General Discussion

boston bean

(36,931 posts)

51. Really? How do you know this?

Sun Oct 27, 2013, 05:38 PM

Oct 2013

The way these plans are structured as high deductible plans ie, a family policy deductible + premiums can be over 17K with no subsidy.

These are costs people are taking into consideration. This 17K comes out after taxes as part of their net income.

I think people must be living in a world I don't recognize if they just think this is all hunky dory.

Get fucking insurance companies off our god damned backs. Healthcare is a right, not based on what you can afford. People will be paying more for healthcare they cannot afford to access and this is where the whole thing begins to breakdown. I really think if those who think this will lead to single payer believe it, they ought to be acknowledging these deficiencies.

I am glad more people will be covered, but to berate people who tell you it's not working for them, as I see happening in this thread is way more divisive than it would be to work on these problems and make it better for ALL!

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my monthly health care premium goes up 60% January first after ACA implementation [View all] msongs Oct 2013 OP

This is pretty meaningless without a benefit comparison. pnwmom Oct 2013 #1

Percentage isn't very meaningful in real dollars HereSince1628 Oct 2013 #33

Yes -- for women that makes a significant difference. pnwmom Oct 2013 #34

I don't believe this posting dem in texas Oct 2013 #2

MSongs is a legitimate poster. I can believe that the rate is going up, but I want to see bluestate10 Oct 2013 #8

LOL tabasco Oct 2013 #118

He kinda explains it here Packerowner740 Oct 2013 #11

It's typical these days LWolf Oct 2013 #29

pre-determined point of views! Whisp Oct 2013 #40

I've been complaining LWolf Oct 2013 #112

But none of the plans with Essential benefits or the other features pnwmom Oct 2013 #139

Apples and Oranges... LWolf Oct 2013 #141

That may be true. I think what Obama meant was something like pnwmom Oct 2013 #150

That's probably it. LWolf Oct 2013 #154

I agree with you. This is just a step -- but it's a real step. pnwmom Oct 2013 #155

This message was self-deleted by its author lostincalifornia Oct 2013 #54

That's because it's INSURANCE and 55-64 is the HIGHEST cost (in healthcare years) SoCalDem Oct 2013 #160

This message was self-deleted by its author lostincalifornia Oct 2013 #163

how/why would Kaiser know about subsidies? magical thyme Oct 2013 #3

The Kaiser Foundation calculator that the ACA refers you to for estimates on doc03 Oct 2013 #21

Why doesn't the OPer simply go on the exchange to apply for the subsidy? BlueStreak Oct 2013 #59

Mine is going up too, but the coverage is sooo much better and bettyellen Oct 2013 #4

The good thing about that is treestar Oct 2013 #28

exactly, my friend got royally screwed while going for infertility treatments.... bettyellen Oct 2013 #35

That's the best part of it for me... penultimate Oct 2013 #110

This message was self-deleted by its author lostincalifornia Oct 2013 #57

Exactly.. Before, people were paying for a Cadillac, but getting an Edsel SoCalDem Oct 2013 #156

my friend is still on the phone and writing letters a year after giving up trying to have bettyellen Oct 2013 #159

Well, next week you can check it out. rgbecker Oct 2013 #5

as I said, time will tell. I do not believe employees at Kaiser are lying to me btw nt msongs Oct 2013 #7

"Time will tell". Will you come back & tell us if you're mistaken? Tarheel_Dem Oct 2013 #6

old price divided by new price = 60% increase. As Bill C said, i'ts arithmetic :-) nt msongs Oct 2013 #9

Quite frankly, I don't care that your premium goes up or NOT. Millions of unininsured.... Tarheel_Dem Oct 2013 #13

two responses to that.... Mona Oct 2013 #15

Some people do not care about 'people' at all and many of us have decided it is sabrina 1 Oct 2013 #36

I believe you are wealthy enough to have a increase but. Notafraidtoo Oct 2013 #41

!!! Tarheel_Dem Oct 2013 #147

North Carolina still has not expanded Medicaid, so many in NC are suffering while Bluenorthwest Oct 2013 #20

Sad response. nt. goldent Oct 2013 #89

spectacularly rude and unhelpful-- this is what makes DU suck.... mike_c Oct 2013 #108

In some places, my frankness can be perceived as "spectacularly rude and unhelpful", but honest.... Tarheel_Dem Oct 2013 #151

Well. That was insensitive and uncalled for. GreenPartyVoter Oct 2013 #127

A response worthy of FreekRepublic LondonReign2 Oct 2013 #148

I'm sure you know exactly what goes on at "FreekRepublic". Tarheel_Dem Oct 2013 #149

No really it isn't that simple. Warren Stupidity Oct 2013 #25

but if one is forced into a new plan that's "better," but costs significantly more... mike_c Oct 2013 #109

