PSA - If you opt out of the ACA next year

[moriah]

90. Now you make Democrats out to sound like cheats.

If you can't pay for insurance with the subsidies and also can't pay the fee, most likely you will already qualify for a hardship exemption and may already be juggling bills around, robbing Peter to pay Paul. What do you suggest for people in all-utilities-paid units, like me, to do to deliberately cheat the system?

It sounds like advice someone would give to some young, healthy person who just doesn't want to pay their fair share, not like advice that you would give someone actually worried about how to pay it.

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As for me, I've gotten a hell of a lot out of my healthcare than I paid into it. I've already hit my max out-of-pocket for the year, $1200, without having to even touch my deductible. I've had enough copays on doctor's visits and medicine to hit max OOP. The rest of my year's medicine and doctors visits are free. My plan this year cost $82.94 a month with the subsidy, due to the brouhaha over on another ACA thread I'm going to wait until they've finalized rates and subsidies on the 15th to confirm how much it'll be (it was different last week when I looked).

They need to fix the "loophole" that makes it where family coverage through an employer can be more than 9% of the income for a family. That would make more people eligible for truly affordable, usable health care.

Sure, I wish it cost less to get my prescription, but that's what the max OOP is for. I wish it was cheaper to see my psychiatrist. I still have to struggle until I hit max OOP. But at least I can see those doctors, get that medication, etc.