If you like your health insurance, you can keep it your insurance. Period

MunoRN, RN · Oct 31, 2013

will lose policies that have worked somewhat well to absolutely perfectly for them for many years...
Not so much, bankruptcy due to medical bills is the number one cause of bankruptcy in the US. If everyone's insurance was working that well then few if any of these bankruptcies should have occurred to people with health insurance. In reality, about THREE QUARTERS of those bankruptcies occurred with who had health insurance. Part of what the ACA did was to make many more people responsible for their own health risks, which wasn't working without placing some minimum requirements on what could be called "insurance".
No. Just no. It was not about health insurance, it was about power.
Who's power?

MunoRN, RN · Oct 31, 2013

I don't believe this, but even if this is to be true, that isn't how it was sold to the American public.

Then why do you think the costs went up?

MunoRN, RN · Oct 31, 2013

I beg to differ...I just looked up my family....my monthly payout would be from $1,300.00 per month to $3,000.00 per month with a $4,000.00 deductible to get close to the coverage offered through my husbands insurance. I am ill....I am disabled...I don't qualify for "assistance" with my premium (if I needed it)...we "make too much money".
For the gold it is the same premiums with a $10,000.00 deductible.
For silver its a $15,000.00 deductible!!!
ARE YOU KIDDING ME?
A rant from me the other day.....
Then you sign a disclaimer that you have no expectation of privacy??? REALLY?? The government is NOT excluded from HIPAA.
The POTUS stated...If you like your health care..you can keep it.... That is not true.
"You won't have to change doctors" another lie.
The system is fractured..... but the cure is not developing another branch of government to oversee. The poor have free care they have medicaid...that doesn't change. The use and abuse of the system continues because they don't run it like the HMO and PPO will continue changing nothing The government will not use the ACA so it doesn't affect them...it affects again the middle class....the part that is the working poor. The hump their butts at 3 jobs just to make ends meet...they don't qualify for welfare because they actually do work...their jobs offer no insurance....so now they hump their ass waiting table at 3 restaurants to live paycheck to paycheck...only to find themselves now being required to carry insurance...insurance they cannot afford....certainly not to the tune of a thousand dollars a month.
HOW is the helping them? It isn't...it doesn't ....however it does help the government gain money in penalties to line their corrupt pockets...it helps the insurance companies widen their profit margins as the public is forced to buy insurance...helping no one but themselves and their million dollar salaries and yearly bonuses.
I am disabled...I thankfully have insurance through my husbands work. Over night I became unable to work. When you are busting your behind to put food on the table....keep a roof over your head ....ANY EXPENSE is devastating.
You want to help me????? You want to help the WORKING POOR???? The very people who bust their behind with 3 jobs at barely above minimum wage....to still never have enough money payday to pay day.....people who don't take public assistance...and don't qualify by the way because they work....and MAKE THEM...MANDATE THEM to come up with ANY AMOUNT OF MONEY or they will be penalized and fined for MORE MONEY THAT THEY DON"T HAVE...WHO exactly is that benefiting????? That hard working family that lives on the edge of homelessness and HUNGER??? I THINK NOT!
With a $13,000.00 deductible...how is having healthcare insurance benefit them....they are STILL paying out of pocket for healthcare until they have a catastrophic event...$13,000.00 deductible??? How is that benefiting any one??? EXCEPT the insurance company for the monthly bill they expect you to pay and the government for the penalty they impose? tell me how does that help the little guy already struggling to rub two pennies together.....certainly NOT the little guy.

I can't find any state with a Gold plan deductible that is $10,000, the highest I can find for a family is up to $3,000, many Gold plans have no deductible.

The family out of pocket max under the ACA is $12,700, which is usually what defines the bronze plan. So the silver plan deductible can't be more than that, and the main difference between the plans is that the deductible decrease from the bronze level starting point.

The website does not say your health information is not private.

The amount your husband pays for insurance through his employer is only the employee's contribution.

