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Political Talk
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Old 10-29-2013, 05:44 PM   #61
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Are you telling me that your health insurance has gone up at the same rate (8 years vs the last 2?) If you say yes, then you are completely full of sh!t.
That's exactly what I'm telling you bro. In fact my health insurance didn't even go up this year, u mad? Do you even give your employees health insurance bro?


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Old 10-29-2013, 05:58 PM   #62
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What you are seeing is preemptive on the parts of employers, doctors, hospitals, and insurance companies. They are cancelling their plans and dropping doctors in order to prepare for the ACA going in full swing.

Kelly explains it pretty well (with Obama video.)
http://www.foxnews.com/on-air/the-ke...=2694949842001

The "acme" plan Obama talks about is the catastrophic plan, the plan that most uninsured would be getting...a lower cost plan that covers a healthy person just in case something happens. This is for college students, young adults, etc.
Again, I'm not in favor of mandated health insurance.
But, if you're going to mandate it, not set a minimum standard is an open invitation for loopholes, no?
Insurers would offer a $5/month plan, which covers nothing, and you're compliant. You now have insurance.

That guy in the video should wear his tin foil hat. I don't think this was deliberately planned. I think this was typical implementation by government employee: not well thought out.
So, if you catastrophic coverage plan is cancelled, and your insurer doesn't offer something reasonable (that meets minimum requirements), you can still get one in the Obama exchange, right?
How bad are the rates there?
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Old 10-29-2013, 06:05 PM   #63
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Again, I'm not in favor of mandated health insurance.
But, if you're going to mandate it, not set a minimum standard is an open invitation for loopholes, no?
Insurers would offer a $5/month plan, which covers nothing, and you're compliant. You now have insurance.

That guy in the video should wear his tin foil hat. I don't think this was deliberately planned. I think this was typical implementation by government employee: not well thought out.
So, if you catastrophic coverage plan is cancelled, and your insurer doesn't offer something reasonable (that meets minimum requirements), you can still get one in the Obama exchange, right?
How bad are the rates there?
The rates on the exchange are pretty bad. They are in the $250-450 range depending on state. As for your first part, yes the $5 plan would be a loophole but the "minimum" you speak of should have been the catastrophic plan. That's where people get in trouble and in debt, when they have something they need a hospital for. Checkups and a few prescriptions can be paid out of pocket by most working folks. What reason is there for a healthy kid or a healthy teen or a healthy twenty something to have full insurance? The ONLY explanation for all this that makes any sense is that for the ACA to function, these people need to pay through the nose to take care of everyone else. It is a system designed to run one way and one way only.


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Old 10-29-2013, 06:10 PM   #64
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Does anyone know what the tax breaks will look like?
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If you ever want to see what I mean by the arbitrariness of categories, check the situation of polarized politics. The next time a Martian visits earth, try to explain to him to why those who favor allowing capital punishment also oppose the elimination of a fetus in the mother's womb.
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Old 10-29-2013, 06:17 PM   #65
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MSNBC was blasting ACA on the news today about premiums being dropped.
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Old 10-29-2013, 07:02 PM   #66
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We have a group health plan through work that covers me and my wife and then buy separate individual insurance for my son, since it saves us like $300 a month doing it that way.

We recently got the letter from Providence telling us that my son's individual plan is going away and being replaced by a new plan to conform with the ACA stuff. Same price, but deductible is double, max out of pocket is triple, prescription copay is double, urgent care co-pay goes from $20 to $65, emergency room visits go from $250 co-pay to $250 plus 40% of the rest of his emergency bill. Totally messed up. But at least his insurance will cover him if he needs to get an abortion, so he has that going for him.
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Old 10-29-2013, 09:03 PM   #67
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We have a group health plan through work that covers me and my wife and then buy separate individual insurance for my son, since it saves us like $300 a month doing it that way.

We recently got the letter from Providence telling us that my son's individual plan is going away and being replaced by a new plan to conform with the ACA stuff. Same price, but deductible is double, max out of pocket is triple, prescription copay is double, urgent care co-pay goes from $20 to $65, emergency room visits go from $250 co-pay to $250 plus 40% of the rest of his emergency bill. Totally messed up. But at least his insurance will cover him if he needs to get an abortion, so he has that going for him.
Ah finally, someone who understands. The very small amount of people that claim "my premiums are unchanged" are just looking at the monthly cost, but ignoring everything else that you mentioned. Deductibles going through the roof, co pays, etc. Affordable care act...HA, comedy gold.
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Old 10-29-2013, 09:07 PM   #68
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Does anyone know what the tax breaks will look like?
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Old 10-29-2013, 09:19 PM   #69
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Ah finally, someone who understands. The very small amount of people that claim "my premiums are unchanged" are just looking at the monthly cost, but ignoring everything else that you mentioned. Deductibles going through the roof, co pays, etc. Affordable care act...HA, comedy gold.
My deductible has not changed either.

The only that irritates me is that it was expected that people would see the chopping block and the ball was dropped with regards to the marketplace.
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Old 10-29-2013, 09:46 PM   #70
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Old 10-29-2013, 10:21 PM   #71
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Does anyone know what the tax breaks will look like?
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Tax breaks? I know of no breaks. There are more taxes, such as employer taxes, the cadillac plan tax. taxes on those making more than $200k, and the medical device tax. Most of the above are causing premiums are going up (and/or benefits to go down, which is still a step backwards IMO).

