Effect of Obamacare on North Carolinians Specifically (Charlotte: appointed, credit)

[netbrad]

Originally Posted by topchief1

....if the state government refuses to allow for additional features designed to bring the cost down for the residents they supposedly represent, then it IS their fault. Am I the only one who sees that as an obvious statement?

Except that has not been the case in states with exchanges. Costs went up for everyone. So the choice is expensive with no exchanges, or even more expensive with exchanges. Either way the ACA screws everyone. But don't take my word for it:

http://www.forbes.com/sites/theapoth...amily-of-four/

[southbound_295]

Originally Posted by netbrad

Except that has not been the case in states with exchanges. Costs went up for everyone. So the choice is expensive with no exchanges, or even more expensive with exchanges. Either way the ACA screws everyone. But don't take my word for it:

Obamacare Will Increase Health Spending By $7,450 For A Typical Family of Four [Updated] - Forbes

In states where the state government has set up exchanges, people have more choices & they are seeing rate decreases. Since this is such a problem for you, go to the KY board & ask them. Then come back & report to us what they are experiencing.

[RedZin]

Originally Posted by netbrad

It was stated numerous times by Obama and his staff that insurance costs would be reduced by $2500 per year. That was a major talking point throughout both of his campaigns. This is clearly not the case.


Obama Promises To Lower Health Insurance Premiums by $2,500 Per Year - YouTube



Until the plan your employer subscribes to is no longer available, or until it becomes more cost effective for your company to stop offering insurance and force you onto an exchange, or cut your hours, or reduce staff. The ACA is making it too expensive for many businesses to offer insurance . 2015 is going to be an interesting year.

Nope. I work in healthcare. Self-insured. My company has been hiring recently.

[netbrad]

Originally Posted by southbound_295

In states where the state government has set up exchanges, people have more choices & they are seeing rate decreases. Since this is such a problem for you, go to the KY board & ask them. Then come back & report to us what they are experiencing.

A small number will see decreases if they qualify for the subsidies or if they are self-employed, but everyone else's rates go up to pay for said subsidies. I would like to see the percentage of who had decreases vs increases. My rates would triple, some folks had theirs double, some don't even qualify for coverage on an exchange. The ACA doesn't deliver what was promised for ALL Americans so yes, it is a problem that the promised cost savings are non-existent for a large number of people.

Originally Posted by meh_whatever

Nope. I work in healthcare. Self-insured. My company has been hiring recently.

Good for you, unfortunately there are thousands of businesses that are not and will not because of the costs associated with the ACA. You saw the stories about the layoffs at the medical device manufacturers, the reduction in hours, etc? The negative fallout from the ACA is not something I am making up, however I have yet to see anyone that supports it acknowledge such fallout.

[southbound_295]

Originally Posted by netbrad

A small number will see decreases if they qualify for the subsidies or if they are self-employed, but everyone else's rates go up to pay for said subsidies. I would like to see the percentage of who had decreases vs increases. My rates would triple, some folks had theirs double, some don't even qualify for coverage on an exchange. The ACA doesn't deliver what was promised for ALL Americans so yes, it is a problem that the promised cost savings are non-existent for a large number of people.

Go to the KY board & ask them. If you continue to whine & don't ask there is no point in engaging with you.

What people are telling you is that there is a negative impact in NC because of the state government's failure to engage. If the state had set up an exchange & people saw the same increases then you could say that it's Obamacare.

Obamacare keeps rates in check. The insurance companies are making up for it in states not enforcing the law. Thank McCrory & the teaparty legislature for your rate increases.

[netbrad]

Originally Posted by southbound_295

Go to the KY board & ask them. If you continue to whine & don't ask there is no point in engaging with you.

What people are telling you is that there is a negative impact in NC because of the state government failure to engage. If the state had set up an exchange & people saw the same increases then you could say that it's Obamacare.

Obamacare keeps rates in check. They are making up for it in states not enforcing the law. Thank McCrory & the teaparty legislature for your rate increases.

How is it whining to point out flaws and broken promises in the ACA? California has an exchange and their prices are astronomical. Exchange plans also have a lower coverage amount, for example the bronze plan only covers 60% of costs after a 5,000 deductible. The Forbes article explained the increase in costs, and other anectodal data shows an across the board increase for the average family regardless of whether there is an exchange. The ACA does not do what it promised, what is so hard to admit about that?

[Carlos_Danger]

Originally Posted by meh_whatever

Nope. I work in healthcare. Self-insured. My company has been hiring recently.

Now I see why you so for Obamacare. Cash coming your way through other's higher premiums and tax dollars from subsidies.


Very sad the people did not get a decent healthcare bill with massive increases in competition and supply to actually lower costs.

[southbound_295]

Originally Posted by netbrad

How is it whining to point out flaws and broken promises in the ACA? California has an exchange and their prices are astronomical. Exchange plans also have a lower coverage amount, for example the bronze plan only covers 60% of costs after a 5,000 deductible. The Forbes article explained the increase in costs, and other anectodal data shows an across the board increase for the average family regardless of whether there is an exchange. The ACA does not do what it promised, what is so hard to admit about that?

CA is on the other coast & you don't know what the costs were before. Go to the KY board & ask. It's close in location & size. If you don't ask, it's only because you're afraid that we might be right.

[Ellen Pitts]

Originally Posted by meh_whatever

No offense, man, but if you are making more than we are then you need to stop whining. Honestly.

If 4 people cannot live off what we make for 5 (and we live in what most would consider a "high-end neighborhood")... I dunno what to tell you man.

Some people are ineligible for the subsidy due to things other than income. My husband is in education and we have four children. His employer does offer health insurance and pays a portion of his policy but not the family. So I had to purchase an individual policy directly through BCBSNC because it was cheaper than putting me on his policy. We also got the healthy lifestyle discount, which helped with affordability.

Now, even though the premium for the policy issued through dh's employer over 9.5% (about 10%) and of our income we don't qualify for the subsidy because it only takes into account HIS portion of the premium, not the whole family premium. At our income level the ACA estimates we can afford 6% of our income based on salary and family size. However, the net effect of this is my individual policy will double and we will be paying about 12.5% of our income on medical insurance. And believe me, it hurts.

I really hate it when I hear people say they don't mind paying a little bit more to help other people who need it. I don't earn enough for my taxes to be impacted, but it still always ends up costing us more instead of helping. Since Obama went into office my grocery bill has gone up $400/month. And my gas bill has gone up about $150/month. Now my insurance is going up $200/month. I've had about all the help I can take!!

[PDD]

Originally Posted by pegotty

Since Obama went into office my grocery bill has gone up $400/month. And my gas bill has gone up about $150/month. Now my insurance is going up $200/month. I've had about all the help I can take!!

If you have an IRA or are invested privately in the Stock market than your portfolio has also increased since Obama became president.

If your not going to give him credit for this (which you should not) than how can you blame him for you other expenses going up?