General Discussion

sharp_stick

(14,400 posts)

5. How is your employer

Mon Oct 7, 2013, 02:05 PM

Oct 2013

based healthcare part of the ACA?

Maybe take a look at the exchanges and see if you can do better than your job is giving you.

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174 replies

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Our new huge insurance deductable, not good. [View all] edhopper Oct 2013 OP

can you not get healthcare handmade34 Oct 2013 #1

No subsidy if you are eligible for an employer sponsored plan. wercal Oct 2013 #6

I guess states are different handmade34 Oct 2013 #14

This message was self-deleted by its author lostincalifornia Oct 2013 #18

The ACA was written to prevent people who are already insured from entering the exchanges wercal Oct 2013 #42

This message was self-deleted by its author lostincalifornia Oct 2013 #49

Well here is my original statement wercal Oct 2013 #51

This message was self-deleted by its author lostincalifornia Oct 2013 #66

But it's defined - 9.5% of income for the wage earner Yo_Mama Oct 2013 #156

Let me rephrase that wercal Oct 2013 #31

This message was self-deleted by its author lostincalifornia Oct 2013 #16

You don't get the same choice everybody else does wercal Oct 2013 #35

This message was self-deleted by its author lostincalifornia Oct 2013 #50

You can get a subsidy *if*.... Roland99 Oct 2013 #22

The employer sponsored plan also must SheilaT Oct 2013 #70

Sorry DUers But my Rates are EXPLODING under Obama care. It really hurts in the pocket book. Bo Oct 2013 #130

BUT you have a maximum out of pocket... VanillaRhapsody Oct 2013 #2

Not saying it doen't help edhopper Oct 2013 #27

If its helping...its not hurting you... VanillaRhapsody Oct 2013 #44

It will probably be a edhopper Oct 2013 #79

Its a "net benefit" to you too... VanillaRhapsody Oct 2013 #81

As a bystander - you should be more calm in this situation. You aren't coming off very well. DireStrike Oct 2013 #117

He or she cannot afford not to... VanillaRhapsody Oct 2013 #134

The sticker shock is going to hurt a lot more people, I'm afraid. duffyduff Oct 2013 #143

So what you are saying is you don't have coverage through ACA, but you are blaming ACA. stevenleser Oct 2013 #3

Exactly. HuckleB Oct 2013 #33

This is the PRIME opportunity for employers to radically downgrade the coverage they give to their stillwaiting Oct 2013 #37

This might well be true edhopper Oct 2013 #38

that is EXACTLY what you are doing... VanillaRhapsody Oct 2013 #45

You will be able to tell if your employer is cheapening out on your W-2 Trekologer Oct 2013 #67

LIke I said before I will pay more and get less under the new Obama Care Bo Oct 2013 #131

Companies will eventually force our elected officials to put in loopholes so they can gut their duffyduff Oct 2013 #144

this is happening all over the place lanlady Oct 2013 #172

+1 000 000 000 kestrel91316 Oct 2013 #72

This..... sobenji Oct 2013 #115

All policies are now regulated by the ACA...please read on... Barack_America Oct 2013 #153

"All policies are now regulated by the ACA" seems a huge stretch. stevenleser Oct 2013 #154

I'm not sure what you think I'm implying. Barack_America Oct 2013 #158

You don't go on the exchanges if you've got employer insurance already frazzled Oct 2013 #4

This message was self-deleted by its author lostincalifornia Oct 2013 #19

Yes, but it is unlikely to benefit anyone with employer-offered insurance frazzled Oct 2013 #29

This message was self-deleted by its author lostincalifornia Oct 2013 #56

Well then the exchange is the place to go frazzled Oct 2013 #68

This message was self-deleted by its author lostincalifornia Oct 2013 #76

are you sure about that? Pretzel_Warrior Oct 2013 #32

This message was self-deleted by its author lostincalifornia Oct 2013 #57

Not true leftstreet Oct 2013 #54

This message was self-deleted by its author lostincalifornia Oct 2013 #58

Yes it does leftstreet Oct 2013 #65

This message was self-deleted by its author lostincalifornia Oct 2013 #69

No subsidies, as has been pointed out to you leftstreet Oct 2013 #78

How is your employer sharp_stick Oct 2013 #5

The OP can't shop on the exchanges wercal Oct 2013 #8

Ah OK sharp_stick Oct 2013 #9

This message was self-deleted by its author lostincalifornia Oct 2013 #53

Ok, once again, here is my original statement: wercal Oct 2013 #84

This message was self-deleted by its author lostincalifornia Oct 2013 #116

There are many mandated coverages that are new, and yes, the costs for many plans are more Yo_Mama Oct 2013 #157

