polarisrider1
New member
Currenty paying $12,000 per year for health care with $5200 deductable per person per year with 80/20 no vision or dental. And only customary charges. It can only get better for me.
Affordable Healthcare Starts Jan 1 2014
- Thread starter whitedust
- Start date
I'm in the same boat as you, PR
What i find humorous is how the Obama administration is saying how insurance premiums will go down, yet, the pricing is not set yet, so how can they say it will go down?
I just picked up health insurance at my new job, 600 bucks a month. My wife got a newsletter from her employer that the current insurance that they offer, Dean Care HMO, will be going UP 23-25 percent for 2014! And the new tax to help pay for the AHCA will be included in the rates. Guess what? The insurance I just picked up is Dean Care. Sweeeet! More money to spend. Not. So, we will be looking at different options, higher deductible for starters.
Every time I think of the fact that congress and the POTUS exempted themselves from this new law, just brings my blood to a boil.
I just picked up health insurance at my new job, 600 bucks a month. My wife got a newsletter from her employer that the current insurance that they offer, Dean Care HMO, will be going UP 23-25 percent for 2014! And the new tax to help pay for the AHCA will be included in the rates. Guess what? The insurance I just picked up is Dean Care. Sweeeet! More money to spend. Not. So, we will be looking at different options, higher deductible for starters.
Every time I think of the fact that congress and the POTUS exempted themselves from this new law, just brings my blood to a boil.
The scariest part of the whole thing, is how it is being funded, by the government.
The are COUNTING on younger, healthy individuals to sign up. Just listen to the politicians babble, even they are saying it will be a colosal financialy failure if they don't reach the "Invinsible" crowd of younger people to buy something they probably won't get any benefit from for many many years, unless they have a catastrophic health problem. A lot of people in their 20's are willing to take the no insurance risk. I would have.
Oh, and lets hope they are truely ready on Tuesday. Being in the IT world for a major Dental Insurance company in WI, let's just say there is some serious overtime being put in on this one.
The are COUNTING on younger, healthy individuals to sign up. Just listen to the politicians babble, even they are saying it will be a colosal financialy failure if they don't reach the "Invinsible" crowd of younger people to buy something they probably won't get any benefit from for many many years, unless they have a catastrophic health problem. A lot of people in their 20's are willing to take the no insurance risk. I would have.
Oh, and lets hope they are truely ready on Tuesday. Being in the IT world for a major Dental Insurance company in WI, let's just say there is some serious overtime being put in on this one.
You need to be careful with this idea. You snowmobile right? Well the insurance/government can decide that is dangerous and raise your rates based on that. Doesn't matter if you are considered healthy. Right now they can't do that but they have been trying for years with motorcycle and snowmobile riders. If we allow this to keep going this way we will end up not being able to get any insurance at all. It all starts with one thing you think is good and gets turned on you. Just ask your agent why they grade you on your credit report, which has nothing to do with insurance in my mind.
I am hoping that my employer doesn't force us to this new healthcare as they have been talking about it. I am single but I ride snowmobile, ATV, and motorcycles. All high risk activities according to insurance companies. I hope this turns out way better then it is looking.
Hopefully this thread will make us start looking at the costs and what options we will have in the coming year. I know it has for me,
Dana
My ski bud has a nice business and payed for his employees insurance for the most part. He also payed into a fund that covered the deductible. He put 5,000 into that fund per person and each individual could add 2,000 his employees other then the 2,000 very rarely incurred any other expense. Oh now he can only fund 2,000 per employee and they can add something not sure how much but something like 1/2. In the end his employees lose.
Also when you join the exchange you do not pick your DR. Who will it be?
If you look into other country's that have systems like this it does not stack up to our system. Many come to the USA to get timely quality treatment. Yes we could use some work on what we had but not what we are getting.
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+1 on this!
Also when you join the exchange you do not pick your DR. Who will it be?
If you look into other country's that have systems like this it does not stack up to our system. Many come to the USA to get timely quality treatment. Yes we could use some work on what we had but not what we are getting.
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+1 on this!
Wait, wait , wait...What? This is private insurance. The deal was that some of the bad stuff in our insurance (pre-exisiting conditions, lifetime max caps, under 26 year old children in school) would become illegal (yea!). The insurance companies are betting that of the 50 million uninsured people that enough of them will sign up to add new business to them to cover these costs...it's the risk pool. It is still private insurance, the insured still pays for it. The government is not managing the risk. The government is underwriting the cost of the insurance for people under a certain income level.
The pricing we are about to see on Oct 1 is from private insurers who will be trying to sign up as many of these 50 million potential new customers as they can. I bet the pricing is gonna be pretty good at the start.
