โApr-20-2015 04:02 PM
โApr-26-2015 12:55 PM
โApr-25-2015 09:07 PM
BarbaraOK wrote:
I'd be very leery of the 'health share' type of coverage. Make sure you know what happens if someone has a heart attack and requires 3-4 bypasses or is diagnosed with cancer requiring surgery, radiotherapy and chemotherapy. You will approach ยฝ million rather quickly. Unless there is some form of underwriting for this type of thing, the whole arrangement could go south very, very fast.
โApr-25-2015 05:36 PM
โApr-21-2015 05:53 PM
Barb & Dave O'Keeffe - full-timing since 2006
Figment II
(2002 Alpine 36 MDDS) ๐โApr-21-2015 10:08 AM
westernrvparkowner wrote:
But it (the ACA) is really the only game in town.
โApr-21-2015 09:26 AM
westernrvparkowner wrote:. Why are you mixing income tax with health care cost? You just didn't see the health care costs before because they were paid by your employer, with less income to you. No pre-existing illness making you uninsurable, no lifetime caps, etc. make things better for those that need individual plans.
My problems with the ACA is first of all it is very misleading.
ACA stands for Affordable Care Act. Unless you are at the very lowest income levels, the coverages are no where near affordable for the average American. A couple in their 50s making around $50,000 gross a year would have a subsidized premium in excess of $500 per month and deductibles around $5000 per person, per year. Factor in taxes on their income of around 20% that would bring total costs of healthcare for a year to nearly 40% of their take home pay. That cannot be called Affordable in anyone's book.j
My second problem is the subsidies appear to be very stair-stepped. Make 1 penny more than some percentage of the poverty level and you suddenly find your deductible going from $500 to $5000. Make less than the poverty level you get dumped into Medicaid, which has a federally mandated clawback provision meaning the government will come after your estate for the benefits paid, that isn't insurance.If you have assets then yes, that will get 'clawed back, Medicaid is for those without assets & income. The poorest of the poor. Always has been.
The ACA basically uses premiums that are too high for the younger workers to subsidize the premiums that are too low for the older workers. To many that is patently unfair. Furthermore, the law requires coverage that many people find morally offensive.. Spreading the risk is what ALL insurance is about.
Barb & Dave O'Keeffe - full-timing since 2006
Figment II
(2002 Alpine 36 MDDS) ๐โApr-21-2015 09:13 AM
โApr-21-2015 09:10 AM
โApr-21-2015 07:59 AM
โApr-21-2015 03:20 AM
โApr-21-2015 03:00 AM
โApr-20-2015 10:31 PM
darsben wrote:
If I were you I would pay the high price instead of taking the Obamacare policy that way your integrity will not suffer although you pocket book will.
โApr-20-2015 07:32 PM
โApr-20-2015 07:30 PM