General Discussion

Motown_Johnny

(22,308 posts)

148. I don't think your experience is invalid

Sat Oct 12, 2013, 06:18 PM

Oct 2013

But 40K to me is out of reach. I make around half of that and I pay nearly that much every month for health care (If you include Aflac). The world I live in is Detroit's East Side.

$214 is more than I have to live on this paycheck. It isn't chump change to me, it is two weeks worth of food, gasoline and other essentials.

I am a working poor American. I cut my other costs so that I can afford healthcare. It is simply being responsible.

If your taxable income is over 40K a year then you can afford $2568 a year for health care. You may not want to afford it but you can. It is ~6% of that 40K. Sales tax in many places (including where I live) is 6%.

It is affordable and no amount of whining will change that.

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trying to figure out where I'm going to get the money for my obamacare [View all] datasuspect Oct 2013 OP

What do you pay now? B Calm Oct 2013 #1

negligible cost datasuspect Oct 2013 #2

lots of preventive care are no copay Motown_Johnny Oct 2013 #4

my aca options datasuspect Oct 2013 #9

Which still doesn't change the fact that preventative care jeff47 Oct 2013 #102

Preventative care is mostly stuff that is pretty useless FarCenter Oct 2013 #112

You apparently haven't seen much in the way of modern price sheets. jeff47 Oct 2013 #113

A well person wouldn't see a doctor 4 times, and hardly any of the tests apply. FarCenter Oct 2013 #115

Ah, to be young again jeff47 Oct 2013 #117

They will now....that's the point. We need wellness care...preventative medicine! VanillaRhapsody Oct 2013 #127

Preventative medicine only works if patients modify their behavior FarCenter Oct 2013 #131

going in for checkups so the doctor reminds them of that and offers treatment programs... VanillaRhapsody Oct 2013 #132

Other countries are less overweight because food costs more. FarCenter Oct 2013 #134

that is not why and you know it! VanillaRhapsody Oct 2013 #136

Fresh fruit and vegetables are cheaper in the US than Europe FarCenter Oct 2013 #138

Fresh fruits and vegetables in the united states...often do not come from the united states... VanillaRhapsody Oct 2013 #141

And the Europeans are bringing some in from Africa and the Middle East FarCenter Oct 2013 #142

Do you have proof of this contention? A link perhaps... VanillaRhapsody Oct 2013 #143

Even if you are right (which you aren't) Motown_Johnny Oct 2013 #146

preventitive care is no charge Duckhunter935 Oct 2013 #104

Do you understand the term "no copay"? Motown_Johnny Oct 2013 #124

Sounds like a great plan as long as you never get sick or injured. (nt) Nine Oct 2013 #5

it's not a plan datasuspect Oct 2013 #8

Of course, if you do get sick or injured, LWolf Oct 2013 #150

your taxable income is above $40K a year and you can't do 214 a month? Motown_Johnny Oct 2013 #3

+1 Nine Oct 2013 #6

Or the person is in poverty in a state that didn't expand medicaid HereSince1628 Oct 2013 #7

If that were the case, they'd be exempt from the mandate Orangepeel Oct 2013 #16

I'd like a link for that, please HereSince1628 Oct 2013 #20

Sure Orangepeel Oct 2013 #23

Thanks HereSince1628 Oct 2013 #32

Thanks will bookmark for LukeFL Oct 2013 #119

no, i won't tell my family to stfu datasuspect Oct 2013 #11

You must be on the higher end of that 39-60k... ScreamingMeemie Oct 2013 #13

i read as much as i could on the website to see if I was missing something datasuspect Oct 2013 #14

I would call, because something doesn't sound right. ScreamingMeemie Oct 2013 #17

i get what you're saying datasuspect Oct 2013 #19

It is for me. In the four years since I was dropped, ScreamingMeemie Oct 2013 #21

well most days datasuspect Oct 2013 #22

Is there an option with primary care and prescriptions w/o deductible? moriah Oct 2013 #38

Yes, it's called every plan in the exchanges. (nt) jeff47 Oct 2013 #105

Sadly no... several Bronze plans are deductible before anything except preventative care. moriah Oct 2013 #116

Primary care and preventative care are the same thing. jeff47 Oct 2013 #118

The SOB that was shown says 0% coinsurance to see primary care physician *after* deductible. moriah Oct 2013 #122