Many employers offer a choice of shitty plans. Warren Stupidity Oct 2013 #130

Old price divided by new price? Owl Oct 2013 #93

Just for the record, that is not how you calculate a percentage increase. cbayer Oct 2013 #120

That thought crossed my mind, as well... n/t Ms. Toad Oct 2013 #143

You and bill are incorrect. Soundman Oct 2013 #153

well, you either are, or you aren't, getting a subsidy. Post your income level and age... Schema Thing Oct 2013 #10

not the first post I have seen regarding "sticker shock" of the ACA quinnox Oct 2013 #12

A lot of people are seeing large increases if they don't qualify for subsidies Yo_Mama Oct 2013 #17

You don't usually need to pay the deductible all at once. pnwmom Oct 2013 #46

And remember that the deductible is PER CALENDAR YEAR! If you get an illness that spans SharonAnn Oct 2013 #74

I understand how deductibles work. I also understand pnwmom Oct 2013 #76

We are discussing people who are not eligible and aren't filthy rich. boston bean Oct 2013 #85

(self-delete) pnwmom Oct 2013 #90

I'm in a thread about a duer, and none of that info you state was stated by him/her. boston bean Oct 2013 #94

You're right. I'm in two threads about the ACA now and pnwmom Oct 2013 #97

You haven't read anything that I've stated. boston bean Oct 2013 #98

Knew about subsidies for premiums, but link please for info re these credits for deduct & OOP? nt DeschutesRiver Oct 2013 #157

Here is a link to info about the tax credits -- from the IRS pnwmom Oct 2013 #161

This is the subsidy for premiums; cover oregon plans also have an annual deductible & out of DeschutesRiver Oct 2013 #162

Well, it is a 70/30 actuarial split, and yes you have to pay the deductible before insurance pays Yo_Mama Oct 2013 #135

I understand you have to pay the deductible first. But the way it works pnwmom Oct 2013 #137

I only qualify for subsidies, am not what you would consider low income, and the deductible ScreamingMeemie Oct 2013 #103

It seems to me that policies vary hugely around the country Yo_Mama Oct 2013 #132

And there are also a lot of people who are spreading untrue stories pnwmom Oct 2013 #138

Reallly?? Ms. Toad Oct 2013 #144

Squeaky wheels. The vast majority will be HELPED by it. kestrel91316 Oct 2013 #37

I'm afraid of it. Reality is going to catch up with people real soon in the next couple of months. Purveyor Oct 2013 #86

They will in some places Yo_Mama Oct 2013 #136

or not SoCalDem Oct 2013 #158

mine is going up too... Mona Oct 2013 #14

There are some types of preventative care that are not pnwmom Oct 2013 #101

colonoscopies are money makers for the hospitals madrchsod Oct 2013 #125

What about your tax credit under the ACA? n/t doc03 Oct 2013 #16

OP was told probably no subsidy. n/t Yo_Mama Oct 2013 #18

I thought everyone was eligible for a tax credit based on income? n/t doc03 Oct 2013 #19

No, about 1/3rd of current private policy holders are not. Yo_Mama Oct 2013 #24

Why because their income is too high? n/t doc03 Oct 2013 #26

Subsidies are available to those who make up to 4X the federal poverty level. kestrel91316 Oct 2013 #39

Heartless BKLawyer Oct 2013 #62

Isn't it less than 46k? Most the calculators I've used seem to lose the subsidies at around 32k/yr. penultimate Oct 2013 #114

Poverty Figures BKLawyer Oct 2013 #116

Totally depends on where the person lives... penultimate Oct 2013 #117

Well, of course. BKLawyer Oct 2013 #123

Oh yeah, $350/mo would make a huge dent.. penultimate Oct 2013 #124

But your calculations are based on pretending that that person pnwmom Oct 2013 #126

Managing Money BKLawyer Oct 2013 #128

One of the three people I know who went bankrupt pnwmom Oct 2013 #129

actually in many cases, 24 states, that actually isn't true dsc Oct 2013 #92

They can get a subsidy. Yo_Mama Oct 2013 #133

do you have a link for that dsc Oct 2013 #140

Maybe not Medicaid but they can get the subsidy on the exchange, according to the code section Yo_Mama Oct 2013 #146

We're only talking like $16/hr where you no longer qualify for anything... penultimate Oct 2013 #113

There are two subsidies available in ACA Yo_Mama Oct 2013 #43

on the other hand, my premium will probably go down by 33% steve2470 Oct 2013 #22

why do people attack someone posting facts about an increase? zazen Oct 2013 #23

Because the op has not presented all the facts. Nt. Warren Stupidity Oct 2013 #27

because they keep saying the policies are the same. and that is impossible. bettyellen Oct 2013 #47

