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I just paid my wifes new premium for 2014. Same policy went up about 30% and thats because we are outside the 400% FPL.
People can complain all they want about how everyone is paying more for the ACA but most arent.
This is hilarious.
The leftist BS has come full circle.
Not long ago during the GWB administration, the media and other leftist fanatics were screaming how badly everyone was doing. Never mind that unemployment was 5% and inflation and interest rates were low. Nearly every person they asked said they were doing well, and they couldn't even name a close acquaintance who had been laid off, had their hours reduced, or gotten their house foreclosed. But they were all convinced that lots of people, somewhere, were having all those difficulties and more. And so our economy must be in terrible shape!
Now here we have the same leftist fanatics telling us that Obamacare ain't so bad after all. Never mind the millions who have been kicked off the policies that they preferred and have served them well for years. Never mind that now they can't find policies they can afford or deductibles that will put them in the poorhouse. And the leftist fanatics themselves are admitting that their new Obamacare policies are costing 30% more. But they are sure that somebody somewhere out there is doing better... but they can't name one. But Obamacare must be a boon. It must, it must!
These leftists just keep moving from one alternate reality to the next, without ever stopping to take a deep breath, or looking around at what is actually going on.
Ten years ago the media and other leftists were swearing the country was in bad shape, though they themselves were doing fine and so were all their friends.
Now they are insisting things (especially health care) are doing fine, even though stories are flooding in about people in bad trouble with rising costs and govt penalkties if they don't obey... including the leftists themselves.
Will these silly people EVER start noticing what their policies are doing to actual, normal Americans?
Or will they just go on, believing their own lies, and telling everyone that the bad results are someone else's fault?
I never got the whole deductible thing. Health insurance is such a scam. It's just not worth having anymore. Why should you have to pay a premium each month and an extra $5,000 a year before the insurance covers anything? Doesn't seem fair. I think it would be best if they got rid of deductibles altogether and just had everyone pay premiums each month and covered 80 to 90 percent of healthcare costs.
You'll have to get rid of pro-profit insurance. Co-pays and deductibles help pay the dividends. Non-profit is the way to go. Profits are made by those in the industry, not some shareholder sipping martinis in the Bahamas.
The higher the deductibles, the less premium.
But let's review what this is doing.
To keep monthly budgets inline with income, many middle class are opting to a higher deductible.
Our plan went from an already high of $5000 deductible and it was like not having insurance, to now a $10,000 deductible, that I would never be able to meet, if I had an hourly or salary job. How could you meet your monthly budget when you just make it month to month. There goes a car payment... Savings for the kids college, gone. Winter heating bill? May need to make your own fireplace! and get a saw and axe.
This bill was not about our healthcare. Not one bit about healthcare. Healthcare.gov is very misleading. It should be Insurance.org.
This is nothing but to make insurance companies money, not to lower any cost or better more efficient healthcare. It has noting to do with healthcare, when you pay a high premium, and still have to pay for all the doctor bills.
The rich can afford higher deductibles, but the middle class cannot, so they are out of pocket more putting them further toward the impoverished. 2 class society is the goal.
The insurance companies profits are capped at 20% of premiums in the bill;so that is out. Its really a wealth sharing scheme from middle class to rich paying the bill along with younger people who get no real value for their money .But they will in time as its like SS.I the end its central controlled healthcare that says at this level you spend this amount of income and at that level this amount. The riches cannot only affords it more but that depends on what is rich .The top will just adjust investments to new reality has they have in this recession and middle class that can will also.Yep socialist control ends in two class and often collapse because many workers stop producing when it doesn't mean anything and the top still gets theirs off top by political control of fruits. We have been wealth sharing since mid 60's and numbers of middle class has been dropping since.
The insurance companies profits are capped at 20% of premiums in the bill;so that is out. Its really a wealth sharing scheme from middle class to rich paying the bill along with younger people who get no real value for their money .But they will in time as its like SS.I the end its central controlled healthcare that says at this level you spend this amount of income and at that level this amount. The riches cannot only affords it more but that depends on what is rich .The top will just adjust investments to new reality has they have in this recession and middle class that can will also.Yep socialist control ends in two class and often collapse because many workers stop producing when it doesn't mean anything and the top still gets theirs off top by political control of fruits. We have been wealth sharing since mid 60's and numbers of middle class has been dropping since.
So they have to go for quantity here..get lots of people signed up..hence the "mandate".
This is the last piece of the FIRE economy that hasn't seen it's bubble blow up yet.
Wait, your policy went up 30%, but you find it hard to believe "most people" havent seen increases.. How does one come to this conclusion, especially if it affects you directly?
The only rates that are known are the ones listed for people participating in the ACA and thats only 7 million people or less. Medicare spending for example isnt changing is it? The PPO's are still there. We wont know until later this year how much rates will increase. The only number we know are the people participating in the ACA. Most people in the ACA will be paying less and about 25% of a small number will pay more. At this point most people havent seen increases. In a month or two we will know more. I am just pointing out the flaw in the ACA and that is some people will pay more.
I just paid my wifes new premium for 2014. Same policy went up about 30% and thats because we are outside the 400% FPL.
People can complain all they want about how everyone is paying more for the ACA but most arent. People who are paying more are the people who had already high policies bought on the open market. Thats a small percentage of the people who are insured and its a smaller number who are now paying more because they are outside the FPL. The funny thing is I am almost on a cadillac plan with no deductible and very small copays through my employer for just a little more money. Their is no way the ACA is going to run out of money as many predict. The insurance companies kind of remind me of some of the investment scams where they promise a return on all the profits,except they never make a profit. In this case the insurance companies are supposed to spend 85% of the money on health care. The way they cook the books and are allowed to set aside money most people wont get a return. Now my insurer has set aside more than a billion dollars. The coming year should be interesting though.
At this point most people havent seen increases. In a month or two we will know more. I am just pointing out the flaw in the ACA and that is some people will pay more.
Then you've not been talking to the self employed who's been hit hard over the last 3 months.
I've talked to dozens whose price has gone up and yet to hear of anyone (in real life) who's getting a better deal.
Of course the ones I've talked to are the low to middle middle class.
Then you've not been talking to the self employed who's been hit hard over the last 3 months.
I've talked to dozens whose price has gone up and yet to hear of anyone (in real life) who's getting a better deal.
Of course the ones I've talked to are the low to middle middle class.
For most people the premiums have been going up double digits since the bill was passed to "get ready" for 2014.
My insurance had been going up 10% annually and went up 20% annually once Obamacare was passed.
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