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Will it be temporary though? Unlike employer-sponsored plans where they are selling to groups, Medicare plans where the government pays more for sicker people, or pre-ACA individual plans where insurers were free to vary prices and refuse to make some sales, you have a situation where the insurers are guaranteed to make money hand over fist on groups of young and healthy people and bleed gushers of red ink on groups of older and sick people. Ultra narrow networks will give exchange insurers a continual way to keep costs and prices down while making their plans unattractive for the people they don't want. Without reform or repeal of the ACA why would that change, even if hospitals and specialists want to play ball the insurers won't let all of them into the game if the rules stay as they are.
First, younger healthier individuals will more than likely opt for the catastrophic plans (available for those under 30).
I believe that having individuals now on the market with increased people in the market makes the "individuals" a pretty big group.
Ultra narrow networks are the results of price negotiations between insurance and the doctors. This keeps the costs down for those purchasing insurance.
The ACA is far from perfect, and there should be some fixing and amending in the future, without a doubt. But repeal? That's crazy talk and really sets us backwards.
We're in an adjustment period.
Honestly, I wish we'd get rid of insurance all together..
Do you get paid for every time you write out, "Medicare" and "Tricare"? Because that card is ripped, tattered, and ready for the garbage.
Ya gotta love Medicare, Tricare and VA... you have the best for 680 billion dollars next year and you are complaining about the 36 billion of the ACA? ACA is socialism and the rest is earned benefits??. Who exactly is paying for your Medicare, Tricare, or VA next year.. A whole lot of those folks aren't working who aren't collecting. The ACA was designed around people who work.. something Republicans seem to have forgotten about.
And simply because you would also have to delay the pre-existing condition clause.. because you can't have one without the other.
Basically, overtime the networks will probably get bigger.
No matter what was or is delayed, with any change comes some discomfort.. BUT that discomfort is not nearly as painful as the collapsing system of healthcare we already had.
Hmm, and yet all of us that were perfectly happy with our insurance are simply casualties of the cause? I reject this notion. I do not think we had to transform the entire system to cover the minority that was not covered. For the vast majority of Americans (I believe the average is generally around 70% from various polls), they were happy with their insurance and happy with their medical care.
Hmm, and yet all of us that were perfectly happy with our insurance are simply casualties of the cause? I reject this notion. I do not think we had to transform the entire system to cover the minority that was not covered. For the vast majority of Americans (I believe the average is generally around 70% from various polls), they were happy with their insurance and happy with their medical care.
No, but those of you that "like" your insurance have been fortunate enough not to have to discover just how vulnerable you are under your plan, which again is cancelled because it doesn't meat the standards of the ACA.
These standard were established to prevent what was happening to far too many people that were paying premiums for insurance that, at the end of the day, still left them completely vulnerable, without sufficient coverage to care for them when they ended up with some more serious ailments.
Look.. you obviously have your opinion about the ACA. I encourage you to delve deeper. Download the free version available on the internet. Read the parts of the ACA that speaks of the standards set forth in them.. and then compare them to the "liked plan" that now is gone under the ACA to see where they fall short.
Just because something was "cheaper" doesn't mean it was a great plan. Ultimately paying a premium for something that would have left you bankrupt and financially distraught anyway would be like taking your premium money you paid for the insurance and throwing it into the fireplace.
Here is a cut and paste about the problem of bankruptcy due to medical bills with the source link.
The answer is that as of 2007, a Harvard study shows that at least 60% of bankruptcies are related to medical bills. Even people with health insurance are filing bankruptcy. Insurance premiums, deductibles, co-pay, and out of pocket expenses cause medical bills to drown individuals and families in medical debt. Harvard also discovered that 75% of those filing bankruptcy for medical reasons had health insurance. It is clear that having health insurance is no guarantee against carrying debt related to health care.
By all accounts, the new policies will offer consumers better coverage, in some cases, for comparable cost -- especially after the inclusion of federal subsidies for those who qualify. The law requires policies sold in the individual market to cover 10 “essential” benefits, such as prescription drugs, mental health treatment and maternity care. In addition, insurers cannot reject people with medical problems or charge them higher prices. The policies must also cap consumers’ annual expenses at levels lower than many plans sold before the new rules.
I highlighted what I think is the most IMPORTANT of the min standards in the ACA with regard to protecting insured financially.
No, but those of you that "like" your insurance have been fortunate enough not to have to discover just how vulnerable you are under your plan, which again is cancelled because it doesn't meat the standards of the ACA.
These standard were established to prevent what was happening to far too many people that were paying premiums for insurance that, at the end of the day, still left them completely vulnerable, without sufficient coverage to care for them when they ended up with some more serious ailments.
Look.. you obviously have your opinion about the ACA. I encourage you to delve deeper. Download the free version available on the internet. Read the parts of the ACA that speaks of the standards set forth in them.. and then compare them to the "liked plan" that now is gone under the ACA to see where they fall short.
