General Discussion
Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsHere's my ACA rate INCREASE for those who doubt...
Last edited Thu Oct 10, 2013, 08:42 PM - Edit history (1)
I DO NOT QUALIFY FOR A SUBSIDY AND THIS IS THE SAME RATE THAT IS QUOTED TO ME ON THE EXCHANGE. IT IS ALSO IN THE SAME PRICE RANGE AS ALL THE OTHER OFFERINGS ON THE EXCHANGE.I've posted a bit about this before and nobody seemed to believe me, so I've decided to share photos of the "plan comparison" chart from Blue Cross that I received.
So, to summarize:
* Premium going way up!
* Deductible going way up!
* Out of pocket going WAAAY up!
But hey, at least I, as a 30-something male, get pediatric dental/vision and maternity covered, right? Right? RIGHT?!?
Sparkly
(24,149 posts)If you keep the same one, the ACA prevents insurance companies from raising the premium more than 10%.
You don't HAVE to use the exchange, if that's the problem.
ReverendDeuce
(1,643 posts)I _can't_ keep the same plan. They are forcing me into an ACA-compatible plan because my old plan does not include mental health, maternity, etc.
notadmblnd
(23,720 posts)You're going from Blue Essential to Blue Essential Plus. You're signing up through the Healthcare.gov website or is your current insurer telling you this is what you are getting this year?
Yo_Mama
(8,303 posts)have to include those new coverages. Of course premiums go up. Smaller companies that buy group insurance are often having their current plans discontinued and being forced to buy compliant plans.
This is in the law. Some companies are not complying because the employer mandate is being suspended for next year. I don't think you can blame the company for complying with the law.
notadmblnd
(23,720 posts)You can go to the exchange. He also claims that the exchange gives him the exact same quote but doesn't give us a screen shot of that one. Wonder why? It's not because he's incapable of doing that as he posted a screenshot of his private plan.
My problem with the OP is that that they are claiming that his higher rate for the next year is because of the ACA which it is not. That is why he is not getting a lot of support for his dilemma.
Response to notadmblnd (Reply #199)
lostincalifornia This message was self-deleted by its author.
Yo_Mama
(8,303 posts)I'm sorry, but it is. This plan is one of the qualifying plans sold on the exchange in his state for people his age, and yes, premiums will be very similar, because every company is basically working off the same tables.
ACA's individual mandate means that he has to buy all that extra coverage or pay a fine, which in his case would be very close to the amount of his extra premium. And those are the policies on the exchange.
He doesn't qualify for the subsidies so he doesn't qualify for the cost-sharing, so he is stuck with something like this. And it is not even the increased premium that is bothering him - it is the out of pocket costs. His maximum under the old plan for premiums and deductible (no copays after deductible) was $3,349.32. His maximum under the new ACA-qualifying plan is $9,192.08. With a 50% copay after his deductible, he can hit that maximum if he spends two days in the hospital or has a bad bone break.
So, he's not really insured any more. He has to start saving a lot. If he ever develops a significant medical condition, he may hit those out of pocket maximums several years running. There goes the house!
Look, I am amazed that people don't know this. ACA was written to impose MORE, not less, cost-sharing on people as a way to drive down costs. And some people will pay much higher premiums, because the cost is being shifted around. So it's true that some people (esp. older) are being offered much lower premiums than they had before, because their costs are being shifted onto the young ones like the OP. And people with pre-existing conditions get a break in most states, but that's because he pays more.
Medical bankruptcy rates are going to go up, not down, because of ACA.
The paper he posted is the SBC, which is a disclosure mandated by ACA. The company is terminating his old plan, because otherwise he'd still buy it and pay the fine, and that would mean that they would get a more expensive pool of people from the exchange, which they can't afford. They need him in there, because he's healthy.
He's still better off than if he were some poor guy his age making 30K, because even though that person would get a little help with the premium costs, the out-of-pocket is just hopeless at that income level. And cost-sharing breaks cut out a lot quicker than subsidies, so yes, that poor guy wouldn't be paying quite as much for his premium, but he's stuck with another $6,350 if he gets appendicitis.
Under ACA, both insurance and health care are affordable for very low income people. At rather low levels of income (in the 23-28K range), in many states the premiums are affordable but health care is not.
The benefit to this poster comes 25 years later, when he will be paying lower health insurance costs than he otherwise would have. But right now, it's all negative. It's a much worse insurance policy than he had, it costs more, and his costs if he has to obtain significant medical treatment take all his savings for a couple of years.
What the OP needs to do is pay another $150 or $200 a month to get real insurance. This plan's not insurance.
Incitatus
(5,317 posts)I would check out other rates. I didn't know you would be forced to buy maternity and pediatric care when you are a male and have no kids. Is that really part of the healthcare law?
Barack_America
(28,876 posts)...$400 per month with $6000 or more in deductibles. Which essentially meant that people didn't have kids, or went on Medicaid and charged the taxpayers. Family planning was decided by insurance companies. This is not acceptable and the only way to prevent it was to spread the costs around.
Incitatus
(5,317 posts)But there's no mention of a subsidy. I also wonder how the 85% of premiums being paid for patient care will work out. Maybe they charge a higher amount than needed and give a rebate at the end of the year or give the option for the customer to put it towards next year's care, allowing them to keep the money invested and earning interest for themselves.
Barack_America
(28,876 posts)This is the going rate of a non-group plan on the open market.
B2G
(9,766 posts)All plans are subject to the same conditions, exchange or private.
Unless he qualifies for subsidies, he's going to pay more either way.
ReverendDeuce
(1,643 posts)nt
B2G
(9,766 posts)Many of us are in the same boat. Those who aren't....well.
"I got mine so fuck you" cuts both ways, doesn't it?
brush
(53,776 posts)and the repugs fought tooth and nail to make it that way. Another thing we all know is that the ACA has to be tweaked and tweaked and tweaked some more maybe to the point where we finally get something more like single-payer.
Right now it's designed to help the 30 million people without coverage but because of repug resistance and their looking out for their Big Insurance clients, there is collateral damage to some higher paid people who now have to pay more.
As soon as this debt ceiling and gov shutdown mess is over we need to start lobbying our reps to start the tweaking. And that is not beyond the realm of possibility now that the repugs have alienated so many voters with this shutdown.
We have a shot at winning the House in 2014 and then we can really get the ACA fixed.
ReverendDeuce
(1,643 posts)n/t
JaneyVee
(19,877 posts)And giving more services but for more money. You should try the exchanges.
Response to JaneyVee (Reply #193)
lostincalifornia This message was self-deleted by its author.
former9thward
(32,003 posts)The ACA has no direct cost controls. The ACA simply says an insurance company must "justify" any increases of more that 10%.
Sparkly
(24,149 posts)That's why I said "if you keep the same plan."
B Calm
(28,762 posts)ReverendDeuce
(1,643 posts)n/t
bunnies
(15,859 posts)Hardly fair to blame the ACA when youre not even going through the marketplace.
regnaD kciN
(26,044 posts)Not only can you almost certainly get a better plan through the exchange, you will likely get subsidies that will lower your premiums still further.
What you are experiencing here is not "Obamacare," but private individual health insurance -- which is nearly always the biggest "sucker's game" in the business.
bunnies
(15,859 posts)but you saved me the trouble. And you nailed it. No one should be surprised to learn that the insurance companies will use any excuse to screw them. This shit didnt just start because of the ACA.
B2G
(9,766 posts)The same companies that offer private policies.
bunnies
(15,859 posts)That could make a huge difference in his cost.
ReverendDeuce
(1,643 posts)n/t
cui bono
(19,926 posts)the exchange that you will most likely get a subsidy, so the cost won't be the same.
B2G
(9,766 posts)That's a pretty big stretch given the income requirements for individuals.
cui bono
(19,926 posts)emotion behind it.
It would be very informative if he would go on the exchange to get the comparisons needed for everyone to see the whole picture. It doesn't sound like he looked at the prices and possible subsidies.
mzteris
(16,232 posts)Yes, invasive question.
But he brought this canard up. if he wants to substantiate his "claim" - then he need to back it up with real facts.
The FACT that he tried to make people think this WAS an "exchange plan" and not his own private plan, is a clue about the intent of this entire thread.
Too many people know way too little about how the ACA is designed to work and how it does work. (And of course we all know that the original design deteriorated significantly once the teaparty bastards got their greedy little racist hate-filled paws on it.)
I think pretty much this whole thread is bullshit.
