Can someone explain this Obamacare shit to me?
- Thread starter potentialeight
- Start date
I don't think you're using the site correctly. I entered a peasantly income of only $40k, age 25, and with Huntington Beach as the zip code.
These are the CHEAPEST rates. Not even close to $30/month.
You're also forgetting to add that a lot of those are going to be something along the lines of $3500 annual deductible with 20% coinsurance to X amount.
Don't forget these insurances have high co insurance co pays and deductible's. Also read the fine print's, some of the procedures and dx codes might not be covered.
If anyone wants to go this route and be exempt from the mandates in the healthcare reform law:
Medi-Share - Healthcare Reform exemption
My family of 4 is $135 per month. If you're solo, can probably get $60-70 per month.
10k deductible on the plan I chose, and no preventatives.. but what peasant change do I spend per year on doc visits/shots for kids.. $300-500 max? Even if it was 2 grand, which it's not, I would still save several thousand dollars.
EDIT: Some of you gay webmasters might be mad though, cause your money won't go to paying for transgender operations or abortions
Medi-Share - Healthcare Reform exemption
My family of 4 is $135 per month. If you're solo, can probably get $60-70 per month.
10k deductible on the plan I chose, and no preventatives.. but what peasant change do I spend per year on doc visits/shots for kids.. $300-500 max? Even if it was 2 grand, which it's not, I would still save several thousand dollars.
EDIT: Some of you gay webmasters might be mad though, cause your money won't go to paying for transgender operations or abortions
Fines and whatnot:
Those fines are horrible. 2.5% of my income just because I don't want to buy one of your crap insurance plans? So frustrating.
The insane thing is that you can be forced to buy something and taxed on it. Historically, taxes were based upon your free choice to either purchase something or earn something (i.e., you could sit at home and do nothing and avoid tax). Now, you do nothing and get taxed anyway! The US Supreme Court blew it when they validated this law for that reason alone IMO. Chaps my hide...
Also, for the self-employed and those who are employers here, this article may be helpful:
More Obamacare Questions From Employers and the Self-Employed - Businessweek
Ha! The cheapest plan available for me has a $5000 deductible! My current plan has the same deductible but it's $1300 cheaper a year!
My provider already dropped my old plan. My new plan costs more monthly, covers less, and has a new $6000 annual deductible.
Barack Obama said:
Barack Obama said:
Barack Obama said:
Health care tax credits means the government gives you back money to help buy the insurance it forces you to buy, making you the middle man in your health care. Putting aside politics, doesn't that seem, uh, fucking stupid?
Moving back to the angry isle, the money the government gives you back, they stole from you under duress originally.
So in essence you've been robbed, with a portion of what was stolen returned to you, on the condition that you give what's been returned to a friend of the thug who robbed you, plus an additional 80%.
Moving back to the angry isle, the money the government gives you back, they stole from you under duress originally.
So in essence you've been robbed, with a portion of what was stolen returned to you, on the condition that you give what's been returned to a friend of the thug who robbed you, plus an additional 80%.
I don't think Obama understands how the health coverage and health insurance works all together, he thought all the coverage is the same as his health care coverage as the presidente
Didn't read any of the replies in this thread, but the Affordable Care Act ("Obamacare") has the following primary rules that begin today:
1. States must offer free market health insurance exchanges that are available to individuals who wish to purchase coverage (this insurance is market driven, not fed funded).
2. Dependents may now stay on a parent's health insurance plan until the age of 26.
3. Health insurance companies may no longer use pre-existing conditions to deny health insurance.
4. Individuals who do not apply for coverage will be subject to a ~$100 / year penalty. Why? Because it is primarily these individuals who drive up the cost of health insurance for everyone else.
Sounds terrible, doesn't it
........
When polled on each of the above, the vast majority of Americans support each of those things.
When polled on Obamacare, everyone hates it.
Amurrica.
1. States must offer free market health insurance exchanges that are available to individuals who wish to purchase coverage (this insurance is market driven, not fed funded).
2. Dependents may now stay on a parent's health insurance plan until the age of 26.
3. Health insurance companies may no longer use pre-existing conditions to deny health insurance.
4. Individuals who do not apply for coverage will be subject to a ~$100 / year penalty. Why? Because it is primarily these individuals who drive up the cost of health insurance for everyone else.
Sounds terrible, doesn't it
........
When polled on each of the above, the vast majority of Americans support each of those things.
When polled on Obamacare, everyone hates it.
Amurrica.
It is health insurance, not a discount healthcare payment plan.
Can you buy full coverage car insurance after the vehicle has already been crashed, then expect the insurance company to cover the repair?
Hypothetical situation ( Not trying to be an ass)
What if you finish university start looking for a job (You don't have insurance yet), then you get cancer? You pay out of pocket for treatment, but what happens if you don't have the money?
Lets say you beat the cancer, and get a job. How much will you pay for insurance ( You're a 27 year old male, healthy non smoker, but you had cancer). Will the insurance companies deny you if you had cancer or make your bill really high?
I'm curious, not trying to a prick.
What if you finish university start looking for a job (You don't have insurance yet), then you get cancer? You pay out of pocket for treatment, but what happens if you don't have the money?
Lets say you beat the cancer, and get a job. How much will you pay for insurance ( You're a 27 year old male, healthy non smoker, but you had cancer). Will the insurance companies deny you if you had cancer or make your bill really high?
I'm curious, not trying to a prick.
Exactly. The deductible is one thing, but the fact that most of the policies are coinsurance is what makes them even worse.
"States" & "free market" mentioned within 2 words of each other. :/
My wife was denied health insurance due to a relatively harmless pre-existing condition known as Raynaud's, so I know all about that first hand.
But it's worth understanding that because health insurance is so insanely expensive under our current system (due to government regulation), these private businesses (insurance companies) don't want to take a risk that could make them unprofitable.
The solution is to get rid of the insane gov. regulation in healthcare.
It's like $100 the first year.. Then it escalates very quickly for the years after.
Yeah, it actually does.
You're not an ass, nor a prick. You're a fucking retard.
Did you read any bit of this thread before chiming in?
The day you find out you have cancer, buy the insurance. They can't deny you. What part of that didn't you get?
Jeebus.
This isn't true. North Carolina, for example, passed legislation that they would not be offering a health insurance exchange.
Also, the tax for not being insured is much higher than you mentioned, and (like most/all taxes) it's just another example of extortion.
Or if 1 percent is greater, it would be $500/first year for $50,000/year income. Sorta different.