Job status

[jfmu]

Welcome to the world of high deductible plans. Sounds like you probably got either a bronze or silver plan. If you wanted to pay a lot more per month you could lower your deductible or possibly even select a co-pay plan. But that's what the carriers offer, not specific to Obamacare.

That's not true that it had nothing to do with Obamacare. I'm self employed so I've always bought my own health insurance.

Prior to Obamacare I was paying (individually) $225 per month for a $500 deductible and that included dental.

After Obamacare I now pay slightly more  for a plan that has no dental and a high deductible ($5,000+)

[Jockey]

That's not true that it had nothing to do with Obamacare. I'm self employed so I've always bought my own health insurance.

Prior to Obamacare I was paying (individually) $225 per month for a $500 deductible and that included dental.

After Obamacare I now pay slightly more  for a plan that has no dental and a high deductible ($5,000+)

No offense intended, but I don't believe that.

[GooooMarquette]

Obamacare was a good step in the right direction, but low income people are still without decent routine and preventive care. The low-cost plans might have "affordable" monthly premiums, but huge deductibles and copays. The higher-tier plans make the deductibles and co-pays more reasonable, but many low income people can't afford the monthly premium.

As Jockey mentioned, it still helps if you suddenly need major care (the proverbial "if you get hit by a bus tomorrow" scenario), which is probably the biggest benefit for people who had previously been uninsured.

For the rest of us, the biggest benefit is the portability, which prohibits denial based on a pre-existing condition. And that is a huge deal.

The next version will need to be better to truly give low income people access to good health care.

[Hards Alumni]

I prefer country bumpkin.

Sorry, I assumed you were a suburban rube.

Because there is no overhead in government?

Government doesn't have to operate for profit.  Of course there is inefficiency in governments.  Do you want everyone to have healthcare?  Do you want to consider the US a developed nation?  Do you enjoy seeing people's lives ruined by medical bills?  Why would we pretend that we're the only country in the world that has this figured out?

[MU82]

Obamacare has a significantly higher approval rating than the president of the United States does.

https://www.realclearpolitics.com/epolls/other/president_trump_job_approval-6179.html

https://news.gallup.com/poll/287297/americans-approval-aca-holds-steady.aspx

https://www.kff.org/interactive/kff-health-tracking-poll-the-publics-views-on-the-aca/

When your goal is to repeal and replace it with something better, and you can't even get a simple majority of the repeal-and-replacers to agree on a replacement, it's hard to take you seriously. When your leader just wants to repeal it without replacing it -- leaving tens of millions of people with nothing, including protections for pre-existing conditions, and he does so during the middle of a global pandemic ... wow.

Obamacare is flawed. Do your jobs -- Improve it.

That's what Congress has done with flawed laws for centuries.

[TSmith34, Inc.]

Obamacare was a good step in the right direction, but low income people are still without decent routine and preventive care. The low-cost plans might have "affordable" monthly premiums, but huge deductibles and copays. The higher-tier plans make the deductibles and co-pays more reasonable, but many low income people can't afford the monthly premium.

As Jockey mentioned, it still helps if you suddenly need major care (the proverbial "if you get hit by a bus tomorrow" scenario), which is probably the biggest benefit for people who had previously been uninsured.

For the rest of us, the biggest benefit is the portability, which prohibits denial based on a pre-existing condition. And that is a huge deal.

The next version will need to be better to truly give low income people access to good health care.

In the d recent campaign add with Biden, Obama said that they always viewed Obamacare like a starter house, one that would be improved or upgraded over time. But instead of approving it, he likened the Republics efforts to repeal it as trying to bulldoze the starter house with no alternative place to live.

[rocky_warrior]

Hey guys... That's enough.

[jfmu]

No offense intended, but I don't believe that.

Seems par for the course for you. If you disagree or don't like something...just dismiss it.

It's absolutely true...

[pacearrow02]

Hey guys... That's enough.

Interesting you didn't shut this thread down but rather gave the ol' hand slap.

When it's conservatives veering off track and getting political on this board we don't quite get that same leniency.

[wadesworld]

Interesting you didn't shut this thread down but rather gave the ol' hand slap.

When it's conservatives veering off track and getting political on this board we don't quite get that same leniency.

Ah yes. The conservatives are treated so unfairly, always.

Does it get tiresome always being a martyr?

[#UnleashSean]

If you required even one minor surgery, that max 8000 would save you.

Those numbers you gave seem pretty normal. If you get insurance through an employer, the monthly co-pay can be $200-$300 a month and the other numbers would be fairly similar. Maybe a little lower depending on the generosity of your employer.

Medicare for seniors runs about the same. Coverage is a bit better.

Eh my new plan through work is...