Because people are spewing crap about the plans. jeff47 Oct 2013 #123

If you get into a car accident, for example, 6,000 is nothing. robinlynne Oct 2013 #76

exactly. That could be $100,000+ of medical bills. ZRT2209 Oct 2013 #135

Not that it's great davekriss Oct 2013 #78

You would be getting physicals and screening tests for free. pnwmom Oct 2013 #88

Missouri and ACA won't help our family aroach Oct 2013 #36

Yes that's what is called the 'family glitch' part of the ACA which needs to be fixed but won't be PoliticAverse Oct 2013 #54

Can he only cover himself and then have you and the kids go on ACA? stevenleser Oct 2013 #62

Do your kid(s) have health insurance? Go to a pediatrician every year? snooper2 Oct 2013 #47

So the $214 a month is FAMILY coverage, or you only? n/t DebJ Oct 2013 #99

I call B.S.� regnaD kciN Oct 2013 #107

It could be parents Motown_Johnny Oct 2013 #126

nobody says it made you a millionaire Motown_Johnny Oct 2013 #125

private insurance companies want what you would save for retirement, datasuspect Skittles Oct 2013 #128

I am sure a ton of people have their funds already spoken for Mojorabbit Oct 2013 #24

The $214 monthly premium is doable. Yo_Mama Oct 2013 #37

my mom faced that choice when she was still working datasuspect Oct 2013 #43

It happens to a lot of people. Yo_Mama Oct 2013 #80

Post removed Post removed Oct 2013 #51

yours is a disgusting post jonsiee Oct 2013 #59

no it isn't, the OP is disgusting Motown_Johnny Oct 2013 #120

It's the deductible that's the killer. The 214 buys nothing until you pay $6,000 hooverville29 Oct 2013 #71

That is simply not true. Blue Idaho Oct 2013 #92

Wrong. Tons of routine and preventative care is paid for regardless of the deductible. (nt) jeff47 Oct 2013 #110

Post removed Post removed Oct 2013 #81

how about geography? TorchTheWitch Oct 2013 #144

214 is still a very small percentage of take home Motown_Johnny Oct 2013 #145

I HAVEN'T been insured for the past dozen years TorchTheWitch Oct 2013 #147

I don't think your experience is invalid Motown_Johnny Oct 2013 #148

I presently can only dream mine will be that low. mmonk Oct 2013 #10

if it was good insurance, that would be one thing datasuspect Oct 2013 #12

I currently pay over $880 a month with a $5450.00 deductable. mmonk Oct 2013 #25

well if you can pay that datasuspect Oct 2013 #26

You too. mmonk Oct 2013 #27

We have always had high "deductible" issues in our family, with "good" employer insurance. haele Oct 2013 #94

best wishes to you and your family, you are hard-pressed indeed nt steve2470 Oct 2013 #111

some can't abide the reality that alot of people don't have a spare dime at the end of the month. KG Oct 2013 #15

i've been getting up at 4 am for the past 7 or so years datasuspect Oct 2013 #18

Yeah, imagine that. SammyWinstonJack Oct 2013 #45

+1 historylovr Oct 2013 #83

Those numbers don't sound right. Sedona Oct 2013 #28

I've seen this question posed several times enlightenment Oct 2013 #79

Modified and adjusted? Talk about tax speak. BlueCheese Oct 2013 #129

Probably. enlightenment Oct 2013 #130

this is the insurance we used to have from my husband's previous employer. ejpoeta Oct 2013 #29

i'll pay anything to be responsible datasuspect Oct 2013 #30

at least they have to cover preventative care. they didn't pay out a dime ejpoeta Oct 2013 #31

Scam? displacedtexan Oct 2013 #39

What's the silver plan? Habibi Oct 2013 #33

A lot of us are in your shoes. Le Taz Hot Oct 2013 #34

+1 Puzzledtraveller Oct 2013 #35

I haven't had health care insurance for five yrs, since my husband stopped working and went on SSDI. SammyWinstonJack Oct 2013 #48

No, shut up and love it. Why do you hate America? Myrina Oct 2013 #40

I'm getting hosed too. Brigid Oct 2013 #41

I'm confused PasadenaTrudy Oct 2013 #42

You just need definitions of the words karynnj Oct 2013 #50

Deductible is what must be paid before coverage kicks in TheKentuckian Oct 2013 #52

