Author Topic: Obamacare on Life Support article  (Read 49851 times)

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Online morekaos

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Re: Obamacare on Life Support article
« Reply #30 on: October 26, 2016, 10:01:50 AM »
Its an entirely predicted disaster. I lost my doctor, lost my preferred insurance, lost my $500.00 deductible and saw my monthly costs jump. So great!!!

Offline WTTCHMN

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Re: Obamacare on Life Support article
« Reply #31 on: October 26, 2016, 10:09:39 AM »
Its an entirely predicted disaster. I lost my doctor, lost my preferred insurance, lost my $500.00 deductible and saw my monthly costs jump. So great!!!

Wait, so Obama lied?  If you liked your plan, Obama said you could keep it.  And Perspective always says, "Words matter."

Well, I guess actions speak louder than words.

Offline Perspective

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Re: Obamacare on Life Support article
« Reply #32 on: October 26, 2016, 10:20:33 AM »
Its an entirely predicted disaster. I lost my doctor, lost my preferred insurance, lost my $500.00 deductible and saw my monthly costs jump. So great!!!

Your plan changed. The coverage improved. Healthcare premium annual increases before ACA well exceeded inflation.

I'm only defending ACA against political rhetoric. That's all. I think it was a poor political decision. The vast majority of folks had medical insurance before ACA. Nobody liked the annual rising premium costs, but we could just blame evil insurance companies - always a good target.

After ACA, any healthcare issue someone has can be used as proof ACA is terrible. It was a terrible political decision to try to do something about healthcare delivery, especially at the start of the Great Recession (says the healthy guy with a healthy family who receives heavily subsidized healthcare insurance from his employer and whose out-of-pocket portion is not subject to taxes).
« Last Edit: October 26, 2016, 10:30:46 AM by Perspective »

Online morekaos

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Re: Obamacare on Life Support article
« Reply #33 on: October 26, 2016, 10:29:53 AM »
I have always worked for Fortune 100 companies. Thank God i had my kids prior to ACA. Both C- sections cost me a $500.00  deductible.  Post ACA my 20 year doc went to concierge medicine ($2000.00 a year retainer) my deductible is now $6000.00, my former insurance is no longer a choice and my premiums are up 20%.  I am basically self funding with a catastrophic care policy...but abortions are covered...thanks ACA and Obama...that worked out great!!!

Offline Perspective

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Re: Obamacare on Life Support article
« Reply #34 on: October 26, 2016, 10:32:37 AM »
My healthcare doctor/plan didn't change, but we pay additional Medicare taxes and net investment income taxes now due to ACA. So I'm raging too!  >:(

Who cares about the tens of millions of folks who couldn't afford healthcare or couldn't get it due to a pre-existing condition? That's not my problem! They should've chosen better parents and healthier bodies!

Offline SoclosetoIrvine

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Re: Obamacare on Life Support article
« Reply #35 on: October 26, 2016, 10:43:09 AM »
Not sure if it is possible with the profit margins in insurance/healthcare, but we need to introduce a basic health care system that everybody pays premiums into...maybe expand medicare/Medicaid to cover more people of all ages.  Most kids use their parents insurance so maybe we could put it at 21+ to be covered etc.   Then people that want better coverage can have their choice on private insurance for extra coverage.  So a true governmental option for a base option...to compete with private insurance. 

The 1 thing obamacare did positive was hospitals couldn't refuse care which is important, but there's too many flaws in the system as we are seeing now. 

Offline eyephone

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Re: Obamacare on Life Support article
« Reply #36 on: October 26, 2016, 11:02:20 AM »
My healthcare doctor/plan didn't change, but we pay additional Medicare taxes and net investment income taxes now due to ACA. So I'm raging too!  >:(

Who cares about the tens of millions of folks who couldn't afford healthcare or couldn't get it due to a pre-existing condition? That's not my problem! They should've chosen better parents and healthier bodies!

But the platform who you support thinks other wise.

Offline Perspective

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Re: Obamacare on Life Support article
« Reply #37 on: October 26, 2016, 11:16:58 AM »
My healthcare doctor/plan didn't change, but we pay additional Medicare taxes and net investment income taxes now due to ACA. So I'm raging too!  >:(

Who cares about the tens of millions of folks who couldn't afford healthcare or couldn't get it due to a pre-existing condition? That's not my problem! They should've chosen better parents and healthier bodies!

But the platform who you support thinks other wise.

I was being sarcastic. I am party-less. I support very liberal policies on most social issues, and am fairly conservative on fiscal issues.

Online morekaos

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Re: Obamacare on Life Support article
« Reply #38 on: October 26, 2016, 11:27:59 AM »
But this just doesn't balance out.  The social gain to me is far outweighed by my personal costs (and i doubt i'm alone on this), or for that matter the national fiscal cost of this badly thought out, badly executed disaster.  "Fixing" it will be even worse!! We are to trust the same clowns that set it up to fix it? Can we really be that gullible and foolish?... Probably

Offline Ready2Downsize

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Re: Obamacare on Life Support article
« Reply #39 on: October 26, 2016, 11:34:30 AM »
But lower income people can't afford to pay premiums. That's why they get med-i-cal (and basic Obamacare) for free and medicare has a tiered system already as well.

So basically we have that already.

My insurance costs got significantly worse after Obama care.

The protocol is for me to see two specialists for a total of a minimum 5 visits per year. My copays are $50 for those visits now and that doesn't include the required lab tests.

