General Discussion

Ms. Toad

(38,683 posts)

105. Across the board.

Fri Oct 11, 2013, 10:54 AM

Oct 2013

There are subsidies available both for premiums and for cost sharing. In the Medicaid range, and in the lower income end of the subsidy range (or for people with normal medical expenses) the cost sharing arrangement is reasonable. There might be a huge expense ($6250 without subsidy) once in a while. It would be really hard. But with careful management, people who don't qualify for much subsidy should be able to manage it once in a while.

It is the people who use tons of medical care every single year who will have to pay that much every single year for whom it will be unaffordable.

(For those with unexpanded Medicaid it will be significantly worse for anyone who is below the subsidy range - and who has chronic conditions. They will be paying the full unsubsidized premium (unmanageable all by itself at that income range) PLUS the full out of pocket cap every single year. That's about $10,000 a year for unsubsidized premium + unsubsidized medical expenses.)

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If you start a thread poor-mouthing about how you just can't swing ACA... [View all] Nine Oct 2013 OP

Hmmm.... 99Forever Oct 2013 #1

Should be VERY interesting... AAO Oct 2013 #66

love that gif of Jon Stewart... yuiyoshida Oct 2013 #222

Me too, it's awesome! AAO Oct 2013 #229

yeppers In_The_Wind Oct 2013 #125

*************Public Service Announcement***************** bvar22 Oct 2013 #179

+1 Should be an OP. /NT pintobean Oct 2013 #183

Frankly... 99Forever Oct 2013 #221

The OP and 104 members of DU believe that it is perfectly fine, bvar22 Oct 2013 #224

Second that, bvar (n/t) bread_and_roses Oct 2013 #237

A person is anonymous on this board. Informing of their income and what particular subsidies they Maraya1969 Oct 2013 #241

Post removed Post removed Oct 2013 #251

+another Matariki Oct 2013 #235

+ a zillion 840high Oct 2013 #246

^^^THIS^^^ progressoid Oct 2013 #249

What he really means is BainsBane Oct 2013 #253

What utter foolishness. MADem Oct 2013 #257

Thank you, Nine. Your advice is sorely needed around here lately. n/t lamp_shade Oct 2013 #2

The only people who have a legitimate gripe ... dawg Oct 2013 #3

I have to agree with this, the ACA is a raw deal for people in those states. joshcryer Oct 2013 #19

No, the ACA is not a raw deal Jeff In Milwaukee Oct 2013 #23

True. joshcryer Oct 2013 #30

I know because I have one Jeff In Milwaukee Oct 2013 #35

The people are going to get rid of these idiot governors. joshcryer Oct 2013 #43

Thank God Rick Perry is not going to be our governor any longer. Except that ashling Oct 2013 #63

Worse than Perry! malokvale77 Oct 2013 #189

Oh, my. You have the kings of douches. The queen is Rick Scott in Florida. nt valerief Oct 2013 #56

yup. eom ellenfl Oct 2013 #156

I couldn't and wouldn't OriginalGeek Oct 2013 #212

Scotty is a douchebag with a special ALEC dick sauce Half-Century Man Oct 2013 #242

Like Iowa IADEMO2004 Oct 2013 #130

^^^^^^^THIS^^^^^^^^ DonCoquixote Oct 2013 #152

That is true for Texas ACA. "Having a governor who is a massive douchebag is a raw deal." Sunlei Oct 2013 #164

+1 uponit7771 Oct 2013 #177

+1,000 regarding the douchbag governors...... TheDebbieDee Oct 2013 #209

and that is Ohio irisblue Oct 2013 #31

And Pennsylvania, and my adult children (I'm on Medicare). enough Oct 2013 #45

Kasich became gov in 2010 irisblue Oct 2013 #53

Corbett was also elected in 2010. I agree about midterm elections. And the one coming up will be enough Oct 2013 #162

And people with employer insurance, or that it is even offered Puzzledtraveller Oct 2013 #33

