Went to the ACA site to get an idea of my cost for affordable healthcare.

m.us.wsj.com...

January 17, 2014 10:53AM
Bills Proposed in Several States
Would Nullify Affordable Care Act

By JACOB GERSHMAN

(snip)

Similar bills have popped up in the statehouses of
Georgia, South Carolina, Oklahoma,
Missouri, West Virginia and Indiana.

Yep, link in the article:

iga.in.gov...#

Also, the Tenth Amendment Center has been following this.

tracking.tenthamendmentcenter.com...

ETA: map here, more states than in the WSJ article.

If people willingly sign up on Federal exchanges, it could be out of ignorance, because the Feds will not tell you your state opted out, and nullified. They will just take your money.

Do your reasearch for your state, for your own good.



ETA linky
legiscan.com...

Looks like Georgia has passed the House, made it to the senate, likely to pass. Woot!

2014-03-13 Senate Senate Read Second Time

P.S. most do also say "Retroactive".


Here is the relevant quote about the flaw in the law, states that opted out CANNOT have fines levied upon employers, NOR individuals. It was the LAW, IS the law. They are using the IRS to scare people.

From the Tenth Amendment link above:

The federal act authorizes Exchange subsidies only through state-established Exchanges, not the 34 Exchanges created by the federal
government, or those created in a partnership.

Since those subsidies trigger penalties under both the employer mandate and individual mandate, those states have by law also
exempted all of their employers and individual residents from those penalties. The IRS, though, is still trying to impose those taxes and issue
those subsidies in states which have banned the creation of exchanges, the basis for the current lawsuits.

ETA link
www.advisory.com...

This is a recent map, and info, state by state listing as of 2-14-2014, of states that have expanded Mediaid funding. This does not mean they have formed their own exchange, they just took the Fed bribe.

This number has HUGELY increased, likely because of the economy, and states' inability to pay the bills.

The bad part is, what happens in 3 years when the Fed funding dissapears?

>.<
Last edit.

nearly 20 years ago, i went into a full blown coma on total life support. i was in neuro critical care for almost 5 days in an university hospital. doctors would come in with students to discuss my case. many specialists had a look see. by the time i came out of the coma, i had bills you would not believe. my health care at the time, covered 75% of the cost, leaving me to pay a paltry 25% of the bill. even that 25% was waaaay out of my comfort zone, financially.

years later, i was still receiving and paying bills from doctors whose names i didn't recognize. i would call the number on the bill and ask what service they rendered to me while in the hospital, only to hear they were a collection agency and had no access to the information of services rendered. because it took me so long to pay that 25% most of the bills were in collections, so just about anybody could've claimed they rendered services.

anyway, we made barely above poverty level wages at the time and i still had to go to family members for help on paying the bills. i can't imagine how hard it would be to pay those kinds of bills on only 14k a year, and i sure don't want to find out. if max cost is 7k, that's certainly less than the 25% of my bill was, as you can well imagine.

reply to post by undo

Here is the point SO many people are missing.

If you have to struggle just to make the premiums, how the HELL are you supposed to pay ANY percent?!

If paying the premiums wipes you out, you're done.

When faced with a catastrophic illness, such as you had, people in the OP's position, being the only wage earner, would be automatically signed up for Emergency Medicaid. Her wages just went to zero for the duration of the illness and recovery. No one is going to
1. Not treat her
2. Not refer her case to Medicaid for Emergency coverage

This is what hospital Social Workers and Case Managers DO, it's their JOB. They are there to secure any financing possible for the hospital that they can. The first step is ALWAYS emergency Medicaid when applicable.

In your case, you had insurance. Albeit crappy, but hey.

And, if you paid any bills without proof they were yours, called validating a debt, which included a copy of your signatory to agree to pay, shame on you. But, that's another thread.

ETA - there is also a limit on ability to collections, it's called aged debt, and varies state to state. Many collection agencies are leeches, and buy old debt for pennies on the dollar in hopes of collecting. Most states, for medical bills, is 4 years. After that, you are under no obligation, by law, to pay.

reply to post by sarra1833


You couldn't have stated that any better.. "Some people just don't want to see the facts".. My parents are newly retired. They had a plan that worked for them.. Apparently it didn't meet OC criteria.. They now pay dam near cobra rates, if they had continued with my moms employers HC plan..

There are a group of people out there that are star struck with Obama.. Any criticism of any kind is blasphemy and worthy of stoning..

I pray your able to get an "affordable" plan or a job that will ether give you the resources, provide HC or both..

reply to post by Libertygal


You seem to have an incredible grasp of the ACA.

