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Except that it isn't the red states paying the freight for their programs, it's the wealthy states. You know what? I don't mind paying SNAP to children in poor red states. That's why we are the UNITED States.
That doesn't stop the idiots from supporting it because it makes them feel like they are doing something, anything, which in turns makes them feel good about themselves.
They also support it if they are party loyalists regardless of whether it works like it was promoted or not (aka D zombies).
It will only be when it hurts them not only in their pocket, but also causes the coverage they had before to be reduced or limited. This despite the fact they have jobs and have earned quality health care coverage.
Remember the Unions (aka D zombies) demanding their "Cadillac plans" be kept in tact even though Obamacare is not suppose to allow for such things.
Obama even blatantly delayed some of the pain until after the election, which was an obvious partisan move to get re-elected. The (D) zombies thought it was a good idea also (at least the ones who are not low information voters), yet now want to ***** & moan about how it is hurting them.
High deductible insurance is worth it when you get the big things. I've done it and I know. I had cancer in 2013. I had carried a very expensive high premium high deductible for years. Never used it til then. For cancer my insurance paid out over 450 thousand dollars. I paid two yearly deductibles of 10 grand each and premiums for several years in the 5 to 6 hundred dollar a month range. That insurance company has shelled out way more money than I ever have . Had I not had it we would have lost everything. Not only that I would be like several women I know that fought breast cancer like I did only without insurance. Years later they are broke, and are still waiting on that final operation for the cosmetic surgery that replaces the ugly hard plastic stretchers that are pre-cosmetic surgery. I've known others that lost their house due to medical and no insurance.
Notice my first sentence. It doesn't say "if" it says "when". We all get something eventually. That's reality. We are human and all die of something or survive something before we die of something else. No one likes it, I hate it, but it is reality.
My opinions of what Obama care has done are mixed. What makes me angry is that they lied to us. It did nothing to reduce costs. The cost of health care services hasn't gone down. What they did is expand medicade to include more people with middle class people like myself paying for it.
After it all was put in place the truth came out that it wasn't meant to take care of old people. If you are someone that is very old with no money the system the government has put in place won't help you enough. Old people with no money will on the whole die sooner than those that have money. It was like that before, but now its worse. Obamacare was set up by the government to take care of those that are of the most use to the government. The younger the better. Those of us with some money are paying for them to do this.
I will admit I did like the change that allowed me to keep my son on our plan until age 26, though he did find his own insurance sooner.
Had Obamacare not been put in place maybe I wouldn't have insurance after having cancer. Pre-existing and all of that.
I know change was needed I just don't like our government taking control of this. For example consider how badly the Obamacare website was to begin with. How do they ********** up so badly? We've only had the internet for a very long time with websites being created every day that don't have nearly as many glitches as that did. And its all clear as mud. If a private business was this incompetent it wouldn't last.
All of the people here thinking Obamacare is so great, you better HOPE you NEVER leave your "insurance network" area. Not to visit family. Don't drive your kids to college. Don't go to your grandchildrens', niece's, nephew's, etc. weddings, college graduations, etc. If you get sick or injured and have to be treated out of your Obamacare insurance network, you're SCREWED.
And hope like hell you NEVER need medical care from an 'out of plan' specialist or at an 'out of plan' facility.
NONE of those are covered.
How did not even ONE of you ever think through the ramifications of that? Purely idiotic!
My husband was in West Virginia on business. He had driven up there because he needed his 4 wheel drive truck up there where he was working. On the way home, he started feeling bad and his stomach was really hurting. He called me and said, "I think I'll be OK but I feel terrible - but I don't want to try to go to a doctor out of network - and I've probably just got the flu or ate something bad. I'm just going to drive on home."
It was about a 16 hour drive.
A few hours later he called me and said, "I need to either drive straight through or stop somewhere along the way and go to a doctor. I guess I better drive straight through because I'd hate to have to deal with insurance up here."
It took him 24 hours to drive home, because he had to pull over so often in pain. But he still thought he just had eaten something bad - and besides that, the insurance would be a nightmare.
I don't know if this is good or bad, because the insurance WOULD have been horrible, being out of network, but by the time he got home, he was sick as a dog. But NOW we were "in network" so off we went to the ER.
His appendix had ruptured. Emergency surgery and five days in the hospital later he went home. Now - that was covered - because it was "in network." But can you imagine what the bill would have been like if he'd had to have that surgery out of network?"
Even so - our total bill was about $11,000. And I felt really lucky. It could have been $100,000 if he hadn't driven home to be "in network." Of course, that in itself was really risky - because he also could have died from a ruptured appendix.
But now we're back to square 1 because any PPO plan available to us now is running at least $1800 PER MONTH.
If you are away from home and have a medical emergency your insurance will cover out of network care. If your network does not offer a specialist that you need they will authorize a visit to one that it is network. It is only when you take it upon yourself to see out of network physicians that their fees aren't handled the same as in network physicians
Have you noticed how many "urgent care" facilities are now cropping up? That's because semantics and fine lines are very important in this industry. "Urgent care" isn't "emergency care." For instance, in my husband's case - say he has a fever of 102 and he's out of state for two weeks to go. He is miserable, wheezing, sweating, with a fever, but guess what - that's URGENT care, not EMERGENCY care. So - out of network and he's on his own.
There are all sorts of things that hit people, that warrant a trip to the clinic, that are not true EMERGENCIES but are urgent level. Those are not covered. Not one iota.
Post a zip code if you want us to give examples specific to you.
Nope. I already did this on another thread and I frankly regretted it because in hindsight I realized I don't want to advertise where I live so clearly.
That being said, I know how to run searches with my own zip code. I know what's available and what's not available in my zip code and I'm not exaggerating or lying about anything. If I tell you something isn't allowed in my zip code, you can choose to believe me or not, but I can assure you I'm telling the truth.
If you make too much for subsidies you are in the top 1/3 of American households by wealth. Lotta rich people problems in this thread.
The subsidy is based on the second-cheapest silver plan available. You were offered $14/mo because that's what you need to pay less than 10% of income on a silver plan. You're misinformed.
BAD "rich" people! HOW DARE THEY complain about getting shafted????
Decent individual plans pre-ACA were often much more expensive than 10% of most people's incomes, especially if you used it. I mean, you're paying for a mortgage, a car and health insurance for less than 20% of your income. How is that not affordable? What would you consider affordable, $50/month?
No. My decent individual plan ONE YEAR AGO cost $575 a month for my husband and me. In January, that plan was canceled and we had to go with a different plan - for $1137 a month and a higher deductible as well.
Now in January, THAT plan is being canceled but we can go with ANOTHER plan, not a PPO (which we need), with a HIGHER deductible, and now NO copays till we meet that massive deductible. But hey, the good news is that the premium stayed the same! WOOHOOOO, IT'S MORE THAN OUR MORTGAGE BUT AT LEAST IT DIDN'T DOUBLE LIKE IT DID A YEAR AGO!
BAD "rich" people! HOW DARE THEY complain about getting shafted????
I don't qualify for a subsidy and I'm not rich. You don't have to be rich to get shafted.
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