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penultimate

(1,110 posts) Mon Mar 31, 2014, 10:43 AM Mar 2014

My premium is about $100/mo higher with a plan I got from the ACA [View all]

I used to have a somewhat similar individual plan with the same deductible I have with my new plan. It might cost a little bit more, but I do not mind because I feel confident that I won't have to worry about coverage due to some of my issues being preexisting. There were times in the past in which my insurance was only useful to let me get the group discounts(or whatever they are called) Which was nice, but hardly worth the money I was paying out. Not to mention the fact there is the safety net of knowing that if at some point I am unable to pay my premium due to health issues, job loss, or zombie apocalypse, I will be able to continue to receive effective care thanks to the subsidy programs making it possible.

So yeah, I don't mind paying a little bit extra. That being said, I wish there wasn't the whole middleman insurance companies in the mix, because they can still be assholes. This may not be a popular 'thought', but I see how the insurance mandate can be viewed as a form of tax. Everyone has to pay into the system and in exchange we should all get some form of healthcare (although that's not really how it's working out for some) But instead of our money going directly to fund out health system, it's instead going an indirect route through insurance companies who take their cut and meddle with out treatment. That seems a bit inefficient to me. Despite that, I'd still take this over what I had to deal with before.

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My premium is about $100/mo higher with a plan I got from the ACA [View all] penultimate Mar 2014 OP

I hope you have your flame retardant suit on Glitterati Mar 2014 #1

Really? I didn't think I was being negative at all penultimate Mar 2014 #2

Why, of course you're not being negative Glitterati Mar 2014 #4

I don't think anyone here objects to a TRUTHFUL OP like this one. Walk away Mar 2014 #32

I don't see that you are being negative at all. Quess someone either didn't read your post or lumpy Mar 2014 #31

It will be great when we can get rid of insurance companies treestar Mar 2014 #3

Did you see where larger hospital chains are cutting out the middleman (insurance companies)? joeglow3 Mar 2014 #6

Yep, the ACA provides incentives for hospitals and physicians groups to set up their own insurance Hoyt Mar 2014 #26

Even if we had single payer, the insurance companies will still manage cbdo2007 Mar 2014 #13

I agree. BKH70041 Mar 2014 #15

Except the law is designed to prop-up the insurance corporations Nuclear Unicorn Mar 2014 #23

If they go belly up, that would not work, would it? treestar Mar 2014 #29

I have the same issue and understand what you are saying. peace13 Mar 2014 #5

I couldn't imagine paying $900/mo for insurance penultimate Mar 2014 #10

No that is just for one person. peace13 Mar 2014 #20

Or if you hit a max amout of services......one thing my stupid plan had. a kennedy Mar 2014 #7

I had insurance plans offered to me that had max payouts of $100,000 penultimate Mar 2014 #11

Same thing happened to a friend Freddie Mar 2014 #8

I had bypass surgery (6) Keefer Mar 2014 #12

Were you continuously insured? Glitterati Mar 2014 #14

As a small business they simply doubled the rates until you could not afford the insurance. peace13 Mar 2014 #21

Individual plans (not employer) had the pre-existing condition thing Freddie Mar 2014 #17

Ummm. I'm sorry but you're wrong Glitterati Mar 2014 #19

You're right Freddie Mar 2014 #24

AMEN Glitterati Mar 2014 #25

During congressional hearings Notafraidtoo Mar 2014 #36

"but I see how the insurance mandate can be viewed as a form of tax." Bandit Mar 2014 #9

PROOF: Medicare overhead is 3%, but private ins co's 20% overhead (w/o ACA it was much more) ErikJ Mar 2014 #16

Yes premiums have gone up for a few people. But on average more premiums have gone down. totodeinhere Mar 2014 #18

WE need to focus on those out there who are still paying the full load. peace13 Mar 2014 #22

Oh yes. This is only a start. There remains a lot of work to do and hopefully totodeinhere Mar 2014 #30

Here is an example. peace13 Mar 2014 #33

It probably would have been impossible to write the ACA so that at least some people totodeinhere Mar 2014 #34

Thanks for being so honest. Auntie Bush Mar 2014 #27

In a weird way I think your post exemplifies the problem booley Mar 2014 #28

You're paying more and you're getting more, as you are aware. pnwmom Mar 2014 #35