Who here actually WORKS IN - or WITH - insurance. Both employed by an insurance company or agency (on the level that would actually have a comprehensive understanding or said issues. Or with the ACA or other such related group. Or administratively handles the insurance programs for their company. ?
Anyone? Anyone at all. . .
tabasco
(22,974 posts)What's your point?
VanillaRhapsody
(21,115 posts)qualifies for subsidy...Ipso Facto you WON'T be paying more than 9.5% of your salary if you make under 45k a year.
mzteris
(16,232 posts)So let's see it.
I'd like to see this comparative plan of which you speak.
TheKentuckian
(25,026 posts)Only direct from one carrier so far but that will probably be pretty generalized, this is a cartel after all.
"ObamaCare" is private insurance.
TransitJohn
(6,932 posts)that's what everyone's been saying for years.
Enrique
(27,461 posts)he is getting insurance from his employer, which now meets ACA guidelines. I believe the cases where he would be able to get insurance from the exchanges are very limited, for example if his premiums are some huge portion of his income, which appears not to be the case.
bunnies
(15,859 posts)Its a private plan he gets on his own.
Enrique
(27,461 posts)thanks
tabasco
(22,974 posts)You still have the right to go on the exchange and shop for a better deal.
Ohio Joe
(21,755 posts)Your current plan goes up, that sounds like the fault of your insurance company. If mine went up like that, I'd look for another one.
ReverendDeuce
(1,643 posts)nt
Ohio Joe
(21,755 posts)Can you log into your exchange account, get a screen grab and show us that one as well to put the doubters to rest? Right now, all you are showing is your renewal and claiming it is ACA... When it's not.
B2G
(9,766 posts)The ignorance on this thread is astounding. This information has been out there for 3 years now, but most evidently didn't read the bill.
sendero
(28,552 posts)... didn't read it.
kestrel91316
(51,666 posts)ReverendDeuce
(1,643 posts)nt
kestrel91316
(51,666 posts)either. They bankrupted far too many Americans. You'd think you would care about your fellow Americans, but maybe they don't care about anybody but themselves where you hail from. More's the pity.
Anyway, $236/mo for that policy is no biggie. If you make too much to get a subsidy, you can well afford it, unless your financial priorities are seriously effed up.
llmart
(15,536 posts)I have yet to see if the poster has stated his annual income or if he's just insuring himself or a family (true - I haven't read all the posts yet).
Anyone up to 400% of poverty level gets some sort of subsidy, so if he doesn't qualify for a subsidy it means his income is very generous. And if that's the case, then instead of whining and complaining about the cost of health insurance he should be thanking his lucky stars that he's not one of those of us who lives on $25,000 a year.
kestrel91316
(51,666 posts)But I'm the perpetual optimist. Just wish this shutdown was over. It's killing my already down business.
VanillaRhapsody
(21,115 posts)they don't understand that part.....THAT is part of the magic here....
ReverendDeuce
(1,643 posts)I paid my deductible and no more than that for treatment that ultimately cost nearly $80K. My premium barely went up the following year. I had a 0% copay and $1,500 deductible.
cilla4progress
(24,729 posts)And I've posted repeatedly here on DU with same response.
My monthly premiums, deductible, and annual out of pocket are going up under ACA. I just got laid off from my job, yet these are the rates under our now LOWER annual household income! My current plan is closing down as of 12/31/13. Our household income is @ just under 400% FPL (depending on whether unemployment benefits are counted, which I assume they are. If so, we are at/about 400% FPL). Maybe my coverage was crappy but, like you, it worked for me.
We won't sink, but unless and until I find a new job (at 58.5 y.o.), our disposable income and household budget is taking a huge hit!
I feel burned because Pres. O. kept reassuring everyone that if we "liked the insurance we had we could keep it." I believed him. What happened?
I think I understand why this is happening. As stated above: cost sharing. But really, @ $70K / yr. for family of 3 and I am expected to shoulder MORE cost? While millionaires and billionaires walk? Seems wrong, to me.
1000words
(7,051 posts)ReverendDeuce
(1,643 posts)What do you mean "incoming"?
1000words
(7,051 posts)bunnies
(15,859 posts)is bullshit. And yeah, we don't enjoy hearing bullshit.
ReverendDeuce
(1,643 posts)nt
bunnies
(15,859 posts)Do you make too much to qualify?
elehhhhna
(32,076 posts)DevonRex
(22,541 posts)What state do you live in? Zip ? How many adults? Ages? Household income? Smokers? If you go to http://kff.org/ and plug that information the subsidy calculator you'll have a very close estimate of what you'll get and your rates.
Doctor_J
(36,392 posts)the company would be unable to screw him. Why must every one who is not being helped by the aca get attacked by the BOG?
bunnies
(15,859 posts)Im out of work due to needing a surgery, and dont have insurance. And since my income is too LOW to qualify for subsidies, I dont get shit. I get to hold my breath and wait to see if my state expands medicaid, which it has not done. Furthermore, Ive never once posted in the BOG. Just FYI.
Drunken Irishman
(34,857 posts)There is a group of liberals here who will all but call you a deranged cultist.
Love how the guy calling you out has a Bernie Sanders avatar - a guy who voted for the ACA.
bunnies
(15,859 posts)Im a cultist one day and a hater the next. Not quite sure how that works. Not to mention, it isnt exactly difficult to use DU's search engine to see that everything that poster assumed about me is bullshit.
The other day someone attacked me as being a pro-Hillary troll. I almost peed myself from laughing so hard.
Response to 1000words (Reply #12)
lostincalifornia This message was self-deleted by its author.
Beaverhausen
(24,470 posts)And what is coinsurance?
Cal Carpenter
(4,959 posts)of the bills until you have hit your out-of-pocket maximum of $6k (or $12k for a family) or whatever the exact amount is up there (don't feel like scrolling).
This is on top of your premium. A few things are exempt, like annual physicals (wellness). Most doctor appts beyond that, you have to pay for up to your deductible and then coinsurance on top of that up to the OOP max for the year.
This is why many people have been trying to point out that having health insurance does not always equate to affordable health *care*. If people have chronic problems that require check-ups and testing and meds, or a major accident, or some other expensive medical situation, it can be cost prohibitive. The only real upside is that if someone has a huge medical bill for hospitalization or major surgery or something, they are only responsible for their annual out of pocket maximum. But I don't know that many families that can shoulder $12k in bills on top of the premiums and deductibles. Many people and families who do not qualify for significant subsidies may still find this cost prohibitive.
Sorry for the long reply, my fingers just kept going LOL.
Nye Bevan
(25,406 posts)The OOP maximum includes the deductible.
Cal Carpenter
(4,959 posts)aside from the preventative/wellness visit and certain (but very limited) other costs. Then the insurance kicks in and pays 50%.
So the family in the above scenario, between premiums, deductibles, and coinsurance, can rack up $15,500 in a year.
stevenleser
(32,886 posts)Cal Carpenter
(4,959 posts)For a single person, in a year, out of pocket. All I am doing is the math. He could just as well be a family of 4. The point still stands.
The annual out of pocket costs for many people may allow them to have health insurance, but still find health *care* cost prohibitive.
It is not really about the OP, it is about the whole picture. Many people were under the impression that they would be able "to keep (their) health care plan. Period. No one will take it away. No matter what. Period."
If anyone would like to nitpick my posts further, you can point out that I rounded up by $8 and his out of pocket would actually be $9182 and change.
Nye Bevan
(25,406 posts)is that you save a certain amount each month and put it in your HSA, and it is fully tax-deductible. You then use the HSA for cost sharing payments. The money is always yours so if you are lucky healthwise in one year it rolls over into the following year.
PETRUS
(3,678 posts)...could in theory be available to them later? If they actually had it, and didn't need it? Cool.
Nye Bevan
(25,406 posts)as he or she said that they are not eligible for a subsidy. So it's probably reasonable to assume that they could put something in an HSA each month.
stevenleser
(32,886 posts)As far as keeping your health plan, the health insurance companies have always altered plans between plan years. You never got the same exact policy from year to year. Things were added or taken away, deductibles raised or lowered, etc. This reminds me of Jon Stewart mocking the Ted Cruz for suggesting you couldnt necessarily keep your doctor. Stewart rightly mocked this by saying "As opposed to our current health care utopia where doctor and patient mate for life?!?!"
I've had to change doctors several times in the last few years. Why? Well, my employer changed health insurance companies, that was one, a Doctor of mine retired, that was two, and I moved, that was three.
Health insurance plans changed before the ACA. They would have continued to change without it.
