Affordable Care Act tore me up

[Shadowferal]

UnitedHealthcare to exit most Obamacare exchanges

UnitedHealthcare, the biggest health insurer in the United States, said Tuesday that it plans to exit most of the Affordable Care Act state exchanges where it currently operates by 2017.

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Higher premiums forthcoming.

[Logwyn]

That's not entirely uncommon. My insurance costs last year were actually cheaper than the year before and I had better coverage with the exact same insurance company as well (stepped up to the next higher plan). If I had children, though, my rates would have been higher. This year is a different story as I had to go for a high deductible style plan to counter the costs I was facing with my treatments. If I had been able to stay with the same company and plan this year, my rate would roughly be about $10 a month more than I was paying 2 years ago as I'm now 2 years older.

I see. Mine cost was cut in half. From ~400 for a couple to ~200 for a couple. Went from company providing it last year. To we had to get it from the marketplace this year. It worked out better. But I'm scared what next year holds though. The we won't cover this anymore and this drug isn't on the formulary now scares the crap out of me.

[breadisfunny]

<pointless blather>.

don't you have a socialism is evil thread to be posting right about now? or how about posting how great scott walker is? people like you are what is wrong with humanity.

[Luxxor]

don't you have a socialism is evil thread to be posting right about now? or how about posting how great scott walker is?

Thats really amusing considering I like Bernie. I think you might be confusing me with someone else. Either ways put your Guy Fawkes mask back on and move along.

[Tinykong]

Listen, I dont really care what sort of tangential argument you are trying to make her.

It doesnt even really sound like you are even facing having to pay the mandate. In fact I'm not really sure what point you are trying to argue. Dont want to pay the mandate? Dont have a tax return. If thats too hard for you then pay the mandate.

Simple really.

I'm clearing away the stinky shitposting that's going on here.

Not paying the fine doesn't make it go away. With holding exactly the right amount of tax is unreasonable for most people.

Simple.

[Luxxor]

I'm clearing away the stinky shitposting that's going on here.

Not paying the fine doesn't make it go away. With holding exactly the right amount of tax is unreasonable for most people.

Simple.

Im not arguing with you anymore. You dont even have a dog in the fight here, move along.

[Rukh]

because many people can not afford the un-affordable healthcare act. Only the bottom feeders can because they are the ones being paid for.

None of what you said is actually true, but I doubt that's going to stop you. People might complain about the price, but they can afford it.

[drwelfare]

None of what you said is actually true, but I doubt that's going to stop you. People might complain about the price, but they can afford it.

Just got to go without things. What all are you going to give up to pay for it. Need to come up with $8-10 a day everyday, you can have insurance instead of breakfast and lunch.

[Rasulis]

Cheapest Health Insurance I can get is $968.00 a month, this is double my Mortgage payment. I refuse to pay more to insurance than my house. Also this is no where near affordable. I just paid my $921.00 fine and was happy its still 1/10th of a years of premium.

I used to feel like that. Until my wife collapsed about 10 years ago with splitting headache. It took medical science 8 years to diagnose her with Chiari Malformation. She finally had the necessary surgery 2 years ago which alleviated 99% of the problem. If we did not have medical insurance, that 8 years would have driven us to the poorhouse.

[Rukh]

Just got to go without things. What all are you going to give up to pay for it. Need to come up with $8-10 a day everyday, you can have insurance instead of breakfast and lunch.

If you get no subsidy, you are making over 80k/yr for a family of 3, or 97k/yr for a family of four. Again, if you don't want to afford it, that's up to you, but you don't have to "go without" if that is your income level to afford health insurance. You just don't want to because you're gambling on your health.

[lockedout]

2017 is when you really see how much this shit will cost you.

[Shadowferal]

If you're single/male making a bit over $32/year...no subsidy after that amount. (at least in NJ)
You are the target demographic that will have to pay more than you probably ever wanted to.

[Thetruth1400]

Costs would be greater than the fine,.

I find that extremely hard to believe. Cost for not filing is $325. Cost to have a tooth pulled is $75 for a regular tooth and $300-800 for a wisdom tooth.