40 per pay period, 1300 deductible, 4200 max, $25, $25, $15. I enjoy that one a lot more.

[#UnleashSean]

Obamacare was a good step in the right direction, but low income people are still without decent routine and preventive care. The low-cost plans might have "affordable" monthly premiums, but huge deductibles and copays. The higher-tier plans make the deductibles and co-pays more reasonable, but many low income people can't afford the monthly premium.

As Jockey mentioned, it still helps if you suddenly need major care (the proverbial "if you get hit by a bus tomorrow" scenario), which is probably the biggest benefit for people who had previously been uninsured.

For the rest of us, the biggest benefit is the portability, which prohibits denial based on a pre-existing condition. And that is a huge deal.

The next version will need to be better to truly give low income people access to good health care.

Isn't preventative care free by law through insurance?

[MU Fan in Connecticut]

Obamacare was a good step in the right direction, but low income people are still without decent routine and preventive care. The low-cost plans might have "affordable" monthly premiums, but huge deductibles and copays. The higher-tier plans make the deductibles and co-pays more reasonable, but many low income people can't afford the monthly premium.

As Jockey mentioned, it still helps if you suddenly need major care (the proverbial "if you get hit by a bus tomorrow" scenario), which is probably the biggest benefit for people who had previously been uninsured.

For the rest of us, the biggest benefit is the portability, which prohibits denial based on a pre-existing condition. And that is a huge deal.

The next version will need to be better to truly give low income people access to good health care.

The other part of ObamaCare was it stabilized the insurance cost at employers.  I was told by HR people at multiple places and experienced myself firsthand that the amount taken out of a paycheck was flat for 5 straight years.  An HR quote to me was " It goes up every year but not after ObamaCare implementation."

[MU82]

Interesting you didn't shut this thread down but rather gave the ol' hand slap.

When it's conservatives veering off track and getting political on this board we don't quite get that same leniency.

Rather than act like a wounded victim, you might want to check on the stuff guru has been spewing in the main COVID thread. Not only does it have nothing to do with COVID, but it is overtly political. And not only is it overtly political, but it resorts to name-calling of everybody who disagrees with his extreme-right viewpoints.

Many of us (from either "side") have received time-outs for far less.

And yet rocky is trying to engage him and reason with him. Patience of a saint.

[TSmith34, Inc.]

Eh my new plan through work is...

40 per pay period, 1300 deductible, 4200 max, $25, $25, $15. I enjoy that one a lot more.

Definitely, you'll often get a better deal through your employer thanks to group purchasing. But if you had to obtain insurance on your own w/o the subsidies through Obamacare you're going to pay full freight, which is extremely expensive.

[TSmith34, Inc.]

Interesting you didn't shut this thread down but rather gave the ol' hand slap.

When it's conservatives veering off track and getting political on this board we don't quite get that same leniency.

Victimization and "it's not what is said but who says it"? Check
Appeal to authority of random, outlier voices? Check
Rehashing of previous, disproven arguments? Check

What's up cheeks?

[tower912]

Guru isn't cheeks.

[Frenns Liquor Depot]

Guru isn't cheeks.

He didn't quote guru

[reinko]

Can't wait until we get single payor health care. Still get the best health care in the the world...and its free. That'll be the tits, hey?

In your version of this country can Muslims get equal access to healthcare?  Or are they considered "others"?

[tower912]

He didn't quote guru

Oops.

[4everwarriors]

Sure, anyone can get anything as long as you pay for it.

[reinko]

Sure, anyone can get anything as long as you pay for it.

Weird, because you posted an Islamophobic chain email on this site not long ago, so just wanted to make sure.

AMDG Doc

[Jockey]

Eh my new plan through work is...

40 per pay period, 1300 deductible, 4200 max, $25, $25, $15. I enjoy that one a lot more.

Good to hear, Unleash. Excellent plan and numbers look good.

Your co-pay at work is lower than most employer provided insurance. The numbers you give are more in line with the gold plan of Obamacare, which even with subsidy may have cost you $400 a month or more.

[GooooMarquette]

Isn't preventative care free by law through insurance?

Yes and no - a very specifically defined set of 'Preventive Services' are covered by law...but the range of services is much narrower than most physicians recommend, and doesn't give docs discretion to add much of anything based on family history and such. Better than before, but not as good as you would be expecting if you have had good coverage in the past.

I suspect the definition was the result of compromises to get it passed. A step in the right direction, but hopefully not the last step.

[MarquetteDano]

Seems par for the course for you. If you disagree or don't like something...just dismiss it.

It's absolutely true...

Have you past a 5 year milestone (25, 30, 35) since then? Because premiums go up with age of course you pay more. Am I missing something?

I have been self employed for 20 years and my premiums are 4 times what they were 20 years ago.