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enlightenment

(8,830 posts)

169. "More like" doens't quite

Fri Oct 11, 2013, 04:25 PM

Oct 2013

describe it, pnwmom - it is a catastrophic plan, by definition.

These things are being marketed to people with low-incomes. Of COURSE it would be better if people would "go" for better plans and for people who are subsidized, I would assume it makes no sense not to do that if the subsidized rate between Bronze and Silver plan are the same. I can't honestly address that, because I don't know if they will be the same. My state exchange is so screwed up that it is impossible to get to a point where you can see premium costs after the subsidy is applied - all I can do is browse to see the full cost (which are, I just discovered, appallingly high compared to the federal exchange full premium costs).

If the premiums are not the same - if the difference is even as small as $20 dollars - then it is realistic to believe that people who are already stretched will choose the cheaper of the two.

The subsidy is great - really. All the reforms they have managed to put in place are great. But those things are not going to FIX the situation that so many people are in right now - and for many, it is going to make a difficult situation worse. We do ourselves a disservice to ignore the problems to the extent that I am seeing on DU, because they are real problems, with real people attached to them.

It astonishes me to see posts (and I'm not pointing at you) that will admit in one sentence that "of course it could be better" and chastise someone for posting their issues with it in the next sentence. If we admit that the system is imperfect, shouldn't we be able to talk about the problems without being called trolls or liars or worse?

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This message was self-deleted by its author [View all] lostincalifornia Oct 2013 OP

Well, clearly he's wealthy and just isn't managing his finances correctly. Dreamer Tatum Oct 2013 #1

Do you support the ACA? Cali_Democrat Oct 2013 #6

Not taking yours or anyone else's purity test. Dreamer Tatum Oct 2013 #12

Ahhh, whine much? nt Logical Oct 2013 #187

Not if it jacks premiums, right? grahamhgreen Oct 2013 #184

+1 1000words Oct 2013 #8

I'm going to SAVE $700/month, or more. NYC_SKP Oct 2013 #15

This message was self-deleted by its author lostincalifornia Oct 2013 #21

Sorry, but that doesn't help us at all..... daleanime Oct 2013 #42

With a family of four and not eligible for a subsidy, he's making over $94000 a year. N/T bornskeptic Oct 2013 #120

Correct. book_worm Oct 2013 #152

Isn't it relative? North Carolina Knigh Oct 2013 #206

$1200 a month is $14,400 per year alarimer Oct 2013 #214

It's a used car every year Boom Sound 416 Oct 2013 #235

One broken bone - especially if surgery and therapy are required dflprincess Oct 2013 #251

The OP is talking about a family of 4, not one person Hekate Oct 2013 #257

I believe the poster was being sarcastic 1000words Oct 2013 #80

He's making more than 90,000 a year. dawg Oct 2013 #114

Notice the OP won't come back and respond to this? MattBaggins Oct 2013 #200

Not true. Subsidies and participation in the exchanges are based on personal coverage... Barack_America Oct 2013 #245

Yes! cilla4progress Oct 2013 #266

Do you mean his insurance company increased rates? He should complain to them, not blame Obamacare. Mass Oct 2013 #2

This message was self-deleted by its author lostincalifornia Oct 2013 #28

It isn't the "same equivalent insurance." pnwmom Oct 2013 #33

"Unless he's been neglecting the medical care of his family..." ScreamingMeemie Oct 2013 #47

This guy has an income over 90K, according to another post. pnwmom Oct 2013 #55

Sorry, but you're acting rather condescending to people. ScreamingMeemie Oct 2013 #70

You don't think the word neglect applies to someone with an income over 90k pnwmom Oct 2013 #81

Unless you've walked a mile in their shoes, you have noooooooooo business ScreamingMeemie Oct 2013 #93

I don't want to be condescending, either, but frankly I am completely DebJ Oct 2013 #111

I cannot judge someone else, and I'm not sure of the truthfulness of this person's story, ScreamingMeemie Oct 2013 #116

I still don't know what you mean by this, and you've said pnwmom Oct 2013 #147

The negative: Remember when the early part of the ACA went into effect? Where insurance cos ScreamingMeemie Oct 2013 #150

ACA kicks in all the way on January 1st, 2014z Neoma Oct 2013 #259

Yes. I know this. ScreamingMeemie Oct 2013 #262

^^^THIS^^^ kestrel91316 Oct 2013 #118

You're the one whose comments have been harsh, IMO. pnwmom Oct 2013 #146

I've kept my opinions of your posts to myself until you took it way too far. ScreamingMeemie Oct 2013 #148

