Quote:
Originally Posted by LGR_NYR
United healthcare Cadillac plan in NYC/NYS for my Son and So on her employee plan may go up 11%. Her plan costs in total $21000 a year now. It has gone up every year since the ACA went into effect. Her plan used to be $4500 a year for just her. Than $6000 a year then it went crazy. She pays roughly $8000 a year towards her plan. I had United Healthcare through the state exchange and it was costing me $800 s month. My Dr. stopped taking it so I had to switch to Empire Ble Cross/Blue Shield. It's a little cheaper but I am getting less and I am paying more out of pocket. Between the two of us, our plans cost over $30,000 a year. How is that possible? How is that affordable??
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It's called the one of the biggest redistribution of wealth in recent history- to people who will not ( are able to stash a lot of their income under the table thru various measures, or are paid totally in cash, such as those who work as a domestic..nannies, housekeepers, gardeners, etc...certain areas of the construction trade, etc.) or can not pay for a catastrophic health plan.
The actual people who are poverty level or below-fine, no problem helping those folks...but the rest who play the system...tough luck, pay in like everyone else has to.....but they are a protected class for some reason....many times they are illegals who have done nothing to pursue citizenship...one of the reasons is the low cost or free healthcare. And they are making well above US poverty standards in their jobs.
This has also been a big profit maker for the insurance companies, do not kid yourself...31k a year for two people with a high deductible?
They have always wanted this to head into a single payor plan. But you can bet the family farm that the US plan will certainly make the Canadian plan look like a a Cadillac policy next to what Americans will receive.
Noteworthy:In a single payer system..they determine what care you receive...they even determine what care you can pursue out of pocket....not on their plan or formularies? You are completely unable to access it.
So if grandpa wants and needs a hip replacement at 76 and is in sound mind and a health body... he still can be denied coverage based on age.
But what if grandpa wants to travel and pay out of pocket? In certain communist and socialist countries it is against the law. People do it anyways....but you will receive no further medical care should you have further complications once you return home. You are on your own for further upkeep of said hip replacement, since it was never approved under your socialized medical plan.
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