'ObamaCare Approved' Insurance Goes into Effect Tomorrow and Why I am ANGRY About It

originally posted by: burdman30ott6
Elections have consequences. Today would be a wonderful day for you to personally thank an Obama voter!

Yeah, I got their thanks right here.

It's reason like this that I am contemplating canceling my employer based insurance when it comes time for open enrollment again at my work. It sucks too because my company will pay my deductible if I go to the hospital, but my company already doesn't pay me enough for my job. So if insurance goes up, that will be the first thing cut. Especially if the government starts taxing me for the things that my company is paying for.

originally posted by: hounddoghowlie
a reply to: o0oTOPCATo0o

it was nothing but a tax scam and control messure from the getgo and believe it or not people still swear it's a GOOD THING.

And where are all those people now?
*hears crickets*

a reply to: nugget1
And some people have the abject gall to refer to adults who have seen the writing on the wall long ago and refuse to bring children into the world to be slaves for the 1%

Lets see the children of the 1% fend for themselves when the slaves run out, the robots break, the ammo runs out and there is no one left to feed off of like a leech.

a reply to: macman

You just made my afternoon with that post, that is why I would like to know . . . . never mind, all we need to know is that is working, working and working. he, he.

originally posted by: burdman30ott6
Elections have consequences. Today would be a wonderful day for you to personally thank an Obama voter!

You're welcome!

As to the OP; it seems you'd be better off if you asked for that 90% back from your employer, it will reduce your taxable income and your employer probably wouldn't have to pay that additional tax.

Just from what you've said it seems like your employer is intentionally making it more difficult for you. Personally, I was pretty happy when I saw that my health insurance costs weren't counted as income when I filed this year.

wow!!! o0oTOPCATo0o that sucks! i wonder how many others are in the same boat...i have chossen to continue my past healthcare plan...NONE..and yes ive had my issues and i have injured myself but i used the natural approach...out of pocket, friends with more knowledge than me and study...

Spppppaaaartans, ...lay down your money for our mandated health insurance! .......Persians, come get it!" (sound of a slighlt whistleing in air)

What no one has yet mentioned is the growing number of hospitals, doctors and medical specialists who want nothing to do with Obamacare and will not accept or see patients with government approved health insurance policies.

People forget that health insurance and health care are mutually exclusive. One doesn't guarantee the other. Think of it as like have an ATM card in a town with no ATM machines.

If your insurance policy is via the government health care exchange, be prepared for long waits to see a doctor who is also a government employee and who got their license to practice medicine from a 3rd world diploma mill, doesn't speak English very well and wipes off the tongue depressor from the last patient with a paper towel from the restroom before sticking it in your mouth.

What Obamacare is is a 2-tier system of healthcare: 1st class high quality care for those who buy their insurance outside of the Obamacare health exchange (concierge insurance coverage) or pay for it themselves and low quality 3rd world care for those covered by Obamacare.

That what you get when you elect a racist neophyte Marxist community organizer as president. A man who isn't qualified to run a lemonade stand.

Lunacy! How we allow ourselves to be gouged like this, I don't understand.

Does anybody know if Obamacare allows self-insurance? It may be the way to go, if you have cash, which most people don't. Because they're too busy paying for outrageous insurance!

a reply to: o0oTOPCATo0o

a reply to: lindalinda

As far as I am aware, if you choose self-insurance you will be assessed an additional "tax" that increases each year. The only way to avoid this additional "tax" is to maintain government approved health insurance.

The first few years, going self insured would be cheaper than buying the insurance. After that, the additional "tax" would end up being more than you would have paid for the government approved health insurance.

You can thank the Supreme Court for that little bit...

a reply to: links234
Yes, it will be more taxable income, but that is surely better than having to pay $416.98/mo.
With them paying 90% I pay $41.70/mo.
I would rather be taxed on an extra $4503.36, than pay the whole $4503.34 out of pocket.
I assure you, the owners of this company are good people and are trying to help, not hurt their employees.
Also, I won't be taxed on the extra income until 2015, which gives us time to voice our outrage and maybe change some policy.
The thing that really irks me, is that my employer has to pay 6% tax when they pay the 90%, then the gov't taxes that same money, as my income. utter B.S.

Couple quick quotes:
"But we have to pass the bill so that you can find out what is in it."
"It is almost a false argument to say we have a spending problem."
"Waiting hours longer in the emergency room will allow you to make new friends!"
(I think everyone knows the source of these two 'gems')

I spent a number of years working for insurance companies on the Marketing side, and was privy to some of the financials. Based on how they're regulated, there are loss ratios they are mandated to follow, which means that they are only able to make a certain percentage of profit (no matter how good or bad a year they may have).

