What will you do now that the ACA sign up has started?[W:44]

Re: What will you do now that the ACA sign up has started?

Ockham said:

Under normal circumstances perhaps, however Autism according to the National Autism Association and the CDC is considered a disability.
Autism Fact Sheet - National Autism Association

There are state laws that govern autism so depending on what state your family member resides, there still may be coverage available.
Autism and Insurance Coverage State Laws


The chances are much higher there is some type of coverage available for those with autism than not.

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Coverage for autism is different than physically obtaining an insurance policy.

BTW, the pre-existing condition had nothing to do with Aspergers. Sorry if I did not make that clear.

One of the struggles for this individual is whether to be labeled or not. Throughout high school he had varying degrees of assistance through IEP, but the route he is taking (slow but sure) is really working for him (no assistance just a slower path)

Re: What will you do now that the ACA sign up has started?

Redress said:

Your poll is fatally flawed. You do not "switch to ACA", you have the option of going to an exchange of shopping for insurance from insurance companies. When your whole poll is premised on a lie, that is kinda sad.

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I believe you are in error. We currently have individual health insurance plans, wife and I. BCBS indicated that our plans do not comply with PPACA hence they will be discontinued forcing us to get another plan. It is our intention to shop both on the exchange AND private market to get the best value. Considering this we COULD "switch to ACA" if the plan is comprehensive, current doctors/facilities are participating and rates are competitive.

Please point out if I misunderstood your assertion...thx

Re: What will you do now that the ACA sign up has started?

Dickieboy said:

I believe you are in error. We currently have individual health insurance plans, wife and I. BCBS indicated that our plans do not comply with PPACA hence they will be discontinued forcing us to get another plan. It is our intention to shop both on the exchange AND private market to get the best value. Considering this we COULD "switch to ACA" if the plan is comprehensive, current doctors/facilities are participating and rates are competitive.

Please point out if I misunderstood your assertion...thx

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The ACA is not insurance. The exchange does not offer insurance. The exchange gathers private insurance companies and combines them on a site for you to shop from.

Re: What will you do now that the ACA sign up has started?

Redress said:

The ACA is not insurance. The exchange does not offer insurance. The exchange gathers private insurance companies and combines them on a site for you to shop from.

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You're correct semantically. Are subsidies available OUTSIDE the exchange? Presumably no, see the difference? Ergo the 'switch'.

Re: What will you do now that the ACA sign up has started?

Dickieboy said:

You're correct semantically. Are subsidies available OUTSIDE the exchange? Presumably no, see the difference? Ergo the 'switch'.

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Subsidies are not insurance, much like I can buy lunch with money, but money is not lunch. When you have to twist the language into a pretzel to make a point, it has failed. The OP is based on a lie in order to push the vote the way he wants it.

Re: What will you do now that the ACA sign up has started?

Redress said:

Subsidies are not insurance, much like I can buy lunch with money, but money is not lunch. When you have to twist the language into a pretzel to make a point, it has failed. The OP is based on a lie in order to push the vote the way he wants it.

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So perhaps the OP would have been correct if he stated 'switch to insurance offered in the ACA exchange'?

Re: What will you do now that the ACA sign up has started?

Thankfully for at least the next 4 years my company health insurance is GUARANTEED to remain as it is by the Union Contract that I work under. I don't doubt that at some point I'm going to have to start paying taxes on the value of that plan, which just means I'll have to find other ways to reduce my tax burden.

If/when that plan is removed in January, 2018 I will NOT join an ACA plan. I will instead go without insurance and pay their fine, again after finding other ways to reduce my tax burden to compensate.

Re: What will you do now that the ACA sign up has started?

It's such a wonderful thing that...

Wonkblog Can't Find Anybody Who Has Signed Up for Obamacare on Healthcare.gov | National Review Online

Re: What will you do now that the ACA sign up has started?

Dickieboy said:

So perhaps the OP would have been correct if he stated 'switch to insurance offered in the ACA exchange'?

