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This is why health insurance should be completely separated from employment. The opaque nature of employment offered health insurance allows people to ignore the ever rising costs of health care, and it's bad for small businesses which are finding themselves unable to compete with large multinationals who can afford the outrageous costs.
I agree completely, health insurance should be separated from employment. Were that to happen, people who found themselves having to purchase their own insurance for the first time (without subsidies) would be stunned at the true cost--something you and I and everyone else who is self-employed have known forever. All the people who whine that people who get subsidies are leeches would realize that they've been leeches themselves all along.
I agree completely, health insurance should be separated from employment. Were that to happen, people who found themselves having to purchase their own insurance for the first time (without subsidies) would be stunned at the true cost--something you and I and everyone else who is self-employed have known forever. All the people who whine that people who get subsidies are leeches would realize that they've been leeches themselves all along.
As someone on the individual market for 15 plus years.
All the ACA has jacked up costs for most people under age 50. It's the simple truth.
Either premiums are jacked up to maintain the same deductible. Or deductibles almost doubled to maintain same premium.
I've said time and time again. The liberal media is fooling so many young people. Saying their premiums are low. Look. It's no secret younger and healthier people are the "losers" in the aca.
But the media tries to tell young people they can get "low premiums" for $150/month with a $6000 max out of pocket expense under the aca. But the real truth is most young people could have gotten the same comprensive health plan for $150:month with a $2500 max out of pocket expense without the aca.
No, it was an outright denial in many states, they were not allowed to buy insurance AT ALL, that was my point. The costs of the medications was the reason why people were given the denial from the insurance companies for things like any previous history of taking ADs, acne, and some other non life threatening conditions. The companies feared that person could end up being too expensive. Your state offered protections, many did not.
In some states those denied people could then turn to high risk pools, but that was up to 1 year on the waiting list with no insurance, then if they were accepted they could pay double for a plan that still had a 12 month exclusion. For most those plans were impossible to afford.
Health insurance is very important to many starting a business. Responsible people insure their families, but in many states any illness in that family would have made this impossible.
My point is most likely less than 1-2 million people out of 300 plus million people are really affected by pre existing condtikns on the individual market.
Yet the ACA has forced 1-2 million people off health care plans. (Not the 5-7 million plans terminated). I am talking about 1-2 million people who were previously insured having been priced out of the insurance market.
So to help out 1-2 million with pre exisoting conditions. You force 1-2 million off insurance. How the heck is that helping people?
As someone on the individual market for 15 plus years.
All the ACA has jacked up costs for most people under age 50. It's the simple truth.
Either premiums are jacked up to maintain the same deductible. Or deductibles almost doubled to maintain same premium.
I've said time and time again. The liberal media is fooling so many young people. Saying their premiums are low. Look. It's no secret younger and healthier people are the "losers" in the aca.
But the media tries to tell young people they can get "low premiums" for $150/month with a $6000 max out of pocket expense under the aca. But the real truth is most young people could have gotten the same comprensive health plan for $150:month with a $2500 max out of pocket expense without the aca.
But that's the thing. There have always been losers with insurance and healthier people typically were losers in the past but now it's bigger. To get the sicker people who had conditions that their medicine was too much for insurance to pay for as well as recovering from say cancer or something, they needed healthier people and younger people to offset. In a way, that too was ALWAYS the case but it was nowhere near the extent of today due to how many people who had "pre-existing conditions" couldn't get traditional insurance.
This disgusts me to have to say something that looks to be on the side of Obamacare, but using the court in this manner to overturn the law is the wrong way to do it. Heck the plaintiffs here are all eligible for insurance in other ways, so clearly they are political operatives. This bad law was passed by congress, then signed by Obama making it legal. Using courts to change or make law is something liberals do. Further empowering the courts is not something any conservative should be happy about. I support changing or repealing Obamacare the RIGHT way, and that is by using the legislative process just as our constitution prescribes. I just cannot support the effort to bring down this bad law by giving these robbed power grabbers more authority. Don't get me wrong, I detest the socialism of Obama and his health law but lets get rid of it in a way that doesn't actually further increase the authority of the liberals favorite branch of government, the courts.
My point is most likely less than 1-2 million people out of 300 plus million people are really affected by pre existing condtikns on the individual market.
Yet the ACA has forced 1-2 million people off health care plans. (Not the 5-7 million plans terminated). I am talking about 1-2 million people who were previously insured having been priced out of the insurance market.
So to help out 1-2 million with pre exisoting conditions. You force 1-2 million off insurance. How the heck is that helping people?
In my state plan prices remained about the same, so no one who previously had insurance was forced off due to price. I found a plan with a lower deductible for about the same price. Overwhelmingly, the people in my nationwide self employed network feel this was a positive for them, it gave us the freedom to be out there building businesses, providing a service, hiring workers, and making our communities, and the economy better, we should not have to give that up in order to insure our families. As another poster stated, within five years it's estimated that 40 percent of Americans will be independent contractors, most of those will benefit, and the more people who are buying health insurance the bigger the pool.
I have already stated I do not think the ACA was a good way of doing things, but no one else did anything. If someone has a better plan, a real plan that could be put in place the second the ACA were repealed, I'm ready to listen. #1. Health insurance should not be tied to employment, this system lacks transparency of price, and has caused insurance, and health care prices to increase unabated. Most Americans have no stake in what health insurance, or the procedures it pays for costs.
As someone on the individual market for 15 plus years.
All the ACA has jacked up costs for most people under age 50. It's the simple truth.
Either premiums are jacked up to maintain the same deductible. Or deductibles almost doubled to maintain same premium.
I've said time and time again. The liberal media is fooling so many young people. Saying their premiums are low. Look. It's no secret younger and healthier people are the "losers" in the aca.
But the media tries to tell young people they can get "low premiums" for $150/month with a $6000 max out of pocket expense under the aca. But the real truth is most young people could have gotten the same comprensive health plan for $150:month with a $2500 max out of pocket expense without the aca.
I've been in the individual market almost 20 years. The price increases is mainly only those in their twenties in perfect health, and those young people are going to age, and many will develop health concerns.
I've been in the individual market almost 20 years. The price increases is mainly only those in their twenties in perfect health
Wow. No. MAJOR price increases on those of any age who are healthy and only need catastrophic insurance. SO many people were screwed by the ACA that it has ALWAYS remained unpopular.
Once again, the responsible (those who've deliberately acted to remain healthy and fit) are punished to pay for those who have zero to no self-discipline.
I've been in the individual market almost 20 years. The price increases is mainly only those in their twenties in perfect health, and those young people are going to age, and many will develop health concerns.
It's also for people in their 30s and 40s. Not just 20s.
I agree completely, health insurance should be separated from employment. Were that to happen, people who found themselves having to purchase their own insurance for the first time (without subsidies) would be stunned at the true cost--something you and I and everyone else who is self-employed have known forever. All the people who whine that people who get subsidies are leeches would realize that they've been leeches themselves all along.
It's called a benefit. Why punish people who earned something because you don't like it?
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