"Cruelty" "shameless." pnwmom Oct 2013 #149

Oh, boy, it's country music lyric time. nt valerief Oct 2013 #157

What??? ScreamingMeemie Oct 2013 #173

I knew I could make you scream! valerief Oct 2013 #176

Huh? ScreamingMeemie Oct 2013 #182

I've always had a problem with this kind of moral relativism. Chan790 Oct 2013 #238

Basic preventive care for kids doesn't come close to $1,200 a month Yo_Mama Oct 2013 #130

Not true. enlightenment Oct 2013 #83

The "friend" makes over 90K a year. Preventative care pnwmom Oct 2013 #88

Okay. enlightenment Oct 2013 #103

I agree with you that a bronze plan is more like a catastrophic plan pnwmom Oct 2013 #109

"More like" doens't quite enlightenment Oct 2013 #169

You've made a lot of good points. pnwmom Oct 2013 #199

I do agree. enlightenment Oct 2013 #211

But the loons would be coming to the Constitutional convention. pnwmom Oct 2013 #215

Good point. enlightenment Oct 2013 #225

Wait... these people you are talking about have had coverage. They've been able to get health care notadmblnd Oct 2013 #216

I'm not entirely certain what point you're trying to make enlightenment Oct 2013 #224

I was replying to what you wrote in post number 83. notadmblnd Oct 2013 #230

No, I am not arguing about how terrible it is enlightenment Oct 2013 #231

You're right. I have no idea what I'm talking about. notadmblnd Oct 2013 #240

Ah - thanks. enlightenment Oct 2013 #253

At $700 a month extra those mammograms and pap smears are not "free". former9thward Oct 2013 #131

True. They're included without extra charge and they're pnwmom Oct 2013 #145

If he's really in bad shape dennis4868 Oct 2013 #46

That sounds like different coverage MNBrewer Oct 2013 #60

Yes - that is what I'm curious about too! -- n/t mazzarro Oct 2013 #105

now you mention it's only "catastrophic' insurance. So his family already pays all medical costs? Sunlei Oct 2013 #78

That is a Horrific Increase for less Coverage FreakinDJ Oct 2013 #112

Well, then, he probably should KEEP his current coverage. That IS an option, I believe. davsand Oct 2013 #3

But that small fact RUINS the premise, doncha know! MADem Oct 2013 #22

This message was self-deleted by its author lostincalifornia Oct 2013 #31

I see. so he had relatively shitty coverage Pretzel_Warrior Oct 2013 #87

It's an option if the plan was grandfathered which can occur if the plan existed on March 23, 2010. PoliticAverse Oct 2013 #119

Can he? grahamhgreen Oct 2013 #185

Are a lot of these people who are running into this problem being dumped from their employer's ins? meadowlark5 Oct 2013 #4

I am keeping my previous insurance becuase the ACA costs more. no employer. Has nothing to do with robinlynne Oct 2013 #73

I wasn't jumping on anyone - simply asking why this is happening to some people meadowlark5 Oct 2013 #153

These "people" running into this are imaginary made up people MattBaggins Oct 2013 #204

nope. we are real. no law is perfect. robinlynne Oct 2013 #263

Shop for a different company rather than keep the same old same old. Agnosticsherbet Oct 2013 #5

This message was self-deleted by its author lostincalifornia Oct 2013 #32

The catastophic plan had some merits Turbineguy Oct 2013 #195

Oh....DO tell, please!!! MADem Oct 2013 #7

there is an oddity I noticed. Whisp Oct 2013 #18

Ain't that peculiar! MADem Oct 2013 #23

This message was self-deleted by its author lostincalifornia Oct 2013 #35

Your information doesn't stand up to facts that some people have taken time to find. bluestate10 Oct 2013 #242

What a mean spirited post. nt Mojorabbit Oct 2013 #65

THAT's what the NSA is really doing!!!! JoePhilly Oct 2013 #71

I wondered why the NSA was bothering to collect all DU posts! treestar Oct 2013 #201

WRONG. robinlynne Oct 2013 #74

Strange� Very peculiar� Couldn't be a coincidence? Champion Jack Oct 2013 #101

Curious, indeed. kestrel91316 Oct 2013 #123

A friend of mine is dating Morgan Fairchild! Yeah, that's the ticket! gater Oct 2013 #9

+1000 frazzled Oct 2013 #19

Reply to Frazzled grammiepammie Oct 2013 #58

Yeah, that's what it is....! LOL! MADem Oct 2013 #27

This message was self-deleted by its author lostincalifornia Oct 2013 #44

Your perogative pal! gater Oct 2013 #197

i wonder where they expect people to get this extra money. datasuspect Oct 2013 #10