You're trying to force a point that isnt there. Whats more, the OP is more than capable of paying for a better policy. We've already established that the minimum the OP earns is $46,000 a year based on how much you have to earn as an individual to not be eligible for subsidies.
Cal Carpenter
(4,959 posts)The $6350 is the rest of the out of pocket costs (deductibles, co-insurance, co-pays).
I am not trying to force any point. Just helping define terms and show the math. You can come to your own conclusions.
It will be at least a year or two before any real, measurable, meaningful outcomes of the ACA will be clear. Then we can see how many are not only insured but are actually able to access *health CARE*. If you don't think millions will fall through the cracks, either due to high deductibles, inability to pay premiums while waiting for their subsidy in the form of the tax break, or other massive holes in the ACA, well, all I can say is I hope you are right and I am wrong.
VanillaRhapsody
(21,115 posts)that makes perfect sense...
bajamary
(450 posts)Check this post out, as they got fabulous rates with ACA.
http://www.democraticunderground.com/10023819690
ReverendDeuce
(1,643 posts)I am just trying to prove them wrong. I'm getting the hammer with my insurance, and so are many others. It's not a lie.
Pab Sungenis
(9,612 posts)Your insurance company is forcing you into a significantly upgraded policy with coverage for tons of stuff you didn't have before.
Go to the exchange and shop.
Savannahmann
(3,891 posts)Higher deductible, higher out of pocket expenses, and it cost more. How is that upgraded? Upgraded means it's better, more out of pocket is not better.
Pab Sungenis
(9,612 posts)Mental health, additional prescription, pediatric and maternity, etc.
Savannahmann
(3,891 posts)He had opted out of Mental Health, he didn't want that coverage, and is a single male. He is almost certainly not going to need maternity care, unless he is one of those miracle males who ends up pregnant. If that is the case, the endorsement deal for Pampers and baby food will more than cover his expenses, and the college fund for Junior. The same with the other required coverage for conditions and issues he's almost certainly not going to have. Now I grant you, it is possible that he will get Breast Cancer, but those cancers in men are usually found through tests other than mammograms.
I think the point the OP is trying to make is that the cafeteria options is gone. No longer can you zip down the line and just get an orange. Now you have to get the full meal with all the food groups represented even if you would rather eat a raw turd than put meat in your mouth.
The OP's point is paying for things you don't want, or need, isn't the definition of upgraded, and isn't necessarily an improvement in his individual case. Now, he might need mental health coverage sometime in the future, but many of us never feel the need for that particular service. No, before you say it I am not belittling those who do take advantage of mental health care.
B2G
(9,766 posts)stevenleser
(32,886 posts)a lot based on the fact that he is a single person making at least 46,000 which is the minimum he would have to make in order to not qualify for any subsidies from the exchange.
ReverendDeuce
(1,643 posts)As it stands today, insurance cartels have a real gravy train going.
stevenleser
(32,886 posts)for which options you are paying.
On Edit: I find it interesting you are willing to respond to this, but not the requests for more information like your income, without which your entire OP is meaningless.
ReverendDeuce
(1,643 posts)It's as simple as that. I am not eligible for a subsidy.
If you want to try and shame me based on my income level by claiming "oh, then you CAN afford this", I'd rather not give you that kind of ammunition. In principle, I can afford it. I could afford the $400 platinum plan. But I choose not to spend that kind of money because with the plans on the exchange, there's a point of diminishing returns.
The gold plan is around $348 and is as close as it comes to my current non-ACA-compatible plan which is $161.
elehhhhna
(32,076 posts)I guess I should opt out of guy shit like prostate cancer.
Savannahmann
(3,891 posts)He in essence went down the cafeteria line, and picked that which he wanted/needed. He had a plan he was happy with, and could easily afford. Now, he has things that are useless to him, it cost more, his deductible will be higher, and his co-pay is also higher.
The Poster's point is that one size never fits all, it almost never fits most. This basic human truth has been received by so many here with such outrage and frothing at the mouth venom that I am astonished. What happened to the principles of Speaker Pelosi that we were going to pass it now and fix it later. Because now apparently anyone who points out that the law is not perfect is lumped into the same category as a RW troll. Nobody here is saying we should repeal the law. Nobody is saying that it was a mistake. What they are saying is that the law is not perfect, and we should be working to make it better. But now we've turned into the rabid Christian Fundies who we laugh at as they point at the Bible and announce that mankind started 5,000 years ago. They take the Bible as the perfect literal word of God. Now, we are acting much like them, pretending that the ACA is perfect as a law, and any discussion of changing it is heresy.
It is made by man, and nothing man has ever done has been perfect. We can always work to improve something, to make it better for more of us. I don't understand why this basic truth that normally we strive for here is met with such venomous responses. Normally we cheer the tiny little victories that we have for GLBT rights. We don't snarl and shout that the status quo is perfect. We are always striving to make it better. Why should the ACA be any different than that?
elehhhhna
(32,076 posts)but thanks for mansplaining all that to someone who has worked in and with the insurance industry.
Savannahmann
(3,891 posts)Do not include the following? Mental Health coverage, Maternity Coverage, Preventative exams for women including but not limited to Breast Cancer screenings, Pelvic Exams?
Perhaps you should notify the Department of Health and Human Services. http://www.hhs.gov/healthcare/prevention/index.html
Because they seem to think that they do. But thanks for putting your professional experience out there. So what kind of work do you do for the Insurance Industry?
http://www.hhs.gov/healthcare/facts/factsheets/2010/07/preventive-services-list.html
2.Bacteriuria urinary tract or other infection screening for pregnant women
3.BRCA counseling about genetic testing for women at higher risk
4.Breast Cancer Mammography screenings every 1 to 2 years for women over 40
5.Breast Cancer Chemoprevention counseling for women at higher risk
6.Breastfeeding comprehensive support and counseling from trained providers, as well as access to breastfeeding supplies, for pregnant and nursing women*
7.Cervical Cancer screening for sexually active women
8.Chlamydia Infection screening for younger women and other women at higher risk
9.Contraception: Food and Drug Administration-approved contraceptive methods, sterilization procedures, and patient education and counseling, not including abortifacient drugs*
10.Domestic and interpersonal violence screening and counseling for all women*
11.Folic Acid supplements for women who may become pregnant
12.Gestational diabetes screening for women 24 to 28 weeks pregnant and those at high risk of developing gestational diabetes*
13.Gonorrhea screening for all women at higher risk
14.Hepatitis B screening for pregnant women at their first prenatal visit
15.Human Immunodeficiency Virus (HIV) screening and counseling for sexually active women*
16.Human Papillomavirus (HPV) DNA Test: high risk HPV DNA testing every three years for women with normal cytology results who are 30 or older*
17.Osteoporosis screening for women over age 60 depending on risk factors
18.Rh Incompatibility screening for all pregnant women and follow-up testing for women at higher risk
19.Tobacco Use screening and interventions for all women, and expanded counseling for pregnant tobacco users
20.Sexually Transmitted Infections (STI) counseling for sexually active women*
21.Syphilis screening for all pregnant women or other women at increased risk
22.Well-woman visits to obtain recommended preventive services*
Because it sure sounds like those things are required to me. Probably because they say that the policies must cover those services. And the Doctors aren't allowed to charge anyone but the insurance company for them. Oh and the insurance companies aren't allowed to charge the individual a higher rate to cover those services based on gender and previous health issues. But what do I know? After all, I've just read it on the Health and Human Services webpage, read it dozens of times in other news stories celebrating the great services that the ACA will provide. So where can we go to get your information out there to help educate the rest of us? I mean, if this is all a misunderstanding, or a mistake, let's get that information out there from some reputable source other than I know and that's all you need to.
Thanks for your sexist response to my previous post.
but thanks for mansplaining all that to someone who has worked in and with the insurance industry.
elehhhhna
(32,076 posts)Should women pay extra for ladypart coverage? Back to the thread: He hasn't looked at the exchanges, he won't give basic info so DUers can look it up for him (yes -we do shit like that for each other), so this whole thread is bull.
socialist_n_TN
(11,481 posts)the new coverages.
Medicare for ALL!
B2G
(9,766 posts)ACA is. All plans on the exchange require the same coverage
The ignorance on this is astounding.
regnaD kciN
(26,044 posts)
to go out and take advantage if it.
Instead, you're just sitting back and taking whatever your previous insurer chooses to stick you with, and then blaming it on that ol' debbil Obamacare.
