruptcy in the US


Yes, absolutely....Let me lay it out for you again, using myself as the example...I carry BC/BS health insurance. It is a traditional 80/20 plan, minus the $1000. deductible, with $20/$30 co pays to see doctors, and specialists. The prescription portion is also 80/20 over a $20/$40 co pay for in/out of formulary. Not some shoddy plan by any stretch.

Now, my daughter struggles with a condition that has caused her to be hospitalized several times the year already, in all instances my deductible was met, and I now have the piece of mind that when she does go in at this point it is only going to cost me 20% of what the bill is. If I had the O-care plan that is comparable, my deductible would not have been met yet, and I would be on the hook for thousands of dollars more out of pocket. This difference alone, in this day and age of living pay check to pay check could/would have absolutely bankrupted me.

Not to mention that I have already said that of the plans offered in the exchange that I have looked at would cost me almost 200% more per month than I am currently paying now.

So, now you tell me what I am missing here.
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So your complaint is that under ACA, you're going to have to pay a greater share of your bills, and will no longer have to count on others to pay a share of your bills.
 
TheDemSocialist said:
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]
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For the Bronze plan. That's $5000 deductible plus 40% copay.

Did you know that a person can buy deeds to plots on Mars really cheap too. Not worth anything but by golly you get to technically become a property owner - and that'd look great for Democrats if private property ownership rates went up!

A 30 year old with the "Bronze" plan technically would have insurance and in reality have none.
 
Threegoofs said:
T

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.
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That's completely false. The ACA means paying lots more for insurance that is essentially worthless.
 
sangha said:
It's also factual.
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No, that's your opinion.

Experience shows that the american people, as a whole, do not know how to choose the insurance that is right for them. If they did, then an inability to pay their medical bills would not be the leading cause of bankruptcy in the US
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"Experience"? who's experience? Yours? What do you do for a living? (So that we may qualify your "experience") and even if as you say the American people don't know how to choose insurance coverage to meet their needs (insulting as that is) I would say that calls for an educational ad campaign, not putting the insurance system into chaos.

So your complaint is that under ACA, you're going to have to pay a greater share of your bills, and will no longer have to count on others to pay a share of your bills.
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"others"? You mean like the insurance company I paid for the coverage used? Unless you pay for my insurance you might want to not go down this road. And yes, under the ACA, I will end up with a policy that covers roughly the same thing with a few extras I don't need, and my premium not only goes up (contrary to Obama's promise of lowering that) but, my deductible now is outrageous.

So yeah, I am (as most in my situation) are more than a little pissed that we were lied to by Obama.
 
joko104 said:
That's completely false. The ACA means paying lots more for insurance that is essentially worthless.
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100% true for most people and a great point to make. The "junk" health insurance does in fact now exist all because of Obama and the Dems.
 
j-mac said:
No, that's your opinion.
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No, it's fact

"Experience"? who's experience? Yours? What do you do for a living? (So that we may qualify your "experience") and even if as you say the American people don't know how to choose insurance coverage to meet their needs (insulting as that is) I would say that calls for an educational ad campaign, not putting the insurance system into chaos.
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The experience of a nation called The USA




"others"? You mean like the insurance company I paid for the coverage used? Unless you pay for my insurance you might want to not go down this road. And yes, under the ACA, I will end up with a policy that covers roughly the same thing with a few extras I don't need, and my premium not only goes up (contrary to Obama's promise of lowering that) but, my deductible now is outrageous.

So yeah, I am (as most in my situation) are more than a little pissed that we were lied to by Obama.
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So now you have to pay a greater share of your own expenses. My sympathies...

smallest-violin.jpg
 
sangha said:
No, it's fact
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No, it isn't....(we can do this all day)

The experience of a nation called The USA
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You speak for the entire nation do you? :roll:

So now you have to pay a greater share of your own expenses.
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Is that what was promised?

My sympathies...
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Don't need your pity, just a progressive that might possibly tell the truth from time to time, but then alas, they wouldn't be progressives would they?
 
j-mac said:
No, it isn't....(we can do this all day)



You speak for the entire nation do you? :roll:
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I don't have to speak for the nation in order to cite historical facts

Is that what was promised?
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I don't recall any politician making any promises to you about your health care costs.
 
