The Affordable Care Act

[whell]

Originally Posted by bobabode

You've lost me Mike. Signing up the 'invincibles' aka lower cost class of the pool is bad?

Think of this this way:

Dad has family medical insurance coverage thought his employer, with a wife and 2 kids. Kid A is 22 and a college graduate, kid 2 is 19.

Under the pre-Obamacare rules, kid A would need to come off Dad's medical insurance once he graduates from college. Under Obamacare, Kid A can stay on Dad's plan until age 26, unless Kid A gets a job with available qualifying medical coverage.

(Hypothetical) Cost of Dad's family coverage = $1200 / month

Additional cost of adding Kid A to Dad's family coverage = $0.00

Incentive for Kid A to go get coverage though the exchange = 0%

Likelyhood Kid A gets coverage though the exchange if he can stay on dad's plan = 0 %

Likelyhood that Kid A would buy coverage to add to the 7 million needed to buy insurance by March 31, 2014 = 0%

Additional premiums paid by Kid A under new Obamacare rules to help make the exchange insurance pool sustainable / premium adequate = 0%

Now, remove the rules about kids staying on their parents plan until age 26, and you might get:

Additional cost of adding Kid A to Dad's family coverage = not an option

Incentive for Kid A to go get coverage though the exchange = +/-50%

Likelyhood Kid A gets coverage though the exchange if he can stay on dad's plan = +/-50%

Likelyhood that Kid A would buy coverage to add to the 7 million needed to buy insurance by March 31, 2014 = +/-50%

Additional premiums paid by Kid A under new Obamacare rules to help make the exchange insurance pool sustainable / premium adequate = at least the cost of a catastrophic medical plan on the exchange.

In other words, for each 19+ year old that gets coverage on their parent's plan, its one less for the exchange pool, and more premium dollars out of the pool from the critical "young and healthy group" needed to keep the exchange pool premium adequate.

[4-2-7]

Originally Posted by Pio1980

Quite right, the mainstream 'Pubs know that well enuff.
OK then, any names to float that don't carry Tea Party or Religious Right baggage?

http://www.governor.ohio.gov/
http://carsonscholars.org/dr-ben-car...al-information

Maybe both of these guys together as a team. One would be good for human relations here and abroad the other gets the economy on track. Both have sound principals

[4-2-7]

Originally Posted by whell

Think of this this way:

Dad has family medical insurance coverage thought his employer, with a wife and 2 kids. Kid A is 22 and a college graduate, kid 2 is 19.

Under the pre-Obamacare rules, kid A would need to come off Dad's medical insurance once he graduates from college. Under Obamacare, Kid A can stay on Dad's plan until age 26, unless Kid A gets a job with available qualifying medical coverage.

(Hypothetical) Cost of Dad's family coverage = $1200 / month

Additional cost of adding Kid A to Dad's family coverage = $0.00

Incentive for Kid A to go get coverage though the exchange = 0%

Likelyhood Kid A gets coverage though the exchange if he can stay on dad's plan = 0 %

Likelyhood that Kid A would buy coverage to add to the 7 million needed to buy insurance by March 31, 2014 = 0%

Additional premiums paid by Kid A under new Obamacare rules to help make the exchange insurance pool sustainable / premium adequate = 0%

Now, remove the rules about kids staying on their parents plan until age 26, and you might get:

Additional cost of adding Kid A to Dad's family coverage = not an option

Incentive for Kid A to go get coverage though the exchange = +/-50%

Likelyhood Kid A gets coverage though the exchange if he can stay on dad's plan = +/-50%

Likelyhood that Kid A would buy coverage to add to the 7 million needed to buy insurance by March 31, 2014 = +/-50%

Additional premiums paid by Kid A under new Obamacare rules to help make the exchange insurance pool sustainable / premium adequate = at least the cost of a catastrophic medical plan on the exchange.

