General Discussion

Flatulo

(5,005 posts)

261. OK, go to the Mass Health Connector site and input the following info

Sun Nov 17, 2013, 08:06 AM

Nov 2013

www.mahealthconnector.org

57 y/o couple, zip code 01519 with one 24 y/o dependent child, income of $87k and then browse the Gold plans. I get a range of $1600 to $2600 for the monthly premium.

To match the benefits of the plan we have through my wife's employee, for which we contribute $900 per month and her employer contributes $600, we'd need to select a top teir Gold plan at $2600 per month. I wonder why an ACA plan is $1100 more expensive than a $0 ded, $0 copay, no limit plan from her employer...?

With an $87k annual family income, after fed, state, property, excise and sales taxes net income is about $48K or $4k per month. Do you think the ACA plans are reasonably priced? I don't. This seems to be a trap for seniors who make just over the $78K cutoff point for subsidies.

I would rather die in the E/R than pay that much for health insurance.

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This flippant attitude toward those harmed by the ACA will cost us 2014. [View all] last1standing Nov 2013 OP

I guess it will just come down to how many uninsured people are able to get affordable insurance... LAGC Nov 2013 #1

No it won't PhilosopherKing Nov 2013 #2

Yes. Chilling should take care of everything. last1standing Nov 2013 #9

and those millions that have insurance for the first time ever scheming daemons Nov 2013 #21

Not only that, most affected are self-employeed. joshcryer Nov 2013 #30

The enforcedment provision of the ACA has been discussed many times and the fine is so small as to politicaljunkie41910 Nov 2013 #214

Fine/Tax: $95 (or 1% of income) for 2014 and $695 (or 2.5% whichever is greater) for 2016 solarhydrocan Nov 2013 #221

I am aware of that. The ACA allows freeloaders. joshcryer Nov 2013 #271

Where that has occured... Chan790 Nov 2013 #39

I know all lawyers make bazillions each year while feasting on the hearts of children... last1standing Nov 2013 #41

You clearly missed something in the last post so I'll be a bit more clear. Chan790 Nov 2013 #44

The only thing I missed in your post was empathy for others. last1standing Nov 2013 #46

... Chan790 Nov 2013 #51

Go to the Mass Health Connector and look at plans for a couple in their late fifties. Flatulo Nov 2013 #53

People in their late fifties should expect to spend more on treestar Nov 2013 #77

So then you're fine with a family spending 40% of Flatulo Nov 2013 #93

I don't know if your figures are truly correct treestar Nov 2013 #98

You don't know so instead of learning you make up bullshit numbers. last1standing Nov 2013 #105

My numbers are more likely to be true than yours treestar Nov 2013 #111

So you admit your post is bullshit but continue anyway. Nice. last1standing Nov 2013 #115

No I don't treestar Nov 2013 #116

Yes, you did. Try to at least read your own posts if you can't read mine. last1standing Nov 2013 #118

Accusing us of envy is a Rush Limbaugh thing treestar Nov 2013 #121

He admits to envy so there's a talking point for you. last1standing Nov 2013 #165

Finally some common sense. ChazII Nov 2013 #160

Your demographic assumptions are 100% wrong. We're 57 and have a 24 y/o son. He's living with us Flatulo Nov 2013 #131

that sounds pretty miserable treestar Nov 2013 #134

You'd love to have it, but since you don't, then screw me, right? That's what it sounds like to me. Flatulo Nov 2013 #138

Why do you call it screwing you? treestar Nov 2013 #139

Yes, I'm a complete idiot and haven't thought of any of your proposals, and I'm completely Flatulo Nov 2013 #143

I was feeling bad lately treestar Nov 2013 #161

If you can't see that the ACA has some seriously big cracks that hard-working middle class - Flatulo Nov 2013 #163

What to do about it? treestar Nov 2013 #164

What did you pay for insurance prior to ACA? davekriss Nov 2013 #197

Yes you are. You are part of a community Mojorabbit Nov 2013 #188

The ACA is corporate welfare. It isn't about helping people get insurance. duffyduff Nov 2013 #86

