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

sangha said:
I'm still wondering what the maximum deductible is for people with no insurance
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And that would matter how if they can't come up with the deductible either way?
 
Grim17 said:
No, it's a lie because it meets the definition of a lie in the English dictionary... The president was told 3 years ago that it was a lie, and he chose to continue repeating it.
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not what we are talking about but whatever.
 
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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Even though I really hate the way that health care reform has happened in this country, handing all of America to the corporations basically, I am still happy to see that cheaper plans are being made available to young people. They are the future of this nation and should not be made to take out a mortgage in order to get treatment before they even start their working class lives.

I just wish the HMOs and the bloated medical bureaucracy that increases prices to obscene levels seen nowhere else was actually addressed.
 
So if I paid 50 bucks a month for this crap insurance (which the overwhelming majority will not qualify for anyway) and I need 80k worth of surgery, am I lucky? Now I just owe 32K instead of 80K. Wow Obama, thanks for sparing me a huge medical bill.

Glad you took away my choice here. It was so worth it, making me file for bankruptcy for a 32K bill instead of an 80K one. I am so lucky he is my president.
 
Fisher said:
How many of these folks can afford the $5K deductible and $60 co pays for the "free" annual services?
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I will be paying $56.00 per month for my policy, which includes 5 dollar copays for doctors' visits, 15 dollar copays for specialists, 5 dollar copays for generic drugs, and 30 dollar copays for drugs not on the generic list. In the worst case, out of pocket expenses for any treatment for illness cannot exceed 3,000 dollars. Since my wife's medicine normally runs 1,400 bucks a month, that is quite a savings. To be honest, though, my wife was getting her Zyprexa through a special program through Eli Lilly, in which the drugs were free. However, the generic version of that drug just came out, and although it's substantially less, it's still quite a bit. Eli Lilly has dropped Zyprexa from the list of drugs it gives out free of charge to those who cannot normally afford it, because there is now a generic replacement for it.

The plan that I ordered is the Humana Silver Plan that is offered in Texas. Am thinking about upgrading that to a Humana Platinum Plan, which will only cost me 20 bucks more per month, but has zero copays, and only a thousand maximum out of pocket expenses for any illness. In total, there are 46 different plans available for Harris County, Texas, which includes Houston. Some even include dental. These are available through the Federal Health Care Insurance Exchange.

BTW, I got my insurance through the Federal Health Insurance Exchange. The web site did not work for me, so I called the toll free number on the site, and got through in minutes. The whole process took about 2 hours on the phone. Bottom line here is that the ACA is not just a web site.
 
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joG said:
From what I am reading ACA has a larger problem than than a crashed web site. I think it should be withdrawn and reworked.
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There is no “reworked”. You cannot make a silk purse out of a pig's ear. The only rational thing to do with the ObamaCare scam is to repeal it completely, and start over from scratch. The ObamaCare scam cannot be fixed. It cannot be made workable, and it cannot be made non-scammy.
 
TheDemSocialist said:
You do realize under the Hatch act its illegal to do that correct?
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An administration that is willing to openly violate the Constitution—the very highest law of the land—what makes you think that it would not just as willingly violate any lesser law which it sees as an obstacle to its corrupt agenda?
 
danarhea said:
I will be paying $56.00 per month for my policy, which includes 5 dollar copays for doctors' visits, 15 dollar copays for specialists, 5 dollar copays for generic drugs, and 30 dollar copays for drugs not on the generic list. In the worst case, out of pocket expenses for any treatment for illness cannot exceed 3,000 dollars. Since my wife's medicine normally runs 1,400 bucks a month, that is quite a savings. To be honest, though, my wife was getting her Zyprexa through a special program through Eli Lilly, in which the drugs were free. However, the generic version of that drug just came out, and although it's substantially less, it's still quite a bit. Eli Lilly has dropped Zyprexa from the list of drugs it gives out free of charge to those who cannot normally afford it, because there is now a generic replacement for it.
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So really, you're not going to be paying your way at all. You'll be paying only a small fraction of your total medical costs, with other people who are being forced to pay many times their medical costs in order to help pay for yours as well.

If I were in that position, it is certainly not something about which I would boast. I would be ashamed, in fact.

Perhaps that is the real problem with society, today, compared to when I grew up, of which the ObamaCare scam is merely a symptom. There is too little value placed, today, on carrying one's own load, and too little stigma on being a net-parasite who takes more out of society than one gives back to it.
 
Bob Blaylock said:
There is no “reworked”. You cannot make a silk purse out of a pig's ear. The only rational thing to do with the ObamaCare scam is to repeal it completely, and start over from scratch. The ObamaCare scam cannot be fixed. It cannot be made workable, and it cannot be made non-scammy.
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I will grant you this. I would not have the faintest idea where to begin. Oh yes, another thing. It does seem a pig's ear.
 
sangha said:
I wonder what the deductible and out of pocket costs are for people who have no insurance?

Hmmmm.
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Well, the premium is 0.00, its a 0.00 deductible. They are only paying for what they use, so unless they need something, their out of pocket is 0.00. When they do need something, costs are extremely discounted.

And then, the best part, is they can buy insurance when they get something that they need.

All 100% possible, and the most likely outcome, all thanks to the ACA.