What does your employer based insurance have to do with the ACA? Capt. Obvious Oct 2013 #7

The major changes I have seen that affect all insurance: wercal Oct 2013 #10

Those are big fucking deals Capt. Obvious Oct 2013 #13

+1 HuckleB Oct 2013 #34

I don't know anything about the OP's insurance wercal Oct 2013 #41

The problem that you discuss isn't that the working 18 year old is hedgehog Oct 2013 #60

So do you see a world where nobody enters the workforce until age 26 coming in the future? wercal Oct 2013 #86

No - but the context implies that the child of the middle class office worker was going to school on hedgehog Oct 2013 #90

Can't afford/Don't want to go/Doesn't do well with academics, whatever wercal Oct 2013 #97

By the same token, why are the women in your company buying Viagra for the men, hedgehog Oct 2013 #107

None of the examples you cite involve somebody flat out being subsidized 100% wercal Oct 2013 #110

Coverage of children til age 26 not 25. That extra year matters to a lot of us. canoeist52 Oct 2013 #17

OK I meant 25 y/o were covered. wercal Oct 2013 #26

Plus VanillaRhapsody Oct 2013 #46

How is your employer based insurance under ACA? sinkingfeeling Oct 2013 #11

Many plans charge only a $20 or $25 copay for in-network office visits Nye Bevan Oct 2013 #12

The deductible only kicks in for me in the case of major medical care, which I haven't needed. bluestate10 Oct 2013 #137

This message was self-deleted by its author lostincalifornia Oct 2013 #15

my thought too handmade34 Oct 2013 #20

This message was self-deleted by its author lostincalifornia Oct 2013 #23

Vermont is a mess handmade34 Oct 2013 #40

This message was self-deleted by its author lostincalifornia Oct 2013 #74

There is a glitch with that in some cases Mojorabbit Oct 2013 #61

This message was self-deleted by its author lostincalifornia Oct 2013 #21

Your rates and premiums are not impacted by the ACA. riqster Oct 2013 #24

There is a big donut hole JPZenger Oct 2013 #25

My point is that if you are not buying insurance on tbe exchanges, riqster Oct 2013 #28

There are aspects of ACA that affect everyone's premium wercal Oct 2013 #43

And wrong to assert they exist while not listing any. nt gulliver Oct 2013 #145

I've polluted this thread with wercal Oct 2013 #146

Well I do see a lot of assertions repeated. gulliver Oct 2013 #147

There are 10 essential benefits necessary to every plan that only half used to cover. dkf Oct 2013 #123

This is deliberately mis-leading, and should be edited, You are blaming th ACA for your employer's Ikonoklast Oct 2013 #30

The NY State Exchanges edhopper Oct 2013 #36

The exchange is for people who ProSense Oct 2013 #39

This message was self-deleted by its author lostincalifornia Oct 2013 #55

If an employer doesn't pay a portion, it's ProSense Oct 2013 #64

This message was self-deleted by its author lostincalifornia Oct 2013 #73

I am sure that you would be the one best qualified to answer this but grantcart Oct 2013 #48

Lol! PotatoChip Oct 2013 #96

Oh! edhopper Oct 2013 #104

I am sure that you noticed changes in your employer's plans every year before ACA. grantcart Oct 2013 #47

Where did you get these numbers from? Motown_Johnny Oct 2013 #52

Bronze, Silver, Gold is ACA. Lex Oct 2013 #59

This new deductible is something your employer insurance decided to do-- pnwmom Oct 2013 #62

That may be so, but . . . markpkessinger Oct 2013 #77

By 2018 many employers will have to make adjustments leftstreet Oct 2013 #83

And these new, higher deductibles . . . markpkessinger Oct 2013 #85

Oh yeah leftstreet Oct 2013 #103

wrong. you are plain wrong. MANNNNNY companies--even big companies have been moving Pretzel_Warrior Oct 2013 #91

And many employers have NOT gone to such high deductibles . . . markpkessinger Oct 2013 #92

no. it is your supposition. Some large employers offer multiple levels of insurance Pretzel_Warrior Oct 2013 #94

So my insurance edhopper Oct 2013 #95

your company is competing with other companies in the total compensation they offer--not exchanges Pretzel_Warrior Oct 2013 #98

I still support the ACA overall edhopper Oct 2013 #102

I understand. That is why we must PUSH our Dems to make what would seem like radical Pretzel_Warrior Oct 2013 #105

Medicare for all edhopper Oct 2013 #108

If the ACA limits profits, then there really isn't any greed Travis_0004 Oct 2013 #151

