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12-14-2016, 07:56 PM
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Senior Member
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Join Date: Apr 2014
Location: Lake Forest, CA
Posts: 460
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Quote:
Originally Posted by Rajoo
And what percentage of Americans need Obamacare, since a majority are already insured under their employer's group plan?
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I am not insured with my employer. Under Covered California, it would cost me around $800 a month (practically a mortgage payment) and receive nothing because there is a $6,000 deductible that I would have to pay out of pocket before it would kick in. I don't have health coverage because of this. I think these are the people they are talking about.
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"Man is born to be free - and everywhere in chains!" -Rousseau
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12-14-2016, 08:09 PM
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Senior Member
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Join Date: Aug 2011
Location: Derby City U.S.A.
Posts: 8,213
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Quote:
Originally Posted by VanishingPoi
I am not insured with my employer. Under Covered California, it would cost me around $800 a month (practically a mortgage payment) and receive nothing because there is a $6,000 deductible that I would have to pay out of pocket before it would kick in. I don't have health coverage because of this. I think these are the people they are talking about.
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I know a Millionaire who is "smart" and gets medicaid and another who works as a Painter and can't afford Insurance.
FKdup!
Barney
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12-15-2016, 06:08 PM
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Persona non grata
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Join Date: Oct 2013
Posts: 12,654
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Quote:
Originally Posted by VanishingPoi
I am not insured with my employer. Under Covered California, it would cost me around $800 a month (practically a mortgage payment) and receive nothing because there is a $6,000 deductible that I would have to pay out of pocket before it would kick in. I don't have health coverage because of this. I think these are the people they are talking about.
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So you would be paying $800 X 12 = $9,600 a year in premiums, plus a $6,000 deductible for a grand total of $15,600 out of your own pocket before your insurance would cover the first penny?
Thanks Obummer!
__________________
"The enemy of my enemy is my friend."
Last edited by Tom Joad; 12-15-2016 at 06:11 PM.
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12-17-2016, 07:55 AM
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Senior Member
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Join Date: Apr 2014
Location: Lake Forest, CA
Posts: 460
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Quote:
Originally Posted by Tom Joad
So you would be paying $800 X 12 = $9,600 a year in premiums, plus a $6,000 deductible for a grand total of $15,600 out of your own pocket before your insurance would cover the first penny?
Thanks Obummer!
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Yes, exactly. This is why I don't have medical insurance. These are the people that it hurts. The middle class. It is based on income to get a subsidy. If you you make one penny over that limit which is around $45,000, there is no subsidy for you. By the way, that is just the bronze plan. The platinum is around $1200 a month. It also has a large deductible but I can't remember how much. I will go back and look.
__________________
"Man is born to be free - and everywhere in chains!" -Rousseau
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12-17-2016, 08:13 AM
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Ready
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Join Date: Oct 2013
Posts: 19,174
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Quote:
Originally Posted by VanishingPoi
Yes, exactly. This is why I don't have medical insurance. These are the people that it hurts. The middle class. It is based on income to get a subsidy. If you you make one penny over that limit which is around $45,000, there is no subsidy for you. By the way, that is just the bronze plan. The platinum is around $1200 a month. It also has a large deductible but I can't remember how much. I will go back and look.
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There is a little-publicized catastrophic-care alternative in the Affordable Care Act. If you can show the $800 per month * (number of family members), is more than x% of total income, you can get the 'inexpensive' catastrophic-only coverage instead. It's better than paying the tax penalty and getting nothing.
Don't know what x% is, but it might be worth looking into.
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If you Love Liberty, you must Hate Trump!
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12-17-2016, 08:18 AM
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Senior Member
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Join Date: Apr 2014
Location: Lake Forest, CA
Posts: 460
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Quote:
Originally Posted by donquixote99
There is a little-publicized catastrophic-care alternative in the Affordable Care Act. If you can show the $800 per month * (number of family members), is more than x% of total income, you can get the 'inexpensive' catastrophic-only coverage instead. It's better than paying the tax penalty and getting nothing.
Don't know what x% is, but it might be worth looking into.
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It is a little late for that. I will be paying the the tax. Much cheaper than insurance.