In general though, I agree, too bad we didn't want a public option or single payer, but this is what we get with a privatized insurance system.

MunoRN, RN · Oct 31, 2013

I agree we were all lied to. For instance, I was told that a public option/single payer wasn't better because the free-market could provide whatever product was required at the best price and best service. It appears many of those people are realizing that isn't the case.

Esme12, ASN, BSN, RN · Oct 31, 2013

My current family deductable is $5000. With a silver plan, it will be $3500.
I'd rather see Medicare for All. Obamacare isn't perfect, but it's better than nothing. Right now, nothing is the alternative.

But what is the silver plan costing you per month? The ones I saw were $1300.00 to $3,000.00 per month that is an exorbitant amount of money for those who live paycheck to paycheck

Esme12, ASN, BSN, RN · Oct 31, 2013

I can't find any state with a Gold plan deductible that is $10,000, the highest I can find for a family is up to $3,000, many Gold plans have no deductible.
The family out of pocket max under the ACA is $12,700, which is usually what defines the bronze plan. So the silver plan deductible can't be more than that, and the main difference between the plans is that the deductible decrease from the bronze level starting point.
The website does not say your health information is not private.
The amount your husband pays for insurance through his employer is only the employee's contribution.
In general though, I agree, too bad we didn't want a public option or single payer, but this is what we get with a privatized insurance system.

It is for a family plan and I saw NO!! plans with zero deductible.....the point being a family who is busting their behind every day to barely make ends meet can't afford any new expenses with out catastrophic results.

It's fine and dandy of you have a job...if you aren't sick, if you aren't one paycheck away from homelessness to say the amount out of pocket expense for the bronze plan is $12,700.00 or $13,000.00 (the one I saw was just under $13,000.00 with a monthly payment of approx $989.00) It might as well be a million dollars if you don't have the cash you don't have the cash....and they are forced to pay either way...how is this helping the middle class improve their living.

It benefits no one but big business/hospitals, the government, and insurance companies...in the mean time the working poor, those unable to get welfare because they actually work and try to contribute, will be unable to eat and have a roof over their heads.

How is still having out of pocket expenses to even $12,700.00 going to improve their access to health care...they still can't afford the doctors office charge of $300.00 dollars paid up front until they reach their yearly deductible of thousands of dollars.....even though they are paying close to a thousand dollars A MONTH for that "privilege".

Oh yes....I see how this is helping the little guy.

MunoRN, RN · Oct 31, 2013

But what is the silver plan costing you per month? The ones I saw were $1300.00 to $3,000.00 per month that is an exorbitant amount of money for those who live paycheck to paycheck

A family living "paycheck to paycheck" is going to get a substantial subsidy and won't pay anywhere near that price, unless you consider $90,000 a year to be "paycheck to paycheck".