Kal'Stang said:
Yep, he got caught. Didn't stop him from actually breaking the law did it? In a politicians mind it is perfectly OK to break the law so long as you don't get caught. Even better when you can get judges to agree with a revisionist interpretation of a law.
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By that argument. All politicians that dont do illegal things means they did it because it was illegal.......
 
Washington (CNN) - Officials expressed concern that the next shoe to drop in the evolving story about the Affordable Care Act would be disappointment from consumers once they are able to get on the troubled HealthCare.gov website – disappointment because of sticker shock and limited choice, according to a new document obtained by CNN.
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Obamacare 'War Room' docs: We're concerned next media story is some consumers getting on website and finding fewer options, higher prices – The Lead with Jake Tapper - CNN.com Blogs

$50...:lamo
 
TheDemSocialist said:
By that argument. All politicians that dont do illegal things means they did it because it was illegal.......
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Hardly. The best way to lie is to sprinkle truth and half truths among the lies. Which is no doubt what they are doing.
 
Threegoofs said:
So wait. Having an insurance plan with no lifetime cap and a $12k deductible will make you go bankrupt faster when you have a signficant health condition than having no insurance at all? The ACA wont solve the problem, but it will sure help significantly.

Do you have the least bit of knowledge about health care, health care costs, insurance, or the fact that the number one cause of all bankruptcy is the result of health bills. ?
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Surprisingly, nearly three-quarters of those filing for bankruptcy because of medical debt have health insurance.
Medical Bills a Leading Cause of Bankruptcy | Legal News | Lawyers.com

Obamadon'tcare isn't going to change this unless the number of people without health insurance because of the law increases as high as some think. In the meantime, I suspect because of the higher deductibles that Obamadon'tcare has left many with, yep, it's now more likely for people to go bankrupt.

The proof is applying what is happening now with lower deductibles for most against the future higher. And the fact that the Democrats used it as a selling point as the law was based on lies, bankruptcy being just another.
 
sangha said:
I don't recall any politician making any promises to you about your health care costs.
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"Obama says his plan will "lower premiums by up to $2,500 for a typical family per year," partly through the use of electronic records. But experts say large savings from health IT are unlikely to flow to consumers."

Obama’s Inflated Health “Savings”



He only repeated it over, and over, and over, and over, and over, and over.....

But you don't recall....yeah right. :cool::roll:
 
ItAin'tFree said:
Surprisingly, nearly three-quarters of those filing for bankruptcy because of medical debt have health insurance.
Medical Bills a Leading Cause of Bankruptcy | Legal News | Lawyers.com

Obamadon'tcare isn't going to change this unless the number of people without health insurance because of the law increases as high as some think. In the meantime, I suspect because of the higher deductibles that Obamadon'tcare has left many with, yep, it's now more likely for people to go bankrupt.

The proof is applying what is happening now with lower deductibles for most against the future higher. And the fact that the Democrats used it as a selling point as the law was based on lies, bankruptcy being just another.
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Right!

The concept is that the health insurance that had been sold to many people was terrible. Mini med plans, plans with carved out coverages, very low caps, etc.

Now there are ACA standards, people will be migrated to better, and often cheaper, insurance plans, and we should see MUCH LESS financial ruin from bad insurance.

You don't go bankrupt because you have to pay your dedectible. You go bankrupt because you get care you're not covered for.
 
j-mac said:
"Obama says his plan will "lower premiums by up to $2,500 for a typical family per year," partly through the use of electronic records. But experts say large savings from health IT are unlikely to flow to consumers."

Obama’s Inflated Health “Savings”



He only repeated it over, and over, and over, and over, and over, and over.....

But you don't recall....yeah right. :cool::roll:
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You're not typical
 
roughdraft274 said:
You don't have to pay a deductible for annual check ups and preventative services. If you don't know anything about health insurance it's best to read up on it before discussing it.
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You shouldn't be using insurance for check ups and preventative services at all in the first place. You should be paying cash out of pocket for that.
 
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