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I'm currently paying virtually all of my health insurance contributions to cover someone else. And EVERY insured person is paying to cover cost of the uninsured who end up in ERs (that is $210 billion/year in waste for you... but I guess it is pocket change).
So do you expect the cost of actual care to decrease after this bill passes? Will ER bills decrease since you are no longer "subsidizing" the uninsured? What does this bill do to address health care costs?
You're paying for insurance, but you're not covered?
If you are covered, how much additional above your own premium are you paying for cost sharing?
I won't know if I'm covered, until I get to use it. That is the beauty (if you're opposed to reform or ugliness if for it) of the current system that majority of the America, apparently, loves.
But that is a whole other issue. Are you covered today? Do you know if you're paying more to cover others? No?
Besides, when you try to make a point like that, be sure to include facts like being a part of group insurance versus individual buyer. It is usually the latter kind that suffers the most.
Are you covered today? Do you know if you're paying more to cover others?
Yes, I'm covered with no cap on benefits. And my premiums are less than what's indicated on that CBO chart. If some of my annual premium is also going to cover others then hell, I'm getting one heck of a bargain!
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Besides, when you try to make a point like that, be sure to include facts like being a part of group insurance versus individual buyer. It is usually the latter kind that suffers the most.
The premiums and cost sharing charges the CBO lists are for the just above bare-minimum basic level of coverage on the government's insurance exchange.
I presently pay over $4,000 per year for an Individual Policy with a $5,000 deductible.
A family of 4 getting insurance for $5,000 doesn't sound so bad to me.
While it may look good on paper..does that family of 4 have an extra $5K per year to spend on just premiums ? Some may but I'll wager a good many of them don't have that type of extra money laying around.
Don't forget to take retirement/college long term savings into account when you look at that $54K income..that's 2 kids to put through college.
While it may look good on paper..does that family of 4 have an extra $5K per year to spend on just premiums ? Some may but I'll wager a good many of them don't have that type of extra money laying around.
Don't forget to take retirement/college long term savings into account when you look at that $54K income..that's 2 kids to put through college.
I'm sorry. I've edited that post since you copied it. Upon reviewing the document I realized that the information that he posted is incorrect.
A family of 4 making $54,000 would pay $5,000 premium but it would be 72% subsidized which makes the premium $1100.
There are also Tax Credits for Small Businesses who provide their employees Health Insurance.
Yes, I'm covered with no cap on benefits. And my premiums are less than what's indicated on that CBO chart. If some of my annual premium is also going to cover others then hell, I'm getting one heck of a bargain!
Your no-cap of benefits don't mean a thing if your insurance company decides to purge you with excuses that they have been making for a lot of people. But, let us focus on costs, since you brought it up.
According to CBO, the cost will go down for most people. You seem to have cherry picked those whose premium might. This will be a fraction of people who buy their own insurance. It is not, as if, they are not feeling the pain, as you may have heard about the realities where people have seen there insurance cost go up by as much as 39%! But, why should one worry, right?
Having said that, let us assume no reform happens. Where does CBO put your health insurance costs in the same time frame?
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The premiums and cost sharing charges the CBO lists are for the just above bare-minimum basic level of coverage on the government's insurance exchange.
Aah, the insurance exchange... how can a free market idea work? It must be a terrible idea to let people pool and shop for the best insurance that fits their need.
Does CBO suggest that overall cost of health insurance will come down, while covering more people? No?
It looks like a family of 4 making $54,000 would pay a premium of $4,000 but it would be 72% subsidized. That makes the premium $1120.
No - look at the final column where it indicates the total dollar amount and the percent of income that would be. That is the total cost.
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