The Affordable Care Act

[icenine]

Originally Posted by MikeG22

Here's the cheapest family plan in NY on the market. $142 x 2.85 for the family plan is $404 per month out of the employees pocket. Same to the employer. This plan has a $6000 deductible for families. So if you have this and use it to the deductible it will cost $10484 out of pocket. Even if I make 50k a year this would bankrupt me.

In California an ER trip for an accidental needle stick cost about $3000 bucks...and that is an outpatient visit. If you break a leg or something worse...or a family member has to be admitted to a hospital, that bill will skyrocket. I would rather be on the hook for 6 grand than 50 or 60 grand.

You have to look at that way. There are people spending 2 or 3 hundred dollars a month on cell phones and the internet ...not to mention cable tv.

[MikeG22]

^ Doesn't change the fact that the ACA has not done a damn thing for people in those scenarios. Buy this insurance because you have to or face a fine. However, even if you buy it and have to use it whether it is a 3k or 300k bill you lose everything because the premium and deductible put you in financial ruin. They file bankruptcy and the hospital / doctors get shit just like they do now.

Maybe the ACA should have gone after the ridiculous cost of health care in the US not just insurance. Medical procedures cost exponentially more here versus other areas of the world. How is it ok that a $2000 procedure out of pocket is only $700 if the insurance company is paying?

You can cry that people pay a fortune every month of frivolous things but that is always going to happen. People will spend hundreds of dollars on video games for their kids while the power is getting shut off cause they haven't paid the bill. No one wants to hear people feel entitled but there's a prime example.

[JJIII]

Originally Posted by MikeG22

^ Doesn't change the fact that the ACA has not done a damn thing for people in those scenarios. Buy this insurance because you have to or face a fine. However, even if you buy it and have to use it whether it is a 3k or 300k bill you lose everything because the premium and deductible put you in financial ruin. They file bankruptcy and the hospital / doctors get shit just like they do now.

Don't you see? That's the beauty of the plan!

[barbara]

Shoulda gone with single payer system.....

[donquixote99]

Nay, the hospitals and doctors are better off, they get whatever your insurance does pay, instead of only whatever they can get out of an uninsured person.

And the insurance companies are better off (if enough people get signed-up).

The only people not better off are the still under-insured working/middle class, who wind up bankrupt either way, when med bills strike. But the low-end uninsured who were getting nothing but emergency care now get some preventative care, so they may be better off.

[MikeG22]

Originally Posted by barbara

Shoulda gone with single payer system.....

It's all part of the plan

[MikeG22]

Originally Posted by donquixote99

The only people not better off are the still under-insured working/middle class, who wind up bankrupt either way, when med bills strike. But the low-end uninsured who were getting nothing but emergency care now get some preventative care, so they may be better off.

How are the low end uninsured getting preventative care??? The plan I list above has a deductible for that as well.

[donquixote99]

Originally Posted by MikeG22

How are the low end uninsured getting preventative care??? The plan I list above has a deductible for that as well.

Free preventive services: accessed at https://www.healthcare.gov/what-are-...care-benefits/

All Marketplace plans and many other plans must cover the following list of preventive services without charging you a copayment or coinsurance. This is true even if you haven’t met your yearly deductible. This applies only when these services are delivered by a network provider.

Abdominal Aortic Aneurysm one-time screening for men of specified ages who have ever smoked
Alcohol Misuse screening and counseling
Aspirin use to prevent cardiovascular disease for men and women of certain ages
Blood Pressure screening for all adults
Cholesterol screening for adults of certain ages or at higher risk
Colorectal Cancer screening for adults over 50
Depression screening for adults
Diabetes (Type 2) screening for adults with high blood pressure
Diet counseling for adults at higher risk for chronic disease
HIV screening for everyone ages 15 to 65, and other ages at increased risk
Immunization vaccines for adults--doses, recommended ages, and recommended populations vary:

Hepatitis A
Hepatitis B
Herpes Zoster
Human Papillomavirus
Influenza (Flu Shot)
Measles, Mumps, Rubella
Meningococcal
Pneumococcal
Tetanus, Diphtheria, Pertussis
Varicella
Obesity screening and counseling for all adults

Sexually Transmitted Infection (STI) prevention counseling for adults at higher risk
Syphilis screening for all adults at higher risk
Tobacco Use screening for all adults and cessation interventions for tobacco users

There's more, too, other lists tailored to the needs of women and children....

[MikeG22]

Ah ha I read about preventative care from a "non-network" provider. That will go to my deductible.

So if your low income you can go get screened included in your plan. However, if they find something start filling out the bankruptcy paper immediately.

[icenine]

Originally Posted by MikeG22

^ Doesn't change the fact that the ACA has not done a damn thing for people in those scenarios. Buy this insurance because you have to or face a fine. However, even if you buy it and have to use it whether it is a 3k or 300k bill you lose everything because the premium and deductible put you in financial ruin. They file bankruptcy and the hospital / doctors get shit just like they do now.

Maybe the ACA should have gone after the ridiculous cost of health care in the US not just insurance. Medical procedures cost exponentially more here versus other areas of the world. How is it ok that a $2000 procedure out of pocket is only $700 if the insurance company is paying?

You can cry that people pay a fortune every month of frivolous things but that is always going to happen. People will spend hundreds of dollars on video games for their kids while the power is getting shut off cause they haven't paid the bill. No one wants to hear people feel entitled but there's a prime example.

Because the hospitals are making up for those without insurance...they are hitting the insured because they have to treat the unisured for free....

the surgeon socks it to the insured because the unisured are getting his service for free....

the whole point is to widen the pool to get costs down...
that is why the ACA is making people buy insurance