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COBRA is likely to be unaffordable unless you manage to secure renewed employment - and is good for 18 months only.
The last quote I got for COBRA was $1,400 a month to cover my family at the time. Basically all of my unemployment. But then that pesky mortgage wanted paid, and food.
edit to add-and this was before the ACA. Might be cheaper now.
COBRA is likely to be unaffordable unless you manage to secure renewed employment - and is good for 18 months only.
She didn't go on coveredca. She went on ehealthinsurance. Coveredca didn't have her plan.
We didn't mention affordable, we just mentioned coverage. What's so affordable about ACA?
Yes COBRA is only good for 18 months but that's still plenty more f time to sign up a new plan. Nobody is left without coverage.
She didn't go on coveredca. She went on ehealthinsurance. Coveredca didn't have her plan.
We didn't mention affordable, we just mentioned coverage. What's so affordable about ACA?
Yes COBRA is only good for 18 months but that's still plenty more f time to sign up a new plan. Nobody is left without coverage.
LOL. Nobody with sufficient cash resources to be able to pay their premiums if they ever lost their job you mean.
So, the top 20% or so. Like me. Cool. Well...not so cool for all those....others. Right?
We didn't mention affordable, we just mentioned coverage. What's so affordable about ACA?
What people fail to realize is that now ACA has no different rates than non-ACA individual plans. As someone mentioned, all individual (non-group) health insurance is ACA compliant now. That means all insurance is priced the same as exchange plans - the only difference is with an exchange plan you are eligible for subsidies. So if you get a non-ACA plan, you will be paying the same premiums, same deductible, etc.
It isn't the ACA exchanges that made insurance expensive, it was forcing insurance companies to not discriminate based on pre-existing conditions and to not kick people off a plan once they have signed up. And those are exactly the features that the public is telling congress they want to keep if they repeal ACA. If they're gonna keep those features, might as well keep ACA.
The reason COBRA is cheap is that it is a group plan not an individual plan and you are getting the same discounted rate your employer negotiated with the insurance company.
How about transparent pricing BEFORE walking into the doctor's office instead of after? How about prescriptions having the same price to the consumer no matter what method of payment. If I pay straight cash I pay FULL price, why can't I pay the discounted price since there's no paperwork or waiting?
There are soooo many ways to fix Healthcare so it's affordable for every one.... and it's pretty damn sad that our loving political parties can't see it. Instead it's a cash cow designed to squeeze every last penny out of the ones stuck in the middle. No way in heck to pay for "insurance" and very little ability to pay out of pocket.....
So during his news conference today Trump announced that as soon as Tom Price is approved for the dept of health and human services that they will present the replacement part of the repeal and replacement he wants.
Fun fact, Tom Price has spent a lot of time trying to pass his Empowering Patients First act. And I suspect that will be what is pushed.
It scraps Obamacare obviously. Markets, mandates, etc. His plan in the past "subsidized" insurance costs based on age. 18-35 get a $100/month subsidy, and 50+ older gets $250 a month. Which of course is laughable. Good news for the wealthier...not so much for everyone else. Oh and on medicare, VA, tricare, medicaid, etc? You dont get those credits. Good news though, if you opt out of your free healthcare, you can use the subsidy!...to purchase something far more expensive.
Continuous coverage requirements. Let your health insurance lapse, and you pay 1.5X as much for your insurance for 2 years. On one hand...I get this. We want people to keep coverage, not just get it when they need it. But the reality is that a LOT of people arent keeping the same job for that long anymore. I don't have a solution, but I can't help that this yet again punishes those who arent in the top 20% or so.
Health savings accounts. Good idea-but still doesn't touch the underlying problem. Poor people cannot afford healthcare. Even middle income can't very well.
Grants would be put in place to cover high risk pools. Historically Prices plans have VASTLY underestimated the costs of these. I expect Ryan at least to set him straight as Ryan has floated similar idea, but with much higher amounts in them (See Ryans "Better Way" plan)
Price also hits the corporate side. With limits on how much companies can write off on insurance costs. 8K/yr for individual, and 20K for families. I find this one kinda humorous. Companies will start getting REALLY hurt by rising insurance costs. Their solution will be to stop providing it. This is a horrible idea.....but I get where he is coming from on this one too. quarter of a trillion a year in lost revenue there....and rising as insurance costs go up. Long term this one will hurt if not pegged to healthcare costs.
The expanded medicaid coverage? Gone. Yup. Sucks to be poor! Back to the old GOP healthcare plan. if you get sick, either recover fast, or die quick.
Cross state insurance plans. So the inevitable race to the bottom for where to base your plan out of, then sell to other states.
Oh, and vaccine nonsense!
No mention of pre-existing conditions that I see, or the under 26 on their parents plan that I see, but I would not be surprised to see those added. If not by Price then by congress.
And much much more.
I think if he thinks congress will pass that then he is mistaken. They are currently freaking out because honestly, Obamacare is too well established, and working for most folks. (Yes I know you have some story of woe-the majority according to polling are ok with it). The time to be able to repeal it without horrific losses in the next election was years and years ago. If they had enough working brain cells they would work on making the current system work better.
Prices plans in the past would cause millions to lose healthcare. And would put us back to before Obamacare when costs were going up at insane rates. (Those of you complaining about ACA costs apparently have COMPLETELY forgotten what was occurring before)
Actually the credit will help my kid. Right now she gets zero. She is not even on ACA plan. Just a healthcare plan.
And continuous coverage has nothing to do with job. You get COBRA. I think they should raise the penalty to 2 X premium for penalty. $20k for family is generous. Let's hope that's indexed for inflation.
Every health insurance plan sold in this country is an "ACA plan" meaning that all have to comply with what is outlined for required coverage.
How do people not know this?
As for COBRA, you think monthly premiums are high?
How many people who have employer sponsored coverage and then lose their jobs can afford to pay for COBRA?
Oh, well.
I've a feeling that people will not get this until they actually HAVE to get this.
And, BTW, say goodbye to coverage if you have a pre-existing condition:
"Republican senators rejected a Democratic amendment meant to protect health insurance for people with preexisting conditions."
She didn't go on coveredca. She went on ehealthinsurance. Coveredca didn't have her plan.
We didn't mention affordable, we just mentioned coverage. What's so affordable about ACA?
Yes COBRA is only good for 18 months but that's still plenty more f time to sign up a new plan. Nobody is left without coverage.
Will Trumps healthcare plan be based on Tom Prices foolishness?
Trump won't have a healthcare plan.
He's not interested in political leadership. He'll leave it to congress to cobble something together.
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Will Trumps healthcare plan be based on Tom Prices foolishness?
