re: Annual "what did I do wrong to get punished?" thread re: ACA

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wrong. i had a deductible, providers in my network i wanted, and full coverage after i met my deductible

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And surely a severe illness that your then-'insurance' would have covered without dropping you and covering the exact same elements as required by law under the ACA? Yeah, no.

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the biggest jump came before the GOP had the power to do this.

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Again, not insurance to insurance. But the lawsuits began within a week of Obama signing the law, so you're wrong there too.

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i'd still be using that exact same plan today if it was an option. because it's exactly what i need

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And what happens when you become ill?

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are you implying i am too stupid to make my own decisions?

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Absolutely, hell I'll go beyond implying it. You're too stupid to make your own decisions on this.

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i'm not married and a male, so no

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Are you a eunuch? Never going to seek a relationship with anyone of the opposite sex (or even same sex with adoption, you do you)?

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but why does this have to be a legal requirement?

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Because otherwise you create 2 tiers of health insurance - 1 for those who think they don't need certain coverages (until they do), and one who need it. It's a de facto pre-existing condition because of how insurers would price the plans.

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why can't i contract with my insurance companies like i did pre-ACA and not be subject to that risk pool?

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Who do you pay your premiums to? You're still contracting with your insurance company.

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why am i forced, BY LAW (not contract) to pay for things i'll literally never need?

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Because you literally might need them, and because as I explained above allowing them to exclude those who think they'll never need certain requirements from purchasing them drives the price up for those who do need it.

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what did I do wrong to get punished?

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i did well in school, worked hard, went to college and law school. worked up to where i could start my own business. i do a lot of good for a lot of poor people through that job and i even do charity work

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This, you white privileged, cisgender shitlord.

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oh so we're getting into 2nd degree hypothetical here?

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No, we're explaining to you why the plan you liked so much wasn't the same as the one you don't like.

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hell the individual mandate itself almost was ruled illegal so don't act like these were bad suits.

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I'm not commenting on the legal quality of the suits, merely explaining to you that they're directly responsible for some of the price increase you saw.

Also, horseshoes and hand grenades...

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i pay up to my deductible then insurance has my back

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If by 'have your back' you mean they try to find anything you've omitted to drop you, etc, sure.

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i only have sex with women who have health insurance on their own.

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That has to be an awkward tinder pickup line.

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i won't need it.

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You don't know that, and see the argument on 2 tiers.

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why do you think it should be a legal requirement that my plan covers everyone's needs?

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Because that's the way to make it cheaper and useful for everyone.

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why can't i contract with my insurance company to tailor coverage how i want (within their offerings)

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You still can - healthcare.gov.

Or are you under the mistaken impression that health insurance wasn't regulated pre-ACA?

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i'm curious if you have any sort of justification for that intrusion into my privacy and property

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You can't be trusted not to be taken advantage of by predatory companies. You're welcome!

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so you're Ok with me being punished to reward these people?

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I'm okay with you paying a down payment on future health care needs you may require, and keeping costs down for everyone as a result.

Why do you want sick children to not receive care?

Bama ATL has convinced me that everyone who got sick prior to the passage of ACA was immediately dropped from insurance and died from lack of medical care. I forget any of that actually happening but apparently it did.

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No, we're explaining to you why the plan you liked so much wasn't the same as the one you don't like.

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i understand they're different. they also cost a metric frick ton different. sub-$100/mo with a $1500 deductible is a difference in a small luxury sedan car payment (and i get some equity in the car at the end of it)

i'm fine with a Civic option at my age and with my health. it's the rational choice. i'm covered for catastrophic events and will pay out of pocket for primary care. that's a great deal for me, personally. now it's illegal

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I'm not commenting on the legal quality of the suits, merely explaining to you that they're directly responsible for some of the price increase you saw.

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well the ACA was a poorly-drafted law with shitty regs. that has a lot more to do with it (but he suit just highlights these issues)

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That has to be an awkward tinder pickup line.

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it's just discipline

i've passed a lot of "easier now" opportunities in life because the big picture was more important. like foregoing Ivy League universities (that i could not afford) for LSU (where i was paid to go). again, sacrifice that I made to get out of the single parent, lower-middle class situation that I was in.

now i am getting punished for making the optimal decisions and you're not only supporting that, but making fun of me for doing the right thing. you do realize what you're doing, right?

you're literally mocking me making optimal choices while also arguing that i should subsidize people who made lots of sub-optimal choices. in what world is that logical or rational? hell, in what universe is that moral?

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Because that's the way to make it cheaper and useful for everyone.

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so i get punished after making sure i do everything i can to better myself?

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You still can - healthcare.gov.

Or are you under the mistaken impression that health insurance wasn't regulated pre-ACA?

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uh, pre-ACA i could negotiate a plan without maternity, and did

post-ACA we cannot legally do this. you keep avoiding the exact scenario i'm posting of and trying to sound smart by doing so

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You can't be trusted not to be taken advantage of by predatory companies. You're welcome!

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i'm not worried about it. being above a 140 IQ has its perks

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Why do you want sick children to not receive care?

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i never said i didn't

however, people who had more optimal decision trees to follow to avoid putting their children in that position shouldn't be rewarded. they should be punished for their sub-optimal decision making. why do you want to reward people who put their children at this risk?

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And he could fix this easily by announcing he'd sign a bill permanently fixing the CSRs

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he's already done this. he told Congress to figure it out to avoid the illegal CSR payments he had to write an EO over

Congress has to figure this out. Trump said he's waiting to sign their solution

this thread has nothing to do with race and i just RA'd your post

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Of course it isn't, since that's exactly what he's doing.

And he could fix this easily by announcing he'd sign a bill permanently fixing the CSRs - instead, he's off pretending he knows how to spell deal and blowing up real ones

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So why are we all obligated to insure a level of profits for insurers who voluntarily participate in a system that has been defective from the start. A better solution would have been to create an assigned risk program for those shut out of the market and leave the programs that were working for the great majority of us alone.

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this thread has nothing to do with race and i just RA'd your post

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uh, maybe you haven't noticed, but everything has to do with race in the post-Obama presidency

Players kneeling - racial injustice
Terrorism - ME hatred
Trump elected - by a nation of racists

My rates are going up too.... again. Could have bought a second home (more tax revenue), opened a second business (more tax revenue), or invested (more tax revenue). Ours went from $400 a month to $1,700 a month for less coverage and higher deductible. Thanks democrats and fake republicans.