Skylar-I'm guessing that the administration is probably in close contact with the insurance companies as this progresses. Also, the Kaiser foundation has been doing a lot of work on this. Their estimate for my insurance is that it will go down another $200 per month, that means in the last two months I will see my costs decline by $1100 per month, or $13,200 per year. I dunno, taking politics out of this, I'm kinda happy.
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They didn't.
http://maddowblog.msnbc.com/_news/2013/08/14/20021898-congress-isnt-exempt-from-obamacare?lite
http://www.usnews.com/opinion/blogs...ie-that-obamacare-exempts-members-of-congress
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Yes, you do get to pick your doctor. The exchange is NOT government insurance. It is a marketplace where the consumer can shop across multiple private insurers to buy insurance. There are two key ingredients to the exchange. One is that the rates are based on the group, which is very large (mitigating the risk pool). That is a huge advantage to me buying insurance in a group of 1 (me). The second key point is that the only way you can get gov't subsidies is under the exchange.
It is not government insurance. It's the same insurance companies offering plans that have your doctor in them.
There really are no other countries that do this. Other countries have either gone to single payer (gov't pays) or single provider (gov't care). This is multiple payer/multiple provider just like now. It's private insurance. Just like now. If we're lucky, it will be cheaper.
I think risky jobs & activities went the way of pre-exisiting conditions ,illegal now, companies have to insure everyone no matter the type of job or health history.....this is a good thing as it stands today. Now your employer might not hire you because your are involved in risky activities but try & prove that one in court! I had a friend that trimmed trees ,was a climber, no way he could get afforable healthcare insurance stopped trying AHC should help him big time.
D
Deleted member 10829
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chords
Active member
There will be 10 benefits all policys must offer. So I read that to mean all plans identical at a minimum - then maybe add on coverage to get an edge on the market. . The cost, deductibles..... are what will be different.
I sure hope everyone receives an Obamanual. The IRS has no problem finding my mailbox. But suspect 50 million of us will be relying on a maze of media and hearsay.
I sure hope everyone receives an Obamanual. The IRS has no problem finding my mailbox. But suspect 50 million of us will be relying on a maze of media and hearsay.
but the IRS is having a bit of a problem keeping track $67millon bucks in indirect Affordable Care Act costs incurred for fiscal years 2010 through 2012.
I am sure when my audit comes around they will be completely understanding if I cant produce receipts for say $670 bucks.
this population control pile is corrupt from start to finish
I am sure when my audit comes around they will be completely understanding if I cant produce receipts for say $670 bucks.
this population control pile is corrupt from start to finish
rocketman356
New member
My question to Obummer is ,,,,,where is my waiver as you dold out to all your cronies,,,,,anyway check out Operation Opt Out
Um, yeah, private insurance companies. There is a little thing called "reimbursement" that our "We the people" government is paying those wonderful insurance companies.
How in the world do you think they can offer rates cheaper than before? Because WE are subsidizing those rates through government reimbursements. I just finished putting this in place for my employer over the past few months.
Heres the bottom line guys, were stuck with abomination regardless of what happens from here out.
Heres the next thing that going to happen, maybe next year or 5 years from now, the ACA will be a line item on your W2's. The government will just take it like they do fed taxes, fica, and medicare.
There is no way this is going to work, there is to many unanswered question and I honestly think they are just winging as they go and hope it just doesn't implode in the first months.
I'm union, and we just signed a 6 year agreement and my premiums shot threw the roof and my deductibles have sky rocketed.
Heres the next thing that going to happen, maybe next year or 5 years from now, the ACA will be a line item on your W2's. The government will just take it like they do fed taxes, fica, and medicare.
There is no way this is going to work, there is to many unanswered question and I honestly think they are just winging as they go and hope it just doesn't implode in the first months.
I'm union, and we just signed a 6 year agreement and my premiums shot threw the roof and my deductibles have sky rocketed.
anonomoose
New member
While the pre-existing condition thing...lose job, can't get insurance issue is a good one, as well as the job or risky business thing sending premiums thru the roof, is a good thing.... what I am really wondering is who is going to chase after the 37 million Americans that pay no taxes, and who doesn't file and won't get insurance but will still go to the hospital when they get into a shoot out on the street?
Threats of penalties won't do a thing to change that one.
Threats of penalties won't do a thing to change that one.
Remember before getting excited about some story by 2 of the non ivestagating outlets aka adminastrations head parots . The adminastration did for some odd reason repeal the law that banned propaganda on us . http://newmediajournal.us/indx.php/item/9930
Yeah I know crazy must of been just some old outdated law kinda like our constitution