I encourage readers to check it out themselves. Ninety percent of what these guys post is disinformation someone else said and they are repeating.
Never thought i would refer to the vast majority of posters on ATS as disinformation agents and fear mongers .
I think what you are actually seeing is people describing an elephant. Because some people are describing something different than what you have
personally experienced does not mean they are lying.
There is an Obamacare Sweet Spot, and for people in that Sweet Spot life seems all glorious to you. Here you are getting cheap subsidized care and you
think it is wonderful. And for you, it IS wonderful. Congrats. But you are living in the eye of a hurricane. It's all sunny--for now. That "eye" is
between 100 and 400% of the "Poverty Line." But outside the eye of the hurricane it's a bit tougher.
Really poor people on Medicaid have insurance. They're covered under their state's welfare program. But there is a large segment of poor people who
do not qualify for Medicaid, but actually don't make enough to qualify for Obamacare subsidies. (And yes, this IS bizarre!) If you don't make at
least 100% of the "Poverty Line," there is no subsidy, but if you live in a state that has NOT increased Medicaid to cover you, then you live in
"The Gap" and you don't get any coverage at all. Obamacare is NOT about insuring POOR people; it is about insuring the MOST people.
People who DO NOT qualify for subsidies pay full price for Obamacare. in many, if not most cases, this has roughly doubled in price coupled with a
DECREASE in coverage. For example, my $3500 deductible $300 per month policy was dumped in exchange for a $6000 deductible $548 per month policy. Why?
Because other old policy did not cover pregnancy or prescription drugs, and a couple of other things like pre-existing conditions. But given the new
higher deductible I still have effectively no drug coverage, plus, given that I had a policy anyway, pre-existing doesn't apply, and, being male, I
can't get pregnant.
So for me and millions like me the price has gone up while the coverage has gone down. And that effectively pays for your subsidy. Now, before we get
further, you will notice that truly rich people are unaffected. Why? because they already have Cadillac plans that meet all requirements and have been
paying for them anyway. Their lives will not change, nor will their premiums go up. To you and me, they are already paying a lot, but the point is
they won't see a difference and they won't be subsidizing you. I will. Now it's not all about me nor is it all about you, but generally speaking
what has happened is that the skilled working class (plumbers, welders, iron workers, etc.) and the middle-class (teachers, civil servants,
self-employed, etc.) are paying more for individual coverage so that the relatively low-paid retail workers (clerks, chain store managers, dept. store
workers, etc.) can be subsidized.
Right now, today, it does not affect workers who have their health care paid by their employers, but don't be complacent. That comes later. In a year
or so this will hit employers, and many of them will be reducing or even eliminating health care altogether and forcing workers onto the open market.
Yes, I'm sure those workers will complain, but you know what? If they don't have the money, it ain't gonna happen. That's going to be Phase Two of
this and it just hasn't hit yet.
The more immediate issue is the subject of this thread, people who will not sign up, on principle or otherwise. These are relatively healthy (for the
moment) younger people who feel they don't want insurance. Since they are not sick, they can afford to be "principled" in their approach. But by
them NOT signing up, their premiums will not be available to subsidize other people. You don't have to make a lot of money to subsidize other people
like the workers mentioned above. you just have to NOT USE your insurance because you are healthy.
And that's just a few factors on why this house of cards is precarious.