Bronze and Silver Obamacare Program are GARBAGE - Liberals let’s not forget this.

[Dale Smith]

Just for chucks and grins, I looked up a plan on the Barrypuppetcare website and the cheapest one for someone that was 50 years old with no pre-existing conditions was 600 dollars a month and a 6K deductible and then only would pay 80 percent. That is called "affordable" to leftards. It was a scam pure and simple. I haven't incurred six thousand dollars in healthcare costs my entire life.There wasn't a snowball's chance in hell that I would have signed on for that load of shit. If I require medical help and I don't have the money to pay for it? I will simply do without.

 

[GHook93]

Co-pays: 60/40 bronze (so after you pay $6500 out of pocket you had to cover 40% of the cost)

No, that's not how that works. Once you hit your out-of-pocket limit, you paying nothing further out-of-pocket (your insurer pays 100% of expenses from that point forward).

That's why it's called an out-of-pocket limit.

Out of pocket limits top $15k


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[deanrd]

The Dimcrats complain that people might lose their insurance. Over 90% elect the bronze or silver. These plans are pure garbage and actually the equivalent of no insurance.

For a single person:
Premiums: $300-700 for Bronze, $400-1000

Deductibles $6500 for bronze; $5000 for Silver (so before the insurer pays $1 you have to meet these entire deductibles!)

Co-pays: 60/40 bronze (so after you pay $6500 out of pocket you had to cover 40% of the cost) and 70/30 for Silver

Doctor visit: $40 gen, $60 spec, $200 IR. The Silver isn’t much better

Doctor availability: very small since many doctors opt out.


These programs are absolutely horrible. These are what 90% if Obaminationcare enrollee get into. It is a travesty and an injustice!

View attachment 167648

This sums up Obama’s Presidency, pure garbage. And this is what liberals want to save!



Sent from my iPhone using USMessageBoard.com

There was nothing before Obamacare.

Then Republicans spent years sabotaging the program and trying to keep millions of Americans from any healthcare at all.

Then after all those years of Republicans fuking it up and fuking it up, they look all wide eyed and innocent and say "See? It doesn't work".

Leaving us worse off than before we started.

Republicans even blame rape victims asking if it was "legitimate rape".



Republicans. No wonder they want to get rid of the EPA. Filthy people who want to live in filth.

 

[Dale Smith]

The Dimcrats complain that people might lose their insurance. Over 90% elect the bronze or silver. These plans are pure garbage and actually the equivalent of no insurance.

For a single person:
Premiums: $300-700 for Bronze, $400-1000

Deductibles $6500 for bronze; $5000 for Silver (so before the insurer pays $1 you have to meet these entire deductibles!)

Co-pays: 60/40 bronze (so after you pay $6500 out of pocket you had to cover 40% of the cost) and 70/30 for Silver

Doctor visit: $40 gen, $60 spec, $200 IR. The Silver isn’t much better

Doctor availability: very small since many doctors opt out.


These programs are absolutely horrible. These are what 90% if Obaminationcare enrollee get into. It is a travesty and an injustice!

View attachment 167648

This sums up Obama’s Presidency, pure garbage. And this is what liberals want to save!



Sent from my iPhone using USMessageBoard.com

There was nothing before Obamacare.

Then Republicans spent years sabotaging the program and trying to keep millions of Americans from any healthcare at all.

Then after all those years of Republicans fuking it up and fuking it up, they look all wide eyed and innocent and say "See? It doesn't work".

Leaving us worse off than before we started.

Republicans even blame rape victims asking if it was "legitimate rape".



Republicans. No wonder they want to get rid of the EPA. Filthy people who want to live in filth.

Remember when Barrypupopetcare passed using backdoor measures with no repub support? Barrypuppet said that repubs were not needed and that they could "come along for the ride but would be riding in the back"..,.....do you recall that? The neocons were not interested in dismantling barrypuppetcare even though they used it to take back the House in 2010 and the Senate in 2014.

What stupid little fucks like you "gloss" over is the insidious way that this socialist program was funded.....like stealing from the middle class and stealing from Fannie Mae and Freddie Mac and it was STILL falling under it's own weight. You are clueless and you seem to take pride in being stupid and ignorant. I can't help you with that.......,.

 

[flacaltenn]

Silver plans are fine. Better than what was available to middle class workers pre-ACA.

