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Obamacare: Is a $2,000 deductible 'affordable?'

Erod

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Obamacare: Is a $2,000 deductible 'affordable?' - Jun. 13, 2013

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Participants may have different views on whether Obamacare plans are affordable.

States are starting to roll out details about the exchanges, providing a look at just how affordable coverage under the Affordable Care Act will be. Some potential participants may be surprised at the figures: $2,000 deductibles, $45 primary care visit co-pays, and $250 emergency room tabs.

Those are just some of the charges enrollees will incur in a silver-level plan in California, which recently unveiled an overview of the benefits and charges associated with its exchange. That's on top of the $321 average monthly premium.

So when does the "Affordable" part of the Affordable Care Act kick in? High deductibles and high co-pays were not what Obama sold us.
 
Ironically, that would be more expensive for the individual holders than my high deductible policy that is no longer allowed to be issued.
 
So, to put it in perspective, an average healthy person who sees the doctor twice a year will pay.... $1,500 per visit. Bargain!

Or just shell out the penalty and pocket the difference.
 
So, to put it in perspective, an average healthy person who sees the doctor twice a year will pay.... $1,500 per visit. Bargain!

Or just shell out the penalty and pocket the difference.

I think you're missing the entire concept of health insurance.
 
So, to put it in perspective, an average healthy person who sees the doctor twice a year will pay.... $1,500 per visit. Bargain!

Or just shell out the penalty and pocket the difference.

It's insurance. You can't just look at a single year and say "see you're over paying!" Because then you overlook that one year where you needed emergency surgery with a short stay in the ICU, where you shelled out a few thousand but didn't have to pay the other hundred thousand dollars of your bill. Do you really not understand that or are you being intentionally thick headed?
 
It's insurance. You can't just look at a single year and say "see you're over paying!" Because then you overlook that one year where you needed emergency surgery with a short stay in the ICU, where you shelled out a few thousand but didn't have to pay the other hundred thousand dollars of your bill. Do you really not understand that or are you being intentionally thick headed?

So you are admitting that this obamasurance is worthless unless you have a major illness.
 
medicare for all would have been so much better than this. by the time they dropped the public option from consideration, i was hoping that the bill would be defeated.
 
If this law wasn't so horrible, not to mention unconstitutional, it would almost be funny. Couple this with the hoards of illegals (soon to be legal democrats) that will get health care for free, and you can watch the USA become Greece in a matter of months, if not weeks.
 
So you are admitting that this obamasurance is worthless unless you have a major illness.

I didn't say anything like that. Merely saying that you pay more than you take on years that you aren't sick. That's the truth for any health insurance that you have now or after obamacare.
 
I didn't say anything like that. Merely saying that you pay more than you take on years that you aren't sick. That's the truth for any health insurance that you have now or after obamacare.

Obama care takes choice away. Some people preferred a low deductible and frequent doc visits.
 
Obamacare: Is a $2,000 deductible 'affordable?' - Jun. 13, 2013

So when does the "Affordable" part of the Affordable Care Act kick in? High deductibles and high co-pays were not what Obama sold us.

Do you know what that policy would cost today?? (This "average" means absolutely nothing. Healthcare insurance premiums are based on age.) Before signing up for Illinois' subsidized ICHIP program, I paid $850 a month for a $5,200 deductible policy. The rate you've listed here looks cheap. (Illinois' subsidized ICHIP program premium is $670 a month for the same deductible.)

Combine what I consider to be reasonable rates with the fact that people who've heretofore been unable tobuy health insurance because of pre-existing conditions, and I don't think these rates are bad at all.

Without a comparison to "before," your "after" is meaningless.
 
I like my 3k/year deductable + HSA plan. my Premium is about 110 a month for family coverage. I also get quarterly rebates of 150/person
 
Obama care takes choice away. Some people preferred a low deductible and frequent doc visits.

It expands choice. Do you even get how the exchanges work? It's basically an online site that you can go to, fill out your info, and all the insurance companies in your state will show you comparable plans that have the same coverage levels, along with a clear price. What that does is allow clear price comparisons and clear coverage options. You don't have that now. You have to contact every company individually, compare the coverage of random plans, and with how they word stuff you'd practically have to hire a lawyer to know what's really covered. And that's what your side doesn't get. Obama care uses common sense strategies to make the insurance companies compete for your business. Is it the absolute best option? Probably not. But it has things that make sense and will fix certain problems.
 
So you are admitting that this obamasurance is worthless unless you have a major illness.

Just what in the **** do you think your insurance does now?
 
It expands choice. Do you even get how the exchanges work? It's basically an online site that you can go to, fill out your info, and all the insurance companies in your state will show you comparable plans that have the same coverage levels, along with a clear price. What that does is allow clear price comparisons and clear coverage options. You don't have that now. You have to contact every company individually, compare the coverage of random plans, and with how they word stuff you'd practically have to hire a lawyer to know what's really covered. And that's what your side doesn't get. Obama care uses common sense strategies to make the insurance companies compete for your business. Is it the absolute best option? Probably not. But it has things that make sense and will fix certain problems.

This is what the self employed do today. My storyboard artist friend found that after all of the digging, the highest deductable plan made the best economic sense since it covered the catastrophic things he couldn't pay for while requiring him to pay the least on premiums and office visits.

My wife's employer, whom the insurance is through, offers a plan comparison that allows you to enter hypothetical situations or needs( office visits, preventative care, hospital stays, cancer treatments, etc ), and no matter how we sliced it, the high deductible plan equated to the cheapest.
 
The point is obamacare will force people off plans they had and liked, the so called Cadillac plans.
Huh? If the insurance companies still offer those plans, how are people being "forced" out of them?
 
It expands choice. Do you even get how the exchanges work? It's basically an online site that you can go to, fill out your info, and all the insurance companies in your state will show you comparable plans that have the same coverage levels, along with a clear price. What that does is allow clear price comparisons and clear coverage options. You don't have that now. You have to contact every company individually, compare the coverage of random plans, and with how they word stuff you'd practically have to hire a lawyer to know what's really covered. And that's what your side doesn't get. Obama care uses common sense strategies to make the insurance companies compete for your business. Is it the absolute best option? Probably not. But it has things that make sense and will fix certain problems.

You are limited to a couple of plans your state offers with Obama care.
 
Huh? If the insurance companies still offer those plans, how are people being "forced" out of them?

He said *will* be forced out, which I would think would be ~2017-8 when the excise tax kicks in. Or if employers determine that offering those plans isn't cost effective(i.e. pay the penalty)
 
You are limited to a couple of plans your state offers with Obama care.

Only if your on the exchanges. And even then, that's better than it is before, where you have plenty of plans but you have very little knowledge of what's covered and you can't compare and contrast plans very easily.
 
Only if your on the exchanges. And even then, that's better than it is before, where you have plenty of plans but you have very little knowledge of what's covered and you can't compare and contrast plans very easily.

I have looked into what Washington state is offering since I am retiring there and the choices are very limited. Having said that I am going to make out like a bandit on this new insurance. My semi retirement income is very low so my annual insurance cost that I had 12 k budgeted for will drop to around $2,400.00. Great for me but young people in their earning years will pay more for their insurance to pay for mine.
 
This is a great example of how most people like what is actually in Obamacare, Conservatives included. But hate Obamacare because of the fear mongering lies that have been volleyed at them non stop for the past few years.
 
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