I have actually learned from your posts.

Thanks

reply to post by Libertygal


i think my post is evidence that no matter what, if you end up with a catastrophic illness, 7k ain't much. but not too many people end up with my particular situation (critical care for that many days on full life support), much less live to tell about it.

i agree that asking people to pay extreme percentages for insurance that they may or may not need or use in the first place, is just highway robbery. and i think that was the point -- the excess goes to pay for those who do have extreme situations. then when people complain about the cost of paying for other people's extreme situations, when they are themselves, perfectly healthy, the gov can step in and make judgement calls on who deserves care and who doesn't, even in extreme situations. the whole thing sounds like a bad deal to me.

reply to post by undo


Well see, once again, that's something of a misnomer. We MUST seperate State from Federal.

When someone is on Medicaid, that is a State benefit. That is partially funded by the Feds, in ALL cases.

Obama attempted to punish states that opted out of expanded Medicaid by withdrawing ALL Medicaid support, and that was deemed illegal. The Feds have no say so in how States' Medicaid funds are spent, nor, could they punish them for non-participation in exchanges by withdrawing funds.

The only monies the Feds can control is Medicare and money taken in on the exchange.

I also believe that the poster that said that 7% was the cap was only referring to ONE plan, because I have seen, myself, Gold plans that had a deductible alone, of 10k, with an 80/20% copay, and then I do not recall the cap, but I think it was 20k. So, not sure what they were actually quoting from, but certainly not the plans I have seen.

As far as the Feds directing how funds are spent, though, one must be cautious with those comments.

Most of the funds are belonging to States, and private insurers, that have nothing to do with Federal funding.

ETA - I don't wish to make it seem I don't understand your point, I do. I don't think the government has any business in the healthcare business, nor, lying when they said illegals wouldn't be covered, but are among some of the highest enrollees.

They have no rights, which is why I support nullification, and why I back states that refused expanded Medicaid. It portends to give to far of a reach to the Federal government into State sovereignty, where they do not belong.

OP that is because at some point you are considered eligible for Medicaid. Which no one takes. I already did these tests. They had Medicaid before ACA. ACA is a joke.

reply to post by Libertygal


if you've noticed, many who aren't overweight, don't smoke or drink, don't want to pay for someone else's lung transplate, triple bypass heart surgery, diabetic leg amputation or liver operation. so the pressure is put on and then the gov has to step in to fix their original plan - extending it to -- if you are fat, a smoker, a diabetic, or an alcoholic, the good people of the usa don't want you to be covered by their insurance premium payments. now that the law is on the books, they can even refuse care or coverage or both, to people of certain ethnicities, political parties, religious status, even gender could become an issue.

Thanks for sharing. And wow......that's insane. Thankfully, I have not been affected by Obamacare, as I get my healthcare through the VA, and thankfully, it makes me exempt from signing up. However, I've been looking to find out people who have to deal with it, what their experiences are. And so far, I've heard far more bad than good. I knew the whole thing would be a disaster. I'm interested in exactly how disastrous.

I took a look at all 4 pics.

I am as Anti-Obamacare as you can get.

There is something wrong here with the web site. It makes no sense. It's a glitch, bad programming, whatever. It makes no sense that you would get zero subsidy at lower income levels. It makes zero sense that you would be at a higher % of poverty levels at lower income levels.

I don't blame you for being upset at the numbers, but I do blame you for taking these numbers at face value and thinking these are the Real Deal. You know they don't make sense. WHY are you accepting them? For God's sakes do some research to figure out why these erroneous numbers are popping up.

reply to post by undo

And, I will tell you now, that people that are sick enough to qualify for a lung transplant, a leg amputation due to diabetes, or any other extreme illness, which, let me just state right now - diabetes is not a disease of overeating, many people are Type I diabetics, which is a system failure of the pancreas over which they have no control - and many major illnesses like you outlined, are ALREADY ON State benefits (Medicaid) or Federal Benefits (Medicare), and /or SSI Disability!

Do you not know, or realize, that every paycheck has always had taxes deducted to pay for that?! That 49% of the population, on tax day, get those deductions to help those people, ALL BACK?

That 51% of the people STILL pay taxes for this, and the REAL question should be, Mr Obama, Mr Bush, Mr Clinton, why did you RAPE Medicare deductions to pay for pork barrell garbage, and STILL ARE, then come to us, the people who are STILL PAYING and ask us to PAY MORE?!

Why are young people being expected to pay ANYTHING, when they are already taxed for it?

