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Aside from employer sponsored insurance, are there truly any viable insurance options out there? I am not talking about the "Affordable Health Care Act" which is a sham. Correct me if I am wrong, but, the deductibles for that plan are in the thousands. What about religious plans where members share the costs? Good or bad? The reason I ask is that temp jobs do not offer insurance, so, wondering what I can get as an alternative.
Aside from employer sponsored insurance, are there truly any viable insurance options out there? I am not talking about the "Affordable Health Care Act" which is a sham. Correct me if I am wrong, but, the deductibles for that plan are in the thousands. What about religious plans where members share the costs? Good or bad? The reason I ask is that temp jobs do not offer insurance, so, wondering what I can get as an alternative.
Thanks..
shaggy
High deductibles are not a "sham". Just make sure you have the cash savings to cover it, and use the insurance for protection against really serious stuff like a broken bone or cancer.
The ACA is not a health insurance plan, it is legislation that has give millions of people access to health insurance that did not have coverage before. There is a wealth of information on the internet about getting individual health insurance plans. Part of the ACA was the establishment of state marketplaces, which are central websites to shop various insurance company plans--basically a shopping mall for health insurance, to make the process easier. The only reason to buy a plan from the marketplace is if you get subsidies otherwise, you can go to any health insurance company and buy an individual plan.
Yes, you will have deductibles/out of pocket costs but those can range from $500 to $12,000. I guess I'm not sure why you think that is a bad thing. Even with employer sponsored plans you will see a range of deductibles/out of pocket costs like this.
If your income is low enough, you will qualify for subsidies for your premiums and/or out of pocket costs. I know people that make so little that they are paying $10-20/month for their premiums and have a max out of pocket of $1500. That is what the ACA has done for people. Such a "sham"
High deductibles are not a "sham". Just make sure you have the cash savings to cover it, and use the insurance for protection against really serious stuff like a broken bone or cancer.
Individual mandate + insurance overpriced by design + taxpayer subsidies + excessive deductibles way out of reach of those who need the premium subsidies = SCAM.
If you think someone earning $18K can afford the high dedictibles, I have a bridge to sell you.
The ACA is not a health insurance plan, it is legislation that has give millions of people access to health insurance that did not have coverage before. There is a wealth of information on the internet about getting individual health insurance plans. Part of the ACA was the establishment of state marketplaces, which are central websites to shop various insurance company plans--basically a shopping mall for health insurance, to make the process easier. The only reason to buy a plan from the marketplace is if you get subsidies otherwise, you can go to any health insurance company and buy an individual plan.
Yes, you will have deductibles/out of pocket costs but those can range from $500 to $12,000. I guess I'm not sure why you think that is a bad thing. Even with employer sponsored plans you will see a range of deductibles/out of pocket costs like this.
If your income is low enough, you will qualify for subsidies for your premiums and/or out of pocket costs. I know people that make so little that they are paying $10-20/month for their premiums and have a max out of pocket of $1500. That is what the ACA has done for people. Such a "sham"
??? ??? ??? ??? Other than Medicaid, where are the subsidies for out of pocket costs?
If your income is low enough, you will qualify for subsidies for your premiums and/or out of pocket costs. I know people that make so little that they are paying $10-20/month for their premiums and have a max out of pocket of $1500. That is what the ACA has done for people. Such a "sham"
Dang. My employer sponsored insurance that covers me alone is $150/month, for a plan with a $1750 deductible and $4000 annual OOP max. And I work for a decent size corporation.
Individual mandate + insurance overpriced by design + taxpayer subsidies + excessive deductibles way out of reach of those who need the premium subsidies = SCAM.
If you think someone earning $18K can afford the high dedictibles, I have a bridge to sell you.
In states that expanded Medicaid, someone earning $18K would not be buying insurance through the marketplace. They would have Medicaid.
The biggest issue with the ACA is it assumed that young and healthy individuals would buy plans on the marketplace and dilute out the cost of covering older and sicker people. This unfortunately did not happen and the risk pool increased for insurance companies, which forced them to raise premiums or drop out of the ACA marketplaces completely.
The true scam in America is that healthcare is not considered a right for all citizens. Almost every other developed country has some form of a single payer system with the option for supplemental private insurance. Why should we only provide the right for comprehensive care to poor and elderly? Why should we saddle companies with paying insane insurance premiums on behalf of their employees?
Individual mandate + insurance overpriced by design + taxpayer subsidies + excessive deductibles way out of reach of those who need the premium subsidies = SCAM.
If you think someone earning $18K can afford the high dedictibles, I have a bridge to sell you.
They don't have to afford high deductibles, they would get subsidies if they purchase a silver plan on both premiums and out of pocket costs. At 18K, they would pay little to no premiums and likely have an out of pocket max in the $1500 range. How can you not know this by now?
Quote:
Originally Posted by freemkt
??? ??? ??? ??? Other than Medicaid, where are the subsidies for out of pocket costs?
It's part of the ACA, feel free to google subsidies for low income people with the ACA or go online to the marketplace and price out plans in that income range....
If your income is low enough, you will qualify for subsidies for your premiums and/or out of pocket costs. I know people that make so little that they are paying $10-20/month for their premiums and have a max out of pocket of $1500. That is what the ACA has done for people. Such a "sham"
This example is the exception rather than the rule. Most working people are faced with the choice of paying 2-3 times their pre-ACA premium to keep their original policy, or spending about the same amount as they were pre-ACA for lesser coverage through the marketplace with deductibles in the $5000-$7000 range per person.
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