Sorry, but everyone who has posted "proof" of the ACA's horrible consequences so far have only proven that they couldn't be bothered to take advantage of it.
ReverendDeuce
(1,643 posts)LOL... "ol' debbil Obamacare"? Really? REALLY?
kestrel91316
(51,666 posts)As they should.
Go to healthcare.gov and see what they have. Then see what kind of subsidy you can get. If you make too much to get a subsidy, then you make enough to buy the plan and survive anyway. And you WON'T be bankrupted by medical expenses if you get sick or injured.
Though I really do suggest the silver level plans. They have a noticeably lower ded and OOP limit.
cilla4progress
(24,729 posts)How can we have a reasoned discussion about what needs to be fixed in the ACA if we can't accept this basic truth?
Yavin4
(35,438 posts)You're getting mental illness, maternity, pediatric dental and vision covered. You're getting all of these things covered for another $75.00.
dairydog91
(951 posts)It's time for Junior 2!
notadmblnd
(23,720 posts)ReverendDeuce
(1,643 posts)n/t
notadmblnd
(23,720 posts)This is not being offered through the ACA. This is your private insurer giving you this upgraded policy, right? Or won't you answer that?
kestrel91316
(51,666 posts)hear me complaining in spite of the fact that I am a normal, healthy weight with a healthy lifestyle.
Suck it up. We pool our resources and all of society benefits. Now, if you don't want to be or consider yourself not part of society, perhaps Somalia would make you happier. They don't force medical insurance down people's throats there.
llmart
(15,536 posts)Amen.
We're supposed to be liberal Democrats on this site. The selfishness on a Democratic site is disheartening.
This is part and parcel of living in a society where we have some sense of responsibility for others outside of ourselves. No man is an island, etc. etc. I am a senior whose children are grown and in their 40's and I don't whine and moan about paying taxes for public schools. Someone paid taxes for my children to go to school. When I was younger I didn't whine and moan about paying Medicare and Social Security taxes when my senior years were far off in the distance. It's part of the social contract that we pool our resources to help each other out, and I always thought that Democrats valued that.
I've read so many posts both here and on Facebook that start with, "But this doesn't help me any." Then we complain about the "me" society.
kestrel91316
(51,666 posts)llmart
(15,536 posts)there have been way too many of them lately, mostly with the onset of the ACA. Some of us can see right through them.
MADem
(135,425 posts)I think the failure to provide basic information so that others can "run the numbers" is a real "tell."
kestrel91316
(51,666 posts)MADem
(135,425 posts)All of us, regardless of gender, availed ourselves of a uterus in becoming a person. None of us would be here if it weren't for "lady parts." Further, the people who are grown within those "lady parts" and are born from them will be contributing to social security once they grow, and that money will be used to pay us our old age pensions.
As we age, and maybe need someone to wipe our butts and deliver our Meals on Wheels, the money forked over to "maternity care" will have paid for the birth costs of people who are doing that wiping and delivery.
Consider paying for "maternity care" an investment in old age--even if you aren't planning on having kids yourself. It doesn't just take a village to raise a kid, it takes a village to care for the elderly among us, too.
Most people I know WANT to live to a ripe old age, so they consider the payments an investment in their old age...
moriah
(8,311 posts)And if the fact that over a million more people can vote for Democrats but we STILL end up with a Republican controlled House doesn't make someone need some therapy....
SolutionisSolidarity
(606 posts)What kind of raving libertarian nonsense is it that women should pay more for insurance just because they are of child bearing age?
BlueCheese
(2,522 posts)I think part of his concern is that he doesn't need maternity nor pediatric care, given that (I'm inferring) he doesn't have any children and doesn't plan on it soon.
Barack_America
(28,876 posts)regnaD kciN
(26,044 posts)This doesn't seem to be anything from the exchange. Have you tried it?
It looks to me, from the inclusion of "previous year" information (which you WON'T get shopping the exchange) that this is simply your current private insurer jacking up your rates and trying to blame it on the ACA. You know what? Without the ACA, your insurer could have done the same every year -- as they have done to millions of Americans every year.
Personally, I recommend you visit the exchange for your state and see if you can get a better deal -- because the out-of-pocket maximum, in particular, is more than twice that of the cheapest, least-covering "bronze" plan on my state's exchange.
ReverendDeuce
(1,643 posts)n/t
Th1onein
(8,514 posts)The same insurance company that you, yourself, admit that you're getting a more comprehensive plan from. And yet, you expect us to believe that you got this from the government site and your premiums under ACA have gone up? What about those statements is NOT a lie?
B2G
(9,766 posts)You are the one not getting it.
Th1onein
(8,514 posts)B2G
(9,766 posts)He never said they were from the exchange. He said all of his costs had increased as a result of the ACA mandate that all policies contain enhanced coverage beginning in 2014.
Which is absolutely correct and that makes you absolutely wrong. Don't accuse people of lying when you obviously have no idea what you're talking about.
Mkay?
Th1onein
(8,514 posts)You read that? "Here's my ACA rate INCREASE."
Now, you can twist it any way you want to, SKIPPY, but that looks like a lie to me.
B2G
(9,766 posts)An ACA mandated increase in coverage for his policy. If it were not for the ACA, his old plan would still be valid. Would his rates have increased? Possibly, but not nearly by that margin.
I know you don't like it, but facts are facts, no matter how much we wish they weren't.
that is a private insurance plan increase. A lie is a lie is a lie, skippy
darkangel218
(13,985 posts)It turns out the ACA is mandating certain benefits to be included in all policies, so the private insurence adjusted the benefits and subsequently the rates in accordance to the ACA demands.
I didn't get it at first either.
Its kind of odd though.. why would a male need maternity benefits? Maybe I'm missing something
Yo_Mama
(8,303 posts)because that way premium costs are evened out between men and women. Remember, under ACA you can't charge different rates other than by age or by smoking status.
darkangel218
(13,985 posts)That makes sense, but I bet it will anger a lot of people.
Yo_Mama
(8,303 posts)When they stop and think about it they'll understand why.
Th1onein
(8,514 posts)He's getting a more comprehensive plan, even without the maternity. And this is NOT an ACA plan. He hasn't even looked at the exchanges, so we're supposed to chalk this up to ACA? Sorry, not buying it.
ReverendDeuce
(1,643 posts)I've already said it over and over...
Th1onein
(8,514 posts)as ACA rates. You specifically said that you were providing PROOF of the rate increase in the ACA because no one believed anyone else when they posted about rate hikes. That is clearly an attempt to mislead people. Everything you say on the topic from here on out will be viewed with great skepticism.
ReverendDeuce
(1,643 posts)These ARE the ACA rates that Blue Cross is giving me! I have a 14-page booklet with ACA rates in them. The gold, the bronze, the silver, the works! All but the platinum, because Blue Cross is not going to offer a platinum plan in Nebraska.
How on earth is that misleading?
ACA demands different benefit structure, so Blue Cross is killing my current policy and replacing it with an ACA-compatible plan which costs more with a staggeringly ridiculous out-of-pocket maximum, copay, etc.
Misleading? How?
My rate/premium is going up because of the ACA.
Again: misleading in what way?
Th1onein
(8,514 posts)ACA requires. Stop splitting hairs. We're not stupid.
You keep saying that that are all the same, but you give no proof, and all the while you're claiming to be giving proof.
Sorry, doesn't wash.
ReverendDeuce
(1,643 posts)Christallmighty... I feel like I am dealing with the DU version of dittoheads...
Th1onein
(8,514 posts)But YOU are saying that you are providing proof of what you contend, in photos, while you are NOT doing that.
And, by the way, you have no need to insult me, or my intelligence. Keep it up and you will end up on my ignore list.
MattBaggins
(7,904 posts)bunnies
(15,859 posts)subterranean
(3,427 posts)The reference to the "ACA rate increase" in the heading might have been misleading. The OP blames the ACA for the insurance company discontinuing his old plan and putting him in a new one that, for his purposes, is less generous and more expensive than the previous plan.
WilliamPitt
(58,179 posts)I'd be doing fucking handsprings if my premium was $236.
PasadenaTrudy
(3,998 posts)bunnies
(15,859 posts)msanthrope
(37,549 posts)steve2470
(37,457 posts)And here I was feeling sorry for myself with 1181 per month. Per valuepenguin (since I can't get on healthcare.gov to compare yet), I can get better coverage for that price than what I have with Aetna right now.
msanthrope
(37,549 posts)dkf
(37,305 posts)msanthrope
(37,549 posts)Ms. Toad
(34,069 posts)If my daughter had to buy it on her own it would be around $1500 just for her.