Where I live, middle class people get more than 1/2 of income in various taxes Amonester Oct 2013 #256

If his premiums for a family of 4 were only $500 the policy must have been a high deductible. flamin lib Oct 2013 #11

This message was self-deleted by its author lostincalifornia Oct 2013 #51

Then it's not equivalent to the policy he's comparing it to, as you said pnwmom Oct 2013 #63

He needs to adjust his lifestyle and change his financial priorities if he is making kestrel91316 Oct 2013 #129

So essentially he had his family on a high deductible insurance plan that wouldn't cover them anyway rbixby Oct 2013 #161

you are right, as the OP says it is essentially a catastrophic mitchtv Oct 2013 #62

My Premiums are $527 a month for a family of unlimited size (mine happens to be 4) wercal Oct 2013 #77

I had my appendix out in August. The bill was $45,000. No complications. DevonRex Oct 2013 #226

Below is the text from a response I made to another poster wercal Oct 2013 #229

My friend makes $9 an hour... VanillaRhapsody Oct 2013 #13

that couldn't possibly happen! KG Oct 2013 #14

Yeah...a friend of a friend of my sisters best friend's aunt..... cbdo2007 Oct 2013 #16

A friend of mine will be paying 123411io3bn more, come on people. Stop asking others to take your... uponit7771 Oct 2013 #17

perhaps his employer will give him a raise= to the 'employer paid' part he lost. Send him to DU. Sunlei Oct 2013 #20

I expect to hear more stories like these. BKH70041 Oct 2013 #24

Hello North Carolina. I expect you DO expect to hear more such stories. DevonRex Oct 2013 #29

..and maybe even tell a few! nt Walk away Oct 2013 #121

right on DevonRex Oct 2013 #128

He was comparing apples and oranges, which people with these stories pnwmom Oct 2013 #41

OK, but that wasn't the point. BKH70041 Oct 2013 #61

That IS the point. If you're going to compare costs, then you pnwmom Oct 2013 #68

I expect you will be revealed to have an interesting agenda here nt geek tragedy Oct 2013 #50

You caught me. BKH70041 Oct 2013 #94

You have yet to say anything inconsistent with being a Republican nt geek tragedy Oct 2013 #102

I want Medicare for all. BKH70041 Oct 2013 #110

102 posts in, and you already know all the inside lingo like BOG and geek tragedy Oct 2013 #113

Inside Lingo? BKH70041 Oct 2013 #141

Yes, yes, Obamacare will be revealed as a job-killing travesty to be inflicted geek tragedy Oct 2013 #142

geek, many times it's the numbers, it's always with the numbers. Ikonoklast Oct 2013 #160

LOL Troll rbixby Oct 2013 #163

Obviously, you and your "friend" are inveterate liars. The little authoritarians are going Egalitarian Thug Oct 2013 #25

Whereas the knee-jerk Obamasuxers will lap up any unsubstantiated claim geek tragedy Oct 2013 #48

LOL! There's your problem right there. I don't think the President "sux", while you do think Egalitarian Thug Oct 2013 #143

Your own posting history says I'm telling the truth and you are not geek tragedy Oct 2013 #183

I didn't say I love him either, but that's not the point, now is it. Egalitarian Thug Oct 2013 #208

I don't love him. But, I also geek tragedy Oct 2013 #210

You can be quite funny, really. I don't even have any animosity toward you. Egalitarian Thug Oct 2013 #264

Before Obama Care my family of 10 was insured for 25� a day. Now DevonRex Oct 2013 #26

. mzmolly Oct 2013 #43

LOLOLOL! rusty fender Oct 2013 #49

This message was self-deleted by its author lostincalifornia Oct 2013 #59

Maybe that's one of the improvements or changes to the plan that can be made with legislation. Lint Head Oct 2013 #89

Crappy, useless, rip-off insurance can't be sold any longer. I think that's a GOOD thing and that kestrel91316 Oct 2013 #137

I call bullshit. he must make a crapload of money if he's paying Pretzel_Warrior Oct 2013 #202

25 cents a day? I thought Colonial Penn's burial insurance was 35 cents/day. n/t winter is coming Oct 2013 #115

This is from Save The Children!!! DevonRex Oct 2013 #133

Argh, I *hate* those commercials! n/t winter is coming Oct 2013 #136

So do I. nt DevonRex Oct 2013 #139

I signed up for Obamacare, and was forced to get an abortion! Ikonoklast Oct 2013 #165

And I just got called for Death Panel Duty same day as Jury Duty!!! SKINNER!!!!! nt DevonRex Oct 2013 #171

