Affordable Care Act (*****care) and Why it Sucks

[1bad65]

Without the AHCA, the rate would be about 20% higher. WIthout the AHCA, without insurance, that $7,150 deductible could be a bill in excess of $150k.

Conjecture.

So for fun, how about you source those figures?

[Furn]

Seems very expensive, i paid about $1500 in medicare levy on about 90k back when i used to work.

That covers every thing in hospital expect some really rare new treatments and theres a wait for a lot of non-urgent stuff but its completely free for everyone, as is seeing a doctor.

I just have extras cover which is like $10 a week for physio and dental and stuff.

Sounds like its actually cheaper for the average guy to have national health cover for everyone.

[The Big Dunn]

I want to give you folks here and in other countries an idea of how much of a disaster this thing is, and why it needs to be repealed as soon as possible. Here is an example of a Bronze package plan (which is the starting plan) for a young single male who makes 45K+.

Your premium (monthly payment) is on average $258.

Your deductible (amount you have to pay before *****care kicks in for bills) is $7,150.

So what this means is that not only do you pay $258 a month ($3,096 a year), but God forbid you land in the hospital you will still have to pay an additional $7,150 before your healthcare kicks in, so if you land in the hospital in December that's means you will pay over $10,000 before *****care starts paying for health care.

Now say you make $25,000 a year, well your monthly premium will be about $50 a month, but your deductible is still $7,150! You still will need to pay over $7000 before you get serious assistance.

Jim:

What do you think of he town halls we've been seeing where people want to keep their healthcare?

[JimRaynor]

Jim:

What do you think of he town halls we've been seeing where people want to keep their healthcare?

The people at the town halls who want to keep their *****care have to pay almost nothing for it. If they're making less than 30K a year or less they pay about $35-40 a month and their deductible is much lower. So yeah I can see why some folks would definitely want to keep *****care, however those people do not speak for the larger USA population who is subsidizing their low premiums. Someone like me has to pay $250 a month and have a much higher deductible, how is that fair.

Second, there are popular things that could be left within *****care like pre existing conditions not being an automatic dis qualifier, and kids staying on their parents insurance until 26, which I am sure is what a lot of folks at that town hall are protesting for according to your link. *****care is half a$$ed, either go full blown medicare for all, or open competition to each insurance company to be able to do business across state lines.

[SilverMiles]

The people at the town halls who want to keep their *****care have to pay almost nothing for it. If they're making less than 30K a year or less they pay about $35-40 a month and their deductible is much lower. So yeah I can see why some folks would definitely want to keep *****care, however those people do not speak for the larger USA population who is subsidizing their low premiums. Someone like me has to pay $250 a month and have a much higher deductible, how is that fair.

Second, there are popular things that could be left within *****care like pre existing conditions not being an automatic dis qualifier, and kids staying on their parents insurance until 26, which I am sure is what a lot of folks at that town hall are protesting for according to your link. *****care is half a$$ed, either go full blown medicare for all, or open competition to each insurance company to be able to do business across state lines.

The 26 year old thing is silly, The government should just remove regulations that prevent insurance companies from allowing parents to keep their kids on their plan. It shouldn't be the governments business how long I keep my kid on my insurance.

And I also should be able to put my parents on my health insurance if I choose to do so.

[The Big Dunn]

The people at the town halls who want to keep their *****care have to pay almost nothing for it. If they're making less than 30K a year or less they pay about $35-40 a month and their deductible is much lower. So yeah I can see why some folks would definitely want to keep *****care, however those people do not speak for the larger USA population who is subsidizing their low premiums. Someone like me has to pay $250 a month and have a much higher deductible, how is that fair.

Second, there are popular things that could be left within *****care like pre existing conditions not being an automatic dis qualifier, and kids staying on their parents insurance until 26, which I am sure is what a lot of folks at that town hall are protesting for according to your link. *****care is half a$$ed, either go full blown medicare for all, or open competition to each insurance company to be able to do business across state lines.

As to fairness, what would the cost be with no healthcare or before *****care was enacted?

I think there are some things that need to be fixed as well. But once ********** governors allow implementation, it appears from all accounts that more people in the system eases costs.

I hope whatever replaces *****care works out for you.

[2shameless]

It doesn't suck as bad as the ********** degenerates who refuse to repeal it. Repeal would only take 50 votes in the senate, plus Pence. Replace will take 60, which is only going to happen if the replacement is even worse.

[JimRaynor]

As to fairness, what would the cost be with no healthcare or before *****care was enacted?

I think there are some things that need to be fixed as well. But once ********** governors allow implementation, it appears from all accounts that more people in the system eases costs.

I hope whatever replaces *****care works out for you.

Before *****care the cost for me would've been in the area of around $170-200 a month, however with a deductible of like $1000-2000 with far more coverage and better co pay.

What *****care did in order to make it affordable, was raise my costs and everyone similar to me, in order to subsidize ie. lower the costs of the poorer folk. And they added on that penalty that everyone had to pay if they didn't have health insurance in order to subsidize people being able to get health coverage with pre existing conditions.

In my opinion the best solution is for government to offer some sort of basic health insurance to everyone who would be taxed for it, and those who want something better can purchase their own better quality insurance and use it as a tax write off.

[The Big Dunn]

Before *****care the cost for me would've been in the area of around $170-200 a month, however with a deductible of like $1000-2000 with far more coverage and better co pay.

What *****care did in order to make it affordable, was raise my costs and everyone similar to me, in order to subsidize ie. lower the costs of the poorer folk. And they added on that penalty that everyone had to pay if they didn't have health insurance in order to subsidize people being able to get health coverage with pre existing conditions.

In my opinion the best solution is for government to offer some sort of basic health insurance to everyone who would be taxed for it, and those who want something better can purchase their own better quality insurance and use it as a tax write off.

Not a bad idea.