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Message
People tied to their job because of Health Insurance
Posted on 1/18/17 at 2:01 pm
Posted on 1/18/17 at 2:01 pm
I'm going to debunk the argument that the ACA is freeing people up to switch jobs. This is only true if you are getting free or near-free insurance due to the subsidies. The vast majority of us are more tied to our jobs than ever.
Prior to the ACA, people with pre-existing conditions could not quit their corporate job, because they couldn't get affordable insurance without getting a group rate from an employer. Other people could find a variety of low-cost plans of different types that were affordable and suited their needs.
Fast forward to today. I can't start a business of my own or work for a small company that doesn't provide group rates because the healthcare.gov rates are too high. So what has changed?
What has changed is that this used to only affect those with pre-existing conditions. Now it impacts EVERY American who doesn't qualify for subsidies, which I don't. When I priced it out, I discovered that the cheapest plan available, cost me over $27K before the plan started paying.
Barring a catastrophic illness, I would not get any benefit at all with that plan, while I would be paying at least $14K in premiums - assuming I have zero expenses, which isn't going to happen because of medications that my wife and I take. So I will end up paying about $20K at the minimum, and the only thing covered will be my annual physical. Who can afford that?
Prior to the ACA, people with pre-existing conditions could not quit their corporate job, because they couldn't get affordable insurance without getting a group rate from an employer. Other people could find a variety of low-cost plans of different types that were affordable and suited their needs.
Fast forward to today. I can't start a business of my own or work for a small company that doesn't provide group rates because the healthcare.gov rates are too high. So what has changed?
What has changed is that this used to only affect those with pre-existing conditions. Now it impacts EVERY American who doesn't qualify for subsidies, which I don't. When I priced it out, I discovered that the cheapest plan available, cost me over $27K before the plan started paying.
Barring a catastrophic illness, I would not get any benefit at all with that plan, while I would be paying at least $14K in premiums - assuming I have zero expenses, which isn't going to happen because of medications that my wife and I take. So I will end up paying about $20K at the minimum, and the only thing covered will be my annual physical. Who can afford that?
6
Posted on 1/18/17 at 2:03 pm to Jax-Tiger
Good lord. What state is that plan in?
Posted on 1/18/17 at 2:05 pm to Hugo Stiglitz
It's cheaper than mine in Louisiana, although I have a slightly better deductible.
Posted on 1/18/17 at 2:05 pm to Jax-Tiger
I thought Obamacare would free us from job lock?
Posted on 1/18/17 at 2:06 pm to Hugo Stiglitz
Who cares what state? This shite happens EVERY WHERE.
The ACA was an outright scam from the second it was conceived.
The ACA was an outright scam from the second it was conceived.
Posted on 1/18/17 at 2:08 pm to Hugo Stiglitz
quote:
Good lord. What state is that plan in?
Oregon. Someone told me that Arizona was a lot cheaper, so I priced it. Apparently, it was, but if you recall, Arizona premiums went up over 100% this year (the highest in the country), so now premiums there are even more expensive than Oregon. Both of these are the lowest cost Bronze plans that I could find in the marketplace.
Posted on 1/18/17 at 2:08 pm to Hugo Stiglitz
quote:Oregon. It's because of all the skin rashes from hugging their trees.
Good lord. What state is that plan in?
Posted on 1/18/17 at 2:10 pm to Jax-Tiger
Everyone who says it doesn't impact them is probably still looking at their employer subsidized rates and plans.
If you have to buy your insurance on the healthcare.gov site, can you afford the premiums?
If you have to buy your insurance on the healthcare.gov site, can you afford the premiums?
Posted on 1/18/17 at 2:11 pm to HubbaBubba
quote:
Oregon. It's because of all the skin rashes from hugging their trees.
Apparently, the trees don't affect you as much as hugging cacti in Arizona, or wrestling gators in Louisiana...
Posted on 1/18/17 at 2:24 pm to Jax-Tiger
Almost 39k for insurance, that's insane. Yet liberals are bragging how great ACA is. 
Posted on 1/18/17 at 2:32 pm to Aristo
quote:
Almost 39k for insurance, that's insane. Yet liberals are bragging how great ACA is.
Again, anybody who has coverage from their employer is insulated because their plan is subsidized. If you want to work on your own, and don't qualify for subsidies, then this is what you will pay.
I'm tied to my job, unfortunately...
Posted on 1/18/17 at 2:34 pm to Jax-Tiger
https://www.libertyhealthshare.org/
$150 a month
$500 deductible
100% coverage after up to $1,000,000
First year using it, so we'll see how it goes. No preexisting. I did have to be under a certain weight. I'm also not supposed to drink or smoke.
$150 a month
$500 deductible
100% coverage after up to $1,000,000
First year using it, so we'll see how it goes. No preexisting. I did have to be under a certain weight. I'm also not supposed to drink or smoke.
Posted on 1/18/17 at 2:37 pm to Jax-Tiger
What? The ACA was supposed to cure this! They even created the term "job lock" just to tout this benefit that wasn't really going on as much prior to the ACA.
Posted on 1/18/17 at 2:45 pm to Jax-Tiger
quote:
Prior to the ACA, people with pre-existing conditions could not quit their corporate job, because they couldn't get affordable insurance without getting a group rate from an employer.
Sorry to hijack but this was the one reason that I supported the idea of changing the system back in 2008.
My mom had insurance for over 20 years thru the construction company that my family owned. In 2011 when the economy was in the toilet our company went belly up and we all lost our insurance. She was 59 at the time and had some preexisting conditions. When she tried to buy an individual plan she couldn't afford what BCBS wanted her to pay. I thought that was really phucked up.
However, the ACA was not what I had in mind
Posted on 1/18/17 at 2:56 pm to zatetic
quote:
First year using it, so we'll see how it goes. No preexisting. I did have to be under a certain weight. I'm also not supposed to drink or smoke.
Non-ACA conforming, then? Do you have to pay the penalty if you're on a non-ACA plan?
Posted on 1/18/17 at 2:59 pm to Jeff Boomhauer
quote:
She was 59 at the time and had some preexisting conditions. When she tried to buy an individual plan she couldn't afford what BCBS wanted her to pay. I thought that was really phucked up.
However, the ACA was not what I had in mind
She would have had to take a job in order to get affordable insurance. How have things changes with the ACA? I would imagine that the plans for a 59 year-old would be really expensive.
Posted on 1/18/17 at 3:13 pm to Jax-Tiger
My dad made it clear to me that one of the biggest reasons he stayed at his job rather than go elsewhere for far more money is because his employer's insurance covered my brother's post-cancer follow ups, medications, and treatments. Had that not been the case, he may not have stayed there, though he did, and still does, get a lot of enjoyment out of his job.
Posted on 1/18/17 at 3:26 pm to Jax-Tiger
Well truth be told it is still far cheaper to pay the penalty anyways . But I think I get to use the religious reasoning, since it is a Christian group sort of deal.
. But I think I get to use the religious reasoning, since it is a Christian group sort of deal.Posted on 1/18/17 at 5:42 pm to Jax-Tiger
quote:What if you have your own business, but manage the business so that you only take home $22,000 a year? Could't you get a subsidized plan?
Again, anybody who has coverage from their employer is insulated because their plan is subsidized. If you want to work on your own, and don't qualify for subsidies, then this is what you will pay.
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