OCNRN63, RN · Oct 31, 2013

I beg to differ...I just looked up my family....my monthly payout would be from $1,300.00 per month to $3,000.00 per month with a $4,000.00 deductible to get close to the coverage offered through my husbands insurance. I am ill....I am disabled...I don't qualify for "assistance" with my premium (if I needed it)...we "make too much money".
For the gold it is the same premiums with a $10,000.00 deductible.
For silver its a $15,000.00 deductible!!!
ARE YOU KIDDING ME?
A rant from me the other day.....
Then you sign a disclaimer that you have no expectation of privacy??? REALLY?? The government is NOT excluded from HIPAA.
The POTUS stated...If you like your health care..you can keep it.... That is not true.
"You won't have to change doctors" another lie.
The system is fractured..... but the cure is not developing another branch of government to oversee. The poor have free care they have medicaid...that doesn't change. The use and abuse of the system continues because they don't run it like the HMO and PPO will continue changing nothing The government will not use the ACA so it doesn't affect them...it affects again the middle class....the part that is the working poor. The hump their butts at 3 jobs just to make ends meet...they don't qualify for welfare because they actually do work...their jobs offer no insurance....so now they hump their ass waiting table at 3 restaurants to live paycheck to paycheck...only to find themselves now being required to carry insurance...insurance they cannot afford....certainly not to the tune of a thousand dollars a month.
HOW is the helping them? It isn't...it doesn't ....however it does help the government gain money in penalties to line their corrupt pockets...it helps the insurance companies widen their profit margins as the public is forced to buy insurance...helping no one but themselves and their million dollar salaries and yearly bonuses.
I am disabled...I thankfully have insurance through my husbands work. Over night I became unable to work. When you are busting your behind to put food on the table....keep a roof over your head ....ANY EXPENSE is devastating.
You want to help me????? You want to help the WORKING POOR???? The very people who bust their behind with 3 jobs at barely above minimum wage....to still never have enough money payday to pay day.....people who don't take public assistance...and don't qualify by the way because they work....and MAKE THEM...MANDATE THEM to come up with ANY AMOUNT OF MONEY or they will be penalized and fined for MORE MONEY THAT THEY DON"T HAVE...WHO exactly is that benefiting????? That hard working family that lives on the edge of homelessness and HUNGER??? I THINK NOT!
With a $13,000.00 deductible...how is having healthcare insurance benefit them....they are STILL paying out of pocket for healthcare until they have a catastrophic event...$13,000.00 deductible??? How is that benefiting any one??? EXCEPT the insurance company for the monthly bill they expect you to pay and the government for the penalty they impose? tell me how does that help the little guy already struggling to rub two pennies together.....certainly NOT the little guy.

If you qualify for SSDI, why don't you take it? You would be eligible for Medicare after 2 years, so you would only need to purchase a supplemental program, and additional drug coverage if you need it.

I am disabled, too. I don't have someone to fall back on, so I have to mind every $$ that's spent.

MunoRN, RN · Oct 31, 2013

It is for a family plan and I saw NO!! plans with zero deductible.....the point being a family who is busting their behind every day to barely make ends meet can't afford any new expenses with out catastrophic results.
It's fine and dandy of you have a job...if you aren't sick, if you aren't one paycheck away from homelessness to say the amount out of pocket expense for the bronze plan is $12,700.00 or $13,000.00 (the one I saw was just under $13,000.00 with a monthly payment of approx $989.00) It might as well be a million dollars if you don't have the cash you don't have the cash....and they are forced to pay either way...how is this helping the middle class improve their living.

The bronze plan is essentially the catastrophic plan. I agree it's a high deductible, but many people have actually been complaining it's not catastrophic enough.
It benefits no one but big business/hospitals, the government, and insurance companies...in the mean time the working poor, those unable to get welfare because they actually work and try to contribute, will be unable to eat and have a roof over their heads. [/QUote]
The working poor pay little to no premiums with the subsidies.
How is still having out of pocket expenses to even $12,700.00 going to improve their access to health care...they still can't afford the doctors office charge of $300.00 dollars paid up front until they reach their yearly deductible of thousands of dollars.....even though they are paying close to a thousand dollars A MONTH for that "privilege".
Oh yes....I see how this is helping the little guy.
Doctor's office vitis
In every state I'm aware of, the office visit copays are pre-deductible, meaning you only pay the copay even if you haven't met your deductible, and for many visits there's not even a copay.
Single payer/public option is starting to look pretty good isn't it.

OCNRN63, RN · Oct 31, 2013

Deleted.

MunoRN, RN · Oct 31, 2013

It is for a family plan and I saw NO!! plans with zero deductible.....the point being a family who is busting their behind every day to barely make ends meet can't afford any new expenses with out catastrophic results.

The very first plan I clicked on for your state, BMC healthnet, had no deductibles for both the Silver and Gold plans.

tulip5 · Oct 31, 2013

I agree we were all lied to. For instance, I was told that a public option/single payer wasn't better because the free-market could provide whatever product was required at the best price and best service. It appears many of those people are realizing that isn't the case.

This is not a free market.