In other words, for each 19+ year old that gets coverage on their parent's plan, its one less for the exchange pool, and more premium dollars out of the pool from the critical "young and healthy group" needed to keep the exchange pool premium adequate.

One more rule

Insurance companies can't deny coverage for existing conditions.

Young Adult A ops out in favor of a fine thats far less cost than coverage.

If they end up in the hospital they get insurance at that time.

[donquixote99]

An uninsured person can't just buy insurance when they go to the hospital. He'd have to wait for the next open season to roll around.

[4-2-7]

Originally Posted by donquixote99

An uninsured person can't just buy insurance when they go to the hospital. He'd have to wait for the next open season to roll around.

You don't have to go to an exchange state or fed.

[whell]

Originally Posted by donquixote99

An uninsured person can't just buy insurance when they go to the hospital. He'd have to wait for the next open season to roll around.

Open season? Sounds like a hospital in Detroit. And its open season year round here.

[barbara]

Originally Posted by donquixote99

An uninsured person can't just buy insurance when they go to the hospital. He'd have to wait for the next open season to roll around.

Also.... Any insurance they might be able to purchase once they are at the hospital would not cover services already provided.

Waiting til one goes to the hospital to buy insurance is a suggestion that could only come from someone who hasn't got a clue about health care.

[4-2-7]

Originally Posted by barbara

Also.... Any insurance they might be able to purchase once they are at the hospital would not cover services already provided.

Waiting til one goes to the hospital to buy insurance is a suggestion that could only come from someone who hasn't got a clue about health care.

So barbara how are you doing? Did you get all your treatments done and over with?

Clueless

[BlueStreak]

Originally Posted by whell

Think of this this way:

Dad has family medical insurance coverage thought his employer, with a wife and 2 kids. Kid A is 22 and a college graduate, kid 2 is 19.

Under the pre-Obamacare rules, kid A would need to come off Dad's medical insurance once he graduates from college. Under Obamacare, Kid A can stay on Dad's plan until age 26, unless Kid A gets a job with available qualifying medical coverage.

(Hypothetical) Cost of Dad's family coverage = $1200 / month

Additional cost of adding Kid A to Dad's family coverage = $0.00

Incentive for Kid A to go get coverage though the exchange = 0%

Likelyhood Kid A gets coverage though the exchange if he can stay on dad's plan = 0 %

Likelyhood that Kid A would buy coverage to add to the 7 million needed to buy insurance by March 31, 2014 = 0%

Additional premiums paid by Kid A under new Obamacare rules to help make the exchange insurance pool sustainable / premium adequate = 0%

Now, remove the rules about kids staying on their parents plan until age 26, and you might get:

Additional cost of adding Kid A to Dad's family coverage = not an option

Incentive for Kid A to go get coverage though the exchange = +/-50%

Likelyhood Kid A gets coverage though the exchange if he can stay on dad's plan = +/-50%

Likelyhood that Kid A would buy coverage to add to the 7 million needed to buy insurance by March 31, 2014 = +/-50%

Additional premiums paid by Kid A under new Obamacare rules to help make the exchange insurance pool sustainable / premium adequate = at least the cost of a catastrophic medical plan on the exchange.

In other words, for each 19+ year old that gets coverage on their parent's plan, its one less for the exchange pool, and more premium dollars out of the pool from the critical "young and healthy group" needed to keep the exchange pool premium adequate.

Look at it this way;

I don't care how "young and healthy" any of these people think they are. At anytime they can contract a disease or become injured.

So, they should be paying in. And I don't give a flying shit if they don't like it.
Fuck their "freedom". Pay or else. And if you can't pay, then we, including all of the cheapskate republicans will help get you covered whether they like it or not as well. This is the way it needs to be from now on.

Love,
Dave

[BlueStreak]

Originally Posted by whell

Open season? Sounds like a hospital in Detroit. And its open season year round here.

If you've never tried to do anything about it, just shut up.

Dave