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grantcart

(53,061 posts)
73. AZ
Fri Oct 11, 2013, 01:01 PM
Oct 2013

I went up to a gold plan to get "no deductible" and will pay $ 444.


You are suggesting that you will be paying a subsidized premium for a plan that carries no deductible - and that 40 million others will be able to do the same?


never said that



It would be nice if you would realize that your situation, as happy as it is, does not carry more weight than those who are saying their situation is not as rosy under the ACA.



Here is what I said:



http://www.democraticunderground.com/10023777148

Some here have health insurance and don't realize what it is like to go a decade without access to good care when you have a serious problem (and this was after I had very high level PPO plans for 20 years but lost it when I got sick).

I know that there will still be some for who this plan isn't going to deliver as much help as they need.

But, at least in my case, it was a much much better plan than I think even the more optimistic of us thought. If the shutdown is concluded and I can get back to work I will be able to finish the year at a level that may make them take back the subsidy and that would make me very happy but I was stunned to see how big the subsidy was based on last year's numbers.

This is going to be a major improvement in a lot of peoples lives and that is why the Republicans are trying so hard to sabotage it.



You seem to be particularly concerned about the level of the deductible, which isn't that big an issue for me. I was expecting a substantial deductible.

Tens of millions are going to get a better health insurance deal than they now have. That is a 'peachy' deal.
i put insurance companies in the same categories as banks: datasuspect Oct 2013 #1
And have peace of mind that you aren't on the hook for all costs boston bean Oct 2013 #2
bankruptcies cost 1000 datasuspect Oct 2013 #10
Medical costs can be that tipping point. mwooldri Oct 2013 #27
But now we're mandated to contribute to their lobbying funds. Nuclear Unicorn Oct 2013 #9
Here is an unbiased opinion from a health insurance broker(me) fitman Oct 2013 #29
When the government PATRICK Oct 2013 #3
Show us your bank account, tax returns, otherwise your post is bunk Puzzledtraveller Oct 2013 #4
It gets me in the door. And that is a start. ScreamingMeemie Oct 2013 #5
But some others are being shown the door. Nuclear Unicorn Oct 2013 #11
You are misunderstanding me. My other thread sank but... 204/115 is my typical ScreamingMeemie Oct 2013 #12
i really hope it all works out for you datasuspect Oct 2013 #13
Thank you data. I've gone from "getting my affairs in order" ScreamingMeemie Oct 2013 #15
Keep fighting the good fight. Win, lose or draw it reveals courage and faith. Nuclear Unicorn Oct 2013 #64
I'm not begrudging you in the least Nuclear Unicorn Oct 2013 #14
yeah ur right MFM008 Oct 2013 #53
I don't disagree alcibiades_mystery Oct 2013 #6
the ACA as presently configured is of no use to me. KG Oct 2013 #7
This message was self-deleted by its author ann--- Oct 2013 #30
its feeling more and more like the "modernization" of pensions to 401Ks did.... tillikum Oct 2013 #8
This is not unique to ACA Capt. Obvious Oct 2013 #16
i understand and you are correct, but now one is mandated to buy it. boston bean Oct 2013 #17
I think everyone knows the ACA's not "optimal" Lex Oct 2013 #21
This has been the law of the land in my state for 7(ish?) years now Capt. Obvious Oct 2013 #22
I don't mind the law, I mind the plan. boston bean Oct 2013 #24
That's the price of bringing the "uninsurable" on board, extending maternity and... Barack_America Oct 2013 #18
No kidding. Public option is by far the better choice - TBF Oct 2013 #19
I agree single payer is needed, but .... moriah Oct 2013 #20
It's the lab costs. Hundred out of pocket for each.... boston bean Oct 2013 #23
Now, those were covered under preventative for me. moriah Oct 2013 #25
I have been researching this and the plans that popped up on my account ScreamingMeemie Oct 2013 #26
Lab costs are heavily inflated. mwooldri Oct 2013 #31
No doubt they're inflated. moriah Oct 2013 #36
http://www.directlabs.com/ lunasun Oct 2013 #82
That's paying for privacy and skipping the doctor altogether. mwooldri Oct 2013 #84
Your post excellently highlights how complicated the insurance issue can be. n/t PoliticAverse Oct 2013 #35
Obamacare: is a $2,000 deductible "affordable"? antigop Oct 2013 #28
