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In reply to the discussion: Our new huge insurance deductable, not good. [View all]wercal
(1,370 posts)35. You don't get the same choice everybody else does
You will only be eligible for a subsidy to the extent that your own portion of the premiums exceeds 9.5% of income. So your eligibility for subsidy is radically reduced out of the gate, by what your company already subsidizes your insurance. For most people (myself included) your eligibility for a subsidy will be effectively zero, if your company already sponsors a plan.
This is an intentional feature, to prevent a wave of people, who are already covered, from getting the public subsidy.
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The ACA was written to prevent people who are already insured from entering the exchanges
wercal
Oct 2013
#42
Sorry DUers But my Rates are EXPLODING under Obama care. It really hurts in the pocket book.
Bo
Oct 2013
#130
As a bystander - you should be more calm in this situation. You aren't coming off very well.
DireStrike
Oct 2013
#117
So what you are saying is you don't have coverage through ACA, but you are blaming ACA.
stevenleser
Oct 2013
#3
This is the PRIME opportunity for employers to radically downgrade the coverage they give to their
stillwaiting
Oct 2013
#37
Companies will eventually force our elected officials to put in loopholes so they can gut their
duffyduff
Oct 2013
#144
There are many mandated coverages that are new, and yes, the costs for many plans are more
Yo_Mama
Oct 2013
#157
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
By the same token, why are the women in your company buying Viagra for the men,
hedgehog
Oct 2013
#107
Coverage of children til age 26 not 25. That extra year matters to a lot of us.
canoeist52
Oct 2013
#17
The deductible only kicks in for me in the case of major medical care, which I haven't needed.
bluestate10
Oct 2013
#137
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
I am sure that you noticed changes in your employer's plans every year before ACA.
grantcart
Oct 2013
#47
wrong. you are plain wrong. MANNNNNY companies--even big companies have been moving
Pretzel_Warrior
Oct 2013
#91
no. it is your supposition. Some large employers offer multiple levels of insurance
Pretzel_Warrior
Oct 2013
#94
your company is competing with other companies in the total compensation they offer--not exchanges
Pretzel_Warrior
Oct 2013
#98
I understand. That is why we must PUSH our Dems to make what would seem like radical
Pretzel_Warrior
Oct 2013
#105
Is the cost over 9-1/2% of your household income? If so you can use the exchanges. nt
DevonRex
Oct 2013
#71
Yes. Sounds like the employer purposely shifted to a lower level plan, for example a Bronze
bluestate10
Oct 2013
#139
You have to ask yourself whether your deductibles would have gone up anyway.
JDPriestly
Oct 2013
#100
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
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
Sounds like your plan is a catastrophic plan or a "health coupon" plan like they advertise on TV.
haele
Oct 2013
#170
You would still likely pay more in taxes for Single Payer than you are paying now.
cbdo2007
Oct 2013
#169
emploers getting shittier plans has nothing to do with the ACA. i just came from a company
dionysus
Oct 2013
#171