Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
But let me guess, she would not hesitate to take a car loan costing that much, right? That is not subsidized-as I assume at her income, she uses the standard deduction.
And there will be tax subsidies up to 4x poverty level and 35k is below the 4x threshhold.
P.S. A good, yet comparable employer plan, at COBRA, exceeds $600 per month. This quasi e-bid process got folks better pricing..forced insurers to sharpen their pencils.
Obamacare be crimpin my style. Gotta have priorities, nah meign.
Joking aside, it is rather annoying. My $120/month medical insurance was quite fine. Since the spreads reduced significantly, I'll probably just buy prepaid medical care instead of insurance come 2014.
But let me guess, she would not hesitate to take a car loan costing that much, right? That is not subsidized-as I assume at her income, she uses the standard deduction.
And there will be tax subsidies up to 4x poverty level and 35k is below the 4x threshhold.
P.S. A good, yet comparable employer plan, at COBRA, exceeds $600 per month. This quasi e-bid process got folks better pricing..forced insurers to sharpen their pencils.
No she wouldn't. She drives an 8 year old car she bought for cash. Even then, the car payments stop, this will go on in perpetuity. I know that once you get used to paying it, it won't matter, it's just a blow to the budget adding $300 a month to expenses.
No she wouldn't. She drives an 8 year old car she bought for cash. Even then, the car payments stop, this will go on in perpetuity. I know that once you get used to paying it, it won't matter, it's just a blow to the budget adding $300 a month to expenses.
and when the 8 year old car dies she'll have saved thousands to buy another one for cash, right?
We're on a pace for 15 million+ new car sales, but expect folks to spend slightly less per month on their bodies, and they say "No", knowing unlike a car, they cannot be refused service at a hospital.
No she wouldn't. She drives an 8 year old car she bought for cash. Even then, the car payments stop, this will go on in perpetuity. I know that once you get used to paying it, it won't matter, it's just a blow to the budget adding $300 a month to expenses.
And yet it's part of growing up. Kind of like rent/mortgage is. Blow to the budget to leave mom's basement, sure.
We can offer nothing of interest to someone beholden their own personal preference and unwilling to grant that any reasonable person could possibly hold a different perspective from them.
One of the modern realities exemplified by discussions on the ACA and other controversies is that wing nuts on either end see moderation as extremism from the other side.
One year from now should reveal if the ACA truly is a miracle cure, or if it truly is a disaster. Until such time, the debate for and against will continue.
There are Obama followers who will continue to applaud everything he does, no matter what the outcome. And there are those who will continue to claim our country is quickly going down the tubes.
and when the 8 year old car dies she'll have saved thousands to buy another one for cash, right?
We're on a pace for 15 million+ new car sales, but expect folks to spend slightly less per month on their bodies, and they say "No", knowing unlike a car, they cannot be refused service at a hospital.
What does this have to do with a car? Yes, she does. We watch where every dollar goes. She was unemployed for a while and now that she is back working, we save about half of her paycheck.
I wasn't implying that we shouldn't spend money on healthcare. I think we should. What doesn't make sense for me is spending $250 give or take for a $6350 deductible policy where the insurance doesn't kick in until you pay the $6350 deductible. That's what I think is absurd. That's almost $10K out of pocket for nothing really. Yes, you could go with the platinum plan, but that will run another $100. How is this affordable is what I"m asking? They expect us to shell out $10K and call it affordable? $350/month is a good chunk of change for a lot of people. And some other people already mentioned it, but some people will go for the lowest premium not realizing they don't get any coverage until they pay up $6350. That will be a shock for sure.
Let me preface this by saying I've been uninsured for years and am one of those who will be maligned by many of you for playing a game of "Russian Roulette" with my health. I'm currently working as an independent contractor for a small business, and, thus, am ineligible for health care coverage through my employer, which is why I haven't already elected coverage on my own.
I'm 26. I'm a male. I earn roughly $40,000 per year. I'm healthy with no pre-existing conditions and exercise regularly. Am I understanding correctly that even though I SHOULD be considered a "low-risk" demographic to a health insurer my demographic is actually about to endure the greatest percentage HIKE in premiums under the Affordable Care Act? Can someone please explain this to me?
I know with car insurance I received a premium decrease when I turned 26 because I shifted into a lower-risk demographic for auto insurers. That makes sense. "Hey, statistically this client of ours is now less likely to be in an accident and incur costs for us, so let's cut his rate a bit."
Similarly, if I'm in a low-risk demographic for health insurers, then why am I being burdened with higher premiums? Other than going to MedExpress last summer for treatment of a severe sunburn (which I paid for myself) I haven't required any form of medical care in the past several years. It seems like pure socialism to expect me to pay more to subsidize less healthy demographic groups. Obviously a 63-year-old woman with ovarian cancer may have very well done nothing wrong to incur her unfortunate illness; however, why should I pay more to offset the health costs of an obese 43-year-old man who is recovering from cardiac arrest related directly to his obesity? Is this really why I'm going to be paying sky-high premiums while being an otherwise healthy young male leading a healthy lifestyle?
What does this have to do with a car? Yes, she does. We watch where every dollar goes. She was unemployed for a while and now that she is back working, we save about half of her paycheck.
I wasn't implying that we shouldn't spend money on healthcare. I think we should. What doesn't make sense for me is spending $250 give or take for a $6350 deductible policy where the insurance doesn't kick in until you pay the $6350 deductible. That's what I think is absurd. That's almost $10K out of pocket for nothing really. Yes, you could go with the platinum plan, but that will run another $100. How is this affordable is what I"m asking? They expect us to shell out $10K and call it affordable? $350/month is a good chunk of change for a lot of people. And some other people already mentioned it, but some people will go for the lowest premium not realizing they don't get any coverage until they pay up $6350. That will be a shock for sure.
That's a good point. It does feel like paying A LOT of money for nothing. It would be one thing if $300/month was your total health care expense. It's another when it is only a small part of it.
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
Terrified!