Not to many, BUT Rstrstx Oct 2013 #75
did you read the article AND my post? Max out of pocket $6400 for individual. antigop Oct 2013 #81
They need to scrap the individual mandate. Without the ability to walk away the consumer cannot... JVS Oct 2013 #32
Sorry, adverse selection would destroy access to medical care. jeff47 Oct 2013 #44
The mandate needs to go because without the ability to say no, there is no cost control. JVS Oct 2013 #46
Again, no mandate means no cost sharing, which means no insurance for anyone. jeff47 Oct 2013 #47
They shouldn't have created a mandate until they got costs in line. JVS Oct 2013 #48
Once again, no mandate means that can not happen. jeff47 Oct 2013 #54
Bullshit. And I don't care what happens to the health insurance companies. They're the problem. JVS Oct 2013 #55
Not bullshit. Reality jeff47 Oct 2013 #57
this isn't about access to medical care datasuspect Oct 2013 #63
And that purchase provides access to medical care. jeff47 Oct 2013 #66
from what i've been able to gather datasuspect Oct 2013 #68
That's because a lot of the people complaining about deductibles jeff47 Oct 2013 #71
lol garbage. I am mandated to pay taxes. grantcart Oct 2013 #33
Very good for you. That is not how it will work for many people. boston bean Oct 2013 #38
You just have a peachy deal enlightenment Oct 2013 #56
Everyone who has my income gets a 'peachy deal grantcart Oct 2013 #61
I think you're wrong about the numbers. enlightenment Oct 2013 #69
AZ grantcart Oct 2013 #73
I was responding to your last post, not the one prior to that. enlightenment Oct 2013 #76
^^^this^^^ malokvale77 Oct 2013 #85
yes,we need single payer & deductibles stink. actual medical costs/rx drugs are still to high. Sunlei Oct 2013 #34
Not really. It just means that insurers and hospitals get their money and you don't make a mess. JVS Oct 2013 #50
people will use their wellness exams. insurance companies & hospitals will price gouge each other. Sunlei Oct 2013 #70
My company offers ONLY high-deductible.. sendero Oct 2013 #37
Well, I agree with you in some ways. boston bean Oct 2013 #39
"stop making everything a blank check to the consumer" NoOneMan Oct 2013 #41
With single payer... sendero Oct 2013 #42
Sorry, but it's actually illegal for Medicare to negotiate prices. jeff47 Oct 2013 #45
Well.. sendero Oct 2013 #58
Apparently you don't work in the accounting part of the industry. jeff47 Oct 2013 #59
He's likely referring to the prescription plan, which is barred from negotiating or dictating. Warren Stupidity Oct 2013 #89
There's not that many medical procedures that are ~fun~ to have done Fumesucker Oct 2013 #87
Well... sendero Oct 2013 #93
Odd how they don't have that problem in Canada Fumesucker Oct 2013 #94
You don't really know WHAT they.. sendero Oct 2013 #96
Oh yes, anyone in America can ~demand~ a CAT scan and get it immediately.. Fumesucker Oct 2013 #98
Health care is not a discretionary consumer purchase. Warren Stupidity Oct 2013 #88
On its face.. sendero Oct 2013 #95
Even the plural of anecdote does not mean data Fumesucker Oct 2013 #97
The purpose of deductibles and copays is to make poor people stay home NoOneMan Oct 2013 #40
Copays and deductibles.. sendero Oct 2013 #43
They should certainly not exist in an egalitarian system NoOneMan Oct 2013 #49
That's how the American system works. Those on the bottom support and Egalitarian Thug Oct 2013 #65
Bingo! Puzzledtraveller Oct 2013 #78
Message auto-removed Name removed Oct 2013 #51
Medicare for all is catchy and familiar branding but I'm not sure it should be a goal TheKentuckian Oct 2013 #60
Remember, the ACA was written by INSURANCE EXECUTIVES, not the Democratic Party Xithras Oct 2013 #52
i honestly didn't want to believe this is the case datasuspect Oct 2013 #62
+1 historylovr Oct 2013 #79
Senator Max Baucus Received More Campaign Money from Insurance Industry...(Democracy Now) solarhydrocan Oct 2013 #86
Not accurate ProSense Oct 2013 #67
agreed - we really need a single payer system 0rganism Oct 2013 #72
I'd love to see some standardization with ACA posts, discussing rates wercal Oct 2013 #74
"Medical Bankruptcy" is a term that is virtually UNKNOWN in civilized countries, bvar22 Oct 2013 #77
A large fraction of medical bankruptcies today... BlueCheese Oct 2013 #92
K & R historylovr Oct 2013 #80
I don't see where it can be much better short of single payer. tapermaker Oct 2013 #83
+1 Matariki Oct 2013 #90
You don't get hosed by ACA munster69 Oct 2013 #91
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