how is Obama care Affordable ?

[reno]

we just got next years rates . were on BCBS of Michigans Bronze plan . are 2016 rate is $413.21 per month are cost.
next year it jumps to $628.33 per month . that looks like a 33 % increase if Im doing my math correctly .

are Deductible jumps from $6850.00 to $7150.00 per year for a individual plan or from $13,700 Today to $14,300 next year for a family plan.
starting January 1 2017 .
we know for sure next year we have to look at a different insurance carrier and policy there no way we can afford to pay these rates .
keep in mind this is after a so call financial help each month -if not are monthly costs for 2016 would of been - $1175.21 per month
and the costs without financial help would be in 2017 - $1390.33 per month

Obama such a great planner when he enacted this Heath care Plan ! all we can say is thank you A-hole.

hard figures
out pocket this year
$4958.52 plus $13,700.00 = $18,658.52

out of pocket next year
$7539.96 plus $14,300.00 = $21,839.96

ok this is the worst out of pocket if we were to get Ill . but try paying these when your retired !! hell try paying these when your working .

[Executioner]

Yeah good old Pelosi quote: "we have to pass the bill so that you can find out what is in it, away from the fog of the controversy.” So the "fog" has lifted and now we know it was a pile of shit. In just 5 years, it's beginning to implode. There is going to be a lot of pissed off people when they start to get their premiums.

[FlyingPenguin]

Try paying my rates. I don't qualify for Obamacare or any subsidies and I pay $1500 a month (self employed 2 people). Only good thing is my premium is only going up $250 next year, much to my surprise.

The flaw with Obamacare is the govt doesn't control insurance prices. All they can do is regulate and offer subsidies, and premiums are still too high because ultimately the price is set by the insurance carriers, and the carriers are screwing us (both in premium rates AND deductibles).

The current deductibles are ridiculous. I'm lucky in that I have an 18 year old grandfathered plan with a low deductible and no network restrictions. I looked into changing my plan last year to save money on the premiums, but the deductibles are stupid crazy and I would wind up being WAY more restricted on my choice of doctors and hospitals. In the end - staying with my old plan is the best option.

Yes Obamacare is badly flawed, but at least there's 20 million people with insurance that wouldn't have it otherwise. I've seen no replacement offered by Republicans. They just want to pull the plug which means those 20 million people likely won't be able to afford insurance at all.

No one wants to deal with it, but what we really need is a Canadian type of universal health care that provides the minimums for everyone, and then for those that can afford it, optional supplemental insurance. But oh no, that smacks too much of "socialism".

[Losbot]

Yes Obamacare is badly flawed, but at least there's 20 million people with insurance that wouldn't have it otherwise. I've seen no replacement offered by Republicans. They just want to pull the plug which means those 20 million people likely won't be able to afford insurance at all.

In all fairness, they did announce a plan earlier this year.

https://www.washingtonpost.com/news/pow ... e-unclear/

Some of the proposals are:
- A refundable tax credit for Americans who don’t have employer-provided insurance.
- Expanding the use of private health savings accounts, or HSAs.
- Allow insurance companies to charge young people less and older people more.
- Funnel the costliest patients to subsidized “high-risk pools.”
- Restructuring Medicaid and Medicare.

[FlyingPenguin]

1 & 3 makes sense. "Resstructuring Medicaid and Medicare is vague and doesn't do anything for anyone in Obamacare right now. Not sure #4 is going to help - who's going to insure a "high risk pool"?

If big hair wins, we'll see, assuming he doesn't just start World War III.

[Losbot]

The link gave more info about each proposal. I'm not sure that all of these things are great ideas but at least they FINALLY got something out. Took long enough.

[FlyingPenguin]

The other concern is that this is THE REPUBLICAN PLAN. Trump doesn't seem to much care about adopting Republican anything - especially if it has Paul Ryan's name on it.

I suspect congress will be in a bitter battle with WHOEVER is elected.

Stocking up on popcorn...

[Losbot]

Yeah, I think that regardless of whoever wins, it's gonna be an ugly 4 years.

[FlyingPenguin]

I weep for all the fact checkers who will be out of work in 8 days...

[reno]

Yeah, I think that regardless of whoever wins, it's gonna be an ugly 4 years.

[font=] couldn't agree more were all screwed.[/font]

[wvjohn]

Health insurance is a worse racket that than wall st. At least the dems tried to do something so people could actually get help when they needed it. repubs have sat on their asses for the last 4 years sending selfies...
We need to go with a universal base level system with added services for added $$. I read somewhere that close to 40% of total costs are paperwork. My wife has had some fairly serious stuff the last couple of years, and I have pretty good insurance through state retirement, but I always get screwed on "out of network" stuff - this year about 4k worth. I've always thought the easy way to get the medical profession involved in care is to do what the military does - go to school on our dime and serve for 5 years, and put them on salary. I got clipped this year with ER docs charging $1k for a visit - and they don't accept my insurance. Total BS. We all deserve better.

[Err]

I just sat through open enrollment. We're fairing better than many on the exchanges but I still feel as if we're paying more for less. The family rate went up $60 per month and the deductibles an out of pocket raised about $150. As long as I complete my wellness program BS I continue to "save" $40 per month. It's all a racket.

I know this sounds very socialist but I think your insurance rate should be a percentage of your gross earnings up to a certain amount. At one time in my life, I used to be against single-payer but I'm now for it. We really need to get control of our healthcare system. I realize the whole mess is complicated but an individual shouldn't be bankrupted or sent to creditors because they can't afford their healthcare bill.

EDIT: should've=shouldn't

[Key Keeper]

FORCING a person to BUY a commercial service or fining them is completely wrong. Period. If people dont want insurance then thats their problem. Forcing them to buy it or keeping a portion of their tax return and using it for people who qualify for free insurance makes no damn sense and is socialism at its core...

[FlyingPenguin]

So states shouldn't force people to have car insurance? If you have a mortgage you're forced to have homeowners insurance.

[Pugsley]

The car insurance one i can kinda give you but the home owners is the lending company saying you need insurance. After its paid off you don't need it any more just like full coverage on a car.

Now for car insurance on a car you own... that can be argued a bunch about how its good to have it and not. But be honest... if you didn't need it you would probably skip it. I know I wouldn't because i have shit people would want if they could sue me. Now some poor people would not have it and it would basically mean that they either go to jail or some how get even poorer when you take everything.