I heard the Death Panels get a better lunch voucher. Ikonoklast Oct 2013 #222

Um. It's Soylent pastrami Paulie Oct 2013 #244

And the well-seasoned, perfectly aged Seniors are the best sources of raw material Ikonoklast Oct 2013 #258

A twofer. Reduces costs in both Medicare and Medicaid Paulie Oct 2013 #260

Deficit reduction and spicy deliciousness, all rolled into one Ikonoklast Oct 2013 #261

You think that's bad? They killed my grandma!!!... stevenleser Oct 2013 #248

Omigosh!!! I bet it's the one at Ground Zero, too!! DevonRex Oct 2013 #250

I pay nothing and my mom pays $13. BluegrassStateBlues Oct 2013 #30

Bull- mzmolly Oct 2013 #34

More info please. brush Oct 2013 #36

In hindsight, it was a big mistake LittleBlue Oct 2013 #37

He makes over $94,000 a year and can't afford $1200 a month? subterranean Oct 2013 #38

I couldn't Roland99 Oct 2013 #107

Really? How HORRIBLE! xfundy Oct 2013 #39

This ^^^ mzmolly Oct 2013 #45

Bwahahahaha! valerief Oct 2013 #159

Well he'll just have to budget for that increase and suck it up! SammyWinstonJack Oct 2013 #40

I think you are lying. Schema Thing Oct 2013 #52

246 posts in 12 days Ineeda Oct 2013 #53

He's paying $500/mo for a family of four?!?! I call bullshit right there. n/t taught_me_patience Oct 2013 #54

ya. i just called that one out, too. as i said below, seeing how 5 yrs ago we were working on 1300 seabeyond Oct 2013 #69

Per my post #77, I pay $527 for a family of 4 wercal Oct 2013 #86

as i said, hubby ran a business and was always looking for this awesome insurance you speak of cause seabeyond Oct 2013 #96

Yes my company does pay part of it wercal Oct 2013 #124

leaving ot the part of your company paying part of it, giving you this awesome price is HUGE. seabeyond Oct 2013 #127

The company share is very small wercal Oct 2013 #164

Per my post #77, that's about what I pay wercal Oct 2013 #82

Is it employer sponsored? taught_me_patience Oct 2013 #104

Posts 124 and 164 explain what the company pays wercal Oct 2013 #167

I worked for Time Warner, a group with thousands of employees taught_me_patience Oct 2013 #249

Transparent. n/t factsarenotfair Oct 2013 #56

Jesus, that's rough CountAllVotes Oct 2013 #57

This message was self-deleted by its author lostincalifornia Oct 2013 #75

I'm going to try and be gentle here, but he is lying to you. Why? ScreamingMeemie Oct 2013 #90

This message was self-deleted by its author lostincalifornia Oct 2013 #122

He is lying lostincalifornia. Sorry you had to find out this way. ScreamingMeemie Oct 2013 #125

Makes me think of a co-worker of mine bhikkhu Oct 2013 #255

So, he has to be making more than $92,200 a year if he's not going to sinkingfeeling Oct 2013 #64

i dont know his insurance but 5 yrs ago, hubby working, me stay at home and two kids... all healthy seabeyond Oct 2013 #66

Turns out it wasn't awesome at all. It was just catastrophic pnwmom Oct 2013 #84

always a story behind the whine. nt seabeyond Oct 2013 #92

249 posts= BS or Rwinger wilt the stilt Oct 2013 #67

Indeed. I was paying $500/mo for a GROUP insurance catastrophic policy for ONE PERSON 7 years ago. kestrel91316 Oct 2013 #233

Is this because his current insurer is raising their premiums? mulsh Oct 2013 #72

I hate to say this, but a friend of mine went to healthcare.gov, and now he's in an Obama deathcamp. SolutionisSolidarity Oct 2013 #76

fucking shit d_b Oct 2013 #98

Your friend is "IN AN OBAMA DEATH CAMP"? Pathwalker Oct 2013 #126

Nice redqueen Oct 2013 #135

I TRIED to get into the Obama Death Camp and was put on a Waiting List!!11!!! NYC_SKP Oct 2013 #221

Look at the bright side. If your friend is dead, he won't have to pay those awful high premiums. patricia92243 Oct 2013 #140

I think this is about the 5th time I have seen this claim intaglio Oct 2013 #79

Probably came straight from a chain e-mail like most Obamacare disinfo. nt BluegrassStateBlues Oct 2013 #85

Here's a question for everyone that I don't really understand: Paolo123 Oct 2013 #91

if he gets cancer, preexisting and cant get coverage. today? with the new laws about pre existing? seabeyond Oct 2013 #99

