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In reply to the discussion: Our new huge insurance deductable, not good. [View all]wercal
(1,370 posts)42. The ACA was written to prevent people who are already insured from entering the exchanges
In order to qualify for the subsidy, your premiums through your employer sponsored plans have to exceed 9.5% of your income...that's where the scale starts.
So take an uninsured person making $50k...the exchanges put his annual premium at $6,000. That's 12% of his income, and he can expect to get subsidized $1,250 and pay out $4,750.
Now take the same person, except he is already insured through his employer. They split the premium 50/50, or he currently pays out $3,000. That is less than 9.5% of income, so he gets no subsidy. He will be required to pay full cost, or $6,000....or double, by switching from employer sponsored to exchange.
The vast majority of people who are currently insured will fall into this zone.
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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