Starting my third year with Obamacare (generation, Chicago, program, rates)
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These are the real leeches, because when they do experience one of the above--and just about every human will at some point or another--they will expect to be taken care of even though they refused to insure themselves.
People using the ACA are willing to pay for insurance because they desperately WANT insurance and before the ACA they had no other means to get it. That's called being responsible.
^^^^^ 'the finest projection a subsidy can buy'. Whatever you can concoct to make yourself feel better.
The OP (AD) is making such a sacrifice it makes us swoon....under $1.00 per month.
Effective 2019, the individual mandate for healthcare insurance has been eliminated.
With the exception of NH, all states require a defined minimum of liability insurance for cars. Some states define it as no fault while others also mandate uninsured motorist insurance. NH is the exception in that they waive the requirement when the owner has sufficient financial resources to cover the exposure.
Auto liability insurance is sometimes misunderstood. It exists for the benefit of other people’s injuries and property for accidents you cause. It does not cover the insured party’s auto or injury.
Automotive insurance covers liability.. . meaning one's obligation to cost is covered.
For health care insurance is similar that it covers one's obligation to cost.
There is very little difference in concept and which party is not relevant... only that something exists to cover cost obligations.
I also already know that he mandate has been eliminated. Sounds good on paper but it contributes to the rise in cost of ACA.
^^^^^ 'the finest projection a subsidy can buy'. Whatever you can concoct to make yourself feel better.
The OP (AD) is making such a sacrifice it makes us swoon....under $1.00 per month.
That poster has stated again and again that they have a bronze plan, which is basically catastrophic health insurance. So yeah, it's cheap. They will pay out more if/when they use it than I will, because I have a silver plan.
And yet, the bronze plans are still better than all those junk plans the right complained were banned because they were equally cheap but covered nothing. Do you want to have to pick up the tabs of millions of uninsured people who will use the system even if they don't have insurance? Because that's what the alternative is.
And if you have employer-based insurance you are getting huge subsidies as well. Give them up and pay full freight all by yourself (see COBRA rates) and we'll talk.
You have just seen a perfect example of the selfishness some people exhibit. They really DO NOT CARE if you have healthcare or not, they wouldn't care if you lived or died. These are heartless, self centered people who will blow their money on non essential fluff, but they bit** and moan because they have to pay a little more for something as important as healthcare !
One of my own sons was complaining about how his insurance rates have gone up, but I reminded him he makes huge money, has 6 cars, two boats, and lives in a condo where the prices begin at a million and a half. How shortsighted of him to blow money on all of that, and then complain about taking care of his own healthcare.
I am glad you have healthcare, and without Obama fighting tooth and nail for it, millions like you would be left out in the cold.
You haven't religiously paying attention to whether it is a little or a lot because it doesn't effect you in the same way....you're on Medicare.
It's easy for you to commit someone else's money. You missed your calling. You should have been a politician.
While the ACA has some essential features like requiring coverage of pre-existing conditions without increased premiums, and extending the age for health care coverage of young adults, in many ways it is a far cry from being a good program. That's because the Republicans forced the chopping of key features - their obfuscation is largely the reason for an extremely complex system and the reason the effectiveness varies so much from State to State.
Republicans may claim bitterly about how much the hate the ACA, but let them try to take away that pre-existing condition coverage - guaranteed that will blow up in their face.
You do realize that Obamacare royally screwed a lot of people right? It screwed people who are not poor enough to get help but not rich either, the same people who are always screwed when gov't says they are here to help.
The poor get gov't help that comes in many forms, the rich skirt around having to pay for it, and the guy in the middle gets screwed with your bill plus paying for their own.
You do realize that Obamacare helped a lot of people, right? It helped people, with means who were previously denied insurance or had artificially low coverage that excluded things like hospitalization or medication or Cancer treatment. No shortage of plans had very low annual/lifetime caps on claims.
The EMTLA, which became law in 1986, requires ER to stabilize patients, regardless if the patient is insured or has the ability to pay at the point of service. The requirement however, does not absolve the patient from paying for service.
In reality, the hospitals don't get paid... bankruptcy on the part of the individual but that doesn't help the situation.
I know this dates back to 2013 but I picked it specifically because it predated ACA passage
"Amid a still soft economy and high unemployment, hospitals uncompensated care costs -- medical care for which no payment is received -- jumped nearly five percent to $41.1 billion in 2011, according to a new report from the American Hospital Association."
"Hospitals will eventually see their costs of uncompensated care fall when broader health care coverage under the Affordable Care Act kicks in next year. In January 2014, private insurance companies like UnitedHealth Group (UNH), Aetna (AET), Humana (HUM), Cigna (CI) and a host of Blue Cross and Blue Shield plans will be providing subsidized coverage to individuals and small businesses via state or federally-regulated exchanges established under the health law. In addition, most states will be participating in expansions of the Medicaid health insurance programs for the poor."
However the second part never became a reality because it made the basic assumption that a large portion of the population would be covered by ACA or some form of insurance.... but many of those provisions were removed prior to passage.
yeah tell us how great when you have to go to the emergency room and pay that 3900.00 up front
It could be potentially several times more out of pocket without insurance.
You do understand what people mean when they get plans for catastrophic injuries?
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