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Actually, ACA makes "freeloading" easier. If you are healthy, you can pay the 1% fine and not be insured at all. Once you get sick, you can easily get insurance since insurance companies can no longer deny you based on pre-existing conditions.
That's correct and an excellent point!
The only thing that a person would have to do is wait until the next open enrollment period to get insurance (which will be Nov something to Dec something every year, except for the current open enrollment period, which is extended into March, 2014.)
I agree with you regarding the "very bad problem". I was a supporter of ACA before seeing these rates.
This has always been my chief complaint about the ACA from the beginning (and as I work in the healthcare industry, I have read the thing) - the primary focus is on making healthcare more affordable by finding ways to pay for it, as opposed of looking at ways to reduce the base cost of healthcare services in the first place in order to make them more affordable.
Actually, ACA makes "freeloading" easier. If you are healthy, you can pay the 1% fine and not be insured at all. Once you get sick, you can easily get insurance since insurance companies can no longer deny you based on pre-existing conditions.
1% is the first year, then every year after that the fine increases.
Actually, ACA makes "freeloading" easier. If you are healthy, you can pay the 1% fine and not be insured at all. Once you get sick, you can easily get insurance since insurance companies can no longer deny you based on pre-existing conditions.
Makes you wonder why we don't fix that instead of shutting down the gov't. Better yet, let's just get on with single-payer. Clearly, this attempt to meet conservatives halfway didn't pan out.
This has always been my chief complaint about the ACA from the beginning (and as I work in the healthcare industry, I have read the thing) - the primary focus is on making healthcare more affordable by finding ways to pay for it, as opposed of looking at ways to reduce the base cost of healthcare services in the first place in order to make them more affordable.
And this is exactly what should have been done first. I have no idea how not for profit hospitals can justify that they provide ethical healthcare with the inappropriate use of multiple investigations (to name one) or their charges - for things like MRI scans and drugs during inpatient stays to name just 2.
We are still waiting to be verified to get access to a quote. I'm sure they include us in their 500k applicants but certainly don't explain many still don't have full access to the site. Originally they asked my husband to email a copy of his DL. Easy enough. He snap a picture with his cell and sent it over. Waiting patiently we finally called only to be told he had to do. 3 way call with Experian. Tried that but call volume was too high. Called back to try again. Was told he did not have to do Experian call. He just needed to wait for the original DL picture to be verified. Waited patiently. Called again. Was told the DL picture would not work and neither would the Experian call. We had to snail mail in a copy of his DL. We are now waiting again. Who wants to bet they will claim "they never received it"? This whole thing stinks. Comparing our current $10k deductible Aetna plan to a BCBS plan with slightly less benefited we will go from $415 to $750 a month for our family of 4. Love paying more for less AND crappy service. It gives me the sadz.
We are still waiting to be verified to get access to a quote. I'm sure they include us in their 500k applicants but certainly don't explain many still don't have full access to the site. Originally they asked my husband to email a copy of his DL. Easy enough. He snap a picture with his cell and sent it over. Waiting patiently we finally called only to be told he had to do. 3 way call with Experian. Tried that but call volume was too high. Called back to try again. Was told he did not have to do Experian call. He just needed to wait for the original DL picture to be verified. Waited patiently. Called again. Was told the DL picture would not work and neither would the Experian call. We had to snail mail in a copy of his DL. We are now waiting again. Who wants to bet they will claim "they never received it"? This whole thing stinks. Comparing our current $10k deductible Aetna plan to a BCBS plan with slightly less benefited we will go from $415 to $750 a month for our family of 4. Love paying more for less AND crappy service. It gives me the sadz.
How can a plan have less benefits than a $10k deductible? I'm assuming you're shopping on the Exchange because you will get a subsidy. If so, the $750 a month will be less than that. If not, why not just stick with your current plan?
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