$2500, $5000, $10,000 and $12,000 deductibles?? (solution, agent, welfare, kids)
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This is an example of the assumptions that derail all of these conversations. Why would you jump to the conclusion that adding a spouse to an employer-sponsored plan is cheaper than getting an individual plan? In my family adding a spouse to either employer-sponsored plan would be very expensive. Getting a less-expensive individual plan through the exchange would be a no-brainer for us, if we had to go that route.
I'm not making any assumption or derailing the thread. If you have employer health insurance - it most certainly is cheaper to add a spouse or child on than having them get their own policy. That's why children can stay on until they are 26 now.
If his is one of the employers that have dropped health care for spouses - it's easy to answer or is he just making this up to jump into the conversation. My fellow Democrats tend to nit pick every post instead of answering a question. If Democrats would just once try to compromise instead of attack - we might have a better program than what was launched.
Fifty years ago - the parties did compromise, although the Republicans were for Big Business and the Democrats were for the working people, thus making a better America for all of us. There was pride in being an American.
But what I don't do, that evidently you do, is think I'm better than people who need help.
And I remember, always, that taxes we ALL pay go to things we DON'T all use. They subsidize services. How many people pay taxes that go to support air travel, who rarely or NEVER fly? How many people pay taxes that pay for Veteran's Administration and the services that veterans receive? I don't see you starting threads telling veterans they are on WELFARE, and belittling them.
We live in a society where we ALL pay taxes, and those taxes sometimes benefit others more than they benefit ourselves.
You had a choice to buy that house and pay those property taxes or rent. I do not have a choice when it comes to Obamacare. To bring Veterans into this is low - these veterans have served and protected our country for less pay than someone on welfare receives. Making sure they receive healthcare is a small price to pay - and I feel most Americans agree with that across party lines so that's a poor example.
Yay me. I just sent off my massive insurance premium (nearly $700) today. I made an appt with my doctor -the copay will be $75. I am nearly positive he is going to send me to get an MRI - that will be another $1200 and that will be straight out of my pocket, because I have a $5000 deductible. Then I will get the rest of his bill, which will be about $200 for the visit since he's a specialist.
He will nearly positively order either surgery, or I will have to be put in a cast/boot with physical therapy (I have either torn or severely strained my achilles tendon). So...in addition to paying the nearly $700 a month, I will pay another $5000 this year PLUS 20 percent of the rest of the bills.
Good times, good times. I reckon this year my medical expenses will be around $14,500. If I'm lucky. And that's with insurance.
My husband and I, with no pre existing conditions and on no meds, and no other dependents, pay nearly $700 a month for insurance. We have a $10,000 family deductible ($5000 each). Our co pays are $40 for a generalist and $75 for a specialist. No pregnancy or mental healthcare coverage is included. This was literally the best deal we could find.
We went to the ACA website and the same plan, via the same provider (BCBS) was $200 MORE a month in premiums.
WHISKEY TANGO FOXTROT??????
So your biggest problem is that you pay your own freight. The program is designed to help those who are unwilling or unable to meet their own needs, and stuff their pockets with goodies. It works that way for small businesses, too--a crappy business is eligible for health insurance subsidies, but a successful one is not.
Now, whether this is fair or right or not is a political question and can be debated.
What is beyond debate and is clear as a bell is that millions of people are in the position that if they figure out a way to provide $5,000 or $10,000 more value to the rest of society per year, they will lose 150% of the increases to higher taxes and lost ACA subsidies. Our whole society will certainly be poorer as a result of these perverse incentives built into the ACA.
Paradoxically, we would be better off economically if there was no means-testing. Just give everybody some basic level of services, and if they want better they can buy their own insurance. And this would do a heck of a lot better job for the poor and disadvantaged than Obamacare, which only will cover half the uninsured after a decade, if projections pan out.
You had a choice to buy that house and pay those property taxes or rent. I do not have a choice when it comes to Obamacare. To bring Veterans into this is low - these veterans have served and protected our country for less pay than someone on welfare receives. Making sure they receive healthcare is a small price to pay - and I feel most Americans agree with that across party lines so that's a poor example.
Even if I rent, a portion of my rent goes to property taxes, so no, no choice.
And I'm not demeaning Veterans in any way, shape or form. I'm pointing out that if a poster is going to put down people receiving subsidies for healthcare insurance, that the system providing veterans with healthcare is also subsidized by tax dollars. I agree that veterans should receive this benefit. So, bringing veterans into this isn't low at all. It's just logical.
You had a choice to buy that house and pay those property taxes or rent. I do not have a choice when it comes to Obamacare. To bring Veterans into this is low - these veterans have served and protected our country for less pay than someone on welfare receives. Making sure they receive healthcare is a small price to pay - and I feel most Americans agree with that across party lines so that's a poor example.
I agree completely. You'll have to forgive them, as they tend to mix things up, contradict themselves without realizing it, can't do math most of the time...etc. They are products of what they perceive as a successful PSS, which has sucked critical thinking skills out of existence.
This is the "what's in it for me" mentality, and why they still believe Obamacare is fantastic.
Maybe YOUR cap is $3800, but how much is being subsidized?
If the best plan has a $2000 deductible, the pool is paying $1500 to the insurance companies for you.
Isn't it great?
Surfman, you would not trade places with the welfare recipient you are questioning--or with anyone else who is not capable of taking care of themselves. We need to figure out a way to get help to those who need it on a more efficient, less disruptive basis than the hash they call Obamacare. But debating with recipients isn't likely to produce any form of agreement.
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