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Is anyone not signing up for Obamacare out of principal?

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posted on Mar, 17 2014 @ 11:03 PM
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reply to post by Shaiker
 


Well, that was the numbers I got before. I just went back to check and grab a screenshot to show you. All the numbers have changed drasticly. I am quite suprised about that. Now I wonder what happened that made these numbers totally different that before. Makes me wonder if it will change after I sign up. So, I will admit things seem to have changed because when I went in a few months ago it was as I said.
edit on 17/3/14 by spirit_horse because: (no reason given)




posted on Mar, 17 2014 @ 11:16 PM
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reply to post by spirit_horse
 


You picked a catastrophe plan a bronze plan that is why your deductible was high. Check it again and pick a silver plan and read the details of the plan. I am anti government as it gets so instead of critisizing me and check for yourself. If your a conservative good for you but you best quit listening to crap they're spewing everywhere because its BS.

BTW in october of last year my deductable offered was 10k as well with no subsidies, but that was because the idiots hired other idiots to make the website. It is totally different now. Me and my wife make 30k a year combined our healthcare is 67 dollars a month with a 1000 dollar deductible.



posted on Mar, 17 2014 @ 11:19 PM
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reply to post by Shaiker
 


Yes, I edited my post above. I apologize for getting so irritated because I know what I saw. And you are correct, the numbers have dropped amazingly. Thanks for pointing that out because I wasn't even going to go back to the site and wouldn't have known the difference.



posted on Mar, 18 2014 @ 09:42 AM
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reply to post by spirit_horse
 


Here is a good Obamacare Calculator that can give people an idea of how much they will have to pay and how much Subsidies they qualify for based on income alone.

My initial gripe as the poster above pointed out, the subsidies have increased(the prices didn't necessarily drop) but as all things government, they are sure to lower again. So they are NOW trying to get everyone in based on the high subsidies and than when they take away the subsidies, you will be forced to foot the whole bill or be fined.

The calculator above will show you the full bill, and the subsidy so you can see the difference.
edit on 3/18/2014 by PsychoEmperor because: typo



posted on Mar, 18 2014 @ 12:09 PM
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reply to post by PsychoEmperor
 


Thanks for pointing that out. I went in last night to see what I could get and was surprised. A silver Blue Cross/Blue Sheild plan was $99/month (with subsidies currently) and a $1,500 Deductible with $2,000 maximum out of pocket per year. I have both my doctors I normally see in the network (good docs). Also $10 scripts, $10 copay for Family Doc, and 10% for my specialist in pain management. My meds are on their drug formulary as Tier 1 meds fully covered. As I said before, my outlay currently is $5,000 a year. I pay $150-$200/mo. in meds alone. My specialist charges $135/visit (4x a year) and that would be $13.50 per visit.

So, I can get this currently spending less than what my current outlay is. Then, having coverage in case anything else happens is a big comfort. I have some serious issues looming. I had issues with my last lab reports. Could be med caused, or something very bad. I can get this looked into if I have insurance because the diagnostics alone would have been too much without insurance and if they need to do surgery, well that is outrageous. I had 23 major surgeries over 2 years. The bills were well over a million $.

Now, I know I am going to have issues next year because of income. 2013, my income was limited by timing. I sell new homes for a builder. We don't get paid until the house closes which can be 6-8 months currently. Many of mine are coming in now. And this year I already have 40 sales. So, my income will be out of control. But, if I am making that level income, then I won't have a problem with premiums.

I have been dead against Obamacare from day one. And after I saw the original numbers, I was extremely anti-Obamacare. I would not have gone back to the website if I hadn't read this thread and Shaiker's post about the change in the numbers, especially deductibles. Things are completely different than last time I looked. To the point I will sign up now. As I said, after 23 surgeries for GSW, and broke back, titanium plates in my pelvis and femur, and a titanium rod inside my tibia. I have been rebuilt extensively. I spent 2 Christmas and New Years in the hospital. I got a major surgery once a month after the 2 initial trauma surgeries after the GSW (12ga. 00 Mag Buck shot at close range to the neck and chest). It blew off about 1/3 of my neck and a chunk of skull. They had to take muscle out of my chest to replace lost muscle and tissue in my neck. I had the best surgeons (Cheif's of Surgery at Shands, a Level 1 Trauma Hospital associated with the University of Florida). Most people can hardly tell anything was so damaged. Unless you look on the side of my neck, you won't see the scars. My Ex-Wife 7 years after our divorce came in a 3AM and had a Browning 12ga 5 shot with recoilable barrel and 5 rounds. I awoke just as she was about to shoot standing over my bed. I hit the barrel to the side or I wouldn't be talking to you. She panicked and dropped the gun and ran. Thank God, because I was in no position to fight. If she had just waited and took another shot, it would be all she wrote. I tell this story because I feel it relates to health insurance.

