General Discussion

pnwmom

(108,955 posts)

69. Then you re-sign up. I'm sure you're not the first person who thought of that question -- it's

Sat Aug 31, 2013, 11:49 AM

Aug 2013

a good one. I'm expecting that they will have an answer.

But even when Medicare started up, there were lots of glitches. It wasn't the first perfect law. I expect there will be problems with the ACA, too, and everyone who cares will do their best to work through them. Everyone except the Rethugs who will continue to try to obstruct everything.

Edit history

Please sign in to view edit histories.

94 replies

= new reply since forum marked as read

Highlight:

High deductible heath plans maim and kill people [View all] eridani Aug 2013 OP

Anything misused can maim and kill people customerserviceguy Aug 2013 #1

Car accident in Nov., appendicitis in Feb Lars39 Aug 2013 #2

The premiums are so dramatically lower than the premiums on standard plans Ms. Toad Aug 2013 #4

People aren't going to bank the difference. CANDO Aug 2013 #7

So you would pay Ms. Toad Aug 2013 #8

It all depends on the plans offered and the comparative details. CANDO Aug 2013 #15

My numbers come from both direct shopping Ms. Toad Aug 2013 #36

Many won't bank the difference customerserviceguy Aug 2013 #72

I had an $8,000 deductible. Out $16,000+. Went bankrupt. Lars39 Aug 2013 #11

It actually doesn't Ms. Toad Aug 2013 #14

Aren't the HSA's supposed to be used yearly? CANDO Aug 2013 #6

FSAs are annual. Ms. Toad Aug 2013 #10

Exactly customerserviceguy Aug 2013 #70

Placing bets on whether or not serious health care expenses will fuck you over-- eridani Aug 2013 #17

So, someone who has used an HSA customerserviceguy Aug 2013 #71

If they win, someone else loses eridani Sep 2013 #76

Again, there you go customerserviceguy Sep 2013 #79

Yes--I want to take it to put it into the general pool which would fund health care for ALL eridani Sep 2013 #81

At least you admitted it customerserviceguy Sep 2013 #92

I want to take your money to build roads and schools too eridani Sep 2013 #94

Current law alllows the deductibles in these plans to be just over $6000 annually (single coverage) dflprincess Aug 2013 #52

It all sounds so confusing Art_from_Ark Aug 2013 #66

I don't know what the deductibles are for every plan customerserviceguy Aug 2013 #74

K&R - and bookmarked jpak Aug 2013 #3

That's why I prefer HMO, so all the costs are fixed and usually lower than PPO cbdo2007 Aug 2013 #5

Not the ones I'm familiar with. Ms. Toad Aug 2013 #9

I have a high deductible insurance plan penultimate Aug 2013 #12

Pray you don't get sick toward the end of the year. CANDO Aug 2013 #16

Yeah, that would suck... penultimate Aug 2013 #21

Can you explain more? BlueCheese Aug 2013 #29

Yeah, the plan waives the deductible for office visits. penultimate Aug 2013 #30

I was paying $650/mo for a $5,000 deductible leftyladyfrommo Aug 2013 #13

I have a high deductible plan with a health savings account...I love it. DisgustipatedinCA Aug 2013 #18

I hope you 85% folks realize what you are doing here eridani Aug 2013 #19

"You are colluding in bankruptcy and murder..." Quantess Aug 2013 #20

Right. Just fuck expensively sick people eridani Aug 2013 #23

Single payer is the best way to go. Quantess Aug 2013 #25

There may be a single payer activist group in your state eridani Aug 2013 #26

The 85% who pay insurance premiums that will mostly cover OTHER people are colluding pnwmom Aug 2013 #35

What the 85% are doing is mostly making insurance companies rich eridani Aug 2013 #37

Are you aware that medical bankruptcies are sharply down since Romneycare was enacted pnwmom Aug 2013 #38

59% to 50% is not "sharply down" to sane people eridani Aug 2013 #39

Your article was from 6 years ago -- 2007 was the year Romneycare PASSED. pnwmom Aug 2013 #40

Is 2012 recent enough for you? eridani Aug 2013 #42

The problem with that study and others is that medical costs are usually only a part pnwmom Aug 2013 #44

