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Old 01-11-2017, 02:57 PM
 
560 posts, read 453,310 times
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Thanks everyone for the answers. I spoke to my dad insurance who said our policy is Jan 1st 2017 until Jan 1st 2018 and that I'm in the policy currently until I'm 26, however they sent me to HR to ask what happens if the repeal goes through and HR had advised that just like when the ACA went into play it didn't effect the current year that was already in place. They said since it's a policy they won't make changes mid policy so I would be safe for this year.
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Old 01-11-2017, 02:58 PM
 
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Quote:
Originally Posted by ohyellowbug View Post
Thank you. My dad policy renews through his works January 1st. They said I am on the policy until the end of the year and next year would be the issue. They said since they are employer health and my dad pays a good chuck of money they may let me stay even if it's not required as long as my dad wants to to keep paying
It's very nice of your dad to pay your health care. Hopefully you appreciate his assistance.
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Old 01-11-2017, 03:13 PM
 
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Quote:
Originally Posted by shadowne View Post
It's very nice of your dad to pay your health care. Hopefully you appreciate his assistance.
I'm happy he keeps me on. I do pay for all my own doctors visits and care as I should since I do work. I'm glad I have he option to be on his plan. It does save me money even with me paying for my own visits, and medications.
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Old 01-11-2017, 03:14 PM
 
51,654 posts, read 25,828,130 times
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People who have ACA plans may be covered for the year, but the subsidies may be "defunded."

Depends on what Trump and the Republicans pass.

"Like the proverbial dog that caught the car, Republicans in Congress are finding out that repealing and replacing Obamacare is a wee bit more difficult than their campaign slogans suggested. It is not, as Democrats suggest, that the Republicans have no plan — there are plans of virtually every stripe, from straightforward repeal to Obamacare Lite — but they have so far been unable to reach consensus on a proposal that is both good policy and politically palatable.

Rand Paul has put forward a plan that expands Health Savings Accounts to replace many of the current subsidies, eliminates the pre-existing-condition rules, and shifts responsibility for providing insurance for difficult to insure people to the states, "possibly in conjunction with proposals to block-grant Medicaid."

Republican Health-Care Plan: Rand Paul Makes a Good Start | National Review
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Old 01-11-2017, 03:20 PM
 
560 posts, read 453,310 times
Reputation: 220
Quote:
Originally Posted by GotHereQuickAsICould View Post
People who have ACA plans may be covered for the year, but the subsidies may be "defunded."

Depends on what Trump and the Republicans pass.

"Like the proverbial dog that caught the car, Republicans in Congress are finding out that repealing and replacing Obamacare is a wee bit more difficult than their campaign slogans suggested. It is not, as Democrats suggest, that the Republicans have no plan — there are plans of virtually every stripe, from straightforward repeal to Obamacare Lite — but they have so far been unable to reach consensus on a proposal that is both good policy and politically palatable.

Rand Paul has put forward a plan that expands Health Savings Accounts to replace many of the current subsidies, eliminates the pre-existing-condition rules, and shifts responsibility for providing insurance for difficult to insure people to the states, "possibly in conjunction with proposals to block-grant Medicaid."

Republican Health-Care Plan: Rand Paul Makes a Good Start | National Review
I did read that, atleast he has a plan and an idea we can see. I thought republicans liked the 26 rule and the pre-existing? I'm still baffled they hadn't been working on a plan. I would assume since they had 6 years they would have some idea.

I think for me it was harder to get a better idea of what would happen because my dad doesn't have what would be called "ACA" as it through his employer and we have pretty much had the same plan since he's been working there for 10 years with some minor changes.

I do know some of my co workers at my hostess job are on ACA and they are wondering if there plans go away mid year.
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Old 01-11-2017, 03:32 PM
 
51,654 posts, read 25,828,130 times
Reputation: 37889
Quote:
Originally Posted by ohyellowbug View Post
I did read that, atleast he has a plan and an idea we can see. I thought republicans liked the 26 rule and the pre-existing? I'm still baffled they hadn't been working on a plan. I would assume since they had 6 years they would have some idea.

I think for me it was harder to get a better idea of what would happen because my dad doesn't have what would be called "ACA" as it through his employer and we have pretty much had the same plan since he's been working there for 10 years with some minor changes.

I do know some of my co workers at my hostess job are on ACA and they are wondering if there plans go away mid year.
It depends on what's in the legislation that passes and what insurance companies go along with.

Some insurance companies may keep the 26 year rule, even if the law does not require it. Others may drop it on future plans.

Not excluding those with pre-existing conditions, not having coverage caps, not dropping those who are diagnosed with high medical cost conditions.... lots of folks, Republicans included, would like to keep these parts of ACA.

Without the mandate, which hardly anyone likes, insurance companies would lose a lot of money. I don't see them offering plans that would not make them a profit.

Therein lies the problem.
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Old 01-11-2017, 05:04 PM
 
Location: Nebraska
1,482 posts, read 1,379,197 times
Reputation: 1532
Quote:
Originally Posted by GotHereQuickAsICould View Post
People who have ACA plans may be covered for the year, but the subsidies may be "defunded."

Depends on what Trump and the Republicans pass.

"Like the proverbial dog that caught the car, Republicans in Congress are finding out that repealing and replacing Obamacare is a wee bit more difficult than their campaign slogans suggested. It is not, as Democrats suggest, that the Republicans have no plan — there are plans of virtually every stripe, from straightforward repeal to Obamacare Lite — but they have so far been unable to reach consensus on a proposal that is both good policy and politically palatable.

Rand Paul has put forward a plan that expands Health Savings Accounts to replace many of the current subsidies, eliminates the pre-existing-condition rules, and shifts responsibility for providing insurance for difficult to insure people to the states, "possibly in conjunction with proposals to block-grant Medicaid."

Republican Health-Care Plan: Rand Paul Makes a Good Start | National Review
I think defunding th subsidies would disastrous for insurance companies
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Old 01-11-2017, 06:00 PM
 
51,654 posts, read 25,828,130 times
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Quote:
Originally Posted by BJW50 View Post
I think defunding th subsidies would disastrous for insurance companies
Hard to imagine the subsidies getting much traction with Republicans. We'll see.

But without them, many folks without significant medical expenses would likely drop their policies.

This would leave the insurance companies with a lot of expensive clients. Hard to imagine that working out well.

Last edited by GotHereQuickAsICould; 01-11-2017 at 06:25 PM..
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Old 01-12-2017, 08:24 AM
 
560 posts, read 453,310 times
Reputation: 220
Thanks everyone for giving their answers. I appericate it
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Old 01-13-2017, 11:00 PM
 
560 posts, read 453,310 times
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Dependent Health Coverage and Age for Healthcare Benefits

I found that site which shows what some of the state laws were before ACA and Maryland was one of the states that let children stay on until 25. I was surprised to see that FL went above the ACA with its state laws and had it age be 30.
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