Bullshit. Any professional group plan for self-employed was FAR better in terms of out of pocket money. Obama OUTLAWED them. Including mine. Tossed me and most lawyers, dentists, accounts, restaurant owners, consultants, veterinarians - --- into the cess POOL. Any poor person from the "medicaid expansion" into the pool is gonna be financially RUINED if they ever get seriously ill.. It's crap. Poor people ADDED to the pool from Medicaid are getting screwed. Includes a BUNCH of lower middle class folks who now qualify for Medicaid but end up holding these useless policies..

Whoa! You've blown me away with your emotional response. You were tossed into the CESSPOOL!

Poor baby! How did you survive? Did ya pull yourself up by the bootstraps? I'll bet you did! You da man!

Oh yeah.. It's hysterical ain't it? I had a professionally managed and brokered plan with about 150 years of insurance experience to negotiate for me and answer questions. NOW -- I got a broken ass website that looks like it was designed by morons and a "HealthCare Navigator" on a 40 minute hold who was pushing a Hot Dog cart in Brooklyn last week. Guy has NO CLUE what insurance terminology means or how to use a fucking calculator.

It's a blast Laugh it up. Folks are gonna go bankrupt if they ever need to USE this junk insurance. I can AFFORD the deductibles and out of pocket, but they DOUBLE my medical insurance and expenses every year.

Funny shit ain't for a leftist...

You are lying. You have no shame.

Project much? You're the one with no shame. Making fun of the gaping sores you poked into people's lives. It's all a game to you.. None of that is made up.. Not the plans being outlawed or the shitty customer service and help in the "marketplace", not the folks going broke trying to pay BOTH the outrageous premiums and trying to cough up another $$5 or $$8K of deductibles and coinsurance if they actually get sick and need it. MORONS for "navigators" instead of an office full of 150 yrs of insurance expertise. I LIKED my plan, I WANTED to keep it. Obama tossed it into the crapper and ME into his cesspool....

 

[Greenbeard]

Out of pocket limits top $15k

Legally, OOP maximums can't exceed $7,350 in 2018. Even in a family plan that's the limit for an individual person.

Most plans, of course, will have lower OOP maximums than the legal limit.

That's the financial protection you're buying.

 

[GHook93]

The Dimcrats complain that people might lose their insurance. Over 90% elect the bronze or silver. These plans are pure garbage and actually the equivalent of no insurance.

For a single person:
Premiums: $300-700 for Bronze, $400-1000

Deductibles $6500 for bronze; $5000 for Silver (so before the insurer pays $1 you have to meet these entire deductibles!)

Co-pays: 60/40 bronze (so after you pay $6500 out of pocket you had to cover 40% of the cost) and 70/30 for Silver

Doctor visit: $40 gen, $60 spec, $200 IR. The Silver isn’t much better

Doctor availability: very small since many doctors opt out.


These programs are absolutely horrible. These are what 90% if Obaminationcare enrollee get into. It is a travesty and an injustice!

View attachment 167648

This sums up Obama’s Presidency, pure garbage. And this is what liberals want to save!



Sent from my iPhone using USMessageBoard.com

There was nothing before Obamacare.

Then Republicans spent years sabotaging the program and trying to keep millions of Americans from any healthcare at all.

Then after all those years of Republicans fuking it up and fuking it up, they look all wide eyed and innocent and say "See? It doesn't work".

Leaving us worse off than before we started.

Republicans even blame rape victims asking if it was "legitimate rape".



Republicans. No wonder they want to get rid of the EPA. Filthy people who want to live in filth.

Wow you get dumber and dumber!


Sent from my iPhone using USMessageBoard.com

 

[GHook93]

Out of pocket limits top $15k

Legally, OOP maximums can't exceed $7,350 in 2018. Even in a family plan that's the limit for an individual person.

Most plans, of course, will have lower OOP maximums than the legal limit.

That's the financial protection you're buying.

Sorry the $15k is family ($14,700)

2018 ACA Out-Of-Pocket Maximums and Health Savings Account Limits


Sent from my iPhone using USMessageBoard.com

 

[Greenbeard]

Sorry the $15k is family ($14,700)

OOP maximums (like deductibles) are embedded, meaning any individual person in a family plan is only subject to the individual amount--i.e., half the family amount.

If you're in a family plan with a $14.7K family OOP maximum and you rack up $50K in medical bills, your out of pocket cost will be $7,350.

