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Thread: IRS: Cheapest Obamacare Plan Will Be $20,000 Per Family

  1. #161
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    Re: IRS: Cheapest Obamacare Plan Will Be $20,000 Per Family

    Under our old (current) system almost all people when faced with a $300,000 medical bill, file bankruptcy. They pay nothing. We do.
    Quote Originally Posted by Imnukingfutz View Post
    How would he not have had to pay at all under the old system?

    I definitely understand the possibility of him going bankrupt, it has happened to too many people...but thats what catastrophic (major medical) insurance is all about. It was a super cheap policy that covered for things like that...major medical catastrophes. Thats the policy we carried for the longest time until we got an MSA...now thats not acceptable to our beloved Imperial Federal Government.

    Like free healthcare, huh? I dont get your point on that.
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    Re: IRS: Cheapest Obamacare Plan Will Be $20,000 Per Family

    Quote Originally Posted by Lutherf View Post
    This has been going around for a while now. The $20k figure comes from an example the IRS uses in one of their publications. At this point I'm not even sure anybody knows what a "Bronze Level" plan will have to consist of.

    That being said, we do know what the penalties are going to be and I'll pretty much guarantee you that for someone single, in good health and with no kids it will be a whole lot cheaper to pay the fine.
    The bronze level means you pay 80% of all costs. My company went to this plan forcing to jump through all kinds of hoops to maintain the great insurance we had before Obamacare.

    Obama literally screwed 85% of people with coverage with this legislation.

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    Re: IRS: Cheapest Obamacare Plan Will Be $20,000 Per Family

    Quote Originally Posted by Imnukingfutz View Post
    It wont matter any more once Obamacare kicks in fully. Your friend would be able to sign up for a new HC policy while in the hospital and they will have to cover it. Remember no limit or wait time on pre-existing conditions...it will be like getting into an auto accident then getting auto insurance and them paying for the damages.
    There's no waiting limit in terms of making you wait 6 months for your insurance to cover a pre-existing condition, but that doesn't mean that you can sign up for a plan and be covered that afternoon.

    The plans I'm hearing from your side to get around Obama Care sound like something the burglars from Home Alone would come up with.
    Quote Originally Posted by TurtleDude View Post
    uh that is so small as to be stupid. Do you want registration? given less than 3% of criminals get their guns from private sales, its pretty much a waste of resources
    **Thirty Minutes Later**
    Quote Originally Posted by TurtleDude View Post
    you are confused. I never denied that many criminals get guns in private sales.

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    Re: IRS: Cheapest Obamacare Plan Will Be $20,000 Per Family

    Quote Originally Posted by Rocketman View Post
    The bronze level means you pay 80% of all costs.
    This is false. There is a cap on out of pocket expenses on all plans offered after Obama Care is full implemented. It's the law. It's also false that you pay 80% of costs up to the out of pocket limit. You pay your deductible, then 20% of costs, til you hit the limit, at which point everything is covered.

    And we wonder why people are scared. They don't know a damn thing about it.
    Quote Originally Posted by TurtleDude View Post
    uh that is so small as to be stupid. Do you want registration? given less than 3% of criminals get their guns from private sales, its pretty much a waste of resources
    **Thirty Minutes Later**
    Quote Originally Posted by TurtleDude View Post
    you are confused. I never denied that many criminals get guns in private sales.

  5. #165
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    Re: IRS: Cheapest Obamacare Plan Will Be $20,000 Per Family

    Quote Originally Posted by j-mac View Post
    So much for bending the cost curve down eh? Wow! Why would anyone not just pay the tax? Man, what a lie we were forced into with this crap.
    What I don't get with the Obamacare critics is I honestly cannot see how on average the net math works out to be any more expensive than what we're paying now and could even be cheaper.

    Pre-Obamacare: Everybody gets medical treatment. The insured through the normal channels and paid for through their health insurance policies. The uninsured either through government assistance paid for by tax-payers or at the emergency room and at exponentially higher costs than a regular doctor visit and very often long after their condition is so far advanced, not only is it in a life threatening stage but a HUGELY more expensive to treat, the cost of which is absorbed by price gouged fees passed on to insured patients.

    Post-Obamacare: Everybody gets medical treatment but are required to have their own mandatory health insurance. The exorbitant costs being passed on with those with insurance to underwrite the treatment for those without health insurance should be forced downward since there should be no need for hospitals to pass on expensive costs of the uninsured to the insured, right?

