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dflprincess

(29,347 posts)

26. And that's especially true for people with chronic conditions

Reply to Myrina (Reply #16)

Fri Mar 28, 2014, 11:47 PM

Mar 2014

who may hit the deductible every year. (And the law does allow for the deductible to increase every year.)

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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