Warren Stupidity
(48,181 posts)250 for an individual plan seems reasonable to me.
The Midway Rebel
(2,191 posts)Mental AND Dental AND Health for $236...that's a bargain.
WilliamPitt
(58,179 posts)SMH
Recursion
(56,582 posts)Though a good bit of that is subsidized by the trust fund.
Sparkly
(24,149 posts)My daughter pays the same for hers. Before Stinky got on Medicare, we were paying close to $30k per year just for premiums.
I don't qualify for a subsidy, but I'm hoping to find a cheaper plan through the exchange.
B Calm
(28,762 posts)Easy way to get information on your state's health insurance plans [View all]
http://www.valuepenguin.com/ppaca/exchanges
Go to the link above and click your state on the map.
gollygee
(22,336 posts)so these are two different plans. And there's all sorts of stuff for families and kids added.
grantcart
(53,061 posts)There is a huge difference in keeping your current plan (which is compliant with the ACA) and an ACA rate on an ACA plan.
Why don't you go the actual ACA site open an account and see what your rate and subsidy would be with an actual ACA plan?
4bucksagallon
(975 posts)When I quit a job back in '93 COBRA sent me estimates of over $500 a month for my insurance.
Wait Wut
(8,492 posts)My boss just found out he can save about $400/mo between himself and another employee if he gets off of BCBS. Same amount of coverage.
If you're not happy with the increase from BCBS, go shopping.
pacog
(8 posts)Just created this account to type this post. I'm an on and off poster since 2002.
If it's a bronze plan, your coinsurance cannot be more than 40%. I'd contact your insurance company for clarification. My company went from 80/20 to 70/30 and our cost went up 5 dollars per pay period.
If you read the fine print, I guarantee there're less exclusions compared to what you had before.
Sure you might not need maternity or pediatric dental but what if you have cancer down the road?
gopiscrap
(23,759 posts)Lars39
(26,109 posts)different insurance. You don't owe that company any loyalty.
ReverendDeuce
(1,643 posts)nt
Lars39
(26,109 posts)Pab Sungenis
(9,612 posts)You're complaining that your Nash Rambler is broken down and the Cadillac you're considering buying costs more.
Shop at the exchanges and see what you can get.
PasadenaTrudy
(3,998 posts)from Blue Shield. My current plan, that I pay for on my own, is going to be discontinued at the end of the year. In it's place, I'm being offered a Platinum plan for $9 less a month than I'm currently paying. I went on CoveredCa.com and did my research and it's a tiny bit cheaper. So, I'm getting more coverage and no deductibles for less $$.
ecstatic
(32,701 posts)And that was way before Barack Obama was a household name. Is this your first annual increase ever? Somehow I doubt that.
Marrah_G
(28,581 posts)Because what you posted is not "Obamacare"
Keefer
(713 posts)It is NOT Obamacare, but it is DUE to Obamacare. He is being forced to buy coverage he doesn't want: Maternity, Mental health care, pediatric dental, pediatric vision, etc. He is a single man with no children. Why does he need maternity care or any of those pediatric services? Obamacare mandates all insurance plans provide those coverage's. That's why his old plan is no longer offered; specifically because it DID NOT include those coverage's.
Marrah_G
(28,581 posts)By spreading it around to everyone it allows everyone to be covered. Everyone being able to see a doctor is important right?
BlueCheese
(2,522 posts)On the other hand, that means the argument should be, "Your rates are higher, but it's fairer." Not, "Your rates didn't go up."
subterranean
(3,427 posts)I remember your earlier post about this. You had an exceptionally great plan! No wonder you're upset.
I don't understand why the deductibles, OOP limits AND the premiums went up, just because the new plan covers a few more things.
This was probably mentioned in your other post, but have you looked at the plans and prices on the insurance exchange? I know the exchange in my state (Washington) offers better options than your "new plan," but I'm not sure about Nebraska.
Savannahmann
(3,891 posts)Many here ignore it, or miss it but I get it. You are saying you shopped and found a plan that met your needs, your individual need previously. However, now because of all the included mandatory coverage which you had opted out of in the old plan, your costs are going up significantly.
You said you were a single man in your 30's. You had decided previously that mental health was not an issue for you, so you opted out of that coverage. You are a man, and decided that maternity care, OB-GYN care, and screenings for Breast Cancer were not in your medical needs category, and opted out of those. So your cost was pretty low for a narrowly tailored plan to fit your specific needs. Had you needed more of the options, you would have paid more to get them.
Someone here used the car analogy, so I will too. You went to the dealer to get a new car. You decided on the Ford Fiesta, as it met your needs. You just wanted a basic car with nearly no options as you were looking for basic transportation.
Once there, the dealer told you that the base price of the car was $10,000, but once you added in the mandatory options, huge stereo with a half dozen speakers, chrome wheels, low profile tires, tinted windows, cruise control, LED accent lights, ski rack, the seven clear coat paint job, and the safe child 6000 car seat for your non existent toddler, the price was now $16,000. You argue that you didn't want those options, but the dealer informed you that those options were mandatory, the law requires that you have them.
Not a great analogy I admit, but it is what I think you're trying to say.
Demo_Chris
(6,234 posts)spanone
(135,831 posts)Agnosticsherbet
(11,619 posts)Or check out what you can get through .gov or the state site, if your state has one.
darkangel218
(13,985 posts)Your PRIVATE insurence ( NOT aquired through ACA ) is going up because you CHANGED PLANS. Nothing to do with the ACA! Who and why is making you change plans??
subterranean
(3,427 posts)Apparently they are discontinuing the other plan because it didn't include certain coverage mandated by the ACA. They sent him this letter saying, "Here's your new plan as of Jan. 1."
darkangel218
(13,985 posts)B2G
(9,766 posts)Read the damn ACA legislation. You are 100% incorrect.
No, don't give up. Some of us don't know all the details.
scheming daemons
(25,487 posts)You're blaming something on Obamacare that is NOT Obamacare!
B2G
(9,766 posts)This IS a result of the ACA.
ALL plans, private or exchange, are mandated to provide 10 'essential benefits', as referenced in the OP's pic. That means your former insurance plan that didn't cover these things now must. Your premiums are bound to go up as a result, along with everything else.
Love it or hate it, it's a direct result of the ACA.
So stop spouting disinformation by saying otherwise.
ProSense
(116,464 posts)The OP is completely misleading, and anyone pushing it as accurate doesn't know what the hell they're talking about.
No one is forcing the OP to keep that plan. He can shop the exchanges because the plan is not employer-based.
People can get better coverage on the exchange and still save hundreds or even thousands of dollars per year.
Rosa Luxemburg
(28,627 posts)B2G
(9,766 posts)When they are flat out wrong?
OK then. Got it.
stevenleser
(32,886 posts)- OP is not disclosing their income.
- OP is not disclosing the plans available to them in the exchange. We're supposed to take his say so.
- OP hasn't disclosed where they live.
dkf
(37,305 posts)Isn't that the deal? He gets to keep his doctor and his plan?
dkf
(37,305 posts)Might as well face it.
Marrah_G
(28,581 posts)Ohio Joe
(21,755 posts)I find that odd... Show one set of numbers but not the other... And be very mis-leading about what is being shown... I'm not buying it at all.
Marrah_G
(28,581 posts)Dark n Stormy Knight
(9,760 posts)kestrel91316
(51,666 posts)Skip Intro
(19,768 posts)Just sayin'
Puzzledtraveller
(5,937 posts)kestrel91316
(51,666 posts)policies, in spite of some fools liking/getting sucked into them.
I know you HATE that. You've made it abundantly clear with your frothing-at-the-mouth hatred of ACA.
Tough shit. It's the law of the land and it is a great and revolutionary law that benefits the ENTIRE nation as a whole. And you just can't stand that, can you? You hate the very idea of the social compact and you're going to scream and yell and have your tantrum until you pass out from lack of oxygen, aren't you?
Keefer
(713 posts)He is a MALE with no children. Why is he forced to buy maternity coverage and all the pediatric coverage? That is why his old policy is no longer offered. It didn't meet the minimum requirements to be included in policies offered by the ACA.
kestrel91316
(51,666 posts)But if he does choose to buy medical insurance, that policy WILL cover all HUMAN medical problems. As it should. And crappy policies that don't cover shit are now illegal, as they should be.
Besides, are you unaware that hermaphrodites and intersex persons exist, and there was no place for THEM at the table until now???????