No, last1standing ignored your point that the lawyer makes a quarter million a year w4rma Nov 2013 #202

Doubt a choice would be necessary if wealthy Lifelong Dem Nov 2013 #3

With housing prices the way they are, christx30 Nov 2013 #16

Your selfish desire to raise your kids in a safe neighborhood is what's destroying the ACA. last1standing Nov 2013 #42

+1 christx30 Nov 2013 #169

Very true. last1standing Nov 2013 #212

utilitarianism. look it up. and no it won't hurt us. functioning_cog Nov 2013 #4

If you lost your cheap individual insurance plan, and have to buy one 56% more expensive... lumberjack_jeff Nov 2013 #5

3% of the population is roughly 3+ million people Riftaxe Nov 2013 #7

10 times as many people will have insurance for the first time scheming daemons Nov 2013 #15

I would love to believe that Riftaxe Nov 2013 #200

Yep. That's the flippant attitude I was writing about. last1standing Nov 2013 #8

again , 10 times as many people helped. at least. scheming daemons Nov 2013 #17

You don't seem to be able to grasp what this thread is about. last1standing Nov 2013 #35

60 year olds on the individual market geek tragedy Nov 2013 #61

And still don't have decent options. last1standing Nov 2013 #70

What is your proposal? What would YOU do geek tragedy Nov 2013 #73

I would stop spamming this thread with the same questions I've already answered. last1standing Nov 2013 #97

To spill right wing talking points that are BS Lifelong Dem Nov 2013 #99

Not B.S. Don't be lazy - do some homework and check out what insurance is going to cost Flatulo Nov 2013 #141

They make too much for a subsidy Lifelong Dem Nov 2013 #145

Ah, so you think families of four making $78,000 are fucking filthy rich? Gotcha. Flatulo Nov 2013 #147

47,000 people die every year because they can't afford insurance Lifelong Dem Nov 2013 #168

You really don't know what you're talking about unless you've looked at the real numbers. Flatulo Nov 2013 #170

Sounds like something I would see on Faux News Lifelong Dem Nov 2013 #172

Go to the Mass Health Connector website and look at Flatulo Nov 2013 #173

$700 - $1400 Lifelong Dem Nov 2013 #175

Not for a Gold plan like we have now. Try again. Flatulo Nov 2013 #178

That was the Gold plan without putting the age of dependent in Lifelong Dem Nov 2013 #181

Well thanks for verifying that I'm not crazy. Flatulo Nov 2013 #186

Compared to many families, a family of four with $78,000 in income is indeed very wealthy. PlanetaryOrbit Nov 2013 #177

Massachusetts is one of the most expensive places to live. Flatulo Nov 2013 #180

they are already paying questionseverything Nov 2013 #183

Approaching 50% of income for seniors. nt Flatulo Nov 2013 #199

$85K is the median income for a family of four in Massachusetts. Not wealthy, not even close. Flatulo Nov 2013 #263

This thread taught me that lots of people don't understand karadax Nov 2013 #266

I like what I've seen so far. Not cheap, but a lot better than rates I got before. Hoyt Nov 2013 #233

With state and national elections often being decided by less than a few percentage points, yes, Flatulo Nov 2013 #54

We shouldn't be handwringing about that which is unavoidable. lumberjack_jeff Nov 2013 #59

Why are we demanded to have empathy for people with a lot more money treestar Nov 2013 #79

"Far more winners than losers" LMFAO! For-profit health insurance means we're all losers Corruption Inc Nov 2013 #149

Not allowing insurance companies to rip people off is not being flippant. Live and Learn Nov 2013 #6

I agree. Media should focus instead on GOP cruelty in states refusing to expand Medicare. Overseas Nov 2013 #268

My attitude will really be flippant when they send dismantlers to Washington HijackedLabel Nov 2013 #10