You'e kidding, right? Of course there is a "medical care plan eridani Aug 2013 #46

You don't get it. If you lose your job you can STILL go bankrupt even if you have Medicare. pnwmom Aug 2013 #48

Then it won't be a health care bankruptcy, will it eridani Aug 2013 #49

Most health care bankruptcies are from a combination of factors, pnwmom Aug 2013 #50

Single payer solves the second problem, right? n/t eridani Aug 2013 #51

IF, medical insurance was not tied to employment ... slipslidingaway Aug 2013 #56

But unemployment is also tied to bankruptcies, obviously. pnwmom Aug 2013 #57

But, should you need to be employed to have access to HC ... slipslidingaway Aug 2013 #59

No you shouldn't. And under Obamacare you will be able to get Medicaid pnwmom Aug 2013 #61

Only if you live in a state accepting Medicaid money and agreeing to the expansion eridani Aug 2013 #62

It's not the Democrats' fault that some Repub governors are evil. pnwmom Aug 2013 #65

What happens when you sign up and your circumstances change? eridani Aug 2013 #68

Then you re-sign up. I'm sure you're not the first person who thought of that question -- it's pnwmom Aug 2013 #69

Once you are on Medicare, you STAY on Medicare. Your eligibility doesn't change eridani Sep 2013 #83

Yes, I would prefer Medicare! But the ACA is what we have now, pnwmom Sep 2013 #85

Yes--let's give that ACA provision for state single payer a chance. eridani Sep 2013 #86

Are there any groups pushing for that in Washington? I'd be happy to support them. n/t pnwmom Sep 2013 #87

Yes, there are eridani Sep 2013 #88

Thanks! Maybe you should try to get the word out about the work being done by these orgs pnwmom Sep 2013 #89

This whole argument of "let's just wait and see how the exchanges work" eridani Sep 2013 #90

If this fails that will be the end of any more experiments for decades. Forget single payer. pnwmom Sep 2013 #91

Agreed. If other states get on board with single payer, the chances of it spreading improve n/t eridani Sep 2013 #93

Yep. hunter Aug 2013 #45

Sometimes the choice is between a HDHP and not affording coverage at all. Lex Aug 2013 #22

It's "coverage" only if you are in the lucky 85% eridani Aug 2013 #24

I'm not following you with that penultimate Aug 2013 #31

Please re-read post #11 eridani Aug 2013 #32

Well, first a chronic illness or accident eats away your net worth... hunter Aug 2013 #47

^^^^^ n/t slipslidingaway Aug 2013 #54

. libodem Aug 2013 #27

touted as "getting the incentives right", they in fact get the incentives all wrong. unblock Aug 2013 #28

very very good post Supersedeas Aug 2013 #41

Living the dream right now FreeJoe Aug 2013 #33

^^this^^ n/t eridani Aug 2013 #34

this is exactly what i was talking about in post #28. unblock Aug 2013 #43

Yet the high deductible plan saved you 1,000. Travis_0004 Aug 2013 #53

No, they aren't for everybody. They are a bonus point system for the healthy and eridani Aug 2013 #64

Shouldn't I pay less? Travis_0004 Aug 2013 #67

You've framed the decision incorrectly customerserviceguy Aug 2013 #75

Like to take a guess as to what the average monthly malpractice premium is in-- eridani Sep 2013 #77

Oh, I know it's a pittance compared to what they pay here customerserviceguy Sep 2013 #78

The way they handle the issue is to give EVERYONE health care as a human right eridani Sep 2013 #80

I really want to know when the Dems will Allow an open discussion ... slipslidingaway Aug 2013 #55

At the national level, never eridani Aug 2013 #63

And so do policies with annual and lifetime limits, pnwmom Aug 2013 #58

Oh BS, thankfully we did not have a lifetime limit on our policy and ... slipslidingaway Aug 2013 #60

That's what our healthcare system does. It's a heinous system. nt Zorra Aug 2013 #73

It is a simple continuation of the Class War against poor people. Trillo Sep 2013 #82

Bronze Plan leads to a Pine Box. kenny blankenship Sep 2013 #84