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If you folks would get as angry at our inept politicians who screw up everything they get involved in, as you're getting with others who are struggling to get by, we might have better candidates AND healthcare options.
Go look on the .gov website, or on ehealthinsurance.com. Different plans are available with different deductibles and different premiums.
I have looked on the .gov website extensively. This is my third year. I realize there are different plans. That's why I think she is also getting a subsidy.
Quote:
Originally Posted by RMESMH
Getting a subsidy is a separate issue, at the consumer level, from plan choices that happen to be available.
If his sister isn't getting a subsidy, then she is paying for that lower deductible herself via the monthly premium being higher.
You have a higher deductible, but you aren't paying more in your monthly premium in order to have that lower deductible....IOW, if a plan was offered in your zip code that was exactly the same as yours except the deductible was her $1,500 rather than your $8,000, then your gross premium (before the subsidy is deducted) would increase.
Her premium is high and her deductible is quite low because she got a higher level plan (Silver or Gold maybe) than me. But she most definitely is receiving a subsidy.
I chose the Bronze plan because I don't mind the $8,000 deductible. If I had chosen a higher level plan, I'd very likely get the same deal as her.
Last edited by AguaDulce; 12-04-2018 at 07:42 PM..
Except when I posted that (and I haven't read any posts yet would change that) RowingFiend didn't say his sister is getting a subsidy (the tone was actually the opposite), and you are getting a subsidy.
And RowingFiend's brother-in-law makes $13/hour, less than the person he's attacking here. If his sister ever gets divorced, her former husband will surely need to rely on a subsidy to pay for his healthcare if his job doesn't provide it, moving him from the 'ain't they grand' category right into the 'deadbeat' category.
Some people are going to be God smacked some day and they may find their compassion as a result.
I live in a state with high average premiums. I have to buy an individual policy. I don't qualify for subsidies. For 2018, my monthly premium for an off marketplace silver plan is about $440 and I am in my mid-30s. For this, I have a $4000 deductible. I do have a fixed copay on generic drugs and physician visits. The people who are being hurt the most are the unsubsidized. Especially, those right over the subsidy limit.
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Quote:
Originally Posted by genesiss23
I live in a state with high average premiums. I have to buy an individual policy. I don't qualify for subsidies. For 2018, my monthly premium for an off marketplace silver plan is about $440 and I am in my mid-30s. For this, I have a $4000 deductible. I do have a fixed copay on generic drugs and physician visits. The people who are being hurt the most are the unsubsidized. Especially, those right over the subsidy limit.
and the ones who can't afford it no matter what they do to it.
This is what is wrong with the US. Somehow a significant segment of the population got the idea that if you are not well off you deserve to suffer. No other civilized societies think their own citizens who are poor should be allowed to die because they aren't successful enough, and then shame them about it.
NEVER did I say she should suffer. But I know if I do something dumb like make babies with a raging alcoholic, I am going to suffer for it. That's just common sense. Why should society subside my dumb choices?
This is what is wrong with the US. Somehow a significant segment of the population got the idea that if you are not well off you deserve to suffer. No other civilized societies think their own citizens who are poor should be allowed to die because they aren't successful enough, and then shame them about it.
Quote:
Originally Posted by NomadicDrifter
What makes Americans uniquely cruel towards fellow Americans, do you wager?
The 'cruelty' is not unique. People all over the world are turning on supporting those that don't earn anything. Brexit, Sweden...people are sick of it. People are sick of tons of migrants coming in that they have to support.
The US can be a nasty dog eat dog culture that leaves it's citizens with virtually zero long term stability . which in turn leads to suicides, bankruptcy , delayed retirement, mass hungry, mass drug use, shorter lifespans and so on....
ACA is one small step on a path to a better future for everyone, but it is a real pity we still have tens of millions of highly ignorant Americans to drag along with us. Literally 30 years ago Hillary was trying to get healthcare to the public... it took Republican voters 30 long years to finally figure out Hillary was RIGHT all along..... of course they are loath to admit it, and try to split hairs rather than just being Honest....
I recall my younger brother breaking his leg in his twenties he required some seriously costly operations.... total cost to him? a few hundred bucks.... And they dropped that when he told them he was a student.... why well he lives in the EU.... so his adult life did not start with tens of thousands in debt due to a fall....
My ex neighbor, lost her home when her PRE ACA insurance was cancelled, shortly before she was discovered to have breast cancer.... they had a really nice home, they had just bought a boat and they thought they were on the road to the 'good life". She lived but it cost them everything they had..... She of course lived here in the US and was unlucky enough to get Cancer before ACA....
and again, i am glad it is working out for you. Everyone should have access to good healthcare just because we are all humans and it is the right thing to do.
I call BS on this. There are not masses of hungry people in this country. We have over 80 taxpayer funded anti poverty programs in this country. NO ONE is going hungry.
Unless you're one of the extreme cases (billionaire, or homeless) you most likely don't fit so neatly into one or the other. You use many government services that probably your taxes don't quite cover, but are made possible when everyone pools. And then there are services you don't use at all that you pay into. Don't think too highly of yourself.
You are completely wrong. It's not BILLIONAIRES who are being taxed into oblivion with the ACA. There was a slew of new taxes, one of the highest in history on people making over $250k. Last I checked, no one making $250k was a billionaire.
AND to correct you on another lie you spread, the Trump tax cuts were NOT a giveaway to the rich. Higher earners are going to get socked in the gut, especially those in blue states.
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