    This is a bit of a tangent but I am a big supporter of the national retail sales tax replacing personal income taxes. One sticking point the Fair Tax movement constantly has to argue is once the Fair Tax takes effect, prices for consumer goods will supposedly drop like a brick within hours because all of the hidden tax costs of bringing products to market will be gone and market forces will drive down their costs immediately. If that's true, why isn't a similar much easier to understand hidden cost of healthcare that goes away does not also drive down healthcare costs under Obamacare? If the costs of healthcare does not drop under Obamacare because uninsured healthcare treatment will no longer be passed on to the rest of us, I will be forced to conclude the Fair Tax is a big lie and will only add extra costs on all products while to so-called added tax costs to bring products to market under the current system will remain in effect.
    Having opinions all over the map is a good sign of a person capable of autonomous thinking. Felix -2011

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    Re: IRS: Cheapest Obamacare Plan Will Be $20,000 Per Family

    Quote Originally Posted by roughdraft274 View Post
    This is false. There is a cap on out of pocket expenses on all plans offered after Obama Care is full implemented. It's the law. It's also false that you pay 80% of costs up to the out of pocket limit. You pay your deductible, then 20% of costs, til you hit the limit, at which point everything is covered.

    And we wonder why people are scared. They don't know a damn thing about it.
    No, I have my plan right here in front of me. Gold is 80/20, Silver is 70/30, and Bronze is 20/80. So you are full of sh*t like most libs that listen to what they are told.

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    Re: IRS: Cheapest Obamacare Plan Will Be $20,000 Per Family

    Quote Originally Posted by mak2 View Post
    Yea, that's accurate. CNS news?
    No it's not. It is a hoax and I'm sure you are not surprised

    For one thing, the example in the proposed regulations uses the word “average,” which means that the “cheapest” plan could, in fact, be lower than $20,000. But more important, the regulations weren’t a “cost analysis” at all. A spokesperson for the Treasury Department confirmed to factcheck.org in an email that the IRS wasn’t making any declarations or projections about what prices will be.

    “[Twenty thousand dollars] is a round number used by IRS for a hypothetical example,” the official wrote. “It is not an estimate of premiums for a bronze plan for a family of five in 2016.”

    So far, no one knows exactly how much insurance plans on the exchanges will cost. The health care law only mentions “actuarial values” for the four tiers of coverage — in other words, how much of an insured person’s health care costs a plan is expected to cover. Bronze plans are to cover at least 60 percent of costs; silver plans will cover 70 percent. Gold plans will cover 80 percent, and platinum plans will cover 90 percent of the costs. In each case, the remaining percentage is left to the insured to pay through deductibles, copayments and coinsurance.

    In January 2010, before the Affordable Care Act became law, the Congressional Budget Office projected that, in 2016, premiums for bronze plans would, on average, cost “between $12,000 and $12,500 for family policies.” That estimate has not been updated since.

    About how much are families paying now?

    Most recently, the average annual premium for employer-sponsored coverage for a family of four reached $15,745 in 2012 — up 4 percent from 2011 — according to a survey conducted by the Kaiser Family Foundation and the Health Research & Educational Trust. On average, workers paid $4,316 toward the cost of their coverage, while employers covered the remainder
    factcheck.org : ‘Obamacare’ to cost $20,000 a Family?

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    Re: IRS: Cheapest Obamacare Plan Will Be $20,000 Per Family

    Quote Originally Posted by j-mac View Post
    So much for bending the cost curve down eh? Wow! Why would anyone not just pay the tax? Man, what a lie we were forced into with this crap.
    Not likely to be true coming from CNS. Just saying . . . .

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    Re: IRS: Cheapest Obamacare Plan Will Be $20,000 Per Family

    Quote Originally Posted by mak2 View Post
    Under our old (current) system almost all people when faced with a $300,000 medical bill, file bankruptcy. They pay nothing. We do.
    do you think that will change?
    Know the truth and the truth will make you mad, because the truth has no agenda.

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    Re: IRS: Cheapest Obamacare Plan Will Be $20,000 Per Family

    Quote Originally Posted by roughdraft274 View Post
    There's no waiting limit in terms of making you wait 6 months for your insurance to cover a pre-existing condition, but that doesn't mean that you can sign up for a plan and be covered that afternoon.

    The plans I'm hearing from your side to get around Obama Care sound like something the burglars from Home Alone would come up with.
    No waiting periods for pre-existing conditions, immediate coverage...medicaid is that way already, it will cover the previous 30 days from the date of sign up. Why do you think people wont take advantage of this? They take advantage of everything else...this will be different how?
    Know the truth and the truth will make you mad, because the truth has no agenda.

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