The Rise and Fall of Obamacare

[VanishingPoi]

Originally Posted by donquixote99

There is a little-publicized catastrophic-care alternative in the Affordable Care Act. If you can show the $800 per month * (number of family members), is more than x% of total income, you can get the 'inexpensive' catastrophic-only coverage instead. It's better than paying the tax penalty and getting nothing.

Don't know what x% is, but it might be worth looking into.

It is a little late for that. I will be paying the the tax. Much cheaper than insurance.

Here is one for $1200 a month
Plan Type HMO
Metal Level Platinum
Office Visit for Primary Doctor
Find Doctors $15 Copay
Office Visit for Spe************************t $40 Copay
Referral Required for a Spe************************t Yes
Office Visit for Other Practitioner (Nurse, Physician Assistant) $15 Copay
Annual Deductible None
Separate Prescription Drugs Deductible $0 per person | $0 per group
Coinsurance 10%
Retail Prescription Drugs Generic Drugs: $5 Copay;
Preferred Brand Drugs: $15 Copay;
Non-Preferred Brand Drugs: $25 Copay;
Specialty Drugs: 10% Coinsurance;
Out-of-Pocket Limit Individual: $4,000
Lifetime Maximum Unlimited
Health Savings Account (HSA) Eligible No
Out-of-Network Coverage Emergency Care Only
Out-of-Country Coverage No.

[Tom Joad]

These high deductable ($5,000-$6,000 or more per year) are worthless to the people that most need health insurance. I mean they are absolute shit.

You might as well build a "Game of Thrones" wall between them and medical care.

They can't afford to use them.

the Federal Reserve Board has conducted a survey to “monitor the financial and economic status of American consumers.” Most of the data in the latest survey, frankly, are less than earth-shattering: 49 percent of part-time workers would prefer to work more hours at their current wage; 29 percent of Americans expect to earn a higher income in the coming year; 43 percent of homeowners who have owned their home for at least a year believe its value has increased. But the answer to one question was astonishing. The Fed asked respondents how they would pay for a $400 emergency. The answer: 47 percent of respondents said that either they would cover the expense by borrowing or selling something, or they would not be able to come up with the $400 at all. Four hundred dollars!

If you have a hard time coming up with $400 bucks, how in the FUCK are you going to front Five or Six Grand?

http://www.theatlantic.com/magazine/...-shame/476415/

The answer is, you don't. You get sick, or notice a suspicious lump, and you put off going to the Doctor because you can't afford it. Same as you did when you had no insurance. Because the truth is, if you have some shitty High Deductable Obummercare Bronze Plan, you still have no insurance.

[VanishingPoi]

Originally Posted by Tom Joad

These high deductable ($5,000-$6,000 or more per year) are worthless to the people that most need health insurance. I mean they are absolute shit.

You might as well build a "Game of Thrones" wall between them and medical care.

They can't afford to use them.



If you have a hard time coming up with $400 bucks, how in the FUCK are you going to front Five or Six Grand?

http://www.theatlantic.com/magazine/...-shame/476415/

The answer is, you don't. You get sick, or notice a suspicious lump, and you put off going to the Doctor because you can't afford it. Same as you did when you had no insurance. Because the truth is, if you have some shitty High Deductable Obummercare Bronze Plan, you still have no insurance.

You got that right.