I'm sorry but that is just not true Ms. Toad Oct 2013 #42

your daughter's numbers don't sound right. Sedona Oct 2013 #50

Just stop it. Ms. Toad Oct 2013 #64

In her particular case, would she be better off pnwmom Oct 2013 #98

We're in the process of running the numbers. Ms. Toad Oct 2013 #112

You've made a good point, Ms. Toad. pnwmom Oct 2013 #174

Exactly the point I was trying to make. Ms. Toad Oct 2013 #182

Somebody made me think of this man yesterday -- pnwmom Oct 2013 #185

Exactly. n/t Ms. Toad Oct 2013 #187

And people forget that Chris Reeve himself blew through his lifetime insurance cap fairly early on kestrel91316 Oct 2013 #193

If it didn't bankrupt them, it was because of those friends. pnwmom Oct 2013 #194

Yes he was. mimi85 Oct 2013 #218

Yes. The thing about his situation, though, pnwmom Oct 2013 #225

so her yearly costs will be about 27% of income? questionseverything Oct 2013 #213

I'm sorry you're in this situation - Ms. Toad Oct 2013 #226

self employed so next years income is always questionseverything Oct 2013 #230

I know that routine - Ms. Toad Oct 2013 #231

I didn't think the concepts "deductible" and "out of pocket" would be so hard to understand BlueStreak Oct 2013 #111

To be fair - Ms. Toad Oct 2013 #116

The one good thing about the ACA for you is BlueStreak Oct 2013 #118

That's why I lobbied congress as hard as I could to pass it, Ms. Toad Oct 2013 #186

Well said. cilla4progress Oct 2013 #133

Stephanie Miller is on a different planet right now BlueStreak Oct 2013 #143

I keep saying medicare isn't that great a deal either. dkf Oct 2013 #211

I'm really hoping we move toward that system. Ms. Toad Oct 2013 #227

It's a significant cut and the profit motive distorts everything. dkf Oct 2013 #234

Please learn the difference enlightenment Oct 2013 #113

I agree that the ACA doesn't go far enough, and that it could be improved. dawg Oct 2013 #79

Absolutely. Ms. Toad Oct 2013 #106

Is that across the board or just in states that didn't take the medicaid expansion? nt meadowlark5 Oct 2013 #87

Across the board. Ms. Toad Oct 2013 #105

Thanks for the info meadowlark5 Oct 2013 #114

That is a good point. Now that we have ACA, a decent Congress can enact programs to help cover Hoyt Oct 2013 #90

So your daughter's expenses are 60K, but she pays 6,200 + premiums taught_me_patience Oct 2013 #150

You're missing the point. Ms. Toad Oct 2013 #181

Yes, it is a very legitimate gripe. That deductible's a killer for someone in a chronic condition hooverville29 Oct 2013 #159

The deductible is bad - Ms. Toad Oct 2013 #184

This message was self-deleted by its author ann--- Oct 2013 #74

You are on single payer. Nothng has changed for you. dawg Oct 2013 #80

I had an individual pre-ACA policy for 3 years, cilla4progress Oct 2013 #140

If your old plan was run by the state on some level ... dawg Oct 2013 #144

Something along these lines may be true. cilla4progress Oct 2013 #147

Your plan costs sound very similar to my insurance plan I had when I worked for the State (Texas) Sunlei Oct 2013 #171

This message was self-deleted by its author ann--- Oct 2013 #153

My point was that your situation has not been changed by the ACA. dawg Oct 2013 #160

This message was self-deleted by its author ann--- Oct 2013 #197

BINGO!!! nt kelliekat44 Oct 2013 #75

I'm stuck with one of these douchebag governors. Brigid Oct 2013 #115

You want account numbers pintobean Oct 2013 #4

No, I want people to stop wasting our time. Nine Oct 2013 #5

hide thread if you don't like what you're reading. datasuspect Oct 2013 #7

Hear, hear! Demeter Oct 2013 #72

wasting "our" time? datasuspect Oct 2013 #10

Me for one. nt Snotcicles Oct 2013 #15

well give me your home address datasuspect Oct 2013 #17

Nah, you might post it elsewhere so I could get death threats. nt Snotcicles Oct 2013 #52

I think 'personally identifying info can be misused" is kinda DS's point Nuclear Unicorn Oct 2013 #92

The OP wasn't asking for "personally identifying info" maybe some of you ought to read Snotcicles Oct 2013 #107

