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ACA: What are the plans? Premiums?

Aberration

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So since ACA has been upheld, it is time to pull up our big kid chones and move on.

So what I want to know is, what are the plans that will be on the exchange? What are the premiums? Do we even know yet?

I have done a bit of searching, and I can't really find anything as its all bogged down with the ruling and then other questions being answered.

I know my employer will not have to pay a penalty or offer insurance, as we only have 2 US employees. So it would be nice to know if I actually will get a better plan, since this is what I am told is supposed to happen.
 
So since ACA has been upheld, it is time to pull up our big kid chones and move on.

So what I want to know is, what are the plans that will be on the exchange? What are the premiums? Do we even know yet?

I have done a bit of searching, and I can't really find anything as its all bogged down with the ruling and then other questions being answered.

I know my employer will not have to pay a penalty or offer insurance, as we only have 2 US employees. So it would be nice to know if I actually will get a better plan, since this is what I am told is supposed to happen.

You already have insurance, I assume. Your plan will have to meet AHA's minimum requirements. If it doesn't, the plan will be changed to meet those requirements. Your premiums, in that case, will undoubtedly go up. There ain't gunna' be any free lunches, of that you can be certain.
 
Yes I know my plan has to meet the AHA's requirements. That has nothing to do with what I asked.

You get a free lunch of the lowest premium exceeds 8% of your income.

I guess I will just have to wait for someone who actually is interested in addressing the topic. Gotta go to work anyways.
 
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So since ACA has been upheld, it is time to pull up our big kid chones and move on.

So what I want to know is, what are the plans that will be on the exchange? What are the premiums? Do we even know yet?

I have done a bit of searching, and I can't really find anything as its all bogged down with the ruling and then other questions being answered.

I know my employer will not have to pay a penalty or offer insurance, as we only have 2 US employees. So it would be nice to know if I actually will get a better plan, since this is what I am told is supposed to happen.

First, it depends on your insurer, and what is required under ACA. That shouldn't be too hard to find and compare to what you get now. Add in that your insurer must cover any kids up to 26, must cover kids with pre-existing conditions they didn't before, that they can not limit your lifetime expenses, and your policy will go up. That jibes with the "affordable" part of "ACA"... :roll:

And I wouldn't be jumping into those big kid clothes all that quickly, all of this is far from over.
 
So since ACA has been upheld, it is time to pull up our big kid chones and move on.

So what I want to know is, what are the plans that will be on the exchange? What are the premiums? Do we even know yet?

I have done a bit of searching, and I can't really find anything as its all bogged down with the ruling and then other questions being answered.

I know my employer will not have to pay a penalty or offer insurance, as we only have 2 US employees. So it would be nice to know if I actually will get a better plan, since this is what I am told is supposed to happen.

All the plans will be the same min coverage since their is a price cap. Min coverage is all you need and covers everything with no limit.

With you small employer, they will get tax credits to cover you, but if not here is your costs.

Health Reform Subsidy Calculator - Kaiser Health Reform

Depending on your income, its a max of 2% or 4 to 8% of pay.

This calculator figures that. But with no Medicaid, if you are to poor, your screwed.
 
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First, it depends on your insurer, and what is required under ACA. That shouldn't be too hard to find and compare to what you get now. Add in that your insurer must cover any kids up to 26, must cover kids with pre-existing conditions they didn't before, that they can not limit your lifetime expenses, and your policy will go up. That jibes with the "affordable" part of "ACA"... :roll:

And I wouldn't be jumping into those big kid clothes all that quickly, all of this is far from over.

More LIES of the GOP. Premiums are a maximum of 2% to 8% of pay. 9.5% IF employer covers you.
 
More LIES of the GOP. Premiums are a maximum of 2% to 8% of pay. 9.5% IF employer covers you.

Link to such information? Proof that the 2% to 8% is not more than what Aberration already pays?

If that is the case, then we yet again have another program from the left that soaks the rich for no reason eh? The more you make the more your medical care costs you. How quaint.
 
