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Cousin's final decision on healthcare insurance

MaggieD

MaggieD

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She picked a BCBS policy that will cost $2200 a month for her, age 61, and her husband, 57 I think. The deductible is $6800 per person. Medicine is not subsidized until the deductible is met on each individual. After the deductible is met, that person's insurance pays 100% of covered charges.

$2400 x 12 = $28,800 a year for insurance plus $6800 deductible for each of them. This is the AFFORDABLE Care Act that President Obama is sooo proud of. They are not eligible for subsidies since they make over $65,000 a year.

What a cluster****.

This, in effect, stifles the employee who wants to go out on his own to start a business. Never has any program killed entrepreneurship so effectively.

Obama's legacy? No. His curse.
 
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My family's insurance premium has almost tripled since the ACA and our coverage got worse with deductibles increasing.

For me to get on the cheapest ACA plan it would cost $265 a month with a 7k deductible as a male in his 20's.
 
Good thing Trump will repeal it on day one as he incessantly promised throughout the elections.
 
I will never complain about my insurance ever again. Those prices are criminal.
 
digsbe said:
My family's insurance premium has almost tripled since the ACA and our coverage got worse with deductibles increasing.

For me to get on the cheapest ACA plan it would cost $265 a month with a 7k deductible as a male in his 20's.
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That sounds very reasonable.
 
MaggieD said:
She picked a BCBS policy that will cost $2200 a month for her, age 61, and her husband, 57 I think. The deductible is $6800 per person. Medicine is not subsidized until the deductible is met on each individual. After the deductible is met, that person's insurance pays 100% of covered charges.

$2400 x 12 = $28,800 a year for insurance plus $6800 deductible for each of them. This is the AFFORDABLE Care Act that President Obama is sooo proud of. They are not eligible for subsidies since they make over $65,000 a year.

What a cluster****.

This, in effect, stifles the employee who wants to go out on his own to start a business. Never has any program killed entrepreneurship so effectively.

Obama's legacy? No. His curse.
Click to expand...

I have been running my own home repairs & rehab company here in Virginia Beach, since I left the Dump trucks a few months ago.

I would love to hire permanent workers, but the regulations are not worth the hassle for me.

I only deal with Mexican sub crews and a few"Manny's" from temp services.

I make more off the Mexicans than I would with permanent American workers. I require that they have their own Workers comp, limited liability up to 1 million, and a updated vehicle insurance card before I will even speak with them. It will save me about $7500.00 this year alone. Not to mention doing employee taxes.
 
Comparitivily speaking between the system we used and the one we implimented, what great improvement has occurred to justify the enourmous increases people are being charged? Can anyone explain the argument without being hostils about it?

Sent from my SM-G920P using Tapatalk
 
trouble13 said:
Comparitivily speaking between the system we used and the one we implimented, what great improvement has occurred to justify the enourmous increases people are being charged? Can anyone explain the argument without being hostils about it?

Sent from my SM-G920P using Tapatalk
Click to expand...
The "great improvements" are that the 61 and 57 year old are able to get mandatory coverage for...

Maternity and newborn care, fully comprehensive pediatric services including oral and vision care, and Rehabilitative and Habilitative services and devices (which are, and I kid you not, not even defined).


In addition to these three "essential" benefits, there are 7 other benefits. In total there are 10 "essential" benefits that ACA plans must cover. Obviously some are more essential than others but you have to pay for them regardless.
 
MaggieD said:
She picked a BCBS policy that will cost $2200 a month for her, age 61, and her husband, 57 I think. The deductible is $6800 per person. Medicine is not subsidized until the deductible is met on each individual. After the deductible is met, that person's insurance pays 100% of covered charges.

$2400 x 12 = $28,800 a year for insurance plus $6800 deductible for each of them. This is the AFFORDABLE Care Act that President Obama is sooo proud of. They are not eligible for subsidies since they make over $65,000 a year.

What a cluster****.

This, in effect, stifles the employee who wants to go out on his own to start a business. Never has any program killed entrepreneurship so effectively.

Obama's legacy? No. His curse.
Click to expand...

Getting from 55 to medicare has been a huge problem for many for at least 20 years. My mom got stuck in that hell, it bothered her, so much money leaving while having so few choices.
 
MaggieD said:
She picked a BCBS policy that will cost $2200 a month for her, age 61, and her husband, 57 I think. The deductible is $6800 per person. Medicine is not subsidized until the deductible is met on each individual. After the deductible is met, that person's insurance pays 100% of covered charges.

$2400 x 12 = $28,800 a year for insurance plus $6800 deductible for each of them. This is the AFFORDABLE Care Act that President Obama is sooo proud of. They are not eligible for subsidies since they make over $65,000 a year.

What a cluster****.

This, in effect, stifles the employee who wants to go out on his own to start a business. Never has any program killed entrepreneurship so effectively.

