As does the bazillions wasted on military spending, corporate tax dodging, Wall St corruption, and on and on. So why is the one thing critical to citizens of society singled out for outrage ? Insert my whine comment here _________.
Health Insurance
- Thread starter TeamCaffee
- Start date
As does the bazillions wasted on military spending, corporate tax dodging, Wall St corruption, and on and on. So why is the one thing critical to citizens of society singled out for outrage ? Insert my whine comment here _________.
We should be aware of it all but this thread was about health care not tax dodges or military soending.
I got BCBS and just paid my health ins and it went from $370 a month, now its $528 a month. WOW!! Now having to look for a new plan.
Yep. Ours went from 800 something to just under 1300. Delightful. But we are doing our "fair share" to give it to someone else for free. So there is that.
This is quite a sensitive topic. I'm just look at this thing from the different angle
I will pay my insurance dues. I'll accept it.
Hopefully I will remain healthy and injury free till the day I drop. But..If a catastrophic illness or injury happens, and I ended up in the Intensive Care for 30 days. The estimate cost will be about $120,000 (googled, lol).
Certainly, the monthly premiums in which I have been paying ain't going to be enough to cover the my hospital bills. Payments will have to come from the "insurance pools." Nice to know somebody is paying for me. Thanks!
I will pay my insurance dues. I'll accept it.
Hopefully I will remain healthy and injury free till the day I drop. But..If a catastrophic illness or injury happens, and I ended up in the Intensive Care for 30 days. The estimate cost will be about $120,000 (googled, lol).
Certainly, the monthly premiums in which I have been paying ain't going to be enough to cover the my hospital bills. Payments will have to come from the "insurance pools." Nice to know somebody is paying for me. Thanks!
Kind of makes ya feel all warm and fuzzy inside.... Don't it?
For sure. Based on the current increases, I will be able to provide free insurance for several families next year.
Don't assume the insurance pools you refer to are themselves healthy. Obamacare is a political monstrosity founded on political assumptions, not on financial reality. But as it always does, financial reality trumps wishful thinking. Notice that over half of the Obamacare co-ops have failed and gone out of business, while most of the remaining ones are losing money. See this for more.
Very true. Kentucky is giving up their state program. Just heard this week.
Told ya this was a sensitive topic. The thread lit up again.
I'm feeling warm and fuzzy inside. now.
Thanks Ragman! Lol....
Make sure to double your premium. Others are counting on it. lol
I got the thread going again. Yeah davekc, were paying for everyone!
OK, the ACA is a good idea, but, like anything our government does, to get it passed too many people add their recepie and the stew ends up tasting like krap. The biggest problem with the ACA, IMHO, is after loud complaints our American industry moved on to figure out how to turn it to their advantage. Next will be the reality that if the projected income you put on your application is lower than your actual income the charge back can break you and the IRS will be the bill collector. Finally, whether or not there is an ACA, all the costs accrued for medical bills for people that can't/don't pay is still covered by the paying public, thru taxes or increased insurance rates to those that can afford. I am not a D or an R (used to be) but now an Indy. Or, an R with a conscious.
As an example, back in 2012 I had a difference of opinion with upper management and was put on sick leave. Yup, they said they were sick of me an I should leave! Than had a medical problem and a hospital bill that almost gave me a real Heart Attack. I called them, discussed my lack of income and the state of MD covered me with the help of MD taxpayers. I have NEVER needed or asked for help, but, that taught me to stop assuming everyone that got/needed help was lazy or scamming the system. That is when I became an I.
As an example, back in 2012 I had a difference of opinion with upper management and was put on sick leave. Yup, they said they were sick of me an I should leave! Than had a medical problem and a hospital bill that almost gave me a real Heart Attack. I called them, discussed my lack of income and the state of MD covered me with the help of MD taxpayers. I have NEVER needed or asked for help, but, that taught me to stop assuming everyone that got/needed help was lazy or scamming the system. That is when I became an I.
I look at it this way we can pay twice for insurance or we can pay once. Twice meaning paying full price for insurance and pay our taxes which pays for the other half.
We have our insurance policy in hand and it is the best insurance we have had since leaving our county jobs. The insurance from Blue Cross Blue Shield was going to cost us a little over $1000 a month is costing us a little under $211 a month. That savings for this year plus what I was putting into a HSA will go to our retirement. So far in the past fifteen years we have not had to used insurance for anything and I hope that trend continues.
How can someone that has not needed to use insurance in fifteen years have to pay $1000. a month plus pay into a HSA to cover the deductible just in case we need to use insurance? This year we will be putting the savings of $13,200 above what I was all ready putting into our retirement funds.
Like it or not after talking to others that have been on Obama Care for several years I know we made the right choice for us by calling Trey.
I talked to Trey Walker and this is his direct line as well as his email. He has worked with several drivers in many different states.
[email protected] or call (877) 264-3196.
We have our insurance policy in hand and it is the best insurance we have had since leaving our county jobs. The insurance from Blue Cross Blue Shield was going to cost us a little over $1000 a month is costing us a little under $211 a month. That savings for this year plus what I was putting into a HSA will go to our retirement. So far in the past fifteen years we have not had to used insurance for anything and I hope that trend continues.
How can someone that has not needed to use insurance in fifteen years have to pay $1000. a month plus pay into a HSA to cover the deductible just in case we need to use insurance? This year we will be putting the savings of $13,200 above what I was all ready putting into our retirement funds.
Like it or not after talking to others that have been on Obama Care for several years I know we made the right choice for us by calling Trey.
I talked to Trey Walker and this is his direct line as well as his email. He has worked with several drivers in many different states.
[email protected] or call (877) 264-3196.
You were paying taxes before you got that government subsidized insurance rate. There is no break-even for the country on this. The taxes you pay does not fund your new insurance because the government was already spending more than it takes in. The insurance is an additional expense that increases government deficit spending.
The only way to get the highly-subsidized rate you state is to report a low income. If you have a low income but are also saving an additional $13,200 per year, there is no question about it. You are gaming the system in a way that enriches yourself at public expense.
Since the system allows it, millions of people are doing this, which is why it is only a matter of time before Obamacare collapses; and we're already seeing it happen with the co-ops, over half of which have failed and gone out of business, further adding to the costs other entities must pick up.
A notable feature of Obamacare is the large number of people who have coverage but, because of how the system operates, cannot afford to get the care. The co-payments and deductibles are cost-prohibitive for low-income people. Obama boasts about the millions of people who have insurance that did not have it before. He leaves out the part about many of those same people not getting care.
In addition to the co-ops collapsing, it is also noteworthy that one of the nation's largest insurance companies is talking about leaving Obamacare. United Health Warns it May Exit Obamacare Plans
wayneygogo
Seasoned Expediter
Eminent domain. Social Security and food stamp has not collapsed. you're correct we will continue to borrow money I know and owe the Chinese. The only way to reduce health care use to get the medical industry across the board to agree to a 30% decrease in supplies and labor. Obama try to do that when he first took office by expanding Medicare he had many meetings with doctors organizations they were not willing to concede to lower costs.
There will likely be a switch to a single payer system as what is in place, isn't sustainable. As mentioned, they have already acknowledge that. I would agree that if someone is in the $200 range on premiums, you would have to be reporting a low income to get to that. What I do see happening is a shift to a more European model. To have decent care, you will have to step out of the system. That really has already started. Many places are limiting coverage or just flat won't take the coverage. Our family clinic stop taking new medicare patients. No profit in it so why do it? What the government currently pays is enough to process all the paperwork. You still haven't paid for the doctor yet. There is going to be a awful lot of bumps or we will wind up with basically a two tier system.