The reality of the matter pnwmom Oct 2013 #138

I am certain we will hear plenty of anecdotes from people who had a better hedgehog Oct 2013 #63

Is the cost over 9-1/2% of your household income? If so you can use the exchanges. nt DevonRex Oct 2013 #71

My overall costs will exceed that edhopper Oct 2013 #89

I have a furloughed federal employee working on this right now. DevonRex Oct 2013 #113

Thanks for the offer edhopper Oct 2013 #126

"What if I have job-based Insurance?" DevonRex Oct 2013 #132

Not true. The 9.5% applies to the employee alone. Barack_America Oct 2013 #152

Your employer changed the plan karynnj Oct 2013 #75

Employer ACA changes won't kick in til 2018 leftstreet Oct 2013 #80

? DireStrike Oct 2013 #119

I didn't post to 'counter' the statement leftstreet Oct 2013 #120

Understood. -nt- DireStrike Oct 2013 #121

Yes. Sounds like the employer purposely shifted to a lower level plan, for example a Bronze bluestate10 Oct 2013 #139

Even before ACA started, many companies moved in this direction karynnj Oct 2013 #168

You can think that a major accident or illness is not going to bankrupt you Warpy Oct 2013 #82

That's all well and good, but . . . markpkessinger Oct 2013 #122

if all else fails, contact the manufacturer directly Warpy Oct 2013 #125

Health insurance is all about risk estimation. bluestate10 Oct 2013 #140

Unfortunately, it's people 50 and up who will likely have to choose it Warpy Oct 2013 #149

This message was self-deleted by its author CreekDog Oct 2013 #87

EDIT YOUR POST! You've been corrected by many in the thread Pretzel_Warrior Oct 2013 #88

done edhopper Oct 2013 #93

thank you Pretzel_Warrior Oct 2013 #101

Sorry to hear this Puzzledtraveller Oct 2013 #99

You have to ask yourself whether your deductibles would have gone up anyway. JDPriestly Oct 2013 #100

Probably some edhopper Oct 2013 #106

Mine went up by a lot too, and Social Security has not gone up commensurately. JDPriestly Oct 2013 #112

ALL. You company made a decision to have you foot the more of bill for your health care. bluestate10 Oct 2013 #142

Health insurance companies suck. Laelth Oct 2013 #109

I'm waiting to hear from my company. SlipperySlope Oct 2013 #111

Are greedy companies playing into the hands of Single Payer? Blue Idaho Oct 2013 #114

Do you have a union? Any leverage with your employer? DireStrike Oct 2013 #118

No I don't edhopper Oct 2013 #129

That happened to us last year BEFORE the ACA. haele Oct 2013 #124

You can think what we all think--it's a lousy plan and the best we could expect Warpy Oct 2013 #127

I am in the same boat. MadrasT Oct 2013 #128

I've never heard of $900/YR DEDUCTIBLE. our family deductible has always been 3-6,000 barbiegeek Oct 2013 #133

Well, I've registered 3 times, with my 3 different emails (home, work and kid's) Myrina Oct 2013 #135

Blame your employer. The employer is shifting more of the cost of your health insurance bluestate10 Oct 2013 #136

Exactly! mimi85 Oct 2013 #141

This is not always true. Travis_0004 Oct 2013 #155

Well it looks like you've taken a leap of logic on this one. gulliver Oct 2013 #148

it will be edhopper Oct 2013 #150

Ed, perhaps, you can arrange a compromise with your employer. JNinWB Oct 2013 #160

My insurance premiums AND deductibles have been jumping every year Lex Oct 2013 #161

so you had your deductible edhopper Oct 2013 #162

Yes over the course of a few years. Now my deductible is 5K. Lex Oct 2013 #163

wow edhopper Oct 2013 #165

In 2008, I paid $210 a month for 3 people, and had a deductable of $2500. haele Oct 2013 #164

our plan edhopper Oct 2013 #166

Sounds like your plan is a catastrophic plan or a "health coupon" plan like they advertise on TV. haele Oct 2013 #170

If it's "employer-based," it's NOT "Obamacare"…! regnaD kciN Oct 2013 #159

My deductible went up from $3K annually to aznativ Oct 2013 #167

You would still likely pay more in taxes for Single Payer than you are paying now. cbdo2007 Oct 2013 #169

Premuim plus deductible plus copay = edhopper Oct 2013 #173

emploers getting shittier plans has nothing to do with the ACA. i just came from a company dionysus Oct 2013 #171

We need SINGLE PAYER...NOW! Mellow Drama Oct 2013 #174