I've been singing that song for a while Savannahmann Nov 2013 #11

All I can say is that this isn't MY Democratic party. last1standing Nov 2013 #12

and problems in ACA will be fixed too scheming daemons Nov 2013 #19

You should probably learn what the word means before trying to use it. last1standing Nov 2013 #33

You don't seem to care one ounce of shit geek tragedy Nov 2013 #62

You're the one arguing to let these people fall through the cracks. last1standing Nov 2013 #69

Other than passing the Upton bill, what geek tragedy Nov 2013 #72

The Upton bill is exactly what we don't need. last1standing Nov 2013 #94

I guess they pay the penalty. geek tragedy Nov 2013 #96

You didn't even address what I posted. last1standing Nov 2013 #100

Passing increased subsidies is wishful thinking at this point. geek tragedy Nov 2013 #104

So we let these people suffer needlessly because you call it "wishful thinking." last1standing Nov 2013 #107

Direct your demands at John Boehner then, nt geek tragedy Nov 2013 #108

Absolutely. Some are still clueless the party has been taken over by neoliberals duffyduff Nov 2013 #87

It's another hyped bunch of crap and everyone knows it. Spitfire of ATJ Nov 2013 #13

10 times as many people will have insurance for first time scheming daemons Nov 2013 #14

Well reasonably speaking Savannahmann Nov 2013 #24

State and national elections are routinely being decided by much tighter margins than that. nt Flatulo Nov 2013 #55

I've been trying to sound the alarm for this Le Taz Hot Nov 2013 #18

what plan do you have now? scheming daemons Nov 2013 #20

None. Le Taz Hot Nov 2013 #23

so how does your situation worsen for 2014? scheming daemons Nov 2013 #25

Are you seriously trying to tell me Le Taz Hot Nov 2013 #27

Do absolutely nothing will have you in same boat as 2013 scheming daemons Nov 2013 #31

This is exactly what the OP is about. kiva Nov 2013 #64

If the party walks away from you christx30 Nov 2013 #174

and i am not telling you what your situation is scheming daemons Nov 2013 #32

Why don't you want to pay your last pennies for insurance that doesn't let you see the doctor? last1standing Nov 2013 #38

Pay the 95$ a year already- it's only fair if you ever expect emergency care without paying bettyellen Nov 2013 #75

Because, sunshine, Le Taz Hot Nov 2013 #127

if you truly need to see a doctor, just go. you're lucky that if you get tested and need insurance bettyellen Nov 2013 #226

1-5 to leave this post. nt msanthrope Nov 2013 #167

also... you can get a catastrophic plan for much less than $390/mo scheming daemons Nov 2013 #26

Buh bye. Le Taz Hot Nov 2013 #28

Your suffering doesn't matter with the New Democrat Party's "Majority Outreach" program. last1standing Nov 2013 #34

Thanks for an excellent post. I feel the same way you do. I just can't believe the contortions Flatulo Nov 2013 #22

It is glee, isn't it? last1standing Nov 2013 #40

The hatred here is palpable. I'm actually in awe of the sheer loathing on display here every day. Flatulo Nov 2013 #52

Half the people doing the "loathing" are at least reasonably well off Fumesucker Nov 2013 #56

it's obvious many of the Cadre have no idea what being poor really means. KG Nov 2013 #215

I agree with you newfie11 Nov 2013 #48

Well said! nt Mojorabbit Nov 2013 #189

+100 for your common sense ChazII Nov 2013 #216

Those flippant about those harmed by single payer... joshcryer Nov 2013 #29

Stop spouting garbage eridani Nov 2013 #45

Do you also worry about people being flippant towards the 1%? Democat Nov 2013 #36

Did you bother to read past the title of the OP? I'm guessing not based on your post. last1standing Nov 2013 #37

define 'better' quadrature Nov 2013 #47

Yes, the 1% has lots to complain about treestar Nov 2013 #84

It's 100% of people still buying for-profit insurance, not 3% Corruption Inc Nov 2013 #150

k/r well said solarhydrocan Nov 2013 #43

Exactly what I've been thinking newfie11 Nov 2013 #50

You are a hypocrite. Drunken Irishman Nov 2013 #49

This is an over the top rude post. You are the one with the ugly tone in this post. Mojorabbit Nov 2013 #190

