General Discussion

Auggie

(33,162 posts)

24. Well, rates are based on age and zip code ...

Wed Jul 5, 2023, 11:29 AM

Jul 2023

so of course they vary. But there's no doubt the ACA triggered huge rate increases (as allowed by ACA law) just to protect insurers' profit margins.

If you qualified for the the premium tax credit (PTC) rates could be as low as $2.00 a month, though the high deductible remains. The issue was eligibility. In California, originally, that meant an income of or below $64,000 a year. The PTC in CA has since been increased to around $72,000, I think.

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People forget lifetime caps on health insurance [View all] Casady1 Jul 2023 OP

My sister died (age 32) of cancer because of a lifetime cap. lastlib Jul 2023 #1

What a stab to the heart! I am moonscape Jul 2023 #13

One of several parasitic industries Artcatt Jul 2023 #20

The VA has spent over a million on my cancers over the the last 15 years. Thank you largest ... marble falls Jul 2023 #2

Private equity will destroy it all anyway. Anesthesiology practices lostnfound Jul 2023 #3

✔️+ live love laugh Jul 2023 #4

No one seems to know anything about a new venture capitalist partner's Backseat Driver Jul 2023 #23

The cigar chomping boys in their darkened, oak-paneled, boardroom yonder Jul 2023 #31

Sometimes I only see my Endos NP and I am ok with it as cstanleytech Jul 2023 #48

Happening to veterarian practices too. Support your independent vet groups! mahina Jul 2023 #50

I am so grateful to President Obama WhiteTara Jul 2023 #5

The ACA jacked our monthly insurance rate up about $1200 over 10 years Auggie Jul 2023 #6

Interesting. The effect on my household was the opposite. sybylla Jul 2023 #12

there are still states which refuse to accept the Medicaid Expansion yellowdogintexas Jul 2023 #30

We are self employed family as well. MontanaMama Jul 2023 #16

that's an outrage NJCher Jul 2023 #22

I write my congress critter and Senators every single December MontanaMama Jul 2023 #43

What state? tia uponit7771 Jul 2023 #65

Montana. MontanaMama Jul 2023 #73

Sympathies extended Auggie Jul 2023 #25

Back at you, friend. MontanaMama Jul 2023 #42

Obama did the best he thought he could, but the ACA was only a partial fix. PatrickforB Jul 2023 #37

Exactly Auggie Jul 2023 #39

The US doesn't have a health care system. markodochartaigh Jul 2023 #52

I beg to disagree on that. True Blue American Jul 2023 #55

If we wanted to come together, we'd stop spending over half the budget ($858B this year) PatrickforB Jul 2023 #71

Medicare for all is not the answer ExWhoDoesntCare Jul 2023 #78

that is madness, 46,000+ usd per year potentially out of pocket!!!! Celerity Jul 2023 #70

Yep self employed and small business coverage are areas that need improvement IbogaProject Jul 2023 #17

Hmm. There are other factors Hortensis Jul 2023 #18

Well, rates are based on age and zip code ... Auggie Jul 2023 #24

If you're getting it for a decent price it's because your income is low enough to get more subsidies questionseverything Jul 2023 #51

Not if you are old enough to get Medicare Advantage. True Blue American Jul 2023 #56

The aca doesn't cover you if you're old enough for medicare questionseverything Jul 2023 #59

Wrong again.The ACA True Blue American Jul 2023 #75

Medicare advantage is private insurance that guts regular medicare questionseverything Jul 2023 #79

Wrong, it adds to Medicare with extra benefits. True Blue American Jul 2023 #80

I bought insurance before Obamacare and insurance definitely had a million dollar cap Casady1 Jul 2023 #27

I get it ... Auggie Jul 2023 #32

Your "decent PPO" would have dropped you if you'd developed an expensive cancer pnwmom Jul 2023 #36

That's a fabrication. You can't know that. Auggie Jul 2023 #38

I can't know about your particular health situation, but it's not a fabrication that most policies pnwmom Jul 2023 #44

Yes we can uponit7771 Jul 2023 #61

No you can't. It's a fabrication to substantiate your own righteousness. Auggie Jul 2023 #69

Yes you CAN have know if your insurer COULD drop you before ACA. The answer is they can ... uponit7771 Jul 2023 #72

And lack of facts.o True Blue American Jul 2023 #76

How do you come to this conclusion,? True Blue American Jul 2023 #57

Would you take the chance with a loved ones life with pre ACA HCI? tia uponit7771 Jul 2023 #62

I came to that conclusion by reading and experience. We knew how high hospital bills pnwmom Jul 2023 #68

Did ACA jack up your cost or the state you live in? tia uponit7771 Jul 2023 #60

funny, I paid a lot less treestar Jul 2023 #64

ACA saved my life bmichaelh Jul 2023 #7

No Repuke should ever be believed ... and especially not Chump FakeNoose Jul 2023 #45

:) True Blue American Jul 2023 #58

The Sad Thing Is NowISeetheLight Jul 2023 #8

This is why we have huge market caps however lostnfound Jul 2023 #9

If you haven't seen Sicko, Abigail_Adams Jul 2023 #10

Cuba NowISeetheLight Jul 2023 #26

Thank you, everyone who voted Democratic Hortensis Jul 2023 #11

Health insurance companies are needless parasites. Hermit-The-Prog Jul 2023 #14

The insurance companies are still keeping track Cairycat Jul 2023 #15

+1 leftstreet Jul 2023 #47

thank you President Obama LetMyPeopleVote Jul 2023 #19

Great point bmichaelh Jul 2023 #21

Lets not forget "ACA" is pretty much the republicans original healthcare option from the 90s Cheezoholic Jul 2023 #28

The public option was supposed to make the difference questionseverything Jul 2023 #81

I have free HC insurance XanaDUer2 Jul 2023 #29

No lifetime maximum caps with Medicare. Liberal In Texas Jul 2023 #33

Not all Medicare Advantage plans are equal wolfie001 Jul 2023 #66

re: prior authorizations misanthrope Jul 2023 #74

Yup Dave says Jul 2023 #34

Don't put all the blame on the "benefit managers". They have to negotiate Wonder Why Jul 2023 #35

I was going to say that the true cost is probably less than $100,000 SouthernDem4ever Jul 2023 #41

The difference between what you pay for and what you get is called "profit". Midnight Writer Jul 2023 #40

My grand baby would be dead if that cap were still in place peggysue2 Jul 2023 #46

STEPHEN KING HAD TO SUE HIS INSURANCE COMPANY Jimvanhise Jul 2023 #49

wtf ?! yeah, if Stephen King is suing for insurance coverage the avg America was screwed uponit7771 Jul 2023 #63

My husband and I are on Obamacare, too. THANK YOU, President Obama, House Speaker Nancy Pelosi, LaMouffette Jul 2023 #53

It WAS a BFD flamingdem Jul 2023 #54

I am so, so glad I joined the Army. Ligyron Jul 2023 #67

But you still went on Medicare True Blue American Jul 2023 #77

Bump in honor of Peggysue2's baby granddaughter's liver transplant Hortensis Aug 2023 #82