General Discussion

okaawhatever

(9,565 posts)

17. I know some states, if not nationally, have an option for those with lower incomes to get

Tue Dec 24, 2013, 09:59 PM

Dec 2013

lower deductibles and max out-of-pockets. My state didn't expand Medicaid or develop a state exchange so I saw it on the site for another state, but basically I was looking for quotes and depending on my income the deductibles and out-of-pockets varied widely. It had a note on the computer that said my income may qualify me for lower deductibles which it called subsidized deductibles or deductible assistance.
There are higher deductibles and co=pays which is why certain things don't have a deductible at all like physicals, flu shots, mammograms and some other things. So basically the few things one needs every year and make sense policy wise to avoid much larger future costs are required in every policy and then it's a trade-off between higher policy premiums or higher deductibles.

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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