Keefer
(713 posts)but he IS forced to buy health insurance, or pay a tax.
kestrel91316
(51,666 posts)That's pretty much a given. So tough shit.
And there are plenty of exemptions to that fine if he doesn't purchase, like true poverty, or recent job loss, or a few dozen other reasons. They are all plainly spelled out at healthcare.gov.
Keefer
(713 posts)You win. I lose. <YAWN?> Happy now?
kestrel91316
(51,666 posts)Seeking Serenity
(2,840 posts)Gawd, your attitude on this thread is sickening.
bettyellen
(47,209 posts)WTF makes you or him think he deserves a better deal than any woman on this board? He does not.
Seeking Serenity
(2,840 posts)Required by law to have it or pay a fine.
bettyellen
(47,209 posts)louslobbs
(3,232 posts)Why not just agree to disagree rather than trying to force your point of view on others. Is that the way you learned to have conversations and debates, if others don't finally see it your way, then you resort to name calling? Grow up. I guess you didn't much like the "slow kids" huh? Did you try your bullying tactics on them as well and find them easier marks than those of us on DU?
Lou
Orsino
(37,428 posts)B2G
(9,766 posts)A lot of us are in the same boat.
NMDemDist2
(49,313 posts)unless you have an employer helping you with the health savings accounts that are designed to go with it.
We have an HDHP plan and a health savings plan that goes along with it. it works for us since we have very little wrong with us (just 2 adults, no kids) and i'm watching that saving plan build and build so in case we every do get sick, all those deductibles are already in the bank.
those two plans are totally apples and oranges. i noticed last year was a HSA too so the insurance company has changed their HSA plan to only a HDHP or you are trying to pull a fast one.
Pab Sungenis
(9,612 posts)He's not shopped for the right policy.
Tarheel_Dem
(31,233 posts)SoCalDem
(103,856 posts)Looks like you had a pretty good bargain for a while...and the premium NOW (for what you get) is better than many..
It sucks sometimes to have to share the load, but sometimes we have to..
If your income is low, maybe you can do better in an exchange..
Including the deductible/premium your out of pocket total works out to $445.17 per month...maybe the exchange will be less.. most of the ones I have seen posted are less than that for SILVER... yours is Bronze.. and your age is on the low side for premiums..
Looks like the only thing that could hang you up, would be if your income were too high..
http://laborcenter.berkeley.edu/healthpolicy/calculator/
cui bono
(19,926 posts)and see what you get for the same price. Or see what the price is for the same coverage and deductible that you have on your current plan.
bravenak
(34,648 posts)It's time for you to give back. If you use your penis on a woman, you may get her pregnant. Women pay higher rates for your prostate and Viagra.
You obviously needed the extra coverage for mental health. I don't want you opting out and doing some wicked ass murders because you didn't have your zyprexa and had a psychotic break. Mental illness doesn't look at your health care plan before causing a psychotic break.
I don't believe that's a photo of your plan.
We need to all pay to cover the children now. They will have to pay our ss and Medicare one day.
Selfishness is not a democratic virtue.
kestrel91316
(51,666 posts)Whisp
(24,096 posts)DevonRex
(22,541 posts)B2G
(9,766 posts)DevonRex
(22,541 posts)The one you gave is great for listing the specific plans offered in each county in each state. Wonderful tool. But if you also want to know what your subsidy might be it will send you to the Kaiser site. You see, the Kaiser Family Foundation is a great foundation. They do good work.
Since my husband happens to be pretty high up in HHS, I've learned quite a bit about ACA and Kaiser and the exchanges. And why certain people keep insisting their ACA policy rates are higher than their "wonderful" old insurance plan that hardly cost anything at all. When in fact they haven't even shopped the exchanges yet. Or they're 27 and have no clue what their "old" policy covered because the most they ever had was a hangover, but they paid that $150 a month last year religiously and trusted that their employer and insurer would NEVER screw them.
Pab Sungenis
(9,612 posts)Subsidies will help those who can't afford to pay, and are used in the Kaiser calculator and not the Fed.
DevonRex
(22,541 posts)plans are offered. Use the Kaiser site to get a better estimate based on your family size, ages, smoking status and household income. All you do is go through the process on the government site, print out the companies who are participating in the exchange if that is something you wanted to know and then scroll UP to the shaded area at the top. Click on the link for the subsidy calculator. Kaiser asks more detailed information, but not your name or anything like that. Then it can calculate your subsidy amount and your estimated premium amount.
Your premium amount will be different from what the govt site had because it is specific for all those factors.
dionysus
(26,467 posts)care for a truffle? I got the goooood ones this time
DevonRex
(22,541 posts)burst as many propaganda bubbles as I can. I just can't keep up. Amazing all these supposed ACA policies that turn out not to be ACA at all and the posters haven't even bothered to see what the exchanges might do for them.
Or the ones who had supposedly wonderful plans that cost practically pennies until mean old Obama had to screw things up for them and make them buy maternity policies when they're strapping 25-year-old men whose wives would never ever get pregnant in a gazillion years!!!!!!!
I always want truffles.
kentuck
(111,092 posts)Is that the gold plan??
ReverendDeuce
(1,643 posts)nt
pnwmom
(108,977 posts)They've been eliminated completely as of January.
Your old plan also didn't cover "specialty drugs" -- i.e., the most expensive ones, like cancer drugs; or mental health care. Yes, I know, you plan to never need either; I hope you're right.
Niceguy1
(2,467 posts)To have coverage for stuff you don't want or need.
jbond56
(403 posts)kestrel91316
(51,666 posts)assume you have a regular paycheck that pays more than, say $25k/yr?
My last medical policy (you know, one of these fancy GROUP policies that are so fabulous) topped out with $500/mo premiums, $5000 or $7500 deductible, $10k out-of-pocket, 80/20 copay, and ZERO freebies (unlike the free preventive care and screenings we get now). At that point I couldn't afford both the premiums AND the uncovered medical care, lol. And yeah, as a woman on birth control for decades (which was never covered at all) I had to pay for a policy that covered pregnancy (which I never was going to use, I hate screaming babies).
You have a decent policy for a decent price. And so do millions more Americans. A rising tide floats all boats. Your taxes won't have to cover so many uninsured now.
dkf
(37,305 posts)It's not only the "freeloaders" they are targeting to pay more. How else can they make sure sicker and older people get coverage they can afford with no limit on their expenses to the plan?
It was always quite misleading to tell everyone they could keep their plan and their doctors, because they didn't add that it would possibly cost quite a bit more.
lumberjack_jeff
(33,224 posts)Is this an individual policy? If so, why aren't you shopping on the exchange?
Also, as a man, you should expect a 15% increase because of elimination of gender as a rating criteria.
Get a quote from the exchange and then get back to us. Until then, stop yanking our chains.
ReverendDeuce
(1,643 posts)nt
jbond56
(403 posts)Pab Sungenis
(9,612 posts)Won't back up his claim.
louslobbs
(3,232 posts)Lou
LeftyMom
(49,212 posts)And the same improvements in preventative care as everybody else.
But good job neglecting to mention the improvements that matter.
treestar
(82,383 posts)Isn't that allowed under the ACA? It says you don't have to change if you like your present plan.
ileus
(15,396 posts)Has anyone looked at the GD copay amount?
Talk about getting raped...
demwing
(16,916 posts)do you feel the same way about public schools? Should only the property tax of parents go toward our public schools?
demwing
(16,916 posts)have you tried the exchange?
could not resist
gulliver
(13,180 posts)Until I do, I'm going to have to assume this is just Joe Anonymous Internet being mistaken.
Hippo_Tron
(25,453 posts)But not with the fact that young healthy people have to subsidize older sicker people. One day we're going to be old and sick and somebody will be subsidizing us. It's how things work in a civilized compassionate society.
bettyellen
(47,209 posts)It is truly an expense that should be shared.
bettyellen
(47,209 posts)louslobbs
(3,232 posts)avail.
Lou
bettyellen
(47,209 posts)for a ful thirty years, coverage I KNEW I'd never use, it disturbs me how many men want to take a free ride, and stick their wives and sisters with the costs.