Do you pay full price, out of pocket, for doctor visits if you are sick? Lex Oct 2013 #55

Usually, that's what a 'deductible' means hooverville29 Oct 2013 #73

But under ACA you don't. Lex Oct 2013 #75

Depends on the plan. jeff47 Oct 2013 #109

Depends on your benefit structure. Usually routine office visits are a separate copay but not always TheKentuckian Oct 2013 #121

Is the penalty affordable? JVS Oct 2013 #44

For years I managed to come up Skidmore Oct 2013 #46

Then take the $95 penalty the first year and let the market stabilize. PeaceNikki Oct 2013 #49

$95 or 1% of your income (whichever is greater) for an individual. n/t PoliticAverse Oct 2013 #87

This guy has a suggestion. You don't even need to be elderly. AnotherMcIntosh Oct 2013 #53

"We'll fix it later." Prism Oct 2013 #56

"How can we fix a problem people refuse to admit exists in the first place?" JVS Oct 2013 #66

6K for a deductible is not that high considering that... The Midway Rebel Oct 2013 #57

bankruptcy is cheaper than the deductible datasuspect Oct 2013 #58

It's high if you don't have the $6000 or a way to raise it. LWolf Oct 2013 #151

I'm confused... do you expect health insurance to be free? taught_me_patience Oct 2013 #60

No, just more expensive than bankruptcy, apparently. nt The Midway Rebel Oct 2013 #61

depends on what you mean by free datasuspect Oct 2013 #63

I'm not trying to badger you, really, I'm not. But-- Habibi Oct 2013 #67

it's a midpoint between the two extremes datasuspect Oct 2013 #69

Waaaaaaaaaaahhhhh!!!! Pretzel_Warrior Oct 2013 #64

bless your heart datasuspect Oct 2013 #65

What are YOU paying PW? B2G Oct 2013 #70

More likely his parents pay hooverville29 Oct 2013 #74

Is this going to be followed by another fake apology Union Scribe Oct 2013 #139

Nope. Pretzel_Warrior Oct 2013 #140

Suggestion: ProSense Oct 2013 #68

Can a DU explainer-n-chief explain deductibles in a new OP? ecstatic Oct 2013 #72

did we appoint one yet? datasuspect Oct 2013 #77

My *very* rudimentary knowledge: Lars39 Oct 2013 #82

As the Official Appointer, I Appoint Lars39... Phentex Oct 2013 #84

oh, gawd, no...I just jumped in there! lol Lars39 Oct 2013 #86

lol! nt ecstatic Oct 2013 #96

There are several things that likely need to be explained... PoliticAverse Oct 2013 #89

I made post #93 before I saw this. ieoeja Oct 2013 #95

Per your instructions: a new OP. ieoeja Oct 2013 #100

Great! Thanks! ! nt ecstatic Oct 2013 #137

I pay $320 a month for my family insurance. $7500 catastrophic deductible. eqfan592 Oct 2013 #85

Is that 6,000 your deductible or is it your yearly out of pocket maximum? pnwmom Oct 2013 #90

deductible datasuspect Oct 2013 #91

Can anyone explain what a medical deductible even is? ieoeja Oct 2013 #93

Wouldn't it be nice JSK Oct 2013 #97

What about the silver and gold plans? Rex Oct 2013 #98

i listed the datasuspect Oct 2013 #101

So none of the plans will work for you then? Rex Oct 2013 #103

not without some kind of subsidy datasuspect Oct 2013 #108

You're right. The Republican healthcare plan--don't get sick or die fast--is better. valerief Oct 2013 #106

I fail to see the difference. LWolf Oct 2013 #152

My mother had routine surgery for an infected gallbladder Generic Other Oct 2013 #114

What is your current insurance payment? eom melody Oct 2013 #133

You are not missing anything. LWolf Oct 2013 #149

Then pay the penalty and continue to have no insurance. You seem to think that is working fine now. bullimiami Oct 2013 #153

somethings not right! infiniti30 Oct 2013 #154

welcome to DU gopiscrap Oct 2013 #155

It's going to be an enormous and very affordable blessing for me. nt Zorra Oct 2013 #156

Yeah, welcome to du Flying Squirrel Oct 2013 #157

It's extremely affordable (screenshot enclosed) ScreamingMeemie Oct 2013 #158

Medical Deductibles are not like other Insurance Deductibles - haele Oct 2013 #159