Cry me a river. Drunken Irishman Nov 2013 #192

They count but so do the ones who are being surprised by rates they will have trouble Mojorabbit Nov 2013 #198

And you lack the ability to act like a human being. last1standing Nov 2013 #209

AFAICT... sendero Nov 2013 #57

Have a friend who has flipped to the dark side over this elfin Nov 2013 #58

she is an asshole, wasn't voting Dem anyway. No great loss there. bettyellen Nov 2013 #65

Dishonest post. It is not 55-62 year olds who geek tragedy Nov 2013 #60

Dishonest is not acknowledging that some people won't be able to afford this plan as it stands. last1standing Nov 2013 #67

No, I 'm saying that the loss of overpriced geek tragedy Nov 2013 #71

Then you're ignoring the point of the thread to spew propaganda. last1standing Nov 2013 #78

So you do support the Upton bill? nt geek tragedy Nov 2013 #91

How many times are you going to spam this thread with that false statement? last1standing Nov 2013 #95

Agree, I know a 63 year old who is going to get a MUCH better deal because of the ACA Rstrstx Nov 2013 #102

'14 will be liberals' and progressives' fault, no matter what if we lose n/t TransitJohn Nov 2013 #63

Exactly right. We're the unfortunate Cassandra's in this tragedy. last1standing Nov 2013 #76

So what you're saying is that the vast majority of people who will benefit from ChisolmTrailDem Nov 2013 #66

Yeah, because Dems have been winning election with such staggering, stupendous margins that Flatulo Nov 2013 #151

You've missed some vital blocs Prism Nov 2013 #68

+1 leftstreet Nov 2013 #82

Agreed. I've argued those points since this plan was proposed. last1standing Nov 2013 #85

And we knew that response was coming Prism Nov 2013 #109

Au contraire, mon ami. If we lose in 20014 and/or 2016, QC Nov 2013 #136

Who is harmed by it? treestar Nov 2013 #74

Well, if you say so then I certainly can't argue with that. last1standing Nov 2013 #80

I would expect them to be Republicans in any event treestar Nov 2013 #83

One thing for sure, if they weren't republicans before, attitudes like yours will fix that. last1standing Nov 2013 #88

No, I don't think people with those attitudes were ever Democrats treestar Nov 2013 #101

I'm asking for empathy for them, not sympathy. Maybe you should learn the difference. last1standing Nov 2013 #103

Huh? Really? treestar Nov 2013 #114

Yes, and soon, too. Flatulo Nov 2013 #146

and those living from paycheck to paycheck Niceguy1 Nov 2013 #217

No one ProSense Nov 2013 #81

They have to come up with a hardship clause fadedrose Nov 2013 #89

Exactly. We need a hardship clause and due process review. last1standing Nov 2013 #112

There is one. I think people should become familiar with the law. n/t ProSense Nov 2013 #122

Since you've stated there is a hardship clause and due process review, please post the statute. last1standing Nov 2013 #123

I mean a new clause fadedrose Nov 2013 #137

There are hardship exemptions ProSense Nov 2013 #119

That doesn't cover those who are just making ends meet till the law forces them to default. last1standing Nov 2013 #125

What are you talking about? ProSense Nov 2013 #184

Those exemptions are so that the individual does not get fined if not insured. Lars39 Nov 2013 #128

Can they afford insurance now? ProSense Nov 2013 #185

Refusal to see that there are people who have fallen thru the cracks *will not fix the problems.* Lars39 Nov 2013 #187

Neither ProSense Nov 2013 #191

Who said these people don't want to buy decent insurance? Lars39 Nov 2013 #194

so is that the plan for us 50-65 yr olds? questionseverything Nov 2013 #182

It's $95 (or 1% of income) for 2014 and $695 (or 2.5% whichever is greater) for 2016 solarhydrocan Nov 2013 #193