There's an enrollment period... ScreamingMeemie Oct 2013 #108

Oh i didnt understand that there was an enrollment period Paolo123 Oct 2013 #212

And when the child breaks an arm and goes to the ER.... DebJ Oct 2013 #154

but if he has an emergency hospitalization, he's fucked bettyellen Oct 2013 #170

not really Paolo123 Oct 2013 #213

and bill you astronomical amounts for surgery and hospitalization bettyellen Oct 2013 #220

yes good point. nt Paolo123 Oct 2013 #246

A. Dear lord you've never had kids. Obviously. DevonRex Oct 2013 #189

What do you mean? I have three kids Paolo123 Oct 2013 #217

Right.Somebody's calling you to supper now. Better go wash up. DevonRex Oct 2013 #227

Incisive point. Paolo123 Oct 2013 #247

I think if he already has insurance that he will not need to enroll in ObamaCares. n/t patricia92243 Oct 2013 #95

The issue he is having (which a lot of us have found) is that these catastrophic ScreamingMeemie Oct 2013 #97

I am making $30K less than him and currently paying $1K a month for employer insurance and an HSA. haele Oct 2013 #100

Just curious, is he in a red state? Rex Oct 2013 #106

What do people say, "I hate to say it," and then say something? winter is coming Oct 2013 #117

Because they really dont hate to say it. bunnies Oct 2013 #134

+1. Similarly, when I hear a sentence begin with "frankly" or "honestly", I expect a lie. n/t winter is coming Oct 2013 #138

Interesting. I never thought of that. bunnies Oct 2013 #144

A post in the thread mentioned this guy has an income of $90,000 cui bono Oct 2013 #132

If you make $90K per year Aerows Oct 2013 #196

Well, you can all look forward to turning 65 RebelOne Oct 2013 #151

What's stopping him from just keeping his current insurance? rbixby Oct 2013 #155

DING DING DING!!! NT valerief Oct 2013 #162

im sorry but i don't believe that. it sounds like one of the crank repug statements. n/t. okieinpain Oct 2013 #156

Income tax fadedrose Oct 2013 #158

Sorry, I don't believe you matt819 Oct 2013 #166

Post removed Post removed Oct 2013 #168

Well hi there. The unaffordable care Act huh? It's a failure, huh? DevonRex Oct 2013 #174

Talk to Kentucky... in 5, 4, 3, 2, 1 Poof Ellipsis Oct 2013 #175

OMG! My eyes! cyberswede Oct 2013 #180

Turtles, all over the world, would like to have a word with you... Rex Oct 2013 #186

*Hangs head in shame* Ellipsis Oct 2013 #190

First post and a mispelling in the title and an ACA bash. Bwahahahaha! valerief Oct 2013 #179

They're just not that clever. arcane1 Oct 2013 #181

Tell him to keep his current insurance. Kaleva Oct 2013 #172

I hate to say it but I don't believe a word of this OP tenderfoot Oct 2013 #177

I hate to say this, Rex Oct 2013 #178

I think your friend is a fool if he opts to give up his cheaper, better insurance for ACA! TheDebbieDee Oct 2013 #188

He should shut down the government! nt Walk away Oct 2013 #191

Here is what we need or your story is bullshit stevenleser Oct 2013 #192

Yeah, I don't think so melody Oct 2013 #193

I believe it onlyadream Oct 2013 #203

Why are there no long-timers with friends who have this problem? melody Oct 2013 #223

Would you like a screen shot? onlyadream Oct 2013 #232

I'm not in denial at all melody Oct 2013 #234

With our current insurance we have to change onlyadream Oct 2013 #236

It's a tax writeoff melody Oct 2013 #237

I just went to our states exchange and... onlyadream Oct 2013 #194

This message was self-deleted by its author MattBaggins Oct 2013 #198

Sorry, no sale. Lex Oct 2013 #205

But people claim that they're supporting family or have some other excuse. NYC_SKP Oct 2013 #209

I once saw a guy in court claim he couldn't pay his child support Lex Oct 2013 #218

$1200 for a family of 4 is Platinum level insurance. Kablooie Oct 2013 #207

I live in a high income state that is on par with California. bluestate10 Oct 2013 #241

253 posts skip fox Oct 2013 #219

My thoughts too! B Calm Oct 2013 #228

Over 100% increase due to the ACA? Nope, he's being bamboozled if this is even true. BenzoDia Oct 2013 #239

That dirty SOB Obama!!!! Jeff In Milwaukee Oct 2013 #243

Yeah right. bravenak Oct 2013 #252

Does that premium equal 8% of his income? If so, Roselma Oct 2013 #254

I wish him the best. cilla4progress Oct 2013 #265