Everything can be built upon. Mention a state, a job, income -- even months apart -- it adds up Nuclear Unicorn Oct 2013 #117

me. do some research and present a well-documented argument Pretzel_Warrior Oct 2013 #205

Call-out threads about wasting time pintobean Oct 2013 #12

I get your point but it would be stupid for anyone to divulge private financial information Bluenorthwest Oct 2013 #29

If you don't want to waste your time, perhaps you shouldn't spend it on a internet discussion board. progressoid Oct 2013 #73

This message was self-deleted by its author ann--- Oct 2013 #78

No one is required to read or respond to that thread Renew Deal Oct 2013 #96

Uhhh yea. Lurker Deluxe Oct 2013 #9

do you demand the same from people with positive ACA experiences? n/t Enrique Oct 2013 #6

positive ACA experience anecdotes datasuspect Oct 2013 #8

I needed that! Puzzledtraveller Oct 2013 #16

Dear Penthouse Letters, I never thought this would ever happen to me but Nuclear Unicorn Oct 2013 #93

If you're pointing out a problem with the system, you need to share specifics. Nine Oct 2013 #14

give me your home address, your telephone number, place of employment datasuspect Oct 2013 #20

No one is asking for that and you know it. Dawgs Oct 2013 #39

i'd rather look like one and have the question datasuspect Oct 2013 #48

So far, of the half dozen posts, they have provided that information. joshcryer Oct 2013 #27

or just use the exchange and plug in different values datasuspect Oct 2013 #28

It's possible to reverse engineer peoples' rates. joshcryer Oct 2013 #32

i dunno datasuspect Oct 2013 #34

See my edit. joshcryer Oct 2013 #40

I take most of those threads ... 1StrongBlackMan Oct 2013 #11

what is your motivation for trying to control the tone of messaging on this forum? datasuspect Oct 2013 #13

An insurance agent. Nuclear Unicorn Oct 2013 #24

Yes & providing the requested information could lead to an unsolicited policy quote !! lunasun Oct 2013 #208

hilarious. KG Oct 2013 #18

the tone of this person's post screams that they are acting in bad faith. datasuspect Oct 2013 #22

Swing and a miss Puzzledtraveller Oct 2013 #21

i might make a general demand on the Internets today datasuspect Oct 2013 #26

Completely ludicrous post. Sheldon Cooper Oct 2013 #25

I'm going to asume you are a CPA. Savannahmann Oct 2013 #36

The generic complaining is going to be a short term phenomenon. JoePhilly Oct 2013 #37

I haven't seen any on this site ... meegbear Oct 2013 #38

Which Party's members usually say 'if you claim to be poor we want to know what food Bluenorthwest Oct 2013 #41

They just need the specifics so they can "help". Skeeter Barnes Oct 2013 #44

+1 jsr Oct 2013 #51

Zing! City Lights Oct 2013 #54

+1 leftstreet Oct 2013 #83

+1 historylovr Oct 2013 #175

The ones who send FUD to sites like DU to spread damn lies without proof?! None of those what you... uponit7771 Oct 2013 #178

How many people become eligible for public assistance without disclosing their finances? nt geek tragedy Oct 2013 #200

More Meta posts. Whining about DU is allegedly against the SOP of GD. Bluenorthwest Oct 2013 #46

spoken by one who threatens like a bully often Pretzel_Warrior Oct 2013 #206

How rude to make an unsupported accusation like that. Bluenorthwest Oct 2013 #215

There is a new thread started about just that. have at it... Javaman Oct 2013 #47

Uh huh. And just how are you going to enforce this? quinnox Oct 2013 #49

The next demand will be Data Verification jsr Oct 2013 #55

"Obamacare is bad and overly burdensome to the not-rich and I am proof of that." Nine Oct 2013 #57

How can the following have nothing in common with interrogating poor people? Bluenorthwest Oct 2013 #60

could you cite a section from the TOS that supports your call for censorship DrDan Oct 2013 #58

Don't voluntarily use yourself as an example and then act like others are prying into your affairs. Nine Oct 2013 #59

