General Discussion

LittleGirl

(8,999 posts)

143. spouse came home yesterday

Wed Sep 18, 2013, 02:40 PM

Sep 2013

and said he got an email that our company provided (self insured) healthcare costs are going up next year and so are the deductibles. We pay close to 200 a month for premiums (just us two) and our deductibles for in-network and out of network are in the low thousands. He said that spouses that work and are using this companies' plan will be penalized (charged a fee) for not getting health care at their own employer. (I thought that odd considering some spouses probably work part-time or aren't eligible for health care at their employer). Who knows anymore????

I wondered out loud if the company is hoping to have their employees go outside of the company and get their own healthcare in the exchanges.

My spouse and I agree, we need to get single payer in this country and pound it louder than the GOP.

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For millions, insurance will cost less than $100/month [View all] sinkingfeeling Sep 2013 OP

This is why they GOP hates ACA. joshcryer Sep 2013 #1

What's the deductible? leftstreet Sep 2013 #2

That's a very important question Art_from_Ark Sep 2013 #4

Silver plans cover all preventative care (but not dental) lumberjack_jeff Sep 2013 #27

So the silver plan doesn't cover the costs for dental care Art_from_Ark Sep 2013 #37

Are you talking to me? lumberjack_jeff Sep 2013 #71

The first part of my question was merely asking for confirmation Art_from_Ark Sep 2013 #127

You're right about "preventative care" - it does mean checkups and physicals. lumberjack_jeff Sep 2013 #138

Of course it covers pre-existing medical conditions (including mental health). pnwmom Sep 2013 #76

What's the deductible? n/t leftstreet Sep 2013 #42

Depends on the co-pay, which depends on the deductible. lumberjack_jeff Sep 2013 #69

Well they don't want poor people to be able to eat so they will die sooner. L0oniX Sep 2013 #45

Yeah, it'd be nice if people could get subsidized dental care too. n/t lumberjack_jeff Sep 2013 #72

It'd be nice if teeth, eyes and ears were considered the same way as a pecker in Health Care. nt adirondacker Sep 2013 #88

This is certainly better than nothing. But with today's high health care costs having to pay 13% totodeinhere Sep 2013 #93

The actuarial value is based on the community. lumberjack_jeff Sep 2013 #105

That depends on income, since there are both tax credits to lower pnwmom Sep 2013 #80

from the article PowerToThePeople Sep 2013 #3

+1 DJ13 Sep 2013 #5

$0 with NO deductible, if ya ask me. Jackpine Radical Sep 2013 #32

And how do these "tax subsidies" get applied? Hassin Bin Sober Sep 2013 #6

I've asked that question several times and have not gotten an answer. Autumn Sep 2013 #11

Actually the tax credit can be paid to the insurance company in advance: PoliticAverse Sep 2013 #77

Thanks for that . looking it up now. Autumn Sep 2013 #95

You may find this page useful as well.. PoliticAverse Sep 2013 #96

That's it. So much easier. Bookmarking this Autumn Sep 2013 #98

Thanks for the link..... llmart Sep 2013 #119

Thank you. n/t CottonBear Sep 2013 #102

No, you don't have to pay it all up front Autumn Colors Sep 2013 #94

This IRS webpage answers questions on the credit... PoliticAverse Sep 2013 #97

Hi Autumn Colors. PoliticAverse posted just what we needed. Autumn Sep 2013 #99

Hi! Autumn Colors Sep 2013 #152

More than ready, it's been a long summer. Autumn Sep 2013 #153

I want to know about the tax subsidy too. CottonBear Sep 2013 #101

It's available as a paid upfront directly to the insurance providers tax credit. PoliticAverse Sep 2013 #120

Thank you so much! n/t CottonBear Sep 2013 #145

You are so right Boudica the Lyoness Sep 2013 #9

Indeed it is. Daniel537 Sep 2013 #25

That $1436 is before taxes BuelahWitch Sep 2013 #33

How does this work in countries that have universal health care? Do lower income people not pay for cbdo2007 Sep 2013 #19

In the UK people don't 'buy' health insurance Boudica the Lyoness Sep 2013 #121

That's what I'm asking - what is the tax % people pay for the universal health care?? cbdo2007 Sep 2013 #141

They don't have $600 for rent either. lumberjack_jeff Sep 2013 #29

correct. PowerToThePeople Sep 2013 #31

It wouldn't be $57 per family member because that number is based pnwmom Sep 2013 #81