There are tax credits for people who can't afford insurance. Is that what you mean by a break?
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Old 10-29-2013, 10:49 PM   #72
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Tax breaks? I know of no breaks. There are more taxes, such as employer taxes, the cadillac plan tax. taxes on those making more than $200k, and the medical device tax. Most of the above are causing premiums are going up (and/or benefits to go down, which is still a step backwards IMO).

There are tax credits for people who can't afford insurance. Is that what you mean by a break?
OK.
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If you ever want to see what I mean by the arbitrariness of categories, check the situation of polarized politics. The next time a Martian visits earth, try to explain to him to why those who favor allowing capital punishment also oppose the elimination of a fetus in the mother's womb.
Congratulations.
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Old 10-30-2013, 07:06 AM   #73
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Old 10-30-2013, 07:51 AM   #74
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If you ever want to see what I mean by the arbitrariness of categories, check the situation of polarized politics. The next time a Martian visits earth, try to explain to him to why those who favor allowing capital punishment also oppose the elimination of a fetus in the mother's womb.
Congratulations.
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Old 10-30-2013, 04:40 PM   #75
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quote worthy.
Anyone care to explain this chart?

NB: I'm not in favor of mandated health care insurance.
I think that the only insurance that we should tolerate being mandated is auto insurance. That's because it's to protect the other party, the one that you hit, and not yourself.
I think that all other insurance that don't protect the other party should be optional.
That said, let's not blame the government with nonsense, bs arguments.
ACA did not impose extra taxes on insurers, to be passed on to insured.
Yes, if ACA imposed that insurance policies must extend their coverage, meaning covering health issues that aren't covered today, then I can see how that would increase premiums for all. But did that really happen? I don't think so.
I understood what the ACA mandated was that everybody must have coverage (not increased coverage). That mandate means forcing more people into the pool. More customers in the pool would lower the premiums, unless you can show that the people forced into the pool are somehow less healthy than the ones in the pool.
Many previous policies did not meet the Obamacare restrictions, therefore people were either dropped or their premiums increased due to adding more coverage based on ACA minimum coverage. Did you relize that you need to be covered for substance abuse, mental care and prenatal care regardless of age or sex? This is one of the criteria outlined in the ACA.
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Old 10-30-2013, 04:48 PM   #76
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Mine has actually gone up less this year compared to last year and the year prior

This year it was 52/mo and next year it's 58/mo. Stop the presses?
Is that an increase of $52/mo and $58/mo, or is that your monthly cost for health insurance?

The cheapest plans for a single I've heard of is around $250/mo.
A family plan is around $560/mo.
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Old 10-30-2013, 04:52 PM   #77
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Is that an increase of $52/mo and $58/mo, or is that your monthly cost for health insurance?

The cheapest plans for a single I've heard of is around $250/mo.
A family plan is around $560/mo.
No, that's my actual premium that I pay. My employer pays a separate portion, of course.

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Originally Posted by bb bmw
Did you relize that you need to be covered for substance abuse, mental care and prenatal care regardless of age or sex?
I'm fairly sure that most insurance policies prior to ACA did this exact same thing....at least with group policies provided by employers. Not sure about private policies since I've never had to purchase one.
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Old 10-30-2013, 06:55 PM   #78
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No, that's my actual premium that I pay. My employer pays a separate portion, of course.



I'm fairly sure that most insurance policies prior to ACA did this exact same thing....at least with group policies provided by employers. Not sure about private policies since I've never had to purchase one.
LOL at slipping in the fact that your employer pays a "portion." Question - do you know what portion they paid in each of the years you've worked there? Think maybe your employer has picked most or all of the increase during those years?

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Old 10-30-2013, 07:09 PM   #79
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OK.
Ok what? What tax breaks are you talking about? Corporate tax breaks? Whatever they recieve now, the breaks are going down. And it appears to be getting passed through, straight to the consumer.

BTW, where did your "6% affected negatively by PPACA" information come from?
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Old 10-30-2013, 07:16 PM   #80
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Ok what? What tax breaks are you talking about? Corporate tax breaks? Whatever they recieve now, the breaks are going down. And it appears to be getting passed through, straight to the consumer.

BTW, where did your "6% affected negatively by PPACA" information come from?
NPR.

They don't have Rush, so you've probably never heard of it.

Do you really not know about the tax breaks?

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But that's the magic of President Obama. He can turn Republicans against tax breaks or subsidies for the poor and the middle class, if they were ever for them in the first place.

On October 1, up to 26 million Americans will begin to find out that they are eligible for subsidies through the Affordable Care Act. Many, if not most, Americans have no idea that these tax credits are heading to all legal residents who earn up to 400 percent of the poverty level, up to $45,960 a year for a family of one.
http://www.nationalmemo.com/obamacar...-middle-class/
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If you ever want to see what I mean by the arbitrariness of categories, check the situation of polarized politics. The next time a Martian visits earth, try to explain to him to why those who favor allowing capital punishment also oppose the elimination of a fetus in the mother's womb.
Congratulations.

Last edited by Lair; 10-30-2013 at 07:18 PM.
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