Link to such information? Proof that the 2% to 8% is not more than what Aberration already pays?

If that is the case, then we yet again have another program from the left that soaks the rich for no reason eh? The more you make the more your medical care costs you. How quaint.

it called the subsidy for HC costs and was the idea of the GOP in the Senate. REAL reform had cost control boards that would have HAMMERED EXTORSIONIST CRIMINAL Dr's of the USA.

I have an OP with my HC links. You can also download HR 3590 as passed. Quite watching faux news. And learn to read.

And as for the POINT .9% tax on the rich. it will not hurt your $300 million income to much!!!! LMAO.

Real reform had a 5.4% tax. Now THAT would have been nice........LOL
 
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Quite watching faux news. And learn to read.

So the answer is no, you have nothing, thanks.

Btw, when you tell someone to learn how to read, you should first learn to spell.
 
So the answer is no, you have nothing, thanks.

Btw, when you tell someone to learn how to read, you should first learn to spell.

Agian the GOP CONtard refuses to learn.

Why do you like being a tool of the mega rich? Do they stroke your ego? Give you a few scraps? LMAO!!
 
Agian the GOP CONtard refuses to learn.

Why do you like being a tool of the mega rich? Do they stroke your ego? Give you a few scraps? LMAO!!

Still refuse to back up any of your points? I'm not surprised.

Have a nice time while you still have an account.
 
More LIES of the GOP. Premiums are a maximum of 2% to 8% of pay. 9.5% IF employer covers you.

More disinformation by you. Is not the max 2-8% applies to the poor or unemployed?

Here is rub. Lets say you and I have the same health care plan. You make 50,000, I make 25,000. why would you pay more for the same plan as me? Before ACA if you and I had the same plan, we would pay the same rate.
Income has no bearing on policy rates, except for the unemployed or very poor.
 
You already have insurance, I assume. Your plan will have to meet AHA's minimum requirements. If it doesn't, the plan will be changed to meet those requirements. Your premiums, in that case, will undoubtedly go up. There ain't gunna' be any free lunches, of that you can be certain.

Most of those changes have already been made, and there is no reason, despite the rhetoric, for premiums to increase. That doesn't mean they won't, as they were increasing before reform. But if more people are going to be insured, the mandate, this should offset any need for increase. Agian, this doesn't mean an effort to snow folks won't take place.
 
So since ACA has been upheld, it is time to pull up our big kid chones and move on.

So what I want to know is, what are the plans that will be on the exchange? What are the premiums? Do we even know yet?

So it would be nice to know if I actually will get a better plan, since this is what I am told is supposed to happen.


Would you consider it a better plan if it came with Death Panels?
 
But if more people are going to be insured, the mandate, this should offset any need for increase.

Please explain this thoroughly if possible.

Most people who can afford to pay anything into the pool do so, and insure themselves. Some (probably small) number of people can afford to but don't. Many people cannot afford to and don't, and thus are uninsured.

This means that the untapped money in health insurance is in that middle group of people who can definitely afford insurance but opt not to have it. Relatively speaking, I think this group is quite small. And yet it's the only group we can draw some money out of using the mandate. The people paying for insurance are already paying, and most of the people paying nothing pay nothing because they can't. The success of PPACA in lowering costs for all relies entirely on the size of the group that can easily afford insurance but opts not to.

How big is this group of people, and is their contribution enough to save us?
 
Please explain this thoroughly if possible.

Most people who can afford to pay anything into the pool do so, and insure themselves. Some (probably small) number of people can afford to but don't. Many people cannot afford to and don't, and thus are uninsured.

This means that the untapped money in health insurance is in that middle group of people who can definitely afford insurance but opt not to have it. Relatively speaking, I think this group is quite small. And yet it's the only group we can draw some money out of using the mandate. The people paying for insurance are already paying, and most of the people paying nothing pay nothing because they can't. The success of PPACA in lowering costs for all relies entirely on the size of the group that can easily afford insurance but opts not to.

How big is this group of people, and is their contribution enough to save us?