Here is one for $1200 a month
Plan Type HMO
Metal Level Platinum
Office Visit for Primary Doctor
Find Doctors $15 Copay
Office Visit for Spe************************t $40 Copay
Referral Required for a Spe************************t Yes
Office Visit for Other Practitioner (Nurse, Physician Assistant) $15 Copay
Annual Deductible None
Separate Prescription Drugs Deductible $0 per person | $0 per group
Coinsurance 10%
Retail Prescription Drugs Generic Drugs: $5 Copay;
Preferred Brand Drugs: $15 Copay;
Non-Preferred Brand Drugs: $25 Copay;
Specialty Drugs: 10% Coinsurance;
Out-of-Pocket Limit Individual: $4,000
Lifetime Maximum Unlimited
Health Savings Account (HSA) Eligible No
Out-of-Network Coverage Emergency Care Only
Out-of-Country Coverage No.
__________________
"Man is born to be free - and everywhere in chains!" -Rousseau
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12-17-2016, 09:25 AM
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Persona non grata
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Join Date: Oct 2013
Posts: 12,654
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These high deductable ($5,000-$6,000 or more per year) are worthless to the people that most need health insurance. I mean they are absolute shit.
You might as well build a "Game of Thrones" wall between them and medical care.
They can't afford to use them.
Quote:
the Federal Reserve Board has conducted a survey to “monitor the financial and economic status of American consumers.” Most of the data in the latest survey, frankly, are less than earth-shattering: 49 percent of part-time workers would prefer to work more hours at their current wage; 29 percent of Americans expect to earn a higher income in the coming year; 43 percent of homeowners who have owned their home for at least a year believe its value has increased. But the answer to one question was astonishing. The Fed asked respondents how they would pay for a $400 emergency. The answer: 47 percent of respondents said that either they would cover the expense by borrowing or selling something, or they would not be able to come up with the $400 at all. Four hundred dollars!
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If you have a hard time coming up with $400 bucks, how in the FUCK are you going to front Five or Six Grand?
http://www.theatlantic.com/magazine/...-shame/476415/
The answer is, you don't. You get sick, or notice a suspicious lump, and you put off going to the Doctor because you can't afford it. Same as you did when you had no insurance. Because the truth is, if you have some shitty High Deductable Obummercare Bronze Plan, you still have no insurance.
__________________
"The enemy of my enemy is my friend."
Last edited by Tom Joad; 12-17-2016 at 09:35 AM.
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12-17-2016, 08:18 PM
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Senior Member
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Join Date: Apr 2014
Location: Lake Forest, CA
Posts: 460
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Quote:
Originally Posted by Tom Joad
These high deductable ($5,000-$6,000 or more per year) are worthless to the people that most need health insurance. I mean they are absolute shit.
You might as well build a "Game of Thrones" wall between them and medical care.
They can't afford to use them.
If you have a hard time coming up with $400 bucks, how in the FUCK are you going to front Five or Six Grand?
http://www.theatlantic.com/magazine/...-shame/476415/
The answer is, you don't. You get sick, or notice a suspicious lump, and you put off going to the Doctor because you can't afford it. Same as you did when you had no insurance. Because the truth is, if you have some shitty High Deductable Obummercare Bronze Plan, you still have no insurance.
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You got that right.
__________________
"Man is born to be free - and everywhere in chains!" -Rousseau
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12-15-2016, 09:18 PM
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Senior Member
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Join Date: Oct 2011
Location: San Diego via Vermilion Ohio and Points Between
Posts: 11,538
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Quote:
Originally Posted by VanishingPoi
I am not insured with my employer. Under Covered California, it would cost me around $800 a month (practically a mortgage payment) and receive nothing because there is a $6,000 deductible that I would have to pay out of pocket before it would kick in. I don't have health coverage because of this. I think these are the people they are talking about.
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http://ktla.com/2016/10/25/obamacare...in-california/
You must not be telling us something.
__________________
Never was there a time when I did not exist, nor you, nor in the future shall any of us cease to be.
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12-16-2016, 06:38 AM
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Senior Member
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Join Date: Aug 2010
Location: Metro Detroit
Posts: 13,016
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Quote:
Originally Posted by icenine
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Remember that Obamacare gave us age-banded health premiums. As the insured's age rises, premiums rise. Pricing is also impacted by region, and states can have multiple regions. In Cali, regions in the north are more expensive than the south. The news reports typically show / compare premiums for single 25 year olds and 40 year olds. If they printed the average premiums for 60 year olds, most people would probably faint after reading them.
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