That's not from the TOS Bluenorthwest Oct 2013 #62

making up more rules? DrDan Oct 2013 #65

Never said it was. (nt) Nine Oct 2013 #67

Who is "us"? And don't you want to talk specifics instead of hypotheticals? jsr Oct 2013 #69

I would love to talk specifics. Nine Oct 2013 #71

It's called "opinion." Bobbie Jo Oct 2013 #91

wrong DrDan Oct 2013 #138

But since one can't Bobbie Jo Oct 2013 #146

look - the poster is attempting to DrDan Oct 2013 #154

Not only are your responses done... Bobbie Jo Oct 2013 #165

exactly - appropriate feedback is being given - like these comments DrDan Oct 2013 #173

Except, I took issue with Bobbie Jo Oct 2013 #190

and I was just stating we were in agreement in one area DrDan Oct 2013 #191

Who the fuck died Le Taz Hot Oct 2013 #61

+1,000,000 n/t duffyduff Oct 2013 #207

You First BKH70041 Oct 2013 #68

Every one here should be able to agree with me..Health Care costs are outrageous If you don't well Tippy Oct 2013 #70

It's unreasonable for you to demand that people open up their books to total strangers online... JVS Oct 2013 #76

It's unreasonable for people to *voluntarily* use themselves as examples of how ACA is broken... Nine Oct 2013 #82

No, that's perfectly reasonable. And if you want to take it with a grain of salt, that's reasonable JVS Oct 2013 #85

So, is your point that cilla4progress Oct 2013 #145

Not necessarily refute, just address. Nine Oct 2013 #161

Ok, well, I haven't seen that many cilla4progress Oct 2013 #166

Thanks for the civil reply. Nine Oct 2013 #167

Me too.. cilla4progress Oct 2013 #169

Unreason responding to unreason is not likely to promote progress. n/t whopis01 Oct 2013 #260

This message was self-deleted by its author ann--- Oct 2013 #77

So now y'all are demanding financial specifics of people. JoeyT Oct 2013 #81

Nope. Only the ones who *voluntarily* use themselves as examples of how ACA is broken. (nt) Nine Oct 2013 #84

Sort of like how the Republicans only demand specifics of people JoeyT Oct 2013 #86

How about a Republican who says, "I lived on (blank) for (time period) and was quite comfortable."? Nine Oct 2013 #104

^^this^^ Puzzledtraveller Oct 2013 #110

+1 Brazillion Myrina Oct 2013 #119

Demanding Bully. nt. NCTraveler Oct 2013 #88

What are you, the self-apponted DU IRS auditor? nt Zorra Oct 2013 #89

Good try! displacedtexan Oct 2013 #94

"This law is based on nothing but human kindness." enlightenment Oct 2013 #122

Let us give thanks to private health insurance executives for their amazing magnanimity. jsr Oct 2013 #199

OMG, so many "I gots my freedumbs so don't push me" posters on this thread. valerief Oct 2013 #95

I've noticed that, too. I generally ignore them. BlueCaliDem Oct 2013 #128

You've got to wonder what their motivation is, eh? BlueCaliDem Oct 2013 #97

Bingo! nt valerief Oct 2013 #103

+1 freshwest Oct 2013 #204

Or maybe it could be that some folks think it is better to deal with the real world BlueStreak Oct 2013 #121

Maybe, but highly unlikely. BlueCaliDem Oct 2013 #126

You are welcome to bury your head in the sand if that's how you think you are most helpful BlueStreak Oct 2013 #132

I have never been one to bury my head in the sand. That's why I choose to be in BlueCaliDem Oct 2013 #136

Why are you a Democrat? cui bono Oct 2013 #196

Why are you? BlueCaliDem Oct 2013 #214

Because I believe in the party's principles. cui bono Oct 2013 #244

So do I. That's why I won't do anything to weaken the Democratic Party BlueCaliDem Oct 2013 #247

What good is strengthening the party if it no longer stands for Democratic cui bono Oct 2013 #248

Great Moments in DU History...."Gay marriage is for me unthinkable..." Bluenorthwest Oct 2013 #240

Wow! cui bono Oct 2013 #243

Dealing with the real world would include sharing more information jeff47 Oct 2013 #129