On the good side, mammograms and pap smears are free (as well as the doctor costs associated with those tests) but my cost for those pre Obama care are less than just the copay increase and if I need a diagnostic mammo (as I do about half the time I go in) that isn't even discounted....... only screening mammos are free.

And don't even get me started on out of pocket maximums. I basically have a catastrophic policy now when I used to have a low deductible and low max oop expenses.

Having worked in health care the system is completely unfair. Those with insurance pay for certain things (not covered......... out of their own pocket) that are completely 100% covered by med-i-cal and they don't pay premiums!

If you don't work in health care you have no idea how ripped off those who work can be compared to those who get "free" coverage.

Off my soapbox......... happy I'm a 10 year cancer survivor. I had a 20% chance of making this far so I'll pay those $50 copays but if I needed chemo it would be $50 per treatment just to walk in the door, plus costs for the meds and labs during and in between treatments and then there is the daily radiation treatments for weeks. Honestly it would really be a problem for many people facing those costs and then knowing "some" people get them for free.... not really free, paid for by Mr. and Mrs. working taxpayer.


Offline nosuchreality

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Re: Obamacare on Life Support article
« Reply #40 on: October 29, 2016, 07:08:32 PM »
R2DS, you on Medicare yet?  If not, if not for ACA, would you even be able to get insurance yet (outside of an employer plan)?

Offline spootieho

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Re: Obamacare on Life Support article
« Reply #41 on: October 30, 2016, 12:18:15 AM »
Your plan changed. The coverage improved. Healthcare premium annual increases before ACA well exceeded inflation.

I'm only defending ACA against political rhetoric. That's all. I think it was a poor political decision. The vast majority of folks had medical insurance before ACA. Nobody liked the annual rising premium costs, but we could just blame evil insurance companies - always a good target.

After ACA, any healthcare issue someone has can be used as proof ACA is terrible. It was a terrible political decision to try to do something about healthcare delivery, especially at the start of the Great Recession (says the healthy guy with a healthy family who receives heavily subsidized healthcare insurance from his employer and whose out-of-pocket portion is not subject to taxes).

Obamacare screwed me over from day one
- I got dumped from my plan because of Obamacare.
- The new plan coverage is the same, but my costs have gone up for a lot of things.  Also, my premiums went up 30% right away.
- My son was born right after Obamacare passed, it took 6 months to get him insurance due to flaws with obamacare that they had to iron out.  That was a bunch of stress and more effort than it should have been.

Our price increases have outpaced inflation.

Let's face it.  Obamacare failed to meet it's key selling points.   Why is this?  It was a rush job.  False premises were attacked.  Dishonest promises were made.

« Last Edit: October 30, 2016, 12:23:56 AM by spootieho »

Online morekaos

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Re: Obamacare on Life Support article
« Reply #42 on: October 31, 2016, 08:47:18 AM »
Coming apart at the seams...

Inside the Affordable Care Act’s Arizona Meltdown

Nearly every county in the state now has only one insurer selling plans through the health-care law’s exchange, and premiums are soaring

When Affordable Care Act insurance marketplaces launched in fall 2013, Arizona seemed like a success. Eight insurers competed to sign up consumers, offering a wide variety of plans and some of the lowest premiums in the country.

Today, with ACA enrollment starting Nov. 1, Arizonans will find in most counties only one insurer selling exchange plans for 2017. Premiums for some plans will be more than double this year, some of the biggest increases in the nation. Only last-minute maneuvering prevented one Arizona county from becoming the first in the nation to have no exchange insurers at all.

That left only one county in Arizona, Pima, with more than one exchange insurer—it has two. There will be a few more options sold outside the exchange, to people who don’t get federal subsidies.

Premium increases are steep, though the effect will be blunted for those who get subsidies. Blue Cross’s rates are up by an average of 51% from this year, Centene’s Health Net unit’s, by nearly 75%.

Mr. Walton, the consumer who benefited from lower premiums at the start of the exchange, worries he won’t be able to find a plan that includes his primary-care physician and his cardiologist. “I don’t know what’s going to happen come November,” he says.

http://www.wsj.com/articles/inside-the-affordable-care-acts-arizona-meltdown-1477925051

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Re: Obamacare on Life Support article
« Reply #43 on: October 31, 2016, 08:54:26 AM »
ACA isn't perfect. It needs to be improved. Healthcare delivery/costs weren't perfect before ACA. It's a tough extremely complex issue.

But (in my opinion) gov't involvement slows down the process and increases the costs.

When insurance is private, competition keeps prices controlled and makes companies improve their servicing, now that it gets "tax" funding, that impetus (impeti?) aren't as influential.

I find it interesting that we get taxed more to pay for ACA and then we also pay more for our own plans/premiums.

What?
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Offline Perspective

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Re: Obamacare on Life Support article
« Reply #44 on: October 31, 2016, 09:26:07 AM »
ACA isn't perfect. It needs to be improved. Healthcare delivery/costs weren't perfect before ACA. It's a tough extremely complex issue.

But (in my opinion) gov't involvement slows down the process and increases the costs.

When insurance is private, competition keeps prices controlled and makes companies improve their servicing, now that it gets "tax" funding, that impetus (impeti?) aren't as influential.

I find it interesting that we get taxed more to pay for ACA and then we also pay more for our own plans/premiums.

What?

Agreed. The best political decision would be to not touch this area and just ignore the tens of millions of folks who aren't broke enough for Medicaid and/or ineligible for health coverage due to pre-existing conditions. Healthcare delivery is just too complex, you can't fix all issues, and it won't be perfect.

 

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