Look at your paystub. If you have one. All those deductions. What do you think they are?

My God.

reply to post by Libertygal


why are you yelling at and insulting me?
what i'm saying is, it's worse than that. alot worse. when the gov controls health care in a DEMOCRATIC (read -- mob rule) society, they can vote away your right to any care whatsoever, regardless if you paid or are paying twice for the same thing. what's next? could be anything, including, if you're white you have a better shot at earning income so your premiums skyrocket. this is just ground level right now. they haven't had time to add in all their little political agendas yet.

reply to post by undo


I am not yelling at you, I am using emphasis on words. And I never once insulted you.

I, for one, cannot understand how people lump all sick people as fat, ignorant, and like they did it to themselves, for one.

Secondly, the partisan bickering and BS that happened with Romney and his 41% comment blew me out of the water. He was right, but no one could be bothered with the facts. It was election season, afterall.

Lastly, the sheer fact that people just grab that paycheck and go home, without the slightest understanding of what is being deducted, or why, amazes me.

Everyone that works already pays taxes for:
Medicaid
Medicare
Social Security (which most of us won't get to use)

Then, on tax day, 49% percent that paid into it, whoop it up, because they get it all back. Some get more.

Then, they don't understand, that poor people are covered under Medicaid. Old people under Medicare. All that refund you just got back. Yep.

Then, the 51% that paid taxes, that don't get the huge tax day refunds, their dollars that SHOULD be going to help those people, are being misspent right now, by Obama, Pelosi, and Reid.

And no one understand why anyone is upset?

And not all sick people are fat, stupid, and brought it on themselves.

That really made me angry. Yes, it did. Stop generalizing. It also has nothing to do with race, nor gender. It has to do with robbery.

reply to post by Libertygal


i'm not generalizing, i'm telling you that these are the kinds of things i have heard other people say. and that's what happened in nazi germany and in stalin's communist russia. they disenfranchised whole sectors of the populace by first, manipulating people into financially desperate situations, starting propaganda rumors as to who or what is to blame, and then offering to solve the problem once enough people griped about it.

hey i have diabetes brought on by chemotherapy i had for breast cancer. i worry that one day, because i'm diabetic, i'll be one of those people cut off and i'm a type 2 diabetic, the type that supposedly is diabetic from inappropriate diets.

i swear, you are having reading comprehension problems

reply to post by schuyler

There is something wrong here with the web site. It makes no sense. It's a glitch, bad programming, whatever.

No. It's correct. At that income level one is not qualified for a subsidized program.

The idea is that these people should qualify for expanded Medicaid. The trouble is, about half of the states do not offer expanded Medicaid (SCOTUS said they don't have to). A real falling through the cracks situation.

The premium shown in the calculator is probably for a "silver" plan. There are lower priced plans available as well as options for covering children under 19.

The good news (I guess) is that such people will not be penalized for not having medical insurance. Their situation is pretty much the same as it was before the ACA.

The ACA is not about getting medical insurance for the poor, it's about getting medical coverage for as many people as possible. Many people to whom insurance was unavailable at any price can now obtain it.

reply to post by undo

i swear, you are having reading comprehension problems

And you asked why I was insulting you, which I never did.

Way to show how to practice what you preach!

reply to post by Phage


Phage, im the OP.
the lowest I am able to get is bronze at $404 dollars a month.
at 14k a year salary, that's going to be tight.

I'm going to either try to get on medicaid or just wait until '15 and see what my job offers as they HAVE to be compliant by '15. Right now they are not - but the ihealth nsurance through them is only 27 dollars a month for my son and I. I opted not to get it because figured it was pointless: it's not ACA compliant. I figured I HAD to get ACA coverage and wasn't about to have two different insurances. If that makes sense.

I've had some opportunity to get used to the idea of dying, but I still have a long ways to go. I know when that day comes, I'm just going to have to find a way to shut off and accept my fate. I know it happens to everyone. How many creatures on this Earth have died? How many people have died? Must be countless numbers over the past 500,000,000 years. So what's so scary about dying? Well, it's not so bad if it's not painful. And as long as you leave something behind - you make a mark or a positive contribution - your work is mostly done.

And yes I'm writing this in regards to the ACA and health insurance in general.

reply to post by CB328


No, Obama and those who passed this do get the blame.
They have more knowledge of the corruption and greed in the Mainstream Medical, Insurance Industry and Big Pharma.

Yet, they passed this abomination of a bill into law.....knowing full well that the three cited above would benefit...and the American citizens would pay the price.