General Discussion

LWolf

(46,179 posts)

48. I've been saying this

Sun Sep 29, 2013, 10:27 AM

Sep 2013

since single-payer was forcibly rejected.

My employer pays most of my insurance premium. The total is more than my younger son's mortgage on his first house, bought a year ago. I have a $1500 deductible and 20% copay. That insurance policy has yet to actually pay for anything; what I use comes out of my pocket. Unless something catastrophic happens, they never will, because I can't afford the $1500, so I get as little care as possible. In the last 5 years, I've been treated for shingles and an abscess, and haven't been near a doctor or medical building otherwise.

Edited to add:

My results, when I enter my information at my state's exchange site, say:

"You may be eligible to get quality health insurance through the Health Insurance Marketplace. But based on the information you provided, you probably won’t qualify to save money on your monthly premiums or out-of-pocket costs. You'll find out for sure when you apply for coverage starting October 1, 2013."

Edit history

Please sign in to view edit histories.

Recommendations

0 members have recommended this reply (displayed in chronological order):

60 replies

= new reply since forum marked as read

Highlight:

A possible unintended side effect of Obamacare [View all] yurbud Sep 2013 OP

A lot of people have been asking for that enlightenment Sep 2013 #1

"turned away"? How about arrested and marched out solarhydrocan Sep 2013 #4

I have not forgotten. RC Sep 2013 #5

outside, on the steps at best (if we're lucky) yurbud Sep 2013 #34

At the 'You're allowed to voice your protest here' zone. icymist Sep 2013 #44

Would you qualify for a subsidy to help with that amount? NightWatcher Sep 2013 #2

I think my wife and I together make too much--though student loan payments take a bite yurbud Sep 2013 #8

Discounted premium. Ms. Toad Sep 2013 #18

People who now pay their own costs will be thrilled! My COBRA is $1,432.49/month. NYC_SKP Sep 2013 #3

There were times when I could have gotten individual insurance for that but couldn't afford it yurbud Sep 2013 #9

And, COBRA is for a limited time, right? MH1 Sep 2013 #15

18 months and then 18 months again = 3 years. NYC_SKP Sep 2013 #17

Should be far less than COBRA. n/t Ms. Toad Sep 2013 #20

I pay for my own, but am lucky enough to live in the only state that has implemented bluestate10 Sep 2013 #25

It's not the "real" cost of health CARE, it's the real cost of health INSURANCE COMPANY PROFITS yurbud Sep 2013 #35

That profit is definitely waste, but at best eliminating "profit" from premiums will save only 10% Hoyt Sep 2013 #53

and for those who dont live in "blue states"? bunnies Sep 2013 #54

The average Walmart worker earns about 17K a year... Demo_Chris Sep 2013 #6

Those will have subsidies MH1 Sep 2013 #16

That average Walmart employer would get insurance that are virtually free to them under the bluestate10 Sep 2013 #26

Not to worry Demo_Chris the poor people will be dumped into the so-called bronze plans Egalitarian Thug Sep 2013 #37

Sadly, the mandated premiums demanded of the poor... Demo_Chris Sep 2013 #39

I don't think there's any question of for whom it works, at all. Egalitarian Thug Sep 2013 #41

This is my read on it as well.. Demo_Chris Sep 2013 #42

Not entirely. Some wellness/preventative measures will be free Orangepeel Sep 2013 #47

That would be a very good side effect. Laelth Sep 2013 #7

I don't think it's the intent, but I hope it's an effect nonetheless yurbud Sep 2013 #10

As a side point, that's cheaper than Medicare Recursion Sep 2013 #11

You can't be serious. RebelOne Sep 2013 #12

You presumably have paid in to the system, yes? Recursion Sep 2013 #14

I am over 65 and I think I just have Part A, RebelOne Sep 2013 #52

Almost nobody has to pay the Part A premium (except for the Medicare trust fund) Recursion Sep 2013 #57

Most people that have jobs that provide health care coverage never see the real cost of their bluestate10 Sep 2013 #28

That goes on this year's W-2's, right? Recursion Sep 2013 #29

You must be kidding. RebelOne Sep 2013 #51

But Part A - hospital - is "free," and you only pay about 1/3 average of Part B. Hoyt Sep 2013 #56

That's the subsidized Part B premium Recursion Sep 2013 #58

I understand that if you get a silver plan, many people can get subsidies for out-of-pocket costs, pnwmom Sep 2013 #13

A person or family must earn below a specific amount for subsidies. In my state, a bluestate10 Sep 2013 #22

BINGO. We have a WINNAH!!! bluestate10 Sep 2013 #19

I once got a quote out of curiosity from Blue Cross over the phone, the guy actually said JaneyVee Sep 2013 #21

The quote was likely for a top of the line Gold plan. Search on your ACA Exchange. bluestate10 Sep 2013 #23

This was 4 years ago. I was agreeing that most people don't know how much JaneyVee Sep 2013 #24

I was actually looking at Kaiser. I like the way they deliver services. yurbud Sep 2013 #33

My prediction: The ACA's greatest contribution will be to show the wisdom of single-payer n/t arcane1 Sep 2013 #27

"they probably have no idea what the total cost of their coverage is." PoliticAverse Sep 2013 #30

Probably a good thing but I'm not really personally pleased as that piece will make my TheKentuckian Sep 2013 #36

I'm glad that's in there. I hope people actually look at it. yurbud Sep 2013 #45

And the more who sign up, the less HC is linked to a specific job. DevonRex Sep 2013 #31

We effectively cannot, not most of us. Our employer contribution is not portable and we can't get TheKentuckian Sep 2013 #38

I'm looking at it this way. DevonRex Sep 2013 #40

They better pay a hell of a lot more and magically spring up within walking distance. TheKentuckian Sep 2013 #46

I would like to see a single payer system and though I was covered over the years by insurance I Thinkingabout Sep 2013 #32

good god his insurance is 1200/mth. who okieinpain Sep 2013 #43

I've been saying this LWolf Sep 2013 #48

I agree with you. DevonRex Sep 2013 #49

I guess I'll find out SOMETHING for sure on October 1st. LWolf Sep 2013 #50

Before I got coverage through a job, I used to do the math on premiums vs my out of pocket costs... yurbud Sep 2013 #59

Yes. LWolf Sep 2013 #60

Many people see the ACA as a large step toward the real goal pnwmom Sep 2013 #55