Based on this, there is no way at all I can see that insurance companies are getting a darn thing out of this. I guess I'm just a tad bit sick and tired of hearing (from the media and the current administration) that it's the insurance companies' fault, blah, blah... Wouldn't it be nice for the current administration to grow a set and lay all their cards on the table? Just once? (how about I hold my breath on this...)

(BTW - Left the 'Financial company' industry a few years ago, and am SO much happier... lots of stress there...)

I am still uninsured. Missed the deadline and I refuse to sign up and pay for a defective product, not that I can afford it anyway.

I've yet to meet anyone who has actually saved money with ObamaCare, I know of a few people with slightly lower monthly payments, but when you consider they now have a much higher deductible, they really are not saving anything. The Obama die-hards are telling me that ObamaCare is already a great success and the enrollment numbers are there, I know better. I even had someone tell me it is my responsibility as an American to buy health insurance.

The health insurance industry in the US is an industry I refuse to support. Profits are more important than a patient's health and until that changes health care in the US will continue to plummet. In my opinion ObamaCare is nothing but a gift to the health insurance industry. We are now forced to purchase a defective product.

originally posted by: sbreckley
Couple quick quotes:
"But we have to pass the bill so that you can find out what is in it."
"It is almost a false argument to say we have a spending problem."
"Waiting hours longer in the emergency room will allow you to make new friends!"
(I think everyone knows the source of these two 'gems')

I spent a number of years working for insurance companies on the Marketing side, and was privy to some of the financials. Based on how they're regulated, there are loss ratios they are mandated to follow, which means that they are only able to make a certain percentage of profit (no matter how good or bad a year they may have).

Based on this, there is no way at all I can see that insurance companies are getting a darn thing out of this. I guess I'm just a tad bit sick and tired of hearing (from the media and the current administration) that it's the insurance companies' fault, blah, blah... Wouldn't it be nice for the current administration to grow a set and lay all their cards on the table? Just once? (how about I hold my breath on this...)

(BTW - Left the 'Financial company' industry a few years ago, and am SO much happier... lots of stress there...)

you forgot a couple, from the other cheer leader.


then a month later he lied again saying he didn't say that.


then he claimed there was no problem with the system,then basicly he said old folks don't know how to use the internet.


i'm still waiting for him to say that he didn't say that.

Move to Canada..... Sure beer, liquor, cigarettes cost more but everything from annual, or weekly if you're a hypochondriac, doctors visits to a heart transplant is free (but only if you don't drink or smoke)....

And you'll get used to socialism quicker than you can say " WTHell, the US military budget is $600,4000,000,000 whereas the total of the next 10 countries is only $557,400,000,000 ! "

Yes I understand the world needs to be policed but the US citizen takes on way too much paying for it.....


SOURCE

a reply to: o0oTOPCATo0o

But...it's still your money...whether they pay all 90% of it or if they pay 10% of it. If your employer gives you that money then you use that to cover your health insurance cost and you reduce your taxable income...You're not making any more money and your not making any less. Additionally, your employer saves themselves from the 6% tax. I understand the concept of paying $41.70 instead of $416.98. However, that $416.98 is still yours. If your employer gave you that $416.98 and you paid for your health insurance with all of that $458.68 in take home pay then your employer avoids the tax and your take home pay doesn't change.

Does that make sense?

a reply to: links234

I have a friend who make about $15 an hour and works full time and her health insurance is taken out of her paycheck. She has not had a raise in over 3 years and now takes home over $100 less a month than she did 3 years ago. Taxes have gone up a little, but her health insurance has been the biggest increase. It still went up significantly this year and now has a much bigger deductible.

Can an AHCA supporter look her in the eyes and tell her honestly that ObamaCare has made health care more affordable?

God I hate this corrupt government. Time to consider leaving cause I'm sure that sooner or later...that won't be an option.

a reply to: jrod

I don't know what the AHCA is. I can't tell you if I support it. I don't really support the PPACA, I'd rather see a single-payer system or expand Medicaid up to $150k/year households. Or both.

I don't outright oppose it though. I don't know what I would tell your friend, except that the PPACA is giving a lot of people the option of having health insurance where they wouldn't have it before. That should be worth something, shouldn't it?

Just curious, who did you vote for for President, House and Senate in the last few elections?

Were you "for" the ACA until it affected you?

What was your position on the ACA before it affected you?

All of the consequences you are reporting, and all the adverse consequences that conservatives predicted would happen, are happening. Did you pay attention to the predictions, and what were your thoughts on these predictions? Did you dismiss them, and believe what the government told you instead?

Because seriously, if you voted for any candidate who voted for the ACA, you not only foisted these problems onto yourself, but also onto the rest of us who knew this wouldn't work, people who were unwilling to go along but are now forced to.