I don;t care if they were born in a barn, or just act like they were. It is SO wrong.
louslobbs
(3,232 posts)paying my fair share. I wear paying my taxes like a badge of honor........paying your fair share is for the greater good of society and community. Plus, it makes me feel good to know that I contribute to help educate our kids, pay my fair share for infrastructure repair and maintenance, and all of the other things our tax money goes toward. And if I have to pay a little extra to make sure others are able to afford health care services, I'm happy to do it, if taking a little more from my pay will prevent a child from going to bed hungry, take it. We're all in this together, that's what I was taught, and that's how I live my life. It's nice to be in the company of others, who not only think of themselves, but who also take the time to think of the needs of others. For the most part, that describes most of the people who lurk, or log into DU each day. A community of people, of which I'm proud to be a member. I just don't understand those who only think about taking.......and taking.......and then taking some more. It's good to know you bettyellen.
Lou
bettyellen
(47,209 posts)this rugged individualism trip people are on is a delusion. one caused by selfishness more than anything, I think.
good to know you too, Lou!
freshwest
(53,661 posts)louslobbs
(3,232 posts)Lou
stevenleser
(32,886 posts)You can tell us since its not your real name you are using anyway.
You are claiming the premiums are going up and you are evidently not getting any advantage from going to the exchanges, that means you don't get subsidies because your income exceeds 400% of the federal poverty level for an individual. In other words, you make in excess of $45,960.
If you don't live in NYC or San Francisco or Los Angeles, that money probably goes a long way. The ACA is aimed particularly at people who make less than 400% of the Federal poverty level who could not afford health insurance before now.
You can clearly afford it. I'm guessing you can afford to go up to a silver plan and get better coverage.
Turbineguy
(37,324 posts)We now have a high-deductible HSA at $782 per month. Our Insurer has us mapped over to a "Bronze" plan at $1013 per month. This is the plan they will put us in unless we choose differently.
This $1013 would however be reduced by the ACA subsidy which I can only estimate but looks to be around $900 per month. That would be a net premium of just over $100 per month!
If I go to a "Silver" plan the net premium comes out to just under $300 per month with a nice upgrade in bennies.
When you apply you have to enter your "modified gross income". It was explained to me that the subsidy goes directly against the gross premium, but any discrepancy shows up in next year's tax filing. You do not have to change your withholding status.
Even without the ACA our premiums probably would have gone to $950 or so per month under our old plan.
Lex
(34,108 posts)The OP refuses to elaborate on what his subsidy would be.
Turbineguy
(37,324 posts)Last year the premium rose 16%.
SolutionisSolidarity
(606 posts)Last edited Thu Oct 10, 2013, 11:24 PM - Edit history (1)
That's a small price to pay considering in your previous plan there was nothing to stop your insurer from rescinding your policy as soon as you actually got sick. By the way, Democrats tend to think that reproductive services and basic child care ought to be covered by the healthcare system without being a cost adder. We don't like people falling through the cracks, which is why I pay for unemployment benefits even though I have a job. And I pay taxes to the fire department even though my house isn't currently on fire. Crazy, I know.
edit: left out the word "ought".
hedgehog
(36,286 posts)"That's a small price to pay considering in your previous plan there was nothing to stop your insurer from rescinding your policy as soon as you actually got sick."
"I pay for unemployment benefits even though I have a job. And I pay taxes to the fire department even though my house isn't currently on fire. Crazy, I know."
Skip Intro
(19,768 posts)A majority of Americans live payday to payday. The cavalier suggestion that many of them should just accept a new hardship because the government has determined they "can afford it" is chilling.
Btw, the law doesn't help me either:
http://www.democraticunderground.com/10023787462
SolutionisSolidarity
(606 posts)But then, you do seem to know a lot about bullshit. My parents paid 1600 a month for the state emergency plan that was set up to take people who were rejected by insurers, and that barely covered anything. If you want to fight to preserve that status quo, then you don't belong on this website.
Edit: Of course, they only needed that plan because my dad suffered a series of mini-strokes that left him less than fully productive at work. He was layed off, as a result of his injury, and unable to get future work because of his injury, and therefore lost his workplace insurance. It was at this point that he was forcibly retired, and this 1600/month came directly out of his retirement savings. Great system you want to bring back.
Skip Intro
(19,768 posts)You bash people who are barely getting by and dismiss our real-life stories - mocking us, showing no compassion, no, er, solidarity, and then purport to tell us we don't belong on this website if we say anything about the situation?
ha!
HangOnKids
(4,291 posts)It is bed time have another story to share ?
Rex
(65,616 posts)Ikonoklast
(23,973 posts)And they are fooling no one, yet once again.
They deserve to be mocked.
stevenleser
(32,886 posts)I think there is a solution.
That is different from the OP who makes over $46,000 per year.
Rex
(65,616 posts)Some here just want to shout.
Roselma
(540 posts)a different policy. You should check out the ACA exchange in your state.
ileus
(15,396 posts)to ever see the true worth of only having to pay 50% of your bill up to 7000.
If you're single and healthy you'd be much better off telling them to stuff it and paying the penalty and then 100%.
bettyellen
(47,209 posts)ileus
(15,396 posts)The obvious reason for such crappy and expensive insurance is to get the employees to drop out.
If we didn't have public employees insurance I'm sure that's what my hospital would do.
bettyellen
(47,209 posts)Ian David
(69,059 posts)Next, you're going to tell me that if I upgrade my cable package from "Rainbow" to "Rainbow Gold," it will cost me more money!
darkangel218
(13,985 posts)ACA aparently mandates certain benefits to be included in all policies.
lostincalifornia
(3,639 posts)channels of garbage
NOTE: this is an independent comment, and not meant to reflect anything about the current thread, just about cable, satellite, etc.
moriah
(8,311 posts).... but HSA plans are designed to be supplemented by contributions to an HSA, ideally enough to meet your deductible at least, more if you could do it. If you'd been contributing enough to put your $1500 deductible away every year, that'd be $283 you were budgeting for your health care for a month. Most people don't supplement them with an HSA, though - skating by on a cheap plan as long as they're healthy and not saving for when they aren't. With catastrophic expenses covered, all a person really has to save for is their yearly out of pocket expenses with modern HSAs.
There's a Silver plan for about $300 in Nebraska that has copays instead of needing to exhaust your deductible before seeing your PCP, the ER, an urgent care clinic, or using a prescription. The deductible is high, but most people never touch it under those plans. There's another Bronze plan about the same price as the $2500 HDHP they're trying to transition you to that has a $4500 deductible, but has two PCP visits at a $60 copay a year without having to touch the deductible, as well as ER and urgent care copays that do not touch the deductible. The only prescriptions that go into the deductible are forumulary brand-name drugs or specialty drugs. Both have a $6350 out of pocket maximum so cover you for catastrophic coverage, costs that theoretically no longer need to be taken into account for your health savings goals.
-----
I don't deny that healthy single people who are making more money than average are taking a hit here. When I was advocating for this legislation, I expected my group policy rate to go up quite a bit, like it had done every year prior. Sadly, I don't get to complain about that increase, because I lost my job for being sick too much.
I have to say, though, I have far more sympathy for the people trying to support a family on the incomes that the single people would be making to be over 400% of the poverty line, though. They're being told their insurance is "affordable" if only the worker's premium is 9.5% of their income, not their family -- so don't qualify for subsidies even though their household incomes are well under 250%.
Not saying I don't feel for you. I just feel for people trying to support kids on what I used to make (which would have put me over 400%) and insure them as well, and kind of feel for them more. Again, I mean no offense, and people shouldn't say you are lying.
salin
(48,955 posts)as a single 30 something female, in 1998, to self insure with Blue Cross Blue Shield cost $500 a month. No health issues at the time - no factors leading to the high monthly cost. I don't recall the deductible or copay. Am guessing that the deductible was around 1,000. I avoided getting health care, for fear of being given something that would later be deemed as a preexisting condition - because if my base (healthy) cost was $500 a month ($11000 a year), and I wasn't earning more than $35,000) - I was exceptionally fearful of how the cost would rise. Yes - pre taxes, I paid nearly 1/3 of my salary to self-insure since I didn't have employee based health care. You read correctly, pre-taxes I lived on 24k (much less after taxes.) This why there are so many uninsured today - rates kept increasing, inflation kept increasing, but due to two financial recessions, wages did not keep up.
It is all perspective - a year - after nearly 15 yrs of skyrocketing healthcare costs, seems to me a bargain per self-insuring. I would have assumed (per my rate in 1998) that the rate would have been close to $750 or more. Even at your stated rate that is nearly $260 less a month than I paid for basic coverage.
The difference is the depressed wages. In 1998, to a single person earning 35K - I would suggest saving the difference each month to build a cushion. That is much harder to do today. That said - I get the high burden (per the deductable and copay) - however, I wanted to add perspective on the monthly rate per what it was 1.5 decade ago.
