Affordable Care Act MY ASS
(media.greatawakening.win)
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Just cancelled our medical/dental and vision insurance. Family of 3 (1 is a toddler). We were paying 400$ per month for the policies. Forget it. Ill save 400$ per month and use it in an emergency to the Urgent Care. Last doctor visit was a 120$ visit to Urgent Care for a UTI like a year ago SO. Yeah. Bye. Don’t need no insurance. Cheaper anyways to pay out of pocket - they can cut you discounts and write off a lot more expenses. Insurance doesn’t allow certain write offs, they want to make sure the policy owner is paying their share.
I work in insurance so yeah 🤷🏼♀️
Good idea i should crunch the numbers behind dropping care.
Do iiiit leave the systeeem 👍🏻
Health insurance pays the crooks at the hospitals who are killing and maiming our loved ones!!
Also, for anyone with a job that offers an HSA, add to that while you’re employed. The money doesn’t expire and if you don’t use it, you can withdraw for retirement just like another 401k.
There’s tax benefits too.
If I get fired for any upcoming mandate crap, I’ll have a cushion for medical emergencies.
Just the like how the Federal Reserve Act created a private corporation that is Not Federal and holds nothing in Reserve, the "Affordable Care" Act is more properly named the Unaffordable Uncare Act, i.e. it is the opposite of what it says it is in every sense. Most of our Laws are.
It's time to expose it all and burn it to the ground.
Your annual all in is the price of a good midsize SUV with premium package.
So if you hit your deductible, it's like you bought a new car in that year.
And for that you can pay annual premiums that would net you another basic /mid range package for the same SUV identified by your deductible.
Basically, if you pay the premiums you bought 1 car in that year; if you also hit your deductible, you bought 2 cars in 1 year.
They are not deductibles anymore. You pay 20% of those procedures until you reach your deductible... Per calendar year.
Premium is high because income is high and family.
That's the base premium. I purposely put in that I make a million per year so that I'd see the true numbers.
But with that aside, are you actually DEFENDING these numbers?
Do you think it's acceptable for health insurance premiums to be like this?
No. They're not doable. At all.
I was just explaining the mechanics of the switch away from deductibles, where you pay in full for procedures until you reach your deductible. Now it's 20% of procedures until you reach your deductible, then you pay nothing. You also have an out-of-pocket maximum for the year.
That's all.
In defense of the ACA, it doesn't specify who it's affordable for.
It is certainly affordable to some, just not us working folk
Hmm, $41k just for health insurance.
Oh yeah, no problem... I'll just cash in one of my bitcoins LOL
Looking for new health insurance, so I hit up HealthSherpa, and these are the LOWEST PREMIUM exchange plans in southern New Mexico.
$3320 PER MONTH for shit health insurance. I thought it was maybe a location-specific thing, so I also checked a few other zip codes in other states - the lowest premium I could find was $1965/mo for a Blue Cross plan in Huntsville, TX.
What do you guys think of this?
Enroll in a catastrophic plan, use GoodRx (there are many others) to mitigate prescription costs, create a savings account (or HSA) to handle copays or full cost of office visits/labs.
In the event of hospitalization, medical procedure or surgery you can negotiate with the hospital.
A hospital cannot deny treatment in an emergency. Again u can negotiate payments.
If you or your family members have chronic illnesses and have expensive medications, reach out to the manufactures of these meds, they typically have assistance programs.
Hope this helps
Thanks, fren but I don't need "help"... I'm mad as hell that we're all expected to pay $3,320 per month for health insurance, while about 50 miles away, tens of thousands of illegals are waltzing across the border and getting free everything.
I understand, I was just letting you know not to pay that and clearly you will not. Our healthcare industry is upside down because not to long ago our government knew the only way to truly control us was through healthcare. At one point it was the 6th largest Industry in the US. Money, power and control. They have effectively taken your healthcare and converted it to future government parasites that will vote for more government.
Hear, hear!
Is this in pesos? Even then it might be too much
Not that I want to excuse Obama and his administration, but I just want to remind everyone that overpriced healthcare has been a problem for several decades, and Republicans also never do shit about it. All they did when ACA was being drafted was run around like Steve fucking Ballmer screaming 'death panels'
So tired of people acting like health care wasn't a problem until Obama appeared. It was, which is why ACA got any traction to begin with.
To be clear, healthcare became expensive when government got involved (auto insurance still cheap). Government stifled competition (zero cross state options), mandated services and so much more. The key here is competition, there is very little competition anymore.
I agree, Republicans didn't do shit, and we all know what the Democrats were up to.
They also stifled competition by limiting the number of doctors through the medical school system, control that was later codified in law as being antitrust-exempt. And lots of other ways.
Government did become involved with auto insurance. It's required by law in just about every state. When you have to buy it, they can charge far more than they would otherwise be able to if they had to sell it on its own merits.
You are correct, but the tentacles go far deeper with health insurance than it does with auto insurance.
I’ve never seen $3300 health care pre Obama. Healthcare wasn’t so overpriced before him, I will tell you that.
We're not discussing health CARE, we're discussing health INSURANCE.
ACA got traction because a communist president convinced millions of brainless millennials that they shouldn't have to spend their own money on health care because it was a "basic human right".
Suddenly became not a human right for median income working people. Not eligible for subsidies over a certain annual income and if your work provides heath coverage.
When work provides the heath coverage and it's $1800 per month but the ACA coverage is just as much that then median income families end up not being able to afford it.
Can't wait till front line doctors opens their doors! Hopefully they will not use the insurance industry.
A pretty good value considering you will only owe 99% of your bills after you pay that amount.
our insurance went to 1300ish - 2 people 650/per.
Is that before or after the "assistance" from the government?
eh i have a business insurance though an insurance broker, so just me and the wife on it, works out is a ppo and i could go cheap but hey i suck at insurance. i never want "assistance" tbh bc someone is paying. i am paying back my ppp loan bc it is the right thing to do /shrug.
Yep, thank God, my husband and I qualify for medicare next year. We have to sign up in Dec 2022. We're paying over $3000/month right now. Thank-you fucking Hussein
what the fuck man $3000 a year......
I wish it was $3000/year! Happy though for you if that’s what you pay!
The health care system is one of the only redeeming qualities of this communist country shithole canada. It is built into my taxes and is nowhere near that.
Obamacare was part of the 16 year plan afterall.
How the hell do you guys in the states afford that. Your medical system is broken.
that's an entire salary. JEEEEEEEEEEESUS!
Wow. Are you on your death bed or something?
LOL no not at all - and that's for a family of 5, my wife and I are 48 with no preexisting conditions.
I've looked into Medi-share and similar type programs as an alternative to insurance, the rates are much cheaper and they provide similar services.
Insurance is a scam, just like taxes!
Wasn't the individual mandate repealed?