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Everybody who doesn't have any form of insurance (and who is not covered by medicare/medicaid) will have to buy insurance (I understand that there will be assistance available for those who cannot afford to pay.) People will no longer be allowed to say: "I'm young, fit and healthy. I don't want to spend my money on insurance." (And there are people who take that attitude.) If the Insurance companies are going to be obliged to cover everybody, then it's only fair that everybody will be insured.
So with effect from 1 Jan 2014 everybody will be (supposed to be) insured?
And when one of those newly-insured people - one who lives in the middle of nowhere - needs a doctor or medical treatment, who is going to send one to him or her?
There will be - I understand - 30 million new patients.
Who will be responsible if there are insufficient doctors to look after those 30 million new patients?
No, there won't be any new patients, just patients that were previously uninsured are now insured. From where do they get medical care now? The change this will invoke is these people will move from reactive care (ie, emergency room visits when something goes very wrong), to preventative care (regular visits and scheduled treatment). Emergency care is much more expensive, resource intensive, and less successful than preventative care. This will reduce the overall burden on the heath care system, reducing costs to providers, insurance companies, and patients.
We were told they would no longer go up or at least increase at a smaller rate.
You think it's "ignorant" to wonder why somthing that was promised won't come to fruition?
And the law hasn't come into full effect yet! If rates continue to increase in 2014 and 2015, when the AFC truely comes into effect, then I will truely give you all the room to complain. You can't complain about a law that mostly hasn't even been implemented yet.
And the law hasn't come into full effect yet! If rates continue to increase in 2014 and 2015, when the AFC truely comes into effect, then I will truely give you all the room to complain. You can't complain about a law that mostly hasn't even been implemented yet.
The way it was explained to me was insurance companies will only be allowed premiums by 10% starting in 2014. Unless they get a special wavier.
In order to avoid that crap they just jumped 'em higher now so they are covered for a few years while everyone is trying to see how Obamacare works in real life.
Any way you look at it rates are increasing because of Obamacare right now. Doesn't need to be in effect yet to have an effect.
It's one of those rules that guide humanity. "For every action there is a reaction". In this case the reaction is negative for the consumer. Obamacare is not immune from the laws of human nature.
More likely the patent expired and it's now a generic drug. That has nothing to do with Obamacare.
When I took BCP, I almost always opted for the generic and paid about $7-$15 depending which insurance I had and which pharmacy I used. Sometimes it was not even covered b/c it was so cheap, the cost was less than the copay.
The only thing I see taking effect as far as Obamacare is that premiums have risen ever since he started talking about it. The last two or three years have been the worst. 18% last year, the year before was 50% and we had to switch to a high deductible/FSA plan, which under Obamacare, will not even be allowed. The aforementioned plan for our family through Cigna is about $13k/year, we switched to them a couple years ago since BCBS was even more expensive.
I saw an estimate that the average family plan will be about $20k/year under Obamacare.
The way it was explained to me was insurance companies will only be allowed premiums by 10% starting in 2014. Unless they get a special wavier.
In order to avoid that crap they just jumped 'em higher now so they are covered for a few years while everyone is trying to see how Obamacare works in real life.
Any way you look at it rates are increasing because of Obamacare right now. Doesn't need to be in effect yet to have an effect.
It's one of those rules that guide humanity. "For every action there is a reaction". In this case the reaction is negative for the consumer. Obamacare is not immune from the laws of human nature.
No! Rates have been increasing for decades! If Obamacare wasn't implemented I bet your health insurance premiums would have increased by the exact same amount. It isn't like premiums were stagnant and then jumped up with Obamacare. They have been increasing double the inflation rate ever since the 1980s.
The only thing I see taking effect as far as Obamacare is that premiums have risen ever since he started talking about it. The last two or three years have been the worst. 18% last year, the year before was 50% and we had to switch to a high deductible/FSA plan, which under Obamacare, will not even be allowed. The aforementioned plan for our family through Cigna is about $13k/year, we switched to them a couple years ago since BCBS was even more expensive.
I saw an estimate that the average family plan will be about $20k/year under Obamacare.
Please show me that estimate. Seriously. I really want to see this.
My adult son was on "Obamacare" for a little over 18 months. He was 26, had just come off my insurance, and had a couple of pre-existing conditions that prevented him from getting coverage. After being turned down by Kaiser, he applied for Cal PCIP (Pre-existing Conditions Insurance Plan) and paid $150 a month for comprehensive coverage ( which, fortunately, he never needed to use).
Now he's covered through his employer's plan, and has dropped out of Obamacare. But, boy were we all glad it was there for him, just in case
(PS- the PCIP plan is available NOW in all 50 states, for those with Pre-existing conditions who can't get insurance. PCIP will phase out in 2014, when it becomes ILLEGAL for an insurance company to deny coverage to people with Pre-existing conditions. Contact your state government for info. The process is quick and easy)
I just read a report yesterday that the federal plan (i.e., funding) for the program that was to tide these people over under next year ran out of money long ago, something like only the first 100,000 people to get on it were accepted and the other however many millions have been and continue to be denied. So not sure where you are getting your facts, especially since more than half the states have not set up their own exchanges yet and/or have said they will not be setting one up at all.
Here's a question...your son now has coverage through his employer...why was he not denied if he has a pre-existing condition?
I should add that $150 a month even for an individual is extremely cheap. Who do you think is paying the rest of the premium for that? I'll go ahead and give you the answer...the taxpayers!
No! Rates have been increasing for decades! If Obamacare wasn't implemented I bet your health insurance premiums would have increased by the exact same amount. It isn't like premiums were stagnant and then jumped up with Obamacare. They have been increasing double the inflation rate ever since the 1980s.
Never said they weren't increasing.
Said they are now increasing at a higher rate because of Obamacare than we were told by the government.
And you have no idea if the woulda jumped at the same rate without Obamacare. No one does because Obamacare does in fact exist.
Are any of the ignorant people complaining about their premiums increasing aware that insurance premiums have been skyrocketing for decades?! Premiums would have continued to go up whether Obamacare was implemented or not.
Ok I will give you my premiums went upt.
But since my wife has availible insurance through her work, they changed our insurance to add a $50 a month upgrade free to keep her on my insurance, and my co-pays went up.
I work for a very very heavy benefit company, have seen no real increases until this last year.
BUt its ok, it won't changer your minds, just have you make up more excuses.
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Seriously. I really want to see this.