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Yes, and the point bears mentioning that in the ACA, one of the good things to come out of it are the exchanges. They cost the government almost no money(subsidies are another part of the ACA, but insurance bought through the exchange may qualify for subsidies), put information in an easy to find place, easy to compare, and plans range from very cheap and basic, to very expensive, with a wide range of possible options. Some have complained that the lowest cost insurance through the exchanges is pretty poor(it is), but if you do not have insurance and that is all you can afford, it is still a whole lot better than nothing. There are a number of things wrong with ACA, but the exchanges to my mind are not one of those things.

Re: What will you do now that the ACA sign up has started?

Baralis said:

I currently have no insurance and I will not be participating in the ACA nor paying my fine. I will pay my taxes just as I always have but will skip the additional ACA fine. I refuse to participate purely on principle and if they want to jail me for a small fine then that is their choice but I think it a foolish one. A few days in jail would cost the government much more then my measly fine would gain them.

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I'm a firm believer in civil disobedience. I am also a firm believer in "pick your battles wisely". I understand your sentiment, but this would not be a fight worth jail time for me.

cpwill said:

That's interesting you say that. I cannot think of a single veteran buddy of mine who does not have a list of complaints against the VA the size of your arm.

I will be changing jobs in the near future. If the new job offers insurance, we'll go with that. If not, we'll have to buy our own.

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My VA health system experience is limited, and many years ago, but my experiences have been overall positive.

I have heard the horror stories as well, though.

Re: What will you do now that the ACA sign up has started?

Hmm...

I don't have healthcare.
And I probably won't get any until and unless whoever enforces this starts threatening me.

Re: What will you do now that the ACA sign up has started?

I don't want nor need insurance.

I won't accept the mark of the beast.

And I won't pay the fine.

"Give me liberty or give me death."

Re: What will you do now that the ACA sign up has started?

Redress said:

Yes, and the point bears mentioning that in the ACA, one of the good things to come out of it are the exchanges. They cost the government almost no money(subsidies are another part of the ACA, but insurance bought through the exchange may qualify for subsidies), put information in an easy to find place, easy to compare, and plans range from very cheap and basic, to very expensive, with a wide range of possible options. Some have complained that the lowest cost insurance through the exchanges is pretty poor(it is), but if you do not have insurance and that is all you can afford, it is still a whole lot better than nothing. There are a number of things wrong with ACA, but the exchanges to my mind are not one of those things.

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I agree with that, and I think most conservatives would too, since exchanges were our idea. What wasn't our idea is all the mandates required to get on the exchanges. The idea was that ANY insurance could be on the exchange and consumers could shop and compare and make the ultimate decision themselves. What makes ACA not conservative is that the government decides what is acceptable insurance.

Re: What will you do now that the ACA sign up has started?

274ina said:

The rates went up becasue of CEO care. Obamcare is NOT LAW YET. Jan 1 -2014 it is.

When you sign up for the ACA you will pay $30 to $100 month for insurance............

Only thing needing replacement is all your lies.

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My lies? I went through and did the calculator. I'd pay over $658 a month in the exchange. I pay $320 a month now. I used to pay $99 a month. I used to get (through my employer) $20 copay and a $1500 ded. Now, it is a $40 copay and $3000 ded. I used to have dental, now I don't. All those changes were made to bring our insurance in compliance with the ACA. We had to add all those "free" well visits. So, that meant cutting back on copays and the deductible while raising the employee AND employer contribution.

The ACA failed. It failed miserably and it isn't even in full effect yet.

Subsidy Calculator | The Henry J. Kaiser Family Foundation

Re: What will you do now that the ACA sign up has started?

ksu_aviator said:

My lies? I went through and did the calculator. I'd pay over $658 a month in the exchange. I pay $320 a month now. I used to pay $99 a month. I used to get (through my employer) $20 copay and a $1500 ded. Now, it is a $40 copay and $3000 ded. I used to have dental, now I don't. All those changes were made to bring our insurance in compliance with the ACA. We had to add all those "free" well visits. So, that meant cutting back on copays and the deductible while raising the employee AND employer contribution.

The ACA failed. It failed miserably and it isn't even in full effect yet.

Subsidy Calculator | The Henry J. Kaiser Family Foundation

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I'm not alone: One man's ObamaCare nightmare | Fox News

Re: What will you do now that the ACA sign up has started?

Unitedwestand13 said:

Fyi i have a diagnosed disability, and come from a middle class family. my mom is a lawyer, my dad is a engineering geologist, my sister is currently attending occidental college, and i plan on enrolling in San Jose state.

