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It's understood that many people have benefited from this but that has been accomplished on the backs of people that were already paying for insurance. This law has created a whole new class of people who can't afford it. The entire middle class of Pennsylvanian for example is not just a few people....
I wouldn't call it a horror story, but a serious inconvenience. Because you do get insurance and have the security if disaster occurs.
I do agree that it remains too expensive, maybe by about 1/3. And as Medicare is about subsidized to that extent, if I were king I would make it so.
When we had to pick a plan from the marketplace, the premiums that were slightly lower carried very high deductibles and co-insurances. We ended up paying more for less in comparison to the family coverage we had
prior to Obamacare. Ironically, the carrier we picked because it was as the best "deal" for our family just folded because of a huge loss of revenue and could not exist anymore......typical of what has happened throughout the country.
This program hurt those who were already paying for their insurance, and there are many out there who carry these premiums without subsidies. The middle class carries the burden.
If I understand you right, they are paying more for more.
Such as no annual or lifetime limits on payouts. Zero copays on preventatives. Uninsurable coverage.
When we had to pick a plan from the marketplace, the premiums that were slightly lower carried very high deductibles and co-insurances. We ended up paying more for less in comparison to the family coverage we had
prior to Obamacare. Ironically, the carrier we picked because it was as the best "deal" for our family just folded because of a huge loss of revenue and could not exist anymore......typical of what has happened throughout the country.
This program hurt those who were already paying for their insurance, and there are many out there who carry these premiums without subsidies. The middle class carries the burden.
Obamacare is not so good for the younger, healthier, low risk people. It is better for those poor, or with pre-existing and older folks. And those are our real problem areas. We do need to make it easier financially for the first group. If I were king 1/3 back as a tax credit or rebate at the end of the year if the insured or family tows their medical line and does not overuse HC services.
Personally, I saw my health care insurance premiums more than double under Obamacare, and my deductibles tripled, so my annual out of pocket expenses went up exponentially. There is one provider left in my state, so no competition. The HR department in my company told me to expect much higher premiums, and overall costs next year. In the several years previous to Obamacare my premiums went up incrementally, and were not nearly as burdensome as now.
Obamacare is not so good for the younger, healthier, low risk people. It is better for those poor, or with pre-existing and older folks. And those are our real problem areas. We do need to make it easier financially for the first group. If I were king 1/3 back as a tax credit or rebate at the end of the year if the insured or family tows their medical line and does not overuse HC services.
You don't think your idea would keep people from seeking healthcare when they need it? There are a lot of people who might decide the kids asthma will get better on it's own if they are looking at a nice rebate from the Government. I would prefer to see people over 50 or 55 placed on medicare, that would remove a lot of risk from insurers and should lead to lower rates for younger healthier patients
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