Sounds suspiciously like the republican plan, doesn't it? last1standing Nov 2013 #210

I agree, you should be allowed to go back to the prior arrangement. Warren Stupidity Nov 2013 #223

You're right, and several on here are demonstrating it. BKH70041 Nov 2013 #90

The Republicans will be responsible for nearly all such cases. gulliver Nov 2013 #92

You are right Rstrstx Nov 2013 #120

More like "frightened that someone else might actually get something" TBF Nov 2013 #106

What a load of smug bullshit you've posted. last1standing Nov 2013 #110

48 million uninsured in this country & you are only thinking of yourself. TBF Nov 2013 #113

LOL! You purposely ignore the fact that a minority of middle aged people will get fucked by ACA... last1standing Nov 2013 #117

I don't care what YOUR personal situation is - TBF Nov 2013 #124

No, you only care about YOUR agenda. Who needs empathy, when you have an agenda? last1standing Nov 2013 #130

48 million uninsured - 48 MILLION TBF Nov 2013 #154

So I should have empathy for people who have no empathy for others? dogman Nov 2013 #126

Yes, you should. But there's no proof that they don't have empathy for others. last1standing Nov 2013 #133

Life dogman Nov 2013 #148

As I point out in the OP, not everyone has a little extra to pay. last1standing Nov 2013 #155

$95 fine dogman Nov 2013 #157

Sorry, I thought you had a serious point to make instead of trying to push an agenda. last1standing Nov 2013 #159

Some agenda dogman Nov 2013 #162

So your complaint is that you can't afford $95 to not be insured? Warren Stupidity Nov 2013 #224

Warren, this has been a very long and convoluted thread, but the gist is that middle class seniors Flatulo Nov 2013 #236

If you're in Mass, aren't you actually complaining about Romney care? ucrdem Nov 2013 #239

We're in the seventh year of Romneycare, and for the first three or four years, we saw double-digit Flatulo Nov 2013 #243

So you've been bearing this terrible burden for 7 years? ucrdem Nov 2013 #245

No. We get our insurance from my wife's employer. They contribute $600, she $900. Flatulo Nov 2013 #247

It will go county by county Yo_Mama Nov 2013 #129

People harping about thier non-problems from ACA are the problem Taitertots Nov 2013 #132

Have you looked at actual numbers for middle class 55+ folks who make just enough to not Flatulo Nov 2013 #166

I don't think the ACA issues will hurt Democrats in 2014 AndyA Nov 2013 #135

I am not denying it could have been avoided DonCoquixote Nov 2013 #140

Yes, many who are complaining are merely plants. But some have real problems. last1standing Nov 2013 #158

I agree about the fix DonCoquixote Nov 2013 #228

Yeah, it does appear the Clintons are sell Obama down the river. last1standing Nov 2013 #254

stick your head in the clouds, last1standing! Skittles Nov 2013 #142

People don't care how bad their plans were. Cannikin Nov 2013 #144

That "group of citizens afraid that Reagan was right" ucrdem Nov 2013 #152

Harmed? It's not even out yet! Warpy Nov 2013 #153

If you think that the ACA results in overpriced plans for seniors now, wait until the real costs Flatulo Nov 2013 #156

I agree but have given up saying anything about it here on DU. The ACA is the only sacred cow on DU liberal_at_heart Nov 2013 #171

WTF?? No one at all is saying it is perfect. Obama has tweaked it twice now by executive order. RBInMaine Nov 2013 #179

to fix anything first we have questionseverything Nov 2013 #270

I don't think many are being "flippant". Here is something you must remember: RBInMaine Nov 2013 #176

Extending the junk plans is not a good idea. last1standing Nov 2013 #208

This is another area that may need to be tweaked, but in the short term I do think the extension was RBInMaine Nov 2013 #237

The problem is there's not a great deal that can be done without congress. last1standing Nov 2013 #250

He by no means "lied" but also should have been clearer with regard to the individual plans. Also, I RBInMaine Nov 2013 #260

