Doctors: New Health Care Plans Raise Red Flags

[TrollBuster9090]

60. "My status now is uninsured."

Okay, you've proved me wrong in the sense that there ARE plans that have a $6500 deductible. (Similar to the junk plans that existed before Obamacare, and which are now being phased out because they charge people $150 bucks a month, but don't actually PAY for your hospital stay should you get sick. Good riddance to bad trash. These high deductible/low premium Catastrophic plans at least cover you if you DO get sick.)

So, I was wrong about the maximum deductibles, but I'm still confused about why you're whining about Obamacare.

1. You said you're uninsured. NOW you'll be insured. If you're actually THAT poor, you'll qualify for a subsidy. Or (if you lived in a civilized state where a Republican Governor hasn't sabotaged the Medicade Expansion) you'd get Medicade for free.

2. If you're really that poor, just don't buy insurance. You'll pay a fine ($60) and be GIVEN Medicade. Ironically, since you live in a state where you can't get the medicade, they can't fine you either. You only pay the fine if you can AFFORD the insurance but refuse to buy it. If that's not the case, you don't have to worry. In either case, I'm pretty sure you'll qualify for a near 100% subsidy.

3. You just said the Endochrinologist recommended surgery, but you can't afford it and you're uninsured. With Obamacare, one way or the other you'll BE insured and you CAN have the surgery. I don't see how that's worse. The only thing that's 'worse' is that your favorite Endochrinologist might not be in your network, which seems to be a small price to pay for HAVING the Endo you want, but not being able to afford the treatments he/she recommends. I don't see how Obamacare is anything but an improvement on that.

4. You mentioned that you haven't had insurance for 20 years, and that nobody would insure you because you have a pre-existing condition. A) Under Obamacare they now HAVE to insure you, and B) Under Obamacare IT'S ILLEGAL for them to charge you MORE because you have a pre-existing condition. So, again, I don't see Obamacare as anything but an improvement.

You've gone for 20 years without insurance, which means if you ever get sick...YOU PAY 100% out of pocket, if you've got any money at all. This way, if you've got money, you pay for the insurance, and pay a MAXIMUM of $6500 in the worst case scenario that you actually get sick. I don't see how that's worse. The other scenario is that you literally have no money, in which case you qualify for a subsidy, which would pay for most or all of the plan anyway.

So, did you look at the subsidy calculator to see if you qualify for a subsidy?