General Discussion

earthbot1

(77 posts)

6. I just signed up

Tue Dec 24, 2013, 09:35 PM

Dec 2013

My income is kind of low now, but I am still hoping to eventually get a full time job.

My question is this. If you can just barely afford a monthly plan, then how do they expect you to pay the high deductibles?
I might have payed for more than I can afford, but the other plans offer very little coverage until you pay off the deductible.
Either way the insurance company makes out good.

I am grateful for something, but hopefully it is what I think it is.

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Why would one buy Obamacare when after you get [View all] doc03 Dec 2013 OP

Sometimes it's too late when you're already sick. blue neen Dec 2013 #1

If You Miss Open Enrollment You Can't Covered Immediately - Reason to Get in Early Indykatie Dec 2013 #30

I'm happy my son got signed up in time. blue neen Dec 2013 #32

Yup. Lock in a good rate before you get sick. JaneyVee Dec 2013 #50

the "tax" for not being insured will gradually increase to the point Warren Stupidity Dec 2013 #2

Cost for service when you don't have insurance...will no longer be covered under VanillaRhapsody Dec 2013 #3

The big cut-off date is March 31. pugetres Dec 2013 #4

coverage can only start at the 1st of the month Schema Thing Dec 2013 #5

If you are a young person with no assets and can't pay and break your arm or doc03 Dec 2013 #7

yes, as far as I know emergency care has not changed at all under ACA Schema Thing Dec 2013 #8

they still send you the bill don't they ? JI7 Dec 2013 #9

Any hospital will bill you and will hound you incessantly to pay your bill. stopbush Dec 2013 #31

I just signed up earthbot1 Dec 2013 #6

From what I understand the bronze plan has lower premiums doc03 Dec 2013 #10

For the bronze options where I live, the deductibles ranged from Tanuki Dec 2013 #13

You have to figure the cost of the plan plus the deductible. So doc03 Dec 2013 #16

i need insurance earthbot1 Dec 2013 #20

Not exactly true Trekologer Dec 2013 #24

All preventive care including needed tests is free. Live and Learn Dec 2013 #38

Be that as it may, chervilant Dec 2013 #41

I don't think anybody here is arguing Live and Learn Dec 2013 #48

yes that is the way it works riversedge Dec 2013 #51

I know some states, if not nationally, have an option for those with lower incomes to get okaawhatever Dec 2013 #17

There can be programs to help too treestar Dec 2013 #68

That is a problem treestar Dec 2013 #66

The fine is $95 in 2014, $325 in 2015 and $695 in 2016 joshcryer Dec 2013 #11

With my employers insurance I paid no premium only 10% of the bill with a doc03 Dec 2013 #14

You were a union steelworker, and your union did right by you in negotiating healthcare Tanuki Dec 2013 #18

You are right about that, there were some things the union doc03 Dec 2013 #22

What I think many people are missing is that, yes, the fine in $95 or 1%... Buns_of_Fire Dec 2013 #56

I wonder PasadenaTrudy Dec 2013 #58

It really depends, if they're in a state with Medicaid expansion, should be good. joshcryer Dec 2013 #59

We are all in CA PasadenaTrudy Dec 2013 #61

That's great news. joshcryer Dec 2013 #63

Actually from the incomplete description they probably qualified for Medicaid before the ACA. Warren Stupidity Dec 2013 #67

I'm also wondering PasadenaTrudy Dec 2013 #62

That's exactly the point, they'll be fine. joshcryer Dec 2013 #64

Thanks for the info. PasadenaTrudy Dec 2013 #71

One of my friends, who recently graduated with me mecherosegarden Dec 2013 #12

You'd have to wait until the next enrollment period rucky Dec 2013 #15

Just tell him that's when the Death Panelty kicks in. GeorgeGist Dec 2013 #19

This country is way past due for the single payer TlcJobCoach Dec 2013 #21

It is ridiculous! chervilant Dec 2013 #42

Yes. But Canada also phased it in TBF Dec 2013 #47

Agreed, the voters here are just too easily treestar Dec 2013 #69

First... gcomeau Dec 2013 #23

correction: Will not be able to buy insurance until the next open season. grantcart Dec 2013 #26

Touche... gcomeau Dec 2013 #28

You can only buy through the exchanges during the open season. grantcart Dec 2013 #25

Because if you don't, you get fined?? Mandated purchasing of a product from Private Corporations. sabrina 1 Dec 2013 #27

Millions are being added through expansion of Medicaid grantcart Dec 2013 #29

Indeed, it's only in GOP states that Medicaid expansion isn't happening. joshcryer Dec 2013 #34

This is a useful post and, i.m.h.o., deserves more recs. snot Dec 2013 #33

How is it useful? seattledo Dec 2013 #36

Welcome to DU, and enjoy your stay. N.T. Donald Ian Rankin Dec 2013 #46

False. You can't buy car insurance at the scene of a car wreck. JaneyVee Dec 2013 #49

You're joking, right? snot Dec 2013 #53

Because if you have coverage you'll have routine checkups Spider Jerusalem Dec 2013 #35

You must enroll during the enrollment period gerogie2 Dec 2013 #37

Kind of hard to wait until the next open enrollment Live and Learn Dec 2013 #39

Maybe you can just do what jamzrockz Dec 2013 #44

But most people don't really like that option Live and Learn Dec 2013 #45

Better hope you buy it gollygee Dec 2013 #40

It a fair question dipsydoodle Dec 2013 #43

Low income families will still be bankrupted because of the family glitch. MrsKirkley Dec 2013 #52

There are limited open enrollment periods. Yo_Mama Dec 2013 #54

Try doing that when you're lying in a hospital bed after MineralMan Dec 2013 #55

Tell them... GoCubsGo Dec 2013 #57

You know that part in the story where the deal with the Devil suddenly turns sour--but quick? nt Romulox Dec 2013 #60

The fine, you could get in an accident, preventive care. Motown_Johnny Dec 2013 #65

Uhm, because Obamacare IS insurance? Myrina Dec 2013 #70

Hence, the mandate. Everybody in the pool! nt jazzimov Dec 2013 #72

Well, just because a RW said it doesn't mean they own it. maced666 Dec 2013 #73

Tell him to try it and let you know how it goes. JoePhilly Dec 2013 #74