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Message
ObamaCare and What kind of people it hurt the most?
Posted on 5/11/17 at 4:27 pm
Posted on 5/11/17 at 4:27 pm
Just curious - I see a lot of people posting how Obamacare have made their insurance plan extremely high. I'm not trying to dispute that or discuss the good or bad of Obamacare. What I am trying to figure out is who did it hurt the most?
As a single male in my middle 20s - Obamacare really didn't do much to my premium. I been with two large companies and my premium has stayed below $100 a month for HDP. My income is fairly high for my age (not to humble brag) as well.
Did it affect primarily families (married couple w/ kids) under or over a certain income level?
As a single male in my middle 20s - Obamacare really didn't do much to my premium. I been with two large companies and my premium has stayed below $100 a month for HDP. My income is fairly high for my age (not to humble brag) as well.
Did it affect primarily families (married couple w/ kids) under or over a certain income level?
Posted on 5/11/17 at 4:30 pm to tissle
quote:
As a single male in my middle 20s
I'm a single male in my mid 20s and had BCBS individual. No prior health issues. My premium went from 140 a month to 240 a month the first year, then up to 299 the second year. So it did hurt people in their 20s
Posted on 5/11/17 at 4:30 pm to tissle
quote:you company probably picked up the difference. i know my last one did the first 2 years when it raised and the 3rd they had to raise.
I been with two large companies and my premium has stayed
Posted on 5/11/17 at 4:31 pm to tissle
People like my family, who make "too much" to get a subsidy, yet have still seen their premiums rise. My parents own a small business, so they have to buy health insurance on an individual basis, rather than getting it through an employer. Our costs next year were set to be over $30,000 for the year before we went to a healthcare sharing healthcare company called Medishare.
This post was edited on 5/11/17 at 4:32 pm
Posted on 5/11/17 at 4:32 pm to tissle
It all depends on who you are.
Do you have great employer coverage that did their best to absorb some of the cost from the mandates? Then it probably didn't affect you.
Are you a small business owner looking to grow but have over 50 employees? It definitely negatively you.
Then there is the change in prescriptions/drs. Personally, my wife was being forced onto some medication that was generic, despite having 2 of her doctors write the insurance company explaining that she HAD to take the certain name brand medications as the others didn't work. This was due to "cost restrictions" imposed during Obamacare. Same thing happens with doctors as well. Thus the whole "you can keep your doctor" lie.
My parents had the same thing happen regarding prescriptions and hearing aids for my dad. It simply made everything cheaper and more unaffordable.
Do you have great employer coverage that did their best to absorb some of the cost from the mandates? Then it probably didn't affect you.
Are you a small business owner looking to grow but have over 50 employees? It definitely negatively you.
Then there is the change in prescriptions/drs. Personally, my wife was being forced onto some medication that was generic, despite having 2 of her doctors write the insurance company explaining that she HAD to take the certain name brand medications as the others didn't work. This was due to "cost restrictions" imposed during Obamacare. Same thing happens with doctors as well. Thus the whole "you can keep your doctor" lie.
My parents had the same thing happen regarding prescriptions and hearing aids for my dad. It simply made everything cheaper and more unaffordable.
Posted on 5/11/17 at 4:34 pm to tissle
My employer absorbed a lot of the increases, but eventually had to pass them on. After that, my monthly premiums went up 10%. I'm in my early 30s, single, and no health issues, but again my employer is large enough to do their own health insurance so we are all grouped in one of a few categories.
Posted on 5/11/17 at 4:48 pm to tissle
Mainly those on the individual market who make too much to qualify for subsidies.
Posted on 5/11/17 at 4:52 pm to BamaAtl
quote:
Mainly those on the individual market who make too much to qualify for subsidies.
Many of which "make too much", but still can't afford their premiums now. I think some people get misled into thinking that just means rich people who can afford the premium increases.
Posted on 5/11/17 at 7:00 pm to BamaAtl
So are you guys saying that my company picked up the tab?
Posted on 5/11/17 at 7:03 pm to tissle
quote:
Did it affect primarily families (married couple w/ kids) under or over a certain income level?
Bigly.
If your company offers individual coverage, but not family coverage, your spouse and children are barred from receiving subsidies. Married couples also lose subsidies at a far lower combined income than cohabiting couples.
Posted on 5/11/17 at 7:18 pm to Bestbank Tiger
My premiums through my company are about $550/month, and my family deductible is $3500, with a $5000 out of pocket max.