Beyond just that, one trip to the emergency room can net you between $500 - $3,000 in bills while something that requires surgery is going to net you $20,000 and about $1,000 a day you end up staying.

Without insurance, you're basically forcing that payment onto an already overburdened system just because you want to save a few bucks "in case nothing happens."

[Damajin]

None of what you said is actually true, but I doubt that's going to stop you. People might complain about the price, but they can afford it.

Nah, I can't afford it actually. Cheaper to pay the penalty which is why that's what I'll be doing this year. I never go to the doctors' so not paying for something I'd never use.

[Shadowferal]

I find that extremely hard to believe. Cost for not filing is $325. Cost to have a tooth pulled is $75 for a regular tooth and $300-800 for a wisdom tooth.

Beyond just that, one trip to the emergency room can net you between $500 - $3,000 in bills while something that requires surgery is going to net you $20,000 and about $1,000 a day you end up staying.

Without insurance, you're basically forcing that payment onto an already overburdened system just because you want to save a few bucks "in case nothing happens."

And if I don't sick get at all, or need anything medically speaking...As has been the case for quite a few years now.

The one thing people tend to forget when calculating the cost of a policy is to add in the deductible.

[cuafpr]

And that's a temporary fact. The reason insurance rates are so high is because hospitals charge a ton. The reason hospitals charge a ton is because some people don't pay and hospitals still need to make their money. With many more people having insurance, hospitals receive their money more reliably and can then lower the rates they charge to insurance, who should then lower the rates they charge to consumers.

..... that last sentence you must be living in a dream if you think rates are ever coming down.. if anything when we got a single payer type system the actual price being paid will go up, but people wont notice b.c. it wont be out of their pocket directly... why do i think this?? in a word GREED.

and this:
http://money.cnn.com/2016/04/19/inve...exchanges-aca/

[lockedout]

I find that extremely hard to believe. Cost for not filing is $325. Cost to have a tooth pulled is $75 for a regular tooth and $300-800 for a wisdom tooth.

Beyond just that, one trip to the emergency room can net you between $500 - $3,000 in bills while something that requires surgery is going to net you $20,000 and about $1,000 a day you end up staying.

Without insurance, you're basically forcing that payment onto an already overburdened system just because you want to save a few bucks "in case nothing happens."

You're still paying for that emergency room visit because of the outrageous deductibles.

[Luxxor]

If you get no subsidy, you are making over 80k/yr for a family of 3, or 97k/yr for a family of four. Again, if you don't want to afford it, that's up to you, but you don't have to "go without" if that is your income level to afford health insurance. You just don't want to because you're gambling on your health.

You are full of it. I'm not eligible for any subsidy on $50k of taxable income. I pay about 30% in taxes and live in So Cal where rents and cost of living are very high. I can buy a new car and make payments or buy Heath Insurance, which ive been without for almost 3 years.

[Rukh]

You are full of it. I'm not eligible for any subsidy on $50k of taxable income. I pay about 30% in taxes and live in So Cal where rents and cost of living are very high. I can buy a new car and make payments or buy Heath Insurance, which ive been without for almost 3 years.

How many people are in your family?

Unless you have 3 or 4 members, the rates I gave don't apply. The only way you don't get subsidized if you make 50K is if you are paying taxes and not covering anyone else. If you are a unit of two, 50k is under the 63k cutoff.

If you are a unit of 1 though, your individual premium is an average of $286 amonth. Far below a family plan. Again if you're not paying it, its because you choose not to. You can easily afford it on a 50k salary. And if all you wanted to cover was bare catastrophic coverage so you didn't get wiped out in the event of a severe illness or hardship, it's only around $150 a month. Again, easy to afford basic protection.

[Shadowferal]

If you are a unit of 1 though, your individual premium is an average of $286 amonth. Far below a family plan. Again if you're not paying it, its because you choose not to. You can easily afford it on a 50k salary. And if all you wanted to cover was bare catastrophic coverage so you didn't get wiped out in the event of a severe illness or hardship, it's only around $150 a month. Again, easy to afford basic protection.

$286..o hell no! (I prefer the $32/month that I used to pay)