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I'm 31, Female in Florida. The government site has been down all day so I went on the CT site, where I used to live. The cheapest plan for me was $286 for a $5000 deductible, $30 copay for doc visits and $150 for emergency room. So I look at the plan details and all doctor appointments except the preventive care are copay AFTER deductible. This doesn't make sense. Who in their right mind is going to pay $286 dollars a month to basically get nothing before shelling out another $5k! Am I missing something?
I've looked at plans on ehealthinsurance.com a few weeks ago and I pay the same premium as above, but get doctor's visits with a copay BEFORE deductible. Not maternity of course or pre-natal and some other things which the ACA plans must have.
But how is that ACA plan "affordable." Might as well take my chances and pay the penalty. That's over $8K a year spend on medical insurance before any insurance even kicks in!
I've looked at plans on ehealthinsurance.com a few weeks ago and I pay the same premium as above, but get doctor's visits with a copay BEFORE deductible. Not maternity of course or pre-natal and some other things which the ACA plans must have.
But how is that ACA plan "affordable." Might as well take my chances and pay the penalty. That's over $8K a year spend on medical insurance before any insurance even kicks in!
It's not affordable at all. In fact, it's a scam to bankrupt all Americans and all businesses. You'd best hope that your insurance company hangs on.
The corporations who got an exemption and no longer have to provide health coverage just shifted all the expense to the employee. What a great idea. The really poor will benefit going from nothing to something and the really rich will buy private insurance with excellent coverage...the middle class is screwed. They just don't all know it yet.
As always with liberal Govt., those who can pay, must pay for themselves ... and also for those who can't or won't pay. --- It's really not that complicated --After all, the government doesn't produce anything but, debt!
I'm 31, Female in Florida. The government site has been down all day so I went on the CT site, where I used to live. The cheapest plan for me was $286 for a $5000 deductible, $30 copay for doc visits and $150 for emergency room. So I look at the plan details and all doctor appointments except the preventive care are copay AFTER deductible. This doesn't make sense. Who in their right mind is going to pay $286 dollars a month to basically get nothing before shelling out another $5k! Am I missing something?
I've looked at plans on ehealthinsurance.com a few weeks ago and I pay the same premium as above, but get doctor's visits with a copay BEFORE deductible. Not maternity of course or pre-natal and some other things which the ACA plans must have.
But how is that ACA plan "affordable." Might as well take my chances and pay the penalty. That's over $8K a year spend on medical insurance before any insurance even kicks in!
It is quite simple. The government is trying to FORCE the young and the healthy into 'The program' so as to subsidize the health care of those who are older or not as healthy.
You pay, so that the others do not have to pay. (Or pay as much)
As always with liberal Govt., those who can pay, must pay for themselves ... and also for those who can't or won't pay. --- It's really not that complicated --After all, the government doesn't produce anything but, debt!
Who do you think was paying for them before the ACA?
I'm 31, Female in Florida. The government site has been down all day so I went on the CT site, where I used to live. The cheapest plan for me was $286 for a $5000 deductible, $30 copay for doc visits and $150 for emergency room. So I look at the plan details and all doctor appointments except the preventive care are copay AFTER deductible. This doesn't make sense. Who in their right mind is going to pay $286 dollars a month to basically get nothing before shelling out another $5k! Am I missing something?
I've looked at plans on ehealthinsurance.com a few weeks ago and I pay the same premium as above, but get doctor's visits with a copay BEFORE deductible. Not maternity of course or pre-natal and some other things which the ACA plans must have.
But how is that ACA plan "affordable." Might as well take my chances and pay the penalty. That's over $8K a year spend on medical insurance before any insurance even kicks in!
Yeah, I've yet to hear from anyone saying the exchanges are actually really any cheaper when including the afforded by the taxpayer subsidy for the low-income. It's really only for people who have pre-existing conditions or who are poor and have it paid for by someone else. I mean, it makes sense that it's more expensive with pre-existing conditions.
I finally got to check the FLA policies. The only ones that make sense are about $300. Is that a lot? I have always gotten insurance through work, but my GF currently is uninsured so I'm looking for her, we are the same age. She doesn't make much, so she's been getting healthcare through the county on a sliding scale. Really doesn't make sense to shell out $3600 when she doesn't even come close to that in yearly spending. I guess we are insuring for the unpredictable?
No real change there! ACA has simply added another huge layer of bureaucracy to the mix.
Yes, there is change......good change.
Instead of some people paying nothing toward their care.....they are now going to be contributing.
Instead of eating up thousands of dollars in ER care for things like colds and the flu.....they can see a doctor instead.
Also, many will be much more likely to seek out medical care long before their health problem has escalated into a major illness. For instance, it is much cheaper to treat high blood pressure than a stroke.
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