Obama's legacy? No. His curse.
Click to expand...

https://www.healthcare.gov/quick-guide/one-page-guide-to-the-marketplace/
4. The Marketplace is for people without health coverage

The Marketplace is primarily for people who don’t have health insurance through a job, Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), or another source of qualifying coverage. ...
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Qualifying Health Coverage
Any health insurance that meets the Affordable Care Act requirement for coverage. If you have qualifying health coverage (or “minimum essential coverage” or “MEC”) you don’t have to pay the penalty for being uninsured. Examples: individual plans, including Marketplace plans; job-based plans; Medicare; and Medicaid & CHIP.

A more complete list of qualifying health coverage:

Job-based plans
Health Insurance Marketplace plans
Most individual plans bought outside the Marketplace
Medicare
Medicaid
The Children's Health Insurance Program (CHIP)
TRICARE
COBRA
Plans sold through the Small Business Health Insurance Program (SHOP) Marketplace
Click to expand...
Click to expand...

after reading the above from the .gov site it would appear your relatives CHOSE Obamacare coverage raher than an individual plan available outside of the federal Marketplace. which the causes me the assume that the Obamacare coverage they receive was more costly outside of the federal Marketplace, otherwise they would have bought less expensive coverage outside of that federal Marketplace
 
justabubba said:
https://www.healthcare.gov/quick-guide/one-page-guide-to-the-marketplace/


after reading the above from the .gov site it would appear your relatives CHOSE Obamacare coverage raher than an individual plan available outside of the federal Marketplace. which the causes me the assume that the Obamacare coverage they receive was more costly outside of the federal Marketplace, otherwise they would have bought less expensive coverage outside of that federal Marketplace
Click to expand...

No, they are in the marketplace as they should be. You forget. It's ALL Obamacare. Every policy available must adhere to Obamacare standards. There is no health insurance available that isn't Obamacare.
 
MaggieD said:
No, they are in the marketplace as they should be. You forget. It's ALL Obamacare. Every policy available must adhere to Obamacare standards. There is no health insurance available that isn't Obamacare.
Click to expand...

And remember, for most people, these premiums are paid with after tax earnings. It's fairly rare that people can deduct Medical Insurance Premiums from tax returns unless certain conditions are met.
 
ocean515 said:
And remember, for most people, these premiums are paid with after tax earnings. It's fairly rare that people can deduct Medical Insurance Premiums from tax returns unless certain conditions are met.
Click to expand...

Yes. And YET those people whose employers pay for their health insurance do NOT pay taxes on that benefit. Just some of the crap that needs fixing. If an employee doesn't have to pay tax on thee healthcare premium paid by their employer on their behalf, then anyone who pays their OWN ought to get that deduction. So screwed up.
 
MaggieD said:
She picked a BCBS policy that will cost $2200 a month for her, age 61, and her husband, 57 I think. The deductible is $6800 per person. Medicine is not subsidized until the deductible is met on each individual. After the deductible is met, that person's insurance pays 100% of covered charges.

$2400 x 12 = $28,800 a year for insurance plus $6800 deductible for each of them. This is the AFFORDABLE Care Act that President Obama is sooo proud of. They are not eligible for subsidies since they make over $65,000 a year.

What a cluster****.

This, in effect, stifles the employee who wants to go out on his own to start a business. Never has any program killed entrepreneurship so effectively.

Obama's legacy? No. His curse.
Click to expand...

My husband and his brothers own a small business and have been self employed over 40 years now.

Our health insurance has been sky high for decades now.
They only started slowing down once the ACA was passed.
Many do not realize how much their employers were paying toward their cost of health insurance u til recently when their employers stopped paying the lions share of premiums.

As we older our health expenses increase and so does the cost of insurance.

I don't know what the answer is but I do know the cost of the medical equipment ( MRIs CAT scans , robotics , etc ) keep driving the costs of insurance up , but they have also saved a lot of people's life's.
 
MaggieD said:
She picked a BCBS policy that will cost $2200 a month for her, age 61, and her husband, 57 I think. The deductible is $6800 per person. Medicine is not subsidized until the deductible is met on each individual. After the deductible is met, that person's insurance pays 100% of covered charges.

$2400 x 12 = $28,800 a year for insurance plus $6800 deductible for each of them. This is the AFFORDABLE Care Act that President Obama is sooo proud of. They are not eligible for subsidies since they make over $65,000 a year.

What a cluster****.

This, in effect, stifles the employee who wants to go out on his own to start a business. Never has any program killed entrepreneurship so effectively.

Obama's legacy? No. His curse.
Click to expand...


irrelevant post
 
ocean515 said:
And remember, for most people, these premiums are paid with after tax earnings. It's fairly rare that people can deduct Medical Insurance Premiums from tax returns unless certain conditions are met.
Click to expand...


actually most get premium subsidy.
 
trouble13 said:
Comparitivily speaking between the system we used and the one we implimented, what great improvement has occurred to justify the enourmous increases people are being charged? Can anyone explain the argument without being hostils about it?