The reason for the mandate is to increase the pool so that the things desired, like paying for pre-existing conditions, can be paid for. So, with the pool increased, no matter how it is increased, if you have insurance already, there is no valid reason that your insurance shold raise. Instead, that difference should be made up by the alrger pool.

Now the size of those that afford it I think is an unknown. The larger concern might be how much the government might have to pick up or help with, but that doesn't matter to your premuiums. It may matter in taxes or cuts to other programs (and the bill has some of that built in, we just don't know for sure if it is enough).

I think there is a lot of working poor, people largely pulling their weight and contributing, who can't afford insurance not provided by their employer, and they work for employers who don't provide it. Again, no certainty of the exact number, but I suspect if could be high. So we often end up paying for them in all kinds of ways. Hopefully, that number will decrease and more will be able to pay their own way, or at least not be contributing to larger problem.

Now, I don't think this is the best way to address the issue. But it is better than standing pat if for no other reason than to force us to move forward. The public optionwas a better plan. And the one not offered, UHC (single payer) is better still.
 
At this point, there should be. It would be better if there were. I'm not joking around, either.

I quite disagree. ANd I'm not joking either. But I do get annoyed how some try to mislabel things as a death panel.
 
Agian the GOP CONtard refuses to learn.

Why do you like being a tool of the mega rich? Do they stroke your ego? Give you a few scraps? LMAO!!

Moderator's Warning:
Knock off the personal attacks.
 
More disinformation by you. Is not the max 2-8% applies to the poor or unemployed?

Here is rub. Lets say you and I have the same health care plan. You make 50,000, I make 25,000. why would you pay more for the same plan as me? Before ACA if you and I had the same plan, we would pay the same rate.
Income has no bearing on policy rates, except for the unemployed or very poor.
________________________________________
Yes income DOES have an effect on ALL plans.
"poor" is 100% ($10K) to 400% ($44K) single. So $20 hr is "very poor" now.

All employer plans must not be more than 9% of income.

I love paying $22 month for the same plan YOU will be getting...... LMAO!!!!!!! :cool: And thats A FACT! 100% to 133% pay max 2% of pay.

HR 3590 quote page 240
‘‘(ii) SPECIAL RULE FOR TAXPAYERS
UNDER 133 PERCENT OF POVERTY LINE.—If
a taxpayer’s household income for the tax
able year is in excess of 100 percent, but not
more than 133 percent, of the poverty line
for a family of the size involved, the tax
payer’s applicable percentage shall be 2 per
cent.


See everyone, the GOP CONtard just cant stand the same healthcare for all.........at different prices..........LMAO :mrgreen:
 
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Still refuse to back up any of your points? I'm not surprised.

Have a nice time while you still have an account.

Oh my, are you going to take away my birthday! LMAO

and I willl gladly provide links and proof to people willing to learn the truth of the ACA.
But the right refuses to learn so whats the point?

I posted most of my links on HC as a HC original post.

"

My collected facts of health care reform" headline.
 
**** me. Not one of you answered the honest ****ing question.

Go **** in someone else's thread. I want to know some important specifics.
 
Oh my, are you going to take away my birthday! LMAO

and I willl gladly provide links and proof to people willing to learn the truth of the ACA.
But the right refuses to learn so whats the point?

I posted most of my links on HC as a HC original post.

"

My collected facts of health care reform" headline.

Shut the **** up. I am on the right. And I am trying to learn. But you keep ****ting in my thread. So get the **** out of it.
 
There are no death panels.

Call them whatever you want, when the money dries up enough, someone, most likely without a medical background, will be deciding grandma doesn't need this or that treatment because she is too old and it costs to much.

The reason for the mandate is to increase the pool so that the things desired, like paying for pre-existing conditions, can be paid for.

This is all nice in theory, but right now 90% of the people have insurance, and 10% are without. How is a 10% increase in the money 'spent' going to be enough to cover all this new stuff? Even more so when a good portion of that 10% isn't actually going to be paying because they are too poor?

Logically and mathematically, makes no sense.
 
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