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If the federal government determined the subsidized silver plan buyers can only afford $828 for an entire year's insurance premiums, how are they supposed to be able to afford the $3,000 and $6,000 annual deductibles?
The cheapest Bronze plan that I can find comes with a $6250 deductible per person or $12,500 for the entire family. This is in CO.
The average deductible for a Bronze Plan ( 40/60 plan) is $5181 for an indidividual and $10,545 for a family of any size. The cost of all plans vary state to state and within state. While all plans have to comply with a national baseline, including a cap on out of pocket costs which include deductibles, co-pay and co- insurance) they also must comply with state laws. For example, adult children must be covered through age 30 in NJ which was the standard before the ACA.
The lowest cost Bronze Plan in California comes in at $6,250 while Ohio comes in at $2600. The differences in cost of living and state insurance laws matter.
The average deductible for a Bronze Plan ( 40/60 plan) is $5181 for an indidividual and $10,545 for a family of any size. The cost of all plans vary state to state and within state. While all plans have to comply with a national baseline, including a cap on out of pocket costs which include deductibles, co-pay and co- insurance) they also must comply with state laws. For example, adult children must be covered through age 30 in NJ which was the standard before the ACA.
The lowest cost Bronze Plan in California comes in at $6,250 while Ohio comes in at $2600. The differences in cost of living and state insurance laws matter.
Really? I live in a low cost of living state and our deductible is $5,000 a year (DOUBLE my deductible before Obamacare).
The grandfathered plans (that don't qualify) are no longer being allowed. . its not like 200k are "losing" they are just forced to pick a different plan.
On the whole, the number of enroll into health insurance has increased dramatically since the ACA launched.
Its like saying you get insurance for your car that only covers the wheels. Then your pissed off when the state says that ONLY covering the wheels doesn't count for car insurance.
I'm all for killing EVERY grandfathered plan asap.
I don't care what political nonsense Obama stated. . .or how it was taken out of context (i'm pretty sure he was saying if you want to keep your employer plan; you can. . .you won't be forced to move to an exchange by a govt action.)
Quote:
Originally Posted by petch751
The fallout continues from the president's dishonesty. And the rest of America is suffering because of it.
200,000 residents of Colorado who recieved a waiver on Obamacare mandated coverage on their old insurance policies when it was revealed that the president lied about consumers being able to keep their insurance policies if they liked them. People are up in arms about it.
"Obama lied to the American people and now Colorado families are being forced to bear the burden of that lie. Republicans are arguing that people who want to stay on their old plans should be able to.
I live in a high cost of living state and wages don't necessarily reflect that. So we have higher costs, including health insurance yet the income doesn't really make up for it. Great.
The grandfathered plans (that don't qualify) are no longer being allowed. . its not like 200k are "losing" they are just forced to pick a different plan.
On the whole, the number of enroll into health insurance has increased dramatically since the ACA launched.
Its like saying you get insurance for your car that only covers the wheels. Then your pissed off when the state says that ONLY covering the wheels doesn't count for car insurance.
I'm all for killing EVERY grandfathered plan asap.
I don't care what political nonsense Obama stated. . .or how it was taken out of context (i'm pretty sure he was saying if you want to keep your employer plan; you can. . .you won't be forced to move to an exchange by a govt action.)
First, I provided "my own insurance", no employer plan. AND the Obamacare plan is NOT as good as mine and cost more. Oh but no worries, I get to subsidize someone else's insurance, someone else's kids. And I'm supposed to be happy about it all?
The cheapest Bronze plan that I can find comes with a $6250 deductible per person or $12,500 for the entire family. This is in CO.
I just checked in the Denver zip code area and a 45 year old female can purchase a Kaiser plan with a $4500 deductible for $237 a month. The same 45 year old can purchase a Human plan with a $3650 deductible for $275. A family of four can be covered for $683 without any subisidies. I have a hard time believing that a 45 year old woman could have found insurance for less than $237 pre-ACA.
Ah, that's why you don't understand the problem. The policies sold on the Obamacare exchanges have very high deductibles. And those who need the subsidies to be able to afford to buy insurance have to buy them on the exchanges.
Sure, those 86% are getting subsidies to buy insurance, which maybe they weren't able to afford before, but how in the hell are they ever going to be able to afford those $5,000 or $10,000 deductibles?
So... it's better to let them go on without insurance? I have a relative that had spinal surgery. The total cost was about $150k. Of that, she was responsible for about $10k of it. Are you telling me it was better for her to be responsible for all $150k than having to pay the $10k?
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