Of all the problems on this site BlueStreak Oct 2013 #134

No, they appear reasonable and forthright jeff47 Oct 2013 #141

Motivation? pintobean Oct 2013 #135

And that information isn't necessary to discuss the major problem areas. BlueStreak Oct 2013 #148

Show us a receipt for your rice and beans! leftstreet Oct 2013 #99

At the very least, don't complain re: your ACA monthly premium without disclosing your subsidy Lex Oct 2013 #100

I think the point is this: insurance on the exchange with a subsidy is VERY affordable! mountain grammy Oct 2013 #101

I'm not PasadenaTrudy Oct 2013 #102

ACA is not the problem. Brigid Oct 2013 #108

You sound crazy as a Teabagger, crazier. Even they wouldn't be expecting what you demand with TheKentuckian Oct 2013 #109

You echo my frustration Puzzledtraveller Oct 2013 #123

Do you want any duers who get food stamps to verify their low incomes too? quinnox Oct 2013 #120

Depends B Calm Oct 2013 #127

on what? quinnox Oct 2013 #151

If they are spouting right wing talking points! B Calm Oct 2013 #219

How about people who complain about estate taxes and capital gains taxes? Nine Oct 2013 #137

You're distracting from the point treestar Oct 2013 #220

Bravo! It's about time someone started calling out the poor and desperate.... Demo_Chris Oct 2013 #124

Well said! bvar22 Oct 2013 #188

Ahem, people claiming to be poor and desperate geek tragedy Oct 2013 #202

Bingo B Calm Oct 2013 #217

I hate that the poor working blue collar types Dragonfli Oct 2013 #254

HEHE, well said. nt Demo_Chris Oct 2013 #255

screw you. You are going on ignore and everyone else who claims there are absolutely no problems liberal_at_heart Oct 2013 #131

I never claimed that. (nt) Nine Oct 2013 #142

LOL B Calm Oct 2013 #157

With 71 Recommends that's a lot of people on ignore! B Calm Oct 2013 #163

I agree. I'm not buying most of these stories Pretzel_Warrior Oct 2013 #139

I get Medicaid and my mom gets a silver plan for $13.21 a month. BluegrassStateBlues Oct 2013 #149

Not for *you* B2G Oct 2013 #155

What do you want rrneck Oct 2013 #158

I would like proof that you aren't a republican, or a paid poster. I would like specific proof you Autumn Oct 2013 #168

As a gesture of Good Will, and a leadership example, bvar22 Oct 2013 #170

Please define "poor-mouthing." I've never heard that phrase before. Common Sense Party Oct 2013 #172

+1, It's disingenuous to think that people will take their word for it uponit7771 Oct 2013 #176

You took someone's word that everyone can afford a 10% tithe to the cartel without any support TheKentuckian Oct 2013 #195

Can I point out that although I agree with your post, truedelphi Oct 2013 #236

***************Public Service Announcement************** bvar22 Oct 2013 #180

Who the hell do you think you are? ohheckyeah Oct 2013 #192

The point is that without that information treestar Oct 2013 #216

This is a message board and opinions should be taken ohheckyeah Oct 2013 #223

The ACA is a numbers based thing treestar Oct 2013 #232

Don't believe them.... ohheckyeah Oct 2013 #233

Thanks Nine! You nailed it flamingdem Oct 2013 #198

I'm wondering why you chose to post this thread only about ACA complaints. cui bono Oct 2013 #201

T-H-A-N-K! Y-O-U! Tarheel_Dem Oct 2013 #203

Post removed Post removed Oct 2013 #210

Calling all naysayers. mia Oct 2013 #228

I can't swing ACA. Zavulon Oct 2013 #238

Can you hear me, way up there on your throne? Skip Intro Oct 2013 #239

LOL cui bono Oct 2013 #245

OK, here is my question, though Tumbulu Oct 2013 #250

Who made you king of DU? BainsBane Oct 2013 #252

yeah, everyone knows the aca is perfect, and anyone who says it's not Doctor_J Oct 2013 #256

Poor bashing. ForgoTheConsequence Oct 2013 #258

yeah, that's almost as bad as being a welfare queen.... mike_c Oct 2013 #259