I don't know what may develop with all the meds I take. I could have a heart attack, organ damage like liver from meds, etc. And God forbid some accident. I was fortunate because I had to young daughters and as such Medicaid covered most of it and the Federal Gov (prior employer) told the hospital they could write off the rest on their taxes. BTW, I wasn't on Medicaid, and never would have even considered it. When I woke up days later (kept me in no pain after trauma surgeries, etc.) a lady came in amd let me know I was now on Medicaid. Surprise to me. She said she got all the information she needed from family members. She told me anythime I need it after I got back off - I believe in working to make my way through life. I broke my back in 1984 and never considered any SSI, or what ever. If I can walk and talk, I can work.

Anyway, I would suggest people revisit the site to see the changed numbers. Now it is affordable. Now I will get use of the benefits. Before that was not the case. Of course, after setting up my account and was about to click on enroll on the plan I mentioned above ---da da daaa - Site went down for maintenance. That was 2AM. At 1:00PM Tuesday it is still down. With 3 days left to sign up! Go figure.



posted on Mar, 18 2014 @ 06:07 PM
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reply to post by spirit_horse
 


Thank goodness you were able to get something decent in way of insurance. I sure wouldnt want what you have on your plate on mine. I feel bad about griping about paying 12k+ for a baby delivery now when so many have so much more to worry with.



posted on Mar, 19 2014 @ 03:47 PM
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reply to post by Shaiker
 


No worries. I often feel like giving up as opposed to living in severe pain from my first waking moment for the next 40 years if I live that long. But, every time I catch myself feeling depressed and wanting to give up, I snap out of it with the thought of the people not as well off as I am. People paralyzed from the neck down, or suffered brain damage and can't do anything for themselves, or in prison for life. It could have been my turnout, but by the grace of God I made it through. When I think of what others are going through, I realize I am well off. I can walk, talk, associate with friends and family, enjoy those precious moments in life, work, etc. Yea, I have been through it. But, the pain is controlled mostly by medicine. After considering that, I usually just pick myself up and move on disgusted that I was complaining about my situation. I am sure there are millions that would trade places with me in a heartbeat. Not to consider the billions living a struggling life in poor or third world countries and don't have the luxury we have in the US and other first world countries. Like food for instance. We can go out 24hrs a day and get all the food we want to eat. HVAC, Roofs over our heads, etc. It is when I recall that, that I quit the bad thoughts and give thanks for what I do have. God must have something planned for me. I have had a body bag called for me once in a car wreck right after graduating HS, and my friend was DUI driving. In another car accident 20 years later, I was written up as a fatality in a car accident. That was crazy. During a tropical storm at night, I hit a pothole and my truck flipped and rolled over but stayed in the road. I tried crawling out, but the pain must have made me pass out. Long story short, I woke up in the hospital with a shattered scapula (shoulder blade). My family had left the police report and ticket at the hospital. I looked and it was written up with one fatality. I was freaking out major. I thought I killed someone. The guy sharing my room had killed his friend in a DUI crash. So, I laid there listening to the Detectives questioning him and his family wouldn't tell him his friend was dead. I guess because of the condition he was in. Anyway, for 3 days I was waiting for the police to show up and arrest me. I later found out no one was involved in the crash. My right tie rod end snapped off and caused my truck to flip and roll. The state trooper must have not been able to wake me up and it looked like an ejection which is often fatal. I had taken my seat belt off and crawled out of the truck. In the Army I had broke my ankle and my first Sergent tell me FIDO! I use it a lot in life. FIDO is F' It Drive On! If it isn't going to effect your life or your loved ones in a negative way, then who cares. In a week you will forget about it anyway. So, if your getting down, just say FIDO. It will get better. BTW, I am covered now!

Have a good one and thanks again Shaiker!

edit on 19/3/14 by spirit_horse because: (no reason given)



posted on Mar, 19 2014 @ 04:28 PM
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Shaiker
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.




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