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[quote=mkpunk;31756091]That is true. Many are just seeing the costs going up and worried about that rather than the fact that there is no such thing as a pre-existing condition.
However, the issue is if you make more the medicaid cap in your state, you will need to pay for the insurance whether you have the money to do so or not. For Arizona it is a little over $11K a year.[/quote]
Just for you? Which plan?
An individual Silver Plan in my zip code for my age ( 55) runs about $4300 a year. If I lived down state in a rural area the cost would be about $6000. The difference is that I live in a highly competitive healthcare market.
In either case, it is less than I would have paid for an individual policy with similar benefits, pre ACA.
That is true. Many are just seeing the costs going up and worried about that rather than the fact that there is no such thing as a pre-existing condition.
However, the issue is if you make more the medicaid cap in your state, you will need to pay for the insurance whether you have the money to do so or not. For Arizona it is a little over $11K a year.
Just for you? Which plan?
An individual Silver Plan in my zip code for my age ( 55) runs about $4300 a year. If I lived down state in a rural area the cost would be about $6000. The difference is that I live in a highly competitive healthcare market.
In either case, it is less than I would have paid for an individual policy with similar benefits, pre ACA.
I can and do appreciate, mileage varies.
The 11K+ a year is just the cutoff for a single (+26 after being kicked off a parent's plan.) through ACHSS (Arizona's Medicaid.) I can't get the costs, because of the website issues and refusal to sit on the telephone to enroll (I've tried talking to the help desk and they direct to the phone line and not try to help on the website. Sorry, not going to wait around for an hour or so on the phone.)
I/we are covered under my husband's ACA compliant group healthcare policy.
If we were not, he ( old goat guy) would qualify for Medicare which he has paid into for 45 years. I ( the younger wife ) does not qualify for Medicare. Therefore, I would need to buy an individual policy for myself. I/we would not qualify for a subsidy. For this, I am grateful.
You would be implicitly subsidized by much poorer 20 somethings.
Is it possible that one of the contributing factors towards how other developed nations provide healthcare at a fraction of the cost in the U.S. is that their hospitals get paid?
Starting in 2014, Cobra coverage is mandatory... you have to be insured even if you are fired, right? Didn't Sebelius say the are READY months ago... why do liberals keep lying?
But if you are fired, insurance (esp COBRA) is no longer affordable, right?
ACA, as originally planned, required all states to expand their Medicaid with the federal government picking up the initial tab for expansion and gradually reducing it to 75% over time. While SCOTUS determined that ACA was constitutional, it did not find the same for a mandate to expand State Medicaid.
Dependent on sources, 25-26 states have not expanded Medicaid. These states include those with the greatest number of uninsured people. The lack of expansion means more people in these states will fall into the doughnut hole, whereby healthcare insurance is more than 9.5% of their income but their income is too high to qualify for a subsidy.
As it relates to your opinion that Obama doesn't want people to buy insurance is your opinion, not a fact. My opinion is that this is hogwash.
Young healthy people without insurance have more serious car accidents than any other age group. They also engage in unprotected sex more than any other age group and oftentimes, that results in unplanned pregnancies which then are more likely is paid for by Medicaid.
Actually, the problem in states that opted out of expanding Medicaid, is that their income is too LOW to qualify for a subsidy. ACA was written to expand Medicaid for those up to 138% of poverty level and therefore did not provide for subsidies to those people. (I think that's what you meant to write.)
But if insurance is unaffordable, isn't the individual exempt from the mandate?
Not if they make over the Medicaid level for their state (100% or 133% depending if they bought into the national expansion.) I don't believe Arizona (the state I live in) did.
Interesting...It's my understanding that all individual healthcare plans that are non ACA complaint will be terminated on 12/31/2013. For your own sake, please verify.
Many posting here, there, everywhere tend to compare prices ignoring the benefits and in doing so are comparing apples to oranges.
The cheapest pre ACA sub prime policies tend to have high deductibles, low lifetime caps and plenty of exclusions.
Oh goodie, a lot of people are going to find the maternity and contraceptive coverage exceedingly useful.
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) does not qualify for Medicare. Therefore, I would need to buy an individual policy for myself. I/we would not qualify for a subsidy. For this, I am grateful.