Just because something was "cheaper" doesn't mean it was a great plan. Ultimately paying a premium for something that would have left you bankrupt and financially distraught anyway would be like taking your premium money you paid for the insurance and throwing it into the fireplace.
Here is a cut and paste about the problem of bankruptcy due to medical bills with the source link.
The answer is that as of 2007, a Harvard study shows that at least 60% of bankruptcies are related to medical bills. Even people with health insurance are filing bankruptcy. Insurance premiums, deductibles, co-pay, and out of pocket expenses cause medical bills to drown individuals and families in medical debt. Harvard also discovered that 75% of those filing bankruptcy for medical reasons had health insurance. It is clear that having health insurance is no guarantee against carrying debt related to health care.
Okay, you tell me. I had a 90/10 PPO plan - no lifetime caps or maximums. $1200 deductible and max $5000 out of pocket. $20 doctor office co-pays and $35 for specialists. Everything else was 10% co-pay. Did not include maternity and plastic surgery. Covered mental health, chiropractors, hospitalization, labs, prescription coverage, and dental. The dental wasn't that great so I got a supplemental since I've got a kid with braces. If I wanted maternity - which I do NOT need ever (can't have more kids) - that would be an additional rider.
I changed to this plan around three years ago since I previously had a higher deductible plan (planning ahead and all that). I paid ~$800/month for my family. New Obamacare plans? To get 'close' to what I had, my cost will be between $1000-$1200 per month. Oh and the networks are so narrow now that I will have to travel 50 miles to get medical care.
It was a good plan - I knew it was. I intentionally bought a good one. Yet now I get less for more money. So, please do not act like I do not understand the facts. Believe me, I've been looking into ALL the coverage of the offered plans and how it compares to my existing plan. Point of fact, I get less.
Oh and let's go ahead and cut off the argument that if we got sick, we would be dropped. My daughter had a tumor in her head. We weren't dropped. They covered everything. So yes, I am a causality of the cause, plain and simple. The extremely narrow networks is yet another insult to an already crappy situation. All of this to cover a minority that didn't have medical insurance???
Quote:
Originally Posted by Finn_Jarber Is there an option to opt out of a law?
Quote:
Originally Posted by janelle144
No, it has to be repealed and even if it is Obama would not sign it.
All the libs seem to be acting like Baghdad Bob with all the supporting of Obama and this crappy law. The things they are saying are downright crazy. Have you noticed that?
Yet Obama thinks he can "opt out: of executing or upholding any Law he does not like.
I've noticed that.
Okay, you tell me. I had a 90/10 PPO plan - no lifetime caps or maximums. $1200 deductible and max $5000 out of pocket. $20 doctor office co-pays and $35 for specialists. Everything else was 10% co-pay. Did not include maternity and plastic surgery. Covered mental health, chiropractors, hospitalization, labs, prescription coverage, and dental. The dental wasn't that great so I got a supplemental since I've got a kid with braces. If I wanted maternity - which I do NOT need ever (can't have more kids) - that would be an additional rider.
I changed to this plan around three years ago since I previously had a higher deductible plan (planning ahead and all that). I paid ~$800/month for my family. New Obamacare plans? To get 'close' to what I had, my cost will be between $1000-$1200 per month. Oh and the networks are so narrow now that I will have to travel 50 miles to get medical care.
It was a good plan - I knew it was. I intentionally bought a good one. Yet now I get less for more money. So, please do not act like I do not understand the facts. Believe me, I've been looking into ALL the coverage of the offered plans and how it compares to my existing plan. Point of fact, I get less.
Oh and let's go ahead and cut off the argument that if we got sick, we would be dropped. My daughter had a tumor in her head. We weren't dropped. They covered everything. So yes, I am a causality of the cause, plain and simple. The extremely narrow networks is yet another insult to an already crappy situation. All of this to cover a minority that didn't have medical insurance???
I acknowledged that there are casualties either in a previous post in this thread or in another which you might not have seen.
I"m sorry if you thought i implied that YOU didn't understand. But, I know that there are many that don't understand and you are in the small percentage of people that are a little less off than before.
However, it's all short term. You were lucky enough to have a "Great plan". Far too many don't have a great plan. I wish I could find the article that looked at the numbers .. and it was about 3% of the population that wouldn't' benefit from Obamacare off the bat.
Ultimately the ACA is moving to make the system better for EVERYONE, not just the lucky few that had or could afford a great plan initially. Indeed it is a little of a raw deal for some in the short term.. but the long term picture is far brighter. Unfortunately, as a culture, we only tend to look at short term gains and not long term gains or we look only at what benefits us each individually over what ultimately will benefit not only ourselves again in the long term, but others.
I'm sorry you are having this experience. But I'm still in support of a reform that brings us closer to a system that opens more access to more people.
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