Sent from my SM-G920P using Tapatalk
Click to expand...


very few suffer the enormous increases in premium. keep in mind truth isnt common on these forums.
 
katzgar said:
actually most get premium subsidy.
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I guess so. Just make sure you don't get promoted and start earning more money. Then the IRS comes back and says bend over, you have to pay back some or all of that subsidy.
 
reinoe said:
The "great improvements" are that the 61 and 57 year old are able to get mandatory coverage for...

Maternity and newborn care, fully comprehensive pediatric services including oral and vision care, and Rehabilitative and Habilitative services and devices (which are, and I kid you not, not even defined).


In addition to these three "essential" benefits, there are 7 other benefits. In total there are 10 "essential" benefits that ACA plans must cover. Obviously some are more essential than others but you have to pay for them regardless.
Click to expand...
Health insurance cost goes by what services people of that age typically use. Younger people are cheaper because they require far fewer specialists, trips to the doctor, fewer medications etc. I'm 31 and my insurance covers hospice. I'm not very likely to need hospice at 31. So I probably pay a very small amount for it. A 60 year old is more likely to need hospice, so they pay a bit more. An 80 year old probably pays alot for it because their chances of using it are so much higher than the 30 year old. So we get charged for what someone like us will actually use. As in "Our average 25 year old female spends this much on expenses related to having a baby, so we charge the average customer that amount". If literally no 60 year is using maternity care, then they really aren't being charged for it. The insurance companies don't just tally up everything your plan covers and then charges everyone the average of what the plan pays out. If they did that then old people wouldn't have to pay such higher premiums. Look up "Actuarial science" if you want to know more. But the bottom line is that a 60 year old with health insurance that covers maternity is only paying what the average 60 year old requires in maternity coverage, which has to be nothing or virtually nothing.

So these people aren't paying high premiums because the insurance company is ****ing them over with bull**** maternity and newborn care coverage. They're paying a very high premium because it is expensive as **** to take care of the average 60 year old. I get that the system needs fixing, I get that ObamaCare isn't perfect, but when you say such obviously stupid and false **** like this then it puts all of the real problems to the side and everyone has to then make sure that we can all agree to stick to reality before we even attempt to address the actual problems.
 
trouble13 said:
Comparitivily speaking between the system we used and the one we implimented, what great improvement has occurred to justify the enourmous increases people are being charged? Can anyone explain the argument without being hostils about it?

Sent from my SM-G920P using Tapatalk
Click to expand...

It's called, paying for those who are getting it for "free", and also paying for other's pre-existing conditions.
 
minnie616 said:
My husband and his brothers own a small business and have been self employed over 40 years now.

Our health insurance has been sky high for decades now.
They only started slowing down once the ACA was passed.
Many do not realize how much their employers were paying toward their cost of health insurance u til recently when their employers stopped paying the lions share of premiums.

As we older our health expenses increase and so does the cost of insurance.

I don't know what the answer is but I do know the cost of the medical equipment ( MRIs CAT scans , robotics , etc ) keep driving the costs of insurance up , but they have also saved a lot of people's life's.
Click to expand...

Gonna hafta call BS on that one.
 
ocean515 said:
I guess so. Just make sure you don't get promoted and start earning more money. Then the IRS comes back and says bend over, you have to pay back some or all of that subsidy.
Click to expand...

And don't forget the poor, who cannot afford insurance and are slapped with a big fine they can't afford either. Honestly, this blind support of this cluster is akin to a mental disorder. :roll:
 
roughdraft274 said:
Health insurance cost goes by what services people of that age typically use. Younger people are cheaper because they require far fewer specialists, trips to the doctor, fewer medications etc. I'm 31 and my insurance covers hospice. I'm not very likely to need hospice at 31. So I probably pay a very small amount for it. A 60 year old is more likely to need hospice, so they pay a bit more. An 80 year old probably pays alot for it because their chances of using it are so much higher than the 30 year old. So we get charged for what someone like us will actually use. As in "Our average 25 year old female spends this much on expenses related to having a baby, so we charge the average customer that amount". If literally no 60 year is using maternity care, then they really aren't being charged for it. The insurance companies don't just tally up everything your plan covers and then charges everyone the average of what the plan pays out. If they did that then old people wouldn't have to pay such higher premiums. Look up "Actuarial science" if you want to know more. But the bottom line is that a 60 year old with health insurance that covers maternity is only paying what the average 60 year old requires in maternity coverage, which has to be nothing or virtually nothing.

So these people aren't paying high premiums because the insurance company is ****ing them over with bull**** maternity and newborn care coverage. They're paying a very high premium because it is expensive as **** to take care of the average 60 year old. I get that the system needs fixing, I get that ObamaCare isn't perfect, but when you say such obviously stupid and false **** like this then it puts all of the real problems to the side and everyone has to then make sure that we can all agree to stick to reality before we even attempt to address the actual problems.
Click to expand...

Right, because maternity and newborn care are free. :roll:
 
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