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The highest deductible possible on ACA plans is $6350 because that is the maximum out of pocket allowed. And, of course, it is true out of pocket in that it includes all copays, prescriptions, etc. Keep that in mind. The absolute maximum that anyone insured will pay for health care next year is $6350 no matter how bad an accident or serious an illness they came down with.
Of course, even though you act like it is not the case, there are other plans having much lower deductibles that are offered. My new plans has $0 deductible and a max out of pocket of $2000. An old goat like me pays $550 per month for that while a young person pays $150 or so - before any subsidy in both cases.
As a 27 year old my out of pocket cost to keep a plan with the same benefits rose by 90%. That is reality. Are you saying I should be happy about that?
The highest deductible possible on ACA plans is $6350 because that is the maximum out of pocket allowed. And, of course, it is true out of pocket in that it includes all copays, prescriptions, etc. Keep that in mind. The absolute maximum that anyone insured will pay for health care next year is $6350 no matter how bad an accident or serious an illness they came down with.
Of course, even though you act like it is not the case, there are other plans having much lower deductibles that are offered. My new plans has $0 deductible and a max out of pocket of $2000. An old goat like me pays $550 per month for that while a young person pays $150 or so - before any subsidy in both cases.
Sure but you pay a higher premium. The point of Obamacare was that there were people that could not pay premiums because they didn't have money or were refused by insurance companies.
Well now they aren't being refused and have their premiums subsidized.
But where will they get the thousands to pay for their out of pocket costs before insurance kicks in ?
If they didn't have money before they certainly aren't going to have it now.
Insurers are discontinuing policies and offering others because the Unaffordale Care Act requires them to.
Get a clue.
Here's a clue for you: The CEO of Aetna was on TV a couple days ago and stated that 1/2 of all policies in the individual insurance market "turn over" each year. That means they are cancelled by the insurer or the insured. So half of all the supposed victims of Obamacare would have been forced or decided to change policies this year anyway. If they and the insurers liked their insurance so much 70%-80% of people would not have changed policies since the infamous Obama "lie".
As a 27 year old my out of pocket cost to keep a plan with the same benefits rose by 90%. That is reality. Are you saying I should be happy about that?
They don't care. They want their subsidies and they can only get them via Obamacare.
Here's a clue for you: The CEO of Aetna was on TV a couple days ago and stated that 1/2 of all policies in the individual insurance market "turn over" each year. That means they are cancelled by the insurer or the insured. So half of all the supposed victims of Obamacare would have been forced or decided to change policies this year anyway. If they and the insurers liked their insurance so much 70%-80% of people would not have changed policies since the infamous Obama "lie".
Having a customer cancel a plan is different than being forced into a costlier plan with worse coverage and skimpy networks by the federal government.
Maybe you can use your welfare I mean subsidy to buy a clue.
Sure but you pay a higher premium. The point of Obamacare was that there were people that could not pay premiums because they didn't have money or were refused by insurance companies.
Well now they aren't being refused and have their premiums subsidized.
But where will they get the thousands to pay for their out of pocket costs before insurance kicks in ?
If they didn't have money before they certainly aren't going to have it now.
I agree more than disagree with you on this. It remains a big problem. We can not lower health care costs sufficiently to make it or the insuring of it affordable to the lower range of the middle class. But you and I know what the fix is - universal tax-paid care - Medicare or something similar for everyone. If the Obamacare experiment in third party profit based insurance fails, that would seem the next logical step. It is, after all, the model that the entirety of the rest of the highly developed world is using.
I agree more than disagree with you on this. It remains a big problem. We can not lower health care costs sufficiently to make it or the insuring of it affordable to the lower range of the middle class. But you and I know what the fix is - universal tax-paid care - Medicare or something similar for everyone. If the Obamacare experiment in third party profit based insurance fails, that would seem the next logical step. It is, after all, the model that the entirety of the rest of the highly developed world is using.
That won't work either. With costs skyrocketing, you're only piling on debt.
That is what is happening in Europe with their universal plans.
And even with that people are paying for a second policy to help pay the costs even with a universal policy.
All government does is try to address the cost of insurance.
And that will not fix anything because it's the cost of healthcare that people can't afford, not the insurance.
Healthcare was affordable before insurance worked it's way into the game.
Once upon a time insurance was only used to cover a hospital stay.
For all else you paid out of your pocket and submitted a form to your insurance company.
They paid 80/20 after you met your small deductible.
This was before the HMO came on the scene and then insurance took over all of healthcare.
That won't work either. With costs skyrocketing, you're only piling on debt.
That is what is happening in Europe with their universal plans.
And even with that people are paying for a second policy to help pay the costs even with a universal policy.
All government does is try to address the cost of insurance.
And that will not fix anything because it's the cost of healthcare that people can't afford, not the insurance.
Healthcare was affordable before insurance worked it's way into the game.
Once upon a time insurance was only used to cover a hospital stay.
For all else you paid out of your pocket and submitted a form to your insurance company.
They paid 80/20 after you met your small deductible.
This was before the HMO came on the scene and then insurance took over all of healthcare.
I remember when insurance paid ONLY for 'hospitalization'.
Costs of medical care will skyrocket under Obamacare.
Yup. HHS defined "essential health benefits" that every policy must cover.
If your policy doesn't cover those 10 "essential benefits" then it's substandard and has to end.
I'm retired. My son is out and living on his own.
Do I need maternity, newborn and pediatric services ? Nope but my plan is now substandard and will change.
So is medicare now substandard ?
https://www.healthcare.gov/glossary/...alth-benefits/
Essential health benefits must include items and services within at least the following 10 categories: ambulatory patient services; emergency services; hospitalization; maternity and newborn care; mental health and substance use disorder services, including behavioral health treatment; prescription drugs; rehabilitative and habilitative services and devices; laboratory services; preventive and wellness services and chronic disease management; and pediatric services, including oral and vision care.
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