Drew Richards
(1,558 posts)You know what i find funny? Since you wont tell us the full truth i went and plugged in 1 adult non smoker 30 years old 60k_70a year in state of wv...
You know what i got back? A bronze plan for $175 or a silver plan for 177 a month better plan than yours too...so basically you are bitching because your CURRENT premium plan is going up because of ACA trying to ensure more people. Boo freeking hoo even 246 a month for your plan is pretty damn good...but even with no subsidy the ACA plans...according to the hff.org calculator are $70 less a month than your new plan...they nearly match the cost of you old plan...
So...i call bullshit nice attempt at obscuring the truth with half truths and disinformation....
Wanna proven me wrong?
WE would all love to see it...gives us the details required to run the calculation ourselves....
How old 30 ok
2014 yearly salary ____
What state and zip_______
1 adult
No children
No company plan..
Non smoker right? Or that jacks premium up 50%....
But i fear you wont bother....oh by the way mr 30 year old poor exploited human....according to the calculator you would have to be making between 60- $70000 a year to put you in the same $2500 silver bracket and premium that you new insurance will cost....and i submit..at 30 years old and 60- $70000 a year salary...you can afford a piddly $70 dollar increase over your old policy...
This OP is bullshit crying over a $70 dollar increase? Cry me a fuckin river.
markpkessinger
(8,395 posts). . . his deductible rose by $1,000, and his maximum out-of-pocket increased fourfold.
pacog
(8 posts)[link:|
samsingh
(17,595 posts)the titles are clear.
TeamPooka
(24,223 posts)ReverendDeuce
(1,643 posts)I had first class treatment all the way around and my total out of pocket was $1,500. I hit my deductible and that was it. No guff from anyone over prescriptions, physical therapy, etc.
The next year my rate went up about $10/mo, the lowest increase ever.
Under the ACA-compatible plan I'm being forced into, I'd have paid $6,350.
Recursion
(56,582 posts)As a low-risk, low-usage person you got much cheaper premiums than a lot of people, for years. Congratulations. Now as part of paying for the fact that insurers won't be able to deny coverage to already-sick people, you have to pay more.
ReverendDeuce
(1,643 posts)Foolishness. Utter foolishness.
uppityperson
(115,677 posts)over the last 4 yrs with deductible and copays increasing every year, as did it for my friends and family. For us, it went from around $200 to $550 a month.
Insurance rates always go up, or rather HAVE always gone up.
I am sorry yours will do so again this next year. Ours are going wayyyyyyyyyyyy down, thanks to the ACA.
BlueStreak
(8,377 posts)but in general, the insurance companies are using the launch of the exchanges as an opportunity to push through huge price increases. And for those who are not getting much of a subsidy (or no subsidy at all) this really sucks.
The argument was that the exchanges would force companies to compete. While that may be happening in s a few places, it appears that the more common outcome is that the companies are raising their prices to match the subsidies.
So let's identifiy the winners and losers
Winner: Anybody who gains coverage due to Medicare expansion
Loser: Anybody whose income is too low to qualify for a subsidy, but has the misfortune of living in a Red state that isn't expanding Medicaid
Winner: People who are getting the big subsidies that bring their net cost down to $0 - $500 a month
Loser: anybody who has to buy their own insurance, but doesn't get much of a subsidy
Not affected (directly): People who are on Medicare and people who are covered by employer group policies.
There are quite a few people at DU who seem to have no concern for the losers in this game. I will give them the benefit of the doubt and assume they are just really ignorant, although they seem an awful lot like Republicans to me.
uppityperson
(115,677 posts)that my insurance more than doubled over the last 4 years. I NEVER had a time when my insurance rates went down, even when benefits decreased except once when I went from "omg how the hell did I get that, too bad no one locally will take it" insurance while an employee to buying my own as self employed. Then it went down, but every year before that (as an employee) the premiums went up and every year after (self employed) premiums went up.
As far as your "seem an awful lot like Republicans to me", the only negative thing I've seen here is skepticism about some quotes. I have seen a lot of DUers being concerned for people who are in those Red states and screwn.
Puzzledtraveller
(5,937 posts)Tax returns, what is in your fridge and whether you have cable television and air conditioning.
Ikonoklast
(23,973 posts)Of course, anyone with an even passing acquaintance with your posting history would dismiss this out-if-hand as...questionable.
But keep trying, it's amusing.
Capt. Obvious
(9,002 posts)That should cover it.
BainsBane
(53,032 posts)There is no comparison between that and the kind of policies offered under ACA. Typically those who select ACAs are young people who rarely need medical care.
uponit7771
(90,335 posts)...The exchange will be no better or worse, I would like to SEE that it would be no better or worse.
You should not be asking people to take your word for it, regardless of how credible you are, on this subject seeing the amount of FUD that has been thrown at the subject from the detractors.
Regards
ScreamingMeemie
(68,918 posts)Print screens are rather easy to do. Since the OP is unwilling to do this, while being perfectly able to do the much harder take a shot and upload...welll.... I call BS now.
http://pulse.ncpolicywatch.org/2013/10/14/heres-how-to-respond-to-those-nc-blue-cross-letters-telling-people-their-health-insurance-plan-cost-is-skyrocketing/
Especially when stories like this are coming out this week.
Rex
(65,616 posts)ReverendDeuce
(1,643 posts)Because that's all the proof you need to see.
rdharma
(6,057 posts)ReverendDeuce
(1,643 posts)I've already said that I'm not going to provide my income information. I do not qualify for a subsidy.
I've also already said I am a single male in my mid 30s living in Nebraska.
patricia92243
(12,595 posts)ReverendDeuce
(1,643 posts)n/t
man4allcats
(4,026 posts)Of course you'll have to first convince President Obama and Congress, but the solution is called single payer, aka Medicare For All.
ReverendDeuce
(1,643 posts)nt
LiberalAndProud
(12,799 posts)I notice that dental is now included in the plan. That insurance company has changed its policy package and blamed it on the ACA. People can choose to disbelieve, but that company is replacing its current policies with higher premium, higher deductible plans. They directly blame Obamacare in their correspondence. I think its blatant opportunism and the company should be sanctioned.
BlueStreak
(8,377 posts)The introduction of the exchanges has created a giant fog that is allowing the insurance companies to run wild. It will be years before any of them can be prosecuted.
ScreamingMeemie
(68,918 posts)I also noticed, while I was shopping the marketplace website, BC/BS has a smaller pool of participating doctors (at least in Houston) than Aetna and Humana...and even Molina.
democrattotheend
(11,605 posts)Men play an equal role in creating babies, so why should women alone shoulder the cost of insuring for it?
That said, as a late 20-something I understand your frustration. People between 26 and probably mid-thirties are getting kind of a raw deal because our premiums are going up in order to lower them for people our parents' age. But if the ACA stays in effect, we'll eventually benefit from that when we are older and younger people are paying more to keep our premiums lower. I don't love the part of the ACA that says that insurance companies can't charge older people more than 3x what they charge younger people, but I can understand why it's there, even if it means that insurance costs go up for people our age.
davidn3600
(6,342 posts)He'd be paying for something he could never possibly use and never possibly benefit from.
democrattotheend
(11,605 posts)Otherwise, whether he marries or wants children or not, he still has as much potential to accidentally father a child as a woman has of accidentally getting pregnant. Therefore he ought to share in the cost of insuring for pregnancy. If anything, men should pay a greater share of the insurance for maternity coverage, since men can father children when they are as old as 70, while most women over 50 cannot get pregnant.
MADem
(135,425 posts)and wipe his ass in the nursing home.
Good grief, no man--or woman--is an island. At some point in time, that childless man is going to have to rely on people younger than he is to maintain a decent Quality of Life in old age. He's paying a few bucks for those people to be born.
It's an INVESTMENT in a comfortable old age.
renie408
(9,854 posts)L0oniX
(31,493 posts)snooper2
(30,151 posts)And there isn't one single music video!
WTH is going on around here!
I have to fix everything
Sunlei
(22,651 posts)Roland99
(53,342 posts)And for that $75/mo more you have much more coverage included (dental, vision, etc.)
Myrina
(12,296 posts).... the "Anthem Bronze" individual plan would be $230/mo for me (not bad but) .... a $6,000 deductible and a 60% co-pay. There's no way in HELL I am buying this, since, short of getting hit by a bus & having a heart attack, a coma and organ failure all at the same time, I'm never going to come near that deductible.
Oh, and I don't need maternity or pediatric dental, either.
Just