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Pre ACA he'd be looking at similar premiums for him and his family. You admit that the premiums are too damn high. Time for universal health care.
Premiums did not increase under the ACA (link below). Prior to the ACA average premiums were increasing at 10% per year. The ACA didn't cause his problems. If your claim is he couldn't afford the premiums then this would also be true pre-ACA, and (using right wing logic) is evidence he was living beyond his means and not putting money into savings for unexpected life events. His claim that he couldn't get health insurance because he is self employed is BS.
Pre ACA he'd be looking at similar premiums for him and his family. You admit that the premiums are too damn high. Time for universal health care.
Premiums did not increase under the ACA (link below). Prior to the ACA average premiums were increasing at 10% per year. The ACA didn't cause his problems. If your claim is he couldn't afford the premiums then this would also be true pre-ACA, and (using right wing logic) is evidence he was living beyond his means and not putring money into savings for unexpected life events. His claim that he couldn't get health insurance because he is self employed is BS.
I'm self employed, and unfortunately $700/mo for an older couple is not high for health insurance. I've never chosen such a low level plan, always using the lowest possible plan for every argument is disingenuous. People who have employer coverage, or medicare simply have no idea how expensive health insurance is. I used to work in benefits, it was my job to compare and chose plans for companies, most people have plans that cost 3x, or more that price, but they aren't the ones paying so they don't understand the true state of health insurance in this country. Even if he had that low level plan the idea that he would be in the same boat is ridiculous, his wife also fell ill, so she has bills, and both will likely need plenty of aftercare, and could easily find themselves in a bankruptcy situation.
So what you're admitting is ACA did NOTHING it was promised to do, which was cut premiums.
The ACA includes an annual limit on out of pocket expenditures, guaranteed acceptance (no exclusions or higher rates for pre-existing conditions or age), removal of caps (insurance companies can no longer cut you off 1/2 way through cancer treatments), basic checkups, mammograms, and other treatments are included at low or no per visit fee), premiums are capped at 9.5% of income & subsidies for lower income families can bring that down. This is not NOTHING.
Mack has his priorities wrong if he can't put aside 9% of income (or less) for health insurance for his family.
The ACA includes an annual limit on out of pocket expenditures, guaranteed acceptance (no exclusions or higher rates for pre-existing conditions or age), removal of caps (insurance companies can no longer cut you off 1/2 way through cancer treatments), basic checkups, mammograms, and other treatments are included at low or no per visit fee), premiums are capped at 9.5% of income & subsidies for lower income families can bring that down. This is not NOTHING.
Mack has his priorities wrong if he can't put aside 9% of income (or less) for health insurance for his family.
The monthly premiums and deductible alone would total nearly what this bill was.. The fact that they have an out of pocket limit is meaningless, since its not even close tot he billed amount.. Even if it was, he'd STILL BE PAYING THE SAME AMOUNT..
Exactly, he would have paid $12,400 for the year, and thats assuming that the insurance would have covered 100% of everything over the deductible.. which is pretty dam close to the bill he received for having a heart attack.
How much was his bill for the heart attack? If all they had to do was stabilize him it might not have been that bad.
If he just needed a cath he could probably get out for $50K or so. Of course a bypass or something like that the bill would be several times that.
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