Editorials & Other Articles

handmade34

(24,021 posts)

18. well...

Fri Mar 28, 2014, 05:26 PM

Mar 2014

lots of concerns... the Country really needs single payer!!

example even in Vermont (we are working slowly towards single payer)... very rough figures... if medical care is needed (max)

a single person making $30,000/year...
$260 subsidy
Platinum policy with max out of pocket $1200.... costs $350 after subsidy
averaged high end... health care (including insurance) will cost approx. $500/month 20% of income

a single person making $30,000/year...
Silver Plan... high deductible
$260 subsidy
max out of pocket $5100.... $167 after subsidy averaged high.... health care (including insurance) will cost approx. $600/month approx. 25% of income

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Highlight:

Wendell Potter: Obamacare Subscribers: Beware of High Deductibles (ITYS) [View all] antigop Mar 2014 OP

Add those deductibles to 40% copays (Bronze Plan), and Jackpine Radical Mar 2014 #1

and it's called, "The AFFORDABLE Care Act". Unbelievable. nt antigop Mar 2014 #2

The cost of the policy itself is affordable with subsidies. Jackpine Radical Mar 2014 #4

If you don't qualify for the subsidies, it's really not "affordable". antigop Mar 2014 #6

using family size of 4 & annual incomeof $49K th after subsidy prem is $3225/yr, comparedto $15,453 Bill USA Apr 2014 #42

Just because the insurance is affordable, Jackpine Radical Apr 2014 #43

Employer health coverage is also becoming high deductible LiberalEsto Mar 2014 #3

yes, Wendell Potter has written about this....there is a move towards high-deductible plans antigop Mar 2014 #5

I think colonoscopies shouldn't be subject to cilla4progress Mar 2014 #7

That is a very good point. Maybe it is deductible LiberalEsto Mar 2014 #8

The colonoscopy itself should be covered dflprincess Mar 2014 #25

Mine is UnitedHealth too LiberalEsto Mar 2014 #30

It may depend on your policy - or if the new rules don't allow exceptions dflprincess Mar 2014 #36

what if they find something during the colonoscopy that requires surgery? nt antigop Mar 2014 #34

Then you get reamed. Arugula Latte Apr 2014 #44

my plan through work went from 500/yr to 8300. if I get sick on dec 31 Doctor_J Mar 2014 #33

The premiums and the co-pays are marginally "affordable"... truebrit71 Mar 2014 #9

No, premiums are NOT affordable for older people (pre-Medicare) antigop Mar 2014 #10

I was speaking of my own investigation for the exchange for my state... truebrit71 Mar 2014 #11

yes, it really is scary. The rates are outrageous. They really are. And that's just for the antigop Mar 2014 #12

I agree cilla4progress Mar 2014 #13

The other problem is that the narrow networks force you to go out of network antigop Mar 2014 #14

Sure beats an infinite deductible Freddie Mar 2014 #15

To many, $6k IS an infinite deductible. Myrina Mar 2014 #16

Not to mention that the caps may not apply to out of network. See post #14. antigop Mar 2014 #17

And that's especially true for people with chronic conditions dflprincess Mar 2014 #26

well... handmade34 Mar 2014 #18

now run the numbers for an older person (pre-Medicare) who makes $1 more than the FPL limit antigop Mar 2014 #19

to be fair handmade34 Mar 2014 #20

now run the numbers for an older person (pre-Medicare) who makes $1 more than the 400% FPL antigop Mar 2014 #21

ok handmade34 Mar 2014 #29

run the numbers for an older couple with income $1 more than 400% FPL antigop Mar 2014 #37

20% of your income for someone making $40K is a huge outlay Doctor_J Apr 2014 #46

400% of the FPL sounds impressive dflprincess Mar 2014 #27

FPL handmade34 Mar 2014 #28

+100% nt LiberalEsto Mar 2014 #31

Oh <duh> (on me) dflprincess Mar 2014 #35

premiums can definitely be unaffordable, especially if you live in a state w/ a high cost of living antigop Mar 2014 #38

Why the flame bait with the "cue the cheerleaders" comment elias7 Mar 2014 #22

LOL. How about actually addressing what the article is about? nt antigop Mar 2014 #23

Yes the high deductibles suck elias7 Mar 2014 #39

and thanks for the kick! nt antigop Mar 2014 #24

Now, care to address my comment? elias7 Mar 2014 #40

potter is an enemy of big insurance. The aca was a major windfall for big insurance Doctor_J Mar 2014 #32

kick nt antigop Apr 2014 #41

It seems like the ACA, like most modern solutions from DC, provides some relief for the poor, Doctor_J Apr 2014 #45