:party
 
Northern Light said:
Even though I really hate the way that health care reform has happened in this country, handing all of America to the corporations basically, I am still happy to see that cheaper plans are being made available to young people. They are the future of this nation and should not be made to take out a mortgage in order to get treatment before they even start their working class lives.

I just wish the HMOs and the bloated medical bureaucracy that increases prices to obscene levels seen nowhere else was actually addressed.
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They aren't cheaper plans. It's just that other people are paying for them. They are "cheap" in the same way that the iPhone mommy and daddy bought them is "free".
 
sangha said:
I wonder what the deductible and out of pocket costs are for people who have no insurance?

Hmmmm.
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Likely 'the deductible and out of pocket costs' are the net worth of these people. Given that the 18-34yo group has very little they can discharge exorbitant medical expenses through bankruptcy as many did college loans prior to GWB, nominal expenses can typically be put on payment plans. And as the stigma associated with personal bankruptcy has ebbed this is no longer much of a setback especially considering their age.
 
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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I don't know if this has been addressed yet in the thread so I am going to address the OP directly, if it has been addressed already pardon me.

DS, you left out the very next sentence of the USA Today piece, obviously written to cover for the administration, but none the less anyone who has been around young people know fully well...

That sentence was:

"About 1.9 million of uninsured young people in those 34 states, the study showed, could pay $100 a month or less for health insurance with the tax credits."

Now, first things first. "Tax credits" implies that those buying the plans will pay the premiums up front, then when they file their taxes there will be a formula to asses the tax credit due. So, let's say that their premium is $225. per month, or $2700. per year. And they make about $22K per year*.... Now that breaks down to give or take $340 per week take home, after taxes.

Now, if I have the general opening of my theory correct, and the tax credit doesn't take place until the end of the year with filing taxes, that means that $225. comes right off the top of a monthly income of +/- $1360. cash in pocket, leaving our young person with $1135.

Keep in mind that if our young person lives on their own, they have to pay for their living expenses. I went on citydata, and did a little research recently, because I have a niece that has been staying with us that is moving out this weekend into her own place, so I know the expenses involved real time. Let me lay them out for you....


Rent = $575
Electric = $75 **
Phone = $70
Car Insurance = $125
Groceries and incidentals = $280

Sub total = $1130

As you can see here this budget with paying the $225 per month premium means that our young person can not afford gas to get to work, and any other things that may be necessary to what most of us take for granted.

With the choice between paying up front enough to break their budgets, or wait until the end of the year, and take the $95 hit, the choice is clear.

Keep in mind also that this doesn't take into account that should they wind up in a hospital, with O-care, under the Bronze plan their likely deductible will be $5000. They might as well not have insurance.

*The $22K figure is my own estimate, not in any way taken from anything other than my own observations.

**The $75 for monthly electric bill is an estimate give me in our area by Duke Energy for a typical one bedroom apartment, and depends on actual usage.
 
Samhain said:
Well, the premium is 0.00, its a 0.00 deductible. They are only paying for what they use, so unless they need something, their out of pocket is 0.00. When they do need something, costs are extremely discounted.

And then, the best part, is they can buy insurance when they get something that they need.

All 100% possible, and the most likely outcome, all thanks to the ACA.

:party
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And if they need more health care than they can afford, the moochers get to dump their expenses on everyone else!!!

What could go wrong with that? :shrug:

Dickieboy said:
Likely 'the deductible and out of pocket costs' are the net worth of these people. Given that the 18-34yo group has very little they can discharge exorbitant medical expenses through bankruptcy as many did college loans prior to GWB, nominal expenses can typically be put on payment plans. And as the stigma associated with personal bankruptcy has ebbed this is no longer much of a setback especially considering their age.
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see above
 
sangha said:
And if they need more health care than they can afford, the moochers get to dump their expenses on everyone else!!!

What could go wrong with that? :shrug:





see above
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Why does a 58 year old couple need maternity care?
 
j-mac said:
Why does a 58 year old couple need maternity care?
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Every insurance policy covers thousands of various medical conditions.

The insured person will never use the coverage for 99.9999% of them
 
sangha said:
Every insurance policy covers thousands of various medical conditions.

The insured person will never use the coverage for 99.9999% of them
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That's not what I asked. Can you answer the question?
 
sangha said:
My response answers the question. If you don't understand it, that's not my fault
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No sir, my question asks a specific question, your response deflects by giving a general answer.
 
Fisher said:
How many of these folks can afford the $5K deductible and $60 co pays for the "free" annual services?
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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.
 
j-mac said:
Why does a 58 year old couple need maternity care?
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They don't. That's why they don't pay for it. Even though their plan covers it. My wife and I are covered under the exact same insurance plan. It covers the exact same procedures in every single way. Yet my insurance costs alot less. And thats because the insurance company, even though if I got pregnant would be required to cover the expense, they know that's not going to happen so I don't get charged for it. And the people at my office that have the same insurance policy get a reduction for their wives once they reach a certain age because they are no longer determined to be in the "Child birthing age". So even though their insurance covers it, they don't get charged for it, or at least don't get charged nearly as much for it, because it's extremely unlikely that they will use it.

That's why not everyone pays the same for insurance J. The insurance companies get your age and determine if you are likely to be needing such a service before charging you for it.

If you knew anything about insurance you'd know that. This is nothing new. This has been around long before ObamaCare. At no point did they have separate plans for old people, men, women, and younger people. You signed up for a plan, and they charged you based on how likely it was that you would use the services.
 
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