General Discussion

ErikJ

(6,335 posts)

84. Yes for self-employed its always been a problem

Sun May 15, 2016, 08:49 PM

May 2016

I looked for health insurance as self employed in the 80's and it was such a joke. My dad was an MD so I could always fall back on him to "trade" services with another doctor. But it was getting time to have my own and they were just awful. Luckily I was healthy enough to never need it any. But I did get a skin cancer removed for free just out of a misdiagnosis fluke in '92.
Obamacare did make it better but the 2nd year the cost skyrocketed but I went on the state health plan because I am now taking a few years off and moving with zero income.

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Sorry, We Don�t Take Obamacare [View all] mia May 2016 OP

Health Insurance isn't Healthcare Kittycat May 2016 #1

There's no such things as health insurance. It's medical insurance. "Sometimes" it pays valerief May 2016 #3

Hell, it's not "affordable" and it doesn't provide "care" tularetom May 2016 #12

I'm talking about all the insurance people call "healthcare insurance." I'm sick of the misnomers. valerief May 2016 #14

Yeah, I hear that a lot from right wingers. Jackie Wilson Said May 2016 #26

Since you are hearing it from both sides, maybe figuring out what it means would be important. xocet May 2016 #64

we just need sweetapogee May 2016 #88

Health insurance is how France and Germany do it. Mika May 2016 #5

And strictly regulated by the respective governments enlightenment May 2016 #18

right on moonbabygo May 2016 #20

Folks could sign with Kaiser, but they don't. A number of cooperative ACA plans went belly up. Hoyt May 2016 #56

The co-ops went bankrupt when congress turned grants into loans fasttense May 2016 #67

They couldn't make it work without being able to raise capital. That's sad, but a fact. Hoyt May 2016 #69

+1000 Silver_Witch May 2016 #6

Not 1 doctor in my county takes Obamacare! Thank you Bernie for the 'community health centers' ViseGrip May 2016 #2

You're driving from Florida to Vermont savalez May 2016 #31

Learn something: truebluegreen May 2016 #41

So your answer is "no". savalez May 2016 #58

The poster you responded to did not answer. truebluegreen May 2016 #73

community health centers are a very important addition IronLionZion May 2016 #53

I had to get a more expensive ACA plan so that I could have coverage by my doctor. valerief May 2016 #4

I never heard of a health insurance policy issued under the name "obamacare"...last time I looked beachbum bob May 2016 #7

Obama himself called it Obamacare. nt Quackers May 2016 #23

Link? tabasco May 2016 #37

Sure. I thought everybody had heard him say it before. Quackers May 2016 #38

That doesn't change the fact the policy you purchase is typically from a standard insurance carrier Egnever May 2016 #59

You don't believe the ACA has limited people's options? nt Quackers May 2016 #70

Not for a second Egnever May 2016 #72

Tell it to these people. Quackers May 2016 #87

Pretty much every insurance has deductibles Egnever May 2016 #93

If it's affordable.... CompanyFirstSergeant May 2016 #8

By ACA law ALL health insurance must cover almost everything now. Jackie Wilson Said May 2016 #27

The basic 'affordable' plan.... CompanyFirstSergeant May 2016 #28

Which has absolutely nothing whatsoever to do with what is covered. Jackie Wilson Said May 2016 #29

Right..... CompanyFirstSergeant May 2016 #30

Bottom line..... CompanyFirstSergeant May 2016 #33

No, you implied the policy itself covers nothing. Hey, you dislike Obama, got it. Jackie Wilson Said May 2016 #34

Before the ACA it was $5000 savalez May 2016 #36

My COBRA ins from former employer cost $400 a month with a $1500 deductible Leontius May 2016 #66

Mine is $65, $1500 deductible and xmas74 May 2016 #85

Actually, it covers a number of preventive services, tests, etc., without coinsurance and Hoyt May 2016 #82

So? Grins May 2016 #48

What law would allow that? former9thward May 2016 #75

The problem is the plans dont pay enough Travis_0004 May 2016 #77

Try getting a serious illness that costs under $3,500 BeyondGeography May 2016 #54

Nothing routine.... CompanyFirstSergeant May 2016 #55

That's a long way from "covers nothing" BeyondGeography May 2016 #60

Hahaha Egnever May 2016 #62

It's always been a problem to find providers that take your insurance csziggy May 2016 #9

"we don't take Obamacare?" stopbush May 2016 #10

Because the policies have unique names that identify them as ACA. nt hack89 May 2016 #11

Really? stopbush May 2016 #15

I just signed up my daughter for ACA hack89 May 2016 #19

Exactly Kilgore May 2016 #21

Yes. enlightenment May 2016 #22

Yes. basselope May 2016 #25

I've been considering doing that myself PersonNumber503602 May 2016 #78

Make sure to talk to your provider first. basselope May 2016 #83

It's true rusty fender May 2016 #57

No not really Egnever May 2016 #63

I had to pick a doctor when I signed up. ScreamingMeemie May 2016 #13

Me too. The day before my 'well visit' they called and said they "left the group". ViseGrip May 2016 #16

Biggest problem now is the 'out of network' scenarios for emergency trips to the hospital! ViseGrip May 2016 #17

The millions of self employed are left out and pay a huge premium randr May 2016 #24

Yes for self-employed its always been a problem ErikJ May 2016 #84

They did it to themselves. They bought less expensive policies that were junk tonyt53 May 2016 #32

Or, they bought less expensive policies that they could afford truebluegreen May 2016 #44

Isn't Obamacare supposed to screen out junk plans? fbc May 2016 #50

Why we need single-payer, not managed care... JCMach1 May 2016 #35

Absolutely right. silverweb May 2016 #46

BCBS Covered California plans are paying 20% less than comparable plans taught_me_patience May 2016 #39

Obama didn't push public option Omaha Steve May 2016 #40

I thought it was Joe Lieberman who sunk the public option.. annabanana May 2016 #89

Ben Nelson & Lincoln too Omaha Steve May 2016 #90

"The goal of the Affordable Care Act, which took effect in 2013, was to provide Gene Debs May 2016 #42

The plans offered on the California Exchange are LibDemAlways May 2016 #43

The Silver Plan pays 90% and there is an Out of Pocket Max that is probably a few thousand flamingdem May 2016 #79

That wasn't my relative's experience. His premium was over $600 LibDemAlways May 2016 #91

Ouch. I am in denial about Emergency Room costs, not sure what mine would be flamingdem May 2016 #92

That does not make sense Andy823 May 2016 #45

That's because Washington State chose to do it that way. silverweb May 2016 #47

It's a BS article Egnever May 2016 #61

It's not BS at all. PersonNumber503602 May 2016 #76

Unfortunately for Americans, Thespian2 May 2016 #49

There lies one of my biggest complaints about Obamacare Victor_c3 May 2016 #51

We'll fix it later. Like Hillary. eom whereisjustice May 2016 #52

another RWNJ Cryptoad May 2016 #65

"Obamacare" is private insurance. Vinca May 2016 #68

I smell a bogus story. alarimer May 2016 #71

I agree. In my area at first not all doctors took it but later they had to flamingdem May 2016 #80

They will know if the plan was purchased off the exchanges PersonNumber503602 May 2016 #81

This message was self-deleted by its author Skittles May 2016 #74

Doesn't their insurance have a list of doctors who accept their plan? dilby May 2016 #86