But they may still get injured or sick, and then they will be on the hook SoCalDem Sep 2013 #85

+1 uponit7771 Sep 2013 #122

The Devil is in the details. former9thward Sep 2013 #7

Clearly the ACA sucks. We just need to figure out why. JoePhilly Sep 2013 #10

It entrenches for-profit insurance companies. Duh n/t leftstreet Sep 2013 #12

Sure, it entrenched something that was already entreched. JoePhilly Sep 2013 #13

Insurance payments have always been mandated? leftstreet Sep 2013 #16

I get the sense there's lots of stuff you don't know. JoePhilly Sep 2013 #18

What's the deductible again? leftstreet Sep 2013 #20

And caps their profits at 20%, forever. tridim Sep 2013 #34

I don't think you understand the MLR leftstreet Sep 2013 #41

True, profits will be capped at a small percentage of the 20% max MLR. lumberjack_jeff Sep 2013 #107

Is there a cap on premium prices year to year? nt Mojorabbit Sep 2013 #103

No. There's a cap on profits (medical loss ratio). n/t PoliticAverse Sep 2013 #147

I was afraid that would be the answer. Thank you Mojorabbit Sep 2013 #149

It does't matter what state laws say - Ms. Toad Sep 2013 #151

Actually, it caps the amount they can spend on things other than medical services Nuclear Unicorn Sep 2013 #110

The ACA is simply rearranging the deck chairs on the Titanic. former9thward Sep 2013 #14

So when the titanic hit that iceberg, since their weren't enough life boats ... JoePhilly Sep 2013 #17

Its a perfect analogy. former9thward Sep 2013 #21

Think of Single Payer as the RMS Carpathia. JoePhilly Sep 2013 #26

The majority of people in the U.S. are right wingers? former9thward Sep 2013 #35

The majority of those who oppose the ACA are right wingers, yes. JoePhilly Sep 2013 #54

Is the AFL-CIO a right wing organization? former9thward Sep 2013 #62

I don't see why we should help sociopath heath insurance corporations. They are preditors. L0oniX Sep 2013 #44

Doing nothing is a much better plan. JoePhilly Sep 2013 #55

Single payer is the only moral plan. L0oniX Sep 2013 #65

No. It is immoral to let 45,000 die each year waiting for single payer that never comes. SunSeeker Sep 2013 #79

Bingo! Bigredhunk Sep 2013 #111

Ok then let them pay to stay alive because that is moral. n/t L0oniX Sep 2013 #114

Medicare will be expanded to cover those who can't pay. But you will always find something to hate. SunSeeker Sep 2013 #118

Being overly optimistic is your thing ...I'll count my chickens after they are hatched. n/t L0oniX Sep 2013 #128

I think you mean Medicaid area51 Sep 2013 #131

It's more like having paid to reserve a spot in a lifeboat Cal Carpenter Sep 2013 #23

Exactly. Daniel537 Sep 2013 #28

I agree, but unfortunately there just isn't the will among the D.C. elite to do this right now. Daniel537 Sep 2013 #22

ACA was designed to keep Single payer from happening. RC Sep 2013 #106

I am on board with single payer too. n/t PowerToThePeople Sep 2013 #24

The ACA is the best chance we have now TOWARD single payer, pnwmom Sep 2013 #86

I am in favor of states moving forward on the issue. former9thward Sep 2013 #87

If the ACA FAILS we can be sure single payer won't be allowed to proceed anywhere. pnwmom Sep 2013 #89

we should just trash the whole thing. Whisp Sep 2013 #15

Why don't you try and address Le Taz Hot Sep 2013 #48

oh, The Concerns.... Whisp Sep 2013 #50

Wow! Le Taz Hot Sep 2013 #51

They won't have 'concerns' until they lose their good coverage leftstreet Sep 2013 #53

2014 is the year "Obamacare" comes into affect Le Taz Hot Sep 2013 #59

2018 for the excise tax on good employer plans leftstreet Sep 2013 #60

older people making over 400% FPL really get nailed. I've tried to explain this over and over. antigop Sep 2013 #117

If my math is correct, 400% over FPL is $69,000 +. At that pay level, most people Hestia Sep 2013 #142

A ton of self employed people might fit into that box. Mojorabbit Sep 2013 #150

I work with someone making $17k a year. lumberjack_jeff Sep 2013 #30

If she had a stroke any emergency room is required to take her without insurance. former9thward Sep 2013 #36

