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Location: Just transplanted to FL from the N GA mountains
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Quote:
Originally Posted by Chimuelojones
What exatly is good coverage? if having a low deductable and co-pay yet the policy doesnt meet the minumun of coverage, how good is it.
You gave one expample of higher deductable and copays...did you get only one quote? How many quotes did you consider...? Was the $6,000 higher option the lowest one available to you?
Is the fact that people are telling you over and over again, that their getting screwed, and that even looking at your precious exchanges that it's not what they want or need... completely lost on you?
The fact is some folks are losing their insurance.
The fact is some folks benefits are changing for the worse.
The fact is some folks premiums are skyrocketing.
The fact is some folks do not get a subsidy to make it "affordable."
The fact is... you, nor the government have any right to be telling these folks what is or isn't good...
All insurers must provide the basic coverage. If a policy only provide 3 of the 15 critiria of coverage, then they must modify their policies.
What do want your medical insurance policy to cover and offer? What services should they cover?
Obamacare guarantees that the poor and the afflicted will be the people most willing to sign on. Look for them to be the most ardent supporters of the ACA as well. After all, who wouldn't want everyone else to pay for his health care?
ACA created a baseline for healthcare insurance and the sub prime policies no longer qualified or were eligible for grandfathering.
When in 2009, Obama said " you could keep your (individual )plan" the ACA was far from final.
There is no upside for any sitting president to intentionally lie about anything because it will all come back to haunt him. There's zero upside.
If there is zero upside for lying, why does Obama do it so much? There is plenty of upside for lying in his case. If the truth were known about Fast and Furious, the IRS scandal, Benghazi, the ACA, no bid contracting, Solyndra, etc., then he would have never won re-election.
Well, maybe he would have. People ARE that stupid.
So here's the surprising bright side of Obamanomics: Healthcare Edition.
Many thought that Obamacare would further remove people from the costs of care, making the cost spiral even worse. But the actual ACA-compliant policies have such large deductibles and large co-pays and, for people who used to have good coverage, sharply higher out-of-pocket maximum exposure. (Mine went from $6,000 to over $12,000 per year, for example.)
So a lot of people will be looking at those deductibles and foregoing doctor visits and medical treatments, which will reduce cost pressures. Overuse is not going to be the issue that many thought, because a large fraction of the ACA-insured population will not be able to afford actual care. (Except for FREE PHYSICALS, Yay!) Some problems turned up in the free physicals will go untreated, or will bankrupt the paycheck-to-paycheck crowd just like the olden days.
Within a few months, when people start to get bills for several thousand dollars to cover deductibles and copays, the noise to reform the health care reform will get very loud, I predict.
You are forgetting the maximum out of pocket which includes the deductible and co-pays. Would you rather cap your cost at $ 6K and change per year ( individual policy) or risk the farm by being seriously underinsured in the event of an accident or serious illness?
All insurers must provide the basic coverage. If a policy only provide 3 of the 15 critiria of coverage, then they must modify their policies.
What do want your medical insurance policy to cover and offer? What services should they cover?
All insurers must provide the basic coverage.....except for low-dollar preventive stuff, only after HUGE deductibles and HUGE copays and HUGE out-of-pocket damage. I'm looking at actual ACA-compliant policies, comparing what I can get to what I had, and I'm telling you, when the majority of the public catches on they are going to be pissed.
Those covered by employer plans or government plans will also blame every future perceived shortfall to the ACA, in addition to those of us in the individual insurance market who are getting hammered right off the bat, unless we are the subsidy-eligible, not of much value to the rest of society types. I think the Dems are headed for a disaster that will unfold over years, not days or weeks--and fixing the website is not going to help them.
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