I went on the exchange to see what I could get. This was the most cost effective plan I could get. I would be paying essentially $27,000 before my plan would pay me a dime.
I can't afford to quit my job, unless my new employer has an equally generous plan...
ETA: In early 50's with family coverage.
I went on the exchange to see what I could get. This was the most cost effective plan I could get. I would be paying essentially $27,000 before my plan would pay me a dime.
I can't afford to quit my job, unless my new employer has an equally generous plan...
ETA: In early 50's with family coverage.
This post was edited on 5/11/17 at 7:19 pm
Posted on 5/11/17 at 7:20 pm to tissle
Healthy young people are hurt the most. They are the ones who have to subsidize the old, the sick, and the stupid.
Posted on 5/11/17 at 7:32 pm to tissle
Well will tell my story. Most of my life (56 now) I worked my butt off and was able to retire at 55 Although I did well for the last 15 years I ended up retiring and work from home doing several business that bring me about 80 a year in retirement income which I thought would be great since I had everything paid off. Well then I have to start paying my own health insurance. So my rate this year is 1599 a month. And add a 8500 deductible to that. Of course this is the year I have almost used my whole deductible already due to a couple of MRI 's. Which of course the hospital rapes you on. So my insurance expense will be 25000 a year minimum. So if you figure my post tax income at 65 after taxes my insurance makes up 40% of my cost to live. That is totally ridiculous. If I go on welfare and food stamps and get Obamacare subsidies I will almost be better off. But of course I would never stoop to having to depend on the govt. but I am sure there are many stores just as bad. And how many of those getting subsidies do you really think are paying the deductible? I am sure the docs are getting stiffed
Posted on 5/11/17 at 7:45 pm to Jax-Tiger
quote:
I can't afford to quit my job, unless my new employer has an equally generous plan...
Butbutbut Pelosi said Ocare freed us all from job lock!
Posted on 5/11/17 at 7:48 pm to StPeteLSU
quote:
Well will tell my story. Most of my life (56 now) I worked my butt off and was able to retire at 55 Although I did well for the last 15 years I ended up retiring and work from home doing several business that bring me about 80 a year in retirement income which I thought would be great since I had everything paid off. Well then I have to start paying my own health insurance. So my rate this year is 1599 a month. And add a 8500 deductible to that. Of course this is the year I have almost used my whole deductible already due to a couple of MRI 's. Which of course the hospital rapes you on. So my insurance expense will be 25000 a year minimum. So if you figure my post tax income at 65 after taxes my insurance makes up 40% of my cost to live. That is totally ridiculous. If I go on welfare and food stamps and get Obamacare subsidies I will almost be better off. But of course I would never stoop to having to depend on the govt. but I am sure there are many stores just as bad. And how many of those getting subsidies do you really think are paying the deductible? I am sure the docs are getting stiffed
Check into the sharing ministries. They're a lot more affordable.
Posted on 5/11/17 at 7:51 pm to tissle
Congrats. Get ready to pay 20 to 30% for health care. Gross. It shouldn't cost as much as a mortgage.
Posted on 5/11/17 at 7:53 pm to Bestbank Tiger
Does sharing ministries do business in Florida ? I will look it up. I have never heard of it before but anything has to be better than what I have now
Posted on 5/11/17 at 7:54 pm to Gnar Cat21
quote:
I'm a single male in my mid 20s and had BCBS individual. No prior health issues.
Same.
quote:
My premium went from 140 a month to 240 a month the first year, then up to 299 the second year.
Mine was supposed to be 220 or so a month. Instead, I'm being a damn good American and doing my part to destroy that shite of a system.
My premium. Is zero.
frick the ACA
Posted on 5/11/17 at 7:55 pm to tissle
I think it's worth mentioning the millions of younger Americans, 18-25, who were knocked down from full time work to part time work and then forced to pay a higher than market rate for their healthcare to subsidize older and less healthy people. On top of those who remained unemployed or lost their job in cost cutting measures so employers could afford the mandated health insurance. Many young people's career trajectories were greatly altered by this. Hard to make up that lost time and earnings.
Posted on 5/11/17 at 8:02 pm to StPeteLSU
quote:
Does sharing ministries do business in Florida ? I will look it up. I have never heard of it before but anything has to be better than what I have now
I believe so.
There are six of them. None take tobacco users and only Liberty Healthshare doesn't require you to be a practicing Christian.
Medishare, Christian Healthcare Ministries, and Samaritan are three of the others. Can't remember the other two.
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