Emergency rooms charge more than an insured person Stargazer99 Sep 2013 #56

The emergency room isn't the issue. The issue is primary care so they can observe. lumberjack_jeff Sep 2013 #67

I hope the ACA does well for her. former9thward Sep 2013 #70

It can't be worse than being uninsured. n/t lumberjack_jeff Sep 2013 #73

Yes, that's a much better system tabasco Sep 2013 #78

But they will still bill you afterwards, and charge you MORE than if you had insurance.n/t pnwmom Sep 2013 #82

Don't pay the bill. former9thward Sep 2013 #90

No, not easy to win. You would need to pay for an attorney. pnwmom Sep 2013 #91

Earning 17k in NYC is not the same as 17k in Holland Mi. L0oniX Sep 2013 #43

Sure it is. lumberjack_jeff Sep 2013 #68

Good point also... uponit7771 Sep 2013 #123

If she's from MI... roamer65 Sep 2013 #126

Message auto-removed Name removed Sep 2013 #115

You seem really angry maddezmom Sep 2013 #116

Money they don't have Precisely Sep 2013 #8

I have 4 distinctly different heart problems. Keefer Sep 2013 #38

It the Republican plan to make the general public ignorant Stargazer99 Sep 2013 #58

I look forward to switching ileus Sep 2013 #39

So does that cover "everything"? No co-pays? No drug costs? It may be tough enough... L0oniX Sep 2013 #40

That depends on income -- there are subsidies based on income that lower out-of-pocket costs too. pnwmom Sep 2013 #83

Just checked my silver plan lancer78 Sep 2013 #46

What's the deductible? leftstreet Sep 2013 #47

It is $2,250 n/t lancer78 Sep 2013 #49

HOLY SHIT !! leftstreet Sep 2013 #52

Sorry. lancer78 Sep 2013 #64

That low max out-of-pocket is a big deal. If you need expensive care, it is not likely to be denied Hoyt Sep 2013 #75

My daughter had a trip to the emergency room for a broken finger tip pnwmom Sep 2013 #84

Basic ACA Resource Guide Zorra Sep 2013 #57

This message was self-deleted by its author roamer65 Sep 2013 #124

Question about the subsidy. NCTraveler Sep 2013 #61

PoliticAverse gave me this link up thread Autumn Sep 2013 #100

Thank you for sharing that. NCTraveler Sep 2013 #109

I would ask everyone to use Wendell Potter's site. Not only do I think he's an Liberal_Stalwart71 Sep 2013 #63

Potter does some good things nowadays, but, fact is, he got rich screwing people. Hoyt Sep 2013 #74

Yes, he got rich screwing people, but like David Brock, he has more than made up Liberal_Stalwart71 Sep 2013 #92

Right Wing Posers Get off this board! dem in texas Sep 2013 #66

Buf if employee's costs paid by employer, no subsidies available for spouse and children JPZenger Sep 2013 #104

Well, maybe my Medicare payments will be reduced. RebelOne Sep 2013 #108

kick the hell out of this SCantiGOP Sep 2013 #112

At one point a typical middle class family of four heath care plan cost around $1,200 a month. Spitfire of ATJ Sep 2013 #113

Good news for those in MI roamer65 Sep 2013 #125

What a blessing for so many. Thanks, sinkingfeeling. freshwest Sep 2013 #129

Will 2012 incomes be used to determine subsidy? KennedyBrothers Sep 2013 #130

It's not so cheap for a couple who want to retire at age 62. B Calm Sep 2013 #132

Shame the Minimum wage couldn't be raised to cover this n2doc Sep 2013 #133

seems unfair santroy79 Sep 2013 #134

You do, or you will as soon as the exchanges are set up BainsBane Sep 2013 #135

Ins I have meets it already santroy79 Sep 2013 #136

For millions making 150% poverty, $57 mo is unaffordable bread_and_roses Sep 2013 #137

When you are making 17 grand a year, any amount whether it is 100 or 57 a month is a lot of money .. MindMover Sep 2013 #139

Please note: income is ADJUSTED gross income OKNancy Sep 2013 #140

spouse came home yesterday LittleGirl Sep 2013 #143

K & R Scurrilous Sep 2013 #144

That's still 640 million a month! Public Option Now grahamhgreen Sep 2013 #146

my medicare is around 100 a month madrchsod Sep 2013 #148