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(1,110 posts)
30. Most of us will be better off with it than without it
Wed Jul 17, 2013, 11:17 AM
Jul 2013

Right now, many people do not have insurance through their company and they cannot afford decent individual plans. Even if the companies get off the hook for the next year, at least now individuals can get their health insurance purchases subsidized. So now those making only 8.50/hr would only have to pay like $50-60/mo for decent insurance that won't fuck them over due to preexisting conditions (or other shit) That same person would qualify for medicaid if they had children. Also, if a single person was making the federal minimum wage, they would qualify for medicaid even if they do not have kids.

Even though I won't qualify for any subsidies (at least not at this current moment, but what will happen in the future) and my premiums will be slightly higher (based on the calculators I've seen), the plans are slightly better than what I currently have AND there will be laws that prevent insurance companies from denying coverage for preexisting conditions or raising rates past a certain level. Where as right this moment, if I was to get very sick, I'd be at the mercy of the insurance company. At least the health care laws make it so that no matter what, I should be able to afford insurance no matter what my health condition is (even if the premiums do go up a couple hundred dollars more, at least I'd have insurance and that's cheaper than paying $100,000 out of pocket)

Also, the more healthy people who buy insurance, the lower the premiums... At least in theory.

I mean, that's my understanding of how it's all supposed to work. If I'm wrong about anything, I'd like to hear about how and why.

Obamacare penalties spawn 'skinny' plans [View all] Freddie Stubbs Jul 2013 OP
Another shoe drops. GeorgeGist Jul 2013 #1
What could possibly go wrong? Hydra Jul 2013 #2
Big monied companies...hammer...chisel... SoapBox Jul 2013 #3
If it's in Politico it must be true, huh? tularetom Jul 2013 #4
Some employees don't want christx30 Jul 2013 #11
Unfortunately it is true... matthews Jul 2013 #15
Feds provide 'skinny' option to employees too. elleng Jul 2013 #5
Obama won't enforce the mandate on large companies. loudsue Jul 2013 #6
+1 n/t NealK Jul 2013 #18
Couldn't the employees EC Jul 2013 #7
Yes, and doing so will raise the rates of said company's skinny plan due to the shrinking pool. tridim Jul 2013 #8
I'm in the same boat as you... penultimate Jul 2013 #27
Obamacare is such a fraud. Only thing he cares about is protecting the 1%. forestpath Jul 2013 #9
No and No. tridim Jul 2013 #17
Most of us will be better off with it than without it penultimate Jul 2013 #30
Really? Laelth Jul 2013 #10
there are rules, but they have been waived (for one year) Doctor_J Jul 2013 #12
I was aware that the employer coverage requirement was waived for a year. Laelth Jul 2013 #14
What? progressoid Jul 2013 #13
ROFL! SoapBox Jul 2013 #16
This has been a trend for years anyway. Lasher Jul 2013 #19
Keep your employees on part time status so you don't have to pay the employer portion of payroll tax progree Jul 2013 #20
You're right, I don't know what the hell I was thinking. Lasher Jul 2013 #26
State minimume coverage. penndragon69 Jul 2013 #21
Health insurance =/= healthcare. ForgoTheConsequence Jul 2013 #22
There's plenty of posters on DU that "don't get it" either n/t Fumesucker Jul 2013 #25
I'm sorry we're not rich enough. Fearless Jul 2013 #23
Yes, the ACA that we got area51 Jul 2013 #24
leave it to ERISA Industry Committee to exploit any loopholes they can to screw workers. Sunlei Jul 2013 #28
If there was only a way people could of seen this coming... Safetykitten Jul 2013 #29
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