They may mean out of pocket, and deductibles are the same and the premium is higher. boston bean Oct 2013 #48

Exactly BKLawyer Oct 2013 #115

"What use is a policy if the deducible is $6000 per year and the family is of modest means..." solarhydrocan Oct 2013 #131

If it is covering more, than it could be worth it treestar Oct 2013 #30

If you are getting the subsidy, sure Yo_Mama Oct 2013 #44

Yup, and even if everyone who needs subsidies got them (which they don't), woo me with science Oct 2013 #49

If you are not getting the subsidy you can afford it treestar Oct 2013 #50

Really? How do you know this? boston bean Oct 2013 #51

It is the way it is set up treestar Oct 2013 #55

Many will be paying more, in premiums and the same amount in deductibles and oop expenses. boston bean Oct 2013 #60

No, they will get better coverage than they had before treestar Oct 2013 #64

Yeah tell that to the family of four who make 46K and their lousy boston bean Oct 2013 #67

if you endup paying all the deductables? jbond56 Oct 2013 #122

My, isn't that comfortable. woo me with science Oct 2013 #52

WTF? treestar Oct 2013 #56

Utter denial of and contempt for what people are experiencing and reporting. woo me with science Oct 2013 #66

You're Right BKLawyer Oct 2013 #75

Yes, for some of these folks it's awful Yo_Mama Oct 2013 #134

Lets not forget jamzrockz Oct 2013 #152

Subsidize PEOPLE not INSURANCE COMPANIES! leftstreet Oct 2013 #58

Then they will still pay for health care eventually treestar Oct 2013 #61

+100000000 woo me with science Oct 2013 #63

Wrong ProSense Oct 2013 #70

ummm, 80% of a cost they set? Laughable. boston bean Oct 2013 #71

Oh please, ProSense Oct 2013 #77

rate review by who? boston bean Oct 2013 #81

Health insurance rate hikes in nine states deemed excessive by HHS ProSense Oct 2013 #87

I'm looking forward to a 9.9999999% increase year over year. boston bean Oct 2013 #100

There were a couple of states ProSense Oct 2013 #104

According to your prior post it is a review when costs increase over 10% per year. boston bean Oct 2013 #106

HHS is already granting waivers to some states leftstreet Oct 2013 #78

Nonsense. n/t ProSense Oct 2013 #80

(LOL you didn't know that?) n/t leftstreet Oct 2013 #82

The MLR went into effect in 2012 ProSense Oct 2013 #91

Hello, IA, GA? 17 have submitted. Look for more leftstreet Oct 2013 #95

These were temporary, and do not apply to 2014 ProSense Oct 2013 #99

Wrong leftstreet Oct 2013 #102

No, not wrong. The waivers were temporary. n/t ProSense Oct 2013 #105

We've known all along that there would be collateral damage madville Oct 2013 #31

Some information about this: The Straight Story Oct 2013 #32

but of course it would. Whisp Oct 2013 #38

Before kentuckys exchange. Notafraidtoo Oct 2013 #42

Are your overall costs less expensive, ie deductibles, 80/20? boston bean Oct 2013 #45

remember, if Kaiser doesn't spend 80% of premiums on patient care - you get it back ZRT2209 Oct 2013 #53

Yes, this is the key goldent Oct 2013 #88

So you paid good money for shitty insurance before. And Kaiser raised your rates. DevonRex Oct 2013 #65

Assuming you're comparing apples to apples,cases like yours will be the REAL impetus to single payer steve2470 Oct 2013 #68

But the woman in the article is NOT comparing apples to apples. pnwmom Oct 2013 #79

yes, that's why I was careful to hedge my post, people are getting much better coverage now nt steve2470 Oct 2013 #83

Is your policy new and not grandfathered? mmonk Oct 2013 #69

Mine's going up 100% Uben Oct 2013 #72

That's without going on the exchange. It will be interesting to see pnwmom Oct 2013 #84

If you are in a medically-underwritten policy now, your rates will go up Dems to Win Oct 2013 #73

However in Calif. there are currently some 7.1 million uninsured. truedelphi Oct 2013 #111

Edgar Kaiser's Permanente thing... Agony Oct 2013 #96

Misleading headline on your post Pretzel_Warrior Oct 2013 #107

Helpful Modified Adjusted Gross Income (MAGI) chart Imalittleteapot Oct 2013 #119

Shop around then TroglodyteScholar Oct 2013 #121

Kaiser, at least outside of California, is circling the drain. Ms. Toad Oct 2013 #142

But it is what KAISER has CHOSEN to do for its profits, not what the ACA law says must happen. WinkyDink Oct 2013 #145