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I think one of many misconceptions people have is just because you're under 26 and remain on your parent's group plan, you're not getting "free" health insurance. What's happening is your parents continue to pay more to have you and your sister on their insurance under more expensive family plans. Because of this, other people with your family's provider are paying less.

PS. I'm of the opinion many if not most people who are against Obamacare are really just against Obama.

PPS. I don't like a lot of how the ACA is structured but its an improvement over 30 million people with no health coverage who inevitably will show up at the ER to get treated for free, the costs of which will be passed on to the insured at the most expensive place to get medical treatment and often after their condition has progressed where their quality of life has greatly diminished and the cost to treat them is through the roof.

I have a buddy who never had a job that offered insurance, working in outside sales. He probably hadn't had a regular doctor visit since his last high school physical in 12th grade. 15 years later he gets rushed to the ER (without insurance) after passing out. Turned out he had advance stages of type 2 diabetes that could have been easily and inexpensively treated if he had an affordable policy the HE paid the for that allowed him to see the doctor every year. Today he can no longer work, is 70% blind, has an amputated leg and lives at an assisted living home all at taxpayer expense.

Re: What will you do now that the ACA sign up has started?

ksu_aviator said:

My lies? I went through and did the calculator. I'd pay over $658 a month in the exchange. I pay $320 a month now. I used to pay $99 a month. I used to get (through my employer) $20 copay and a $1500 ded. Now, it is a $40 copay and $3000 ded. I used to have dental, now I don't. All those changes were made to bring our insurance in compliance with the ACA. We had to add all those "free" well visits. So, that meant cutting back on copays and the deductible while raising the employee AND employer contribution.

The ACA failed. It failed miserably and it isn't even in full effect yet.

Subsidy Calculator | The Henry J. Kaiser Family Foundation

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you were paying $320 month for fake insurance.

Now its real insurance and your rich, so screw you pay the $658 with no subsidy. I get the same thing for $30 month.

Re: What will you do now that the ACA sign up has started?

274ina said:

you were paying $320 month for fake insurance.

Now its real insurance and your rich, so screw you pay the $658 with no subsidy. I get the same thing for $30 month.

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Yeah, screw him! You can't get a better sales pitch than that.

Re: What will you do now that the ACA sign up has started?

Tothian said:

I don't want nor need insurance.

I won't accept the mark of the beast.

And I won't pay the fine.

"Give me liberty or give me death."

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That is what everyone should say. The best part is they claim they aren't forcing people to buy insurance. Right, right, you mean other than fining them if they don't comply. Other than doing everything in their power to make others do as they desire nothing is going on. :lamo

Re: What will you do now that the ACA sign up has started?

I'm keeping my insurance. ACA is for ideologues and suckers.

Re: What will you do now that the ACA sign up has started?

Surtr said:

I'm keeping my insurance. ACA is for ideologues and suckers.

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Since you have insurance that you like, ACA doesn't want you either.

Re: What will you do now that the ACA sign up has started?

year2late said:

Since you have insurance that you like, ACA doesn't want you either.

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Please do go on about how I should want inferior healthcare that couldn't possibly measure up to what I already have? It's a sub par product churned out by the government; you'd be in better hands under an HMO.

Re: What will you do now that the ACA sign up has started?

274ina said:

you were paying $320 month for fake insurance.

Now its real insurance and your rich, so screw you pay the $658 with no subsidy. I get the same thing for $30 month.

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Insurance is real if the customer is happy with it. The government added a ton of mandates on insurers, most of them politically motivated rather than in the interests of people's actual needs.

Re: What will you do now that the ACA sign up has started?

Henrin said:

That is what everyone should say. The best part is they claim they aren't forcing people to buy insurance. Right, right, you mean other than fining them if they don't comply. Other than doing everything in their power to make others do as they desire nothing is going on. :lamo

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Actually, it's not a fine or penalty, it's just a tax. A tax which is uncollectable, according to the law. So no, you don't actually have to pay it. All the IRS can do is send you nasty letters that threaten very serious nasty letters in the future.

Re: What will you do now that the ACA sign up has started?

francois60 said:

Insurance is real if the customer is happy with it.

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Insurance is real if it exists.