There won't be any long view to take if it's still not working in a year Doctor_J Nov 2013 #269

I don't see a flippant attitude. What I DO see if a bunch of lies. Th1onein Nov 2013 #195

Please see post #181. This person didn't believe the numbers until I sent him/her to the Mass Flatulo Nov 2013 #205

Sorry, I can't see that post. I'm ignoring that person. Th1onein Nov 2013 #255

OK, go to the Mass Health Connector site and input the following info Flatulo Nov 2013 #261

says who? spanone Nov 2013 #196

Hide your head in the sand and see what that gets you. last1standing Nov 2013 #213

Bwahahahahahahah.... 99Forever Nov 2013 #201

Nice response. The OP is right - middle-class seniors who make just over the threshold for Flatulo Nov 2013 #204

Oh please... 99Forever Nov 2013 #206

Then check the numbers like others have done. You're all talk and everyone can see your bullshit. Flatulo Nov 2013 #229

Your claims, you provide verifiable documentation. 99Forever Nov 2013 #231

You have to go to the Mass Health Connector website yourself and input the data. Use a 57 y/o Flatulo Nov 2013 #232

What tittilates you would make a real Democrat sick. last1standing Nov 2013 #211

"Real Democrat"??? 99Forever Nov 2013 #220

You won't get anywhere with that one. He's a major asshole and blowhard around here. Flatulo Nov 2013 #230

You're right, I AM a major asshole... 99Forever Nov 2013 #234

So how are you doing on verifying that what I posted is true? Other posters have gone and Flatulo Nov 2013 #235

Romneycare was up before ACA so ACA isn't really the problem, is it? ucrdem Nov 2013 #242

Romneycare has been essentially repealed, and what we have is now 100% ACA compliant. Flatulo Nov 2013 #244

Which you'd have with or without ACA. So ACA isn't the problem, is it? ucrdem Nov 2013 #246

This coverage crack will be hitting all 50 states, not just Massachusetts. The point of the OP is Flatulo Nov 2013 #248

Okay, but where's the hue and cry from these alleged MA seniors? ucrdem Nov 2013 #249

I would like to be able to buy an ACA plan that is as good as my wife's coverage (which is an HMO), Flatulo Nov 2013 #251

looks like we`ll lose the house again and the senate madrchsod Nov 2013 #203

We will if DU is any measure of the Democratic response. last1standing Nov 2013 #207

People currently in medically-underwritten plans will pay much more, will not get better coverage Dems to Win Nov 2013 #218

So how do you think it should work? Back to the system where everyone with a Warren Stupidity Nov 2013 #225

I prefer Single Payer, Medicare for All. Or at least a public option. Dems to Win Nov 2013 #227

The ACA *does* price out people with pre-existing conditions. They're called 'seniors'. Flatulo Nov 2013 #240

Romney care has been in effect for several years, right? So you've already crossed this bridge. ucrdem Nov 2013 #241

one salary really does not cover a family of three these days. hasn't for a while. bettyellen Nov 2013 #267

OP Hyperbole. Coyotl Nov 2013 #219

I am a member MelissainKC Nov 2013 #222

Congrats on having hundreds of dollars extra in monthly income to spend. last1standing Nov 2013 #252

May I inquire what you are paying for a family plan? And what percentage of your after-tax income Flatulo Nov 2013 #253

most of the fan club is more worried about protecting the president than Doctor_J Nov 2013 #238

No, ProSense Nov 2013 #258

Huge K&R! Besides the small devoted hard core fan club, who think the ACA is quinnox Nov 2013 #256

"it is a good sign to see Democrats like Bill Clinton sounding the wake-up call" ProSense Nov 2013 #257

the midterm elections are ONE YEAR AWAY! napkinz Nov 2013 #259

My two cents about "shitty" coverage. meaculpa2011 Nov 2013 #262

This message was self-deleted by its author 99Forever Nov 2013 #264

I'm old so refresh... meaculpa2011 Nov 2013 #265