is it possible to ask the forum members about ACA without being political???
 

In particular I keep hearing on tv that the deductibles will be from $5,000 to up to $12,000. Meaning the patient will pay the first $5k before the ACA starts paying the bills.

If that's true? How many young people have $5k? No politics please. Is this true? or I'm just not listening well when I watch TV???

Right now I just want to understand this plan better. I'm NOT trying to cause a political discussion.... If it's a political question, please delete. It's just very hard to get the facts. Everybody has a different view.:confused:

More young people have $5k for a deductible than $50k to pay out of pocket for a catastrophic event.

http://en.wikipedia.org/wiki/Patient...dable_Care_Act

The vast majority of people currently covered through their employer will see little change to their plans.

Thanks.

That's a lot to read tonight. I'll do it tomorrow.

To answer you^^^^

99% of people 20 to 36 years old spend a couple of hundred dollars per year for doctor's visits. Even a broken arm can be fixed for under 5K.

Who? & how many will spend monthly health payments after you consider a 5k deductible + another 5k per year in monthly payments before the insurance kicks in/start paying the bills. Another thing that I don't seem to get/understand :(

ive visited docs a few times in my life, but even if i added all the visits, it would not add up to $5K.

that said, why the f- i need to pay for others beats the hell out of me. :mad:

was that too politicalish? :icon17: :p

That's what I see. ^^^^^ I don't get it.

And when that person gets hit with something far worse than a broken arm, costs are passed to you. Period. Doctors don't let people die in the streets for lack of insurance. You are already paying for these people's medical care.

Most people get their insurance through their employer. That won't change. The ACA pushed employers who didn't previously offer insurance to employees to set up group plans. Individuals who aren't offered insurance through their employer can purchase their own plan on the open marketplace, or pay a $95 tax penalty.

now I know the moderators realize what I'm doing BUT
 

Is it really political when you don't talk about parties & blame but to JUST discuss the # one story in the news today???

I feel/think eventually the private sector will end providing health care & pay the fine which is much less than paying for private health care. Then again maybe the Govt. made that fine for corporation small just so the companies did just that. Sounds like a good idea to get huge numbers signing on to the ACA.

im sorry to say, but survival of the fittest needs to be reconsidered. i cant keep paying more taxes...especially for folks that dont take care of themselves.

The fine isn't small at the large company level, and good benefits are a good way to attract and retain talent. Look, the ACA is a bad way to force individuals to get insurance. That's not in question. But the "Chicken Little" reactions to it based on feelings are why our government is shut down at this moment.

We're already paying for those people, both through taxation and uninsured patient costs getting spread around to the insured. At least this way they can get some amount of coverage and pay some part of their bills.

we are in an era where people flipping burgers as a "permanent job" is okay. :shakes head: wtf. that is a job for kids to learn and prepare for adulthood, not a f-king permanent job to feed children. :mad:

ok, now im getting a bit politcal. :icon17: :p hahaha.

:iagree:

The major failing of this act was the lack of cost controls on medical procedures. There's no way my ACL surgery should have been $20k+.

Only 20k? I asked for an itemized version of the misses ACL surgery, because I wanted to make sure they were not double charging for sh1t which on big surgeries they do.
The bill was $89,xxx

And I got to see all the BS insurance & doctors do to jack rates up, there are multiple lines of insurance denies X amount, doctor adjust amounts, insurance denies Y amount, etc

I'd rather not talk about the shutdown because that could be political, like who to blame.

It's a fact that companies are hiring & changing to a part time work force. So it's not far fetched to say that companies might end their health care insurance since the Govt. is pushing them to switch to the ACA. That name ACA should be changed back to what it was called before:)

It just sucks for the small business owner with lets say 50 employees. Additional 5k tax just because. Ouch. (Btw, I don't own a small business, yet.) :eek:

I read his statement as "If you don't have sense enough to be prepared maybe we don't need you spreading your genes any further."

but on the other hand, thanks to our health insurance policies, my bill for delivering my two kids weren't that big at all. :D

the money i saved, i put it into mods. :tup: ok not really. :icon17:

Mine was in 1998(ish) dollars.

What it was called before? You mean Romneycare? ;)

I'm completely on board with that in all facets of life.

Ah, well then this would be a good comparison on price difference through the years. I think in the end I have paid for everything close to 4-5k out of my pocket (doctor visits, surgery, knee braces, physical therapy, etc) and she went through her insurance of course from her company which is very very good. It is a shock to see the initial amount due, was only like 2k for the day of surgery but it is all the extra expenses that can go up.

Good one^^^^ :) Compromise/update it "Obamacare" ????

Well, if I add in the braces, PT, etc that number goes up dramatically. Call it $30-35k in mid 90's dollars. So it's more than doubled in ~15 years.

It's pretty much a copy/paste of Mitt Romney's plan when he was the governor of Mass, with features dating back to plans put forward by both Democrats and Republicans. Obamacare is what the far right calls it because they're uninformed of the origins of the plan.

Like I said before, I don't want to go there^^^^ "fault" "blame" "

I'm not applying fault or blame, I'm correcting you from using "Obamacare".

i call that obakacare. :icon17:

does me no good. :shakes head:

Seeing as POTUS has been the main driving force behind ACA, I think it's fair to call it Obamacare. It may not be an original idea of his but he is the star of the show for this go-around. 'Most everyone I know - left, right, and in-between - calls it Obamacare. Not to be derisive, but just because the name fits. A rose by any other name...

That's true, but a lot of people seem to be running around with the idea Obama came up with it all on his own.

The tax penalty is $95 or 1% of your annual income, which ever is higher. Thats for the first year. It ends up going to $695 or 2.5% of your income in 2016 when the act is fully phased in.

So the first year, if you make 50k a year, your penalty will be $500. Afterwards it will be $1250.

Moral of the story, get some insurance so you money is at least benefiting you lol.

I'm just trying to figure out if I know anyone without insurance these days. Even the few I know that don't get it through work get it through their spouse's employer.

And if you're making $50k/yr and don't have health insurance, WTF is up with your priorities?

meh Socialized/universal health care is nothing new. Been around since long before Romney. If ppl want to believe it's Obama's idea, let 'em. :)

If he really wanted socialized health care, it would be single payer. This is a gimme to insurance companies and big pharma.

Agreed lol. I was talking with some of my co-workers last night about this. If you are making 50k a year, there is a really good chance your employer already has a health care plan for you.

Exactly. The people that will be paying the penalty are the "McJob 4 lyfe" types.

correct me if I'm wrong
 

What's the difference if we bought & paid for private care ourselves last year & today making payments to Obamacare????

Besides not having the govt. involved/getting bigger, & having the problems enrolling on line. Oh, also having a $500 deductible instead of a $5,000 deductible. AGAIN, I'm failing in understanding this whole thing.

Just remembered(honest) Now we'll pay more for others that don't work to have/share our health care plan. Very nice....:(

^^^^^correct. How is that person going to be able to pay for the XXXXXX plan???

If you have insurance already, then you already have insurance and this doesn't effect you, other than possible premium changes. You don't make payments to Obamacare, you make payments to an insurance company. Just like you did before the ACA.

They're not. They're going to pay the penalty. That's what I said.