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It was not a broken promise nor a lie. You have the right to keep your health insurance policy; but your insurance carrier has the right to cancel your policy.
They cancel them to comply with ACA which he promised wouldn't happen.
He was right and you are wrong. You are the one that does not understand how it works. I am here to help. There are two terms that you are confusing. First there is the deductible and then there is the maximum out of pocket. The deductible must be satisfied before the plan starts to pay benefits. Once the deductible is satisfied, then the insurer and insured share the costs of any additional services at some percentage level until the maximum out of pocket is reached. In the case of Obamacare, deductibles can be anywhere for 0 to $6,350 depending on plan (for a single person, double for family coverage). The maximum out of pocket can never be more than $6,350 single/$12700 family. Like deductibles, max of pockets varies a lot with the policy you choose. But in the final analysis, no matter which plan you buy, you will never pay more than $6350/$12700 plus premiums in a year - NEVER!.
Now to add a wrinkle of confusion to the picture, some policies offered on the exchanges have copays for going to the doctor, or for prescriptions where the deductible is "waived". You just pay the copay. In fact, this is common with most non-HSA offerings on the exchange in my state. HSAs are not allowed to do this - everything must be subject to a deductible.
I have confused nothing. More importantly, you have not provided anything here that is not common knowledge. The bottom line is that the deductible is the deductible. Outside of whatever co-pays the plan requires, which vary from plan to plan, a person will be required to meet the deductible before meaningful insurance coverage kicks in. It's called risk sharing, and that's the whole point.
Not sure why you felt the need to state the obvious. I certainly did not need it.
Don't forget max out of pocket (or confuse the terms as AeroDC did). There is a limit to what you have to pay per year in all plans now and it is never more than $6350/12700 no matter which policy someone buys. Many are much less than that, none are more. And a practice that was common prior to Obamacare is now illegal: that of not counting copays for services and prescriptions in the max out of pocket. Now, max means max.
This is all true and you are correct. I don't want to confuse the issue further.
I just get frustrated as I know damn well the ACA haters know the truth about the numbers and how they are applied but deliberately throw the numbers out in a misleading way to further demonize the ACA.
Just like they keep bringing up the fact that men have to pay for women's maternity care now. As if that was something new. All employer provided insurance pools had men paying for maternity care if it was a covered item in the policy and employer provided insurance accounts for 83% of all insurance issued. The employer insurance pool wasn't divided into two separate pools. One for men and one for women.
It was not a broken promise nor a lie. You have the right to keep your health insurance policy; but your insurance carrier has the right to cancel your policy.
It was a lie through and through.
"If you like your plan, you can keep your plan. Period."
There is no qualifier for "Period." That is the qualifier.
You also used the silver plan which was about $3600 per year. The bronze plan was $1800 per year or $150 per month. We are talking insurance here, insuring against a catastrophe.
Actually it's the republicans who are counting on people not understanding. Almost every thread submitted by republicans on C-D is misleading, biased or down right untrue. Every posted thread by republicans is designed to mislead for the purpose to kill the ACA and hang the president from the nearest tree at the soonest possibility.
I would probably be speechless in surprise if there appeared one thread from a republican offering an actual PLAN on how to fix the economy, how to stop the health care crisis in the nation and how to stimulate the economy and jobs.
Those plans require increased taxes across the entire spectrum which would change the regression coefficient. That is off the table in the liberal mindset. So we chug along.
Your post is just as misleading as the post about deductibles you suggested was misleading. Every plan has slightly different co-pay requirements, so its impossible to make a claim that "most normal services are co-pay." For those whose "normal services" aren't covered under the co-pay, the $12,700 deductible becomes a potentially insurmountable barrier that effectively nullifies the role of insurance.
That's the point. You can't discount that fact, because that's the entire reason for a deductible: to lower the risk for the insurance company while increasing the risk for the insured.
The way you post your figures you make it sound like nobody gets any insurance coverage whatsoever until they pay 12,700 out of pocket. this is absolutely not true to any degree, no matter how you spin it.
The website is fixed, enrollments are surging. It looks like this week's payroll number is going to be good. Give it a month and he will be back to his usual.
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