 

[LoneLaugher]

Silver plans are fine. Better than what was available to middle class workers pre-ACA.

Bullshit. Any professional group plan for self-employed was FAR better in terms of out of pocket money. Obama OUTLAWED them. Including mine. Tossed me and most lawyers, dentists, accounts, restaurant owners, consultants, veterinarians - --- into the cess POOL. Any poor person from the "medicaid expansion" into the pool is gonna be financially RUINED if they ever get seriously ill.. It's crap. Poor people ADDED to the pool from Medicaid are getting screwed. Includes a BUNCH of lower middle class folks who now qualify for Medicaid but end up holding these useless policies..

Whoa! You've blown me away with your emotional response. You were tossed into the CESSPOOL!

Poor baby! How did you survive? Did ya pull yourself up by the bootstraps? I'll bet you did! You da man!

Oh yeah.. It's hysterical ain't it? I had a professionally managed and brokered plan with about 150 years of insurance experience to negotiate for me and answer questions. NOW -- I got a broken ass website that looks like it was designed by morons and a "HealthCare Navigator" on a 40 minute hold who was pushing a Hot Dog cart in Brooklyn last week. Guy has NO CLUE what insurance terminology means or how to use a fucking calculator.

It's a blast Laugh it up. Folks are gonna go bankrupt if they ever need to USE this junk insurance. I can AFFORD the deductibles and out of pocket, but they DOUBLE my medical insurance and expenses every year.

Funny shit ain't for a leftist...

You are lying. You have no shame.

Project much? You're the one with no shame. Making fun of the gaping sores you poked into people's lives. It's all a game to you.. None of that is made up.. Not the plans being outlawed or the shitty customer service and help in the "marketplace", not the folks going broke trying to pay BOTH the outrageous premiums and trying to cough up another $$5 or $$8K of deductibles and coinsurance if they actually get sick and need it. MORONS for "navigators" instead of an office full of 150 yrs of insurance expertise. I LIKED my plan, I WANTED to keep it. Obama tossed it into the crapper and ME into his cesspool....

Incorrect. All of it.

 

[beagle9]

Perhaps there was a way around the rule....say your coworker refused to buy a policy for himself through work, and was paying the penalty for not getting insurance each year, and his wife did not work and had no means to get healthcare at all because he refused to buy health insurance through his work for himself, his wife might have been able to get insurance on the exchange....because she had no outlet to buy health insurance.....?

this is a big IF, so I am not certain even under that scenario it's even possible, but it seems like it could be possible, if he is refusing to buy a policy through his work.....and is willing to go without any insurance at all, for himself and was paying the mandate penalty for not having insurance for himself....?

. He has coverage at work for himself, but adding her was to expensive. So he and her purchased an ACA policy for her that he paid for out of his own savings account. They have to pay a fine if she doesn't have Healthcare coverage of some kind. Ok, so after they tried to use the policy, they found it wasn't any good because it was very limited in the type of coverage allowed so they dropped it. They began paying the fines after that because she had no health insurance coverage. He has it through the job on himself, but can't afford the coverage if we're to add her to the plan at work.

The ACA Exchange, REJECTS anyone who can get on an insurance policy through their spouse's work... as far as getting subsidies is concerned.

EVEN IF IT IS TOO EXPENSIVE, for the spouse to be on the plan at the spouse's work.

His wife can purchase insurance on the exchange WITHOUT any subsidy help....and without any subsidy help, the insurance plan on the exchange would be even MORE EXPENSIVE than if he had added her to his work plan.

so, yes she can get a policy on the exchange WITHOUT any subsidy help....but that is just fruitless for them to do, because the exchange would be unaffordable for her, without the subsidies imo.

. That must be what happened then. She or he bought the plan for her and it came without subsidies I guess or as is according to you. Ok, but why was the plan rejected by medical facilities or they were directed to specific ones that were lower in quality because of the plan she had ? I mean they were paying $600.00 dollars a month, and the plan wasn't any good ?? So was it rejected because the medical field knew that it had no subsidies associated with it as you say ??

 

[LoneLaugher]

Perhaps there was a way around the rule....say your coworker refused to buy a policy for himself through work, and was paying the penalty for not getting insurance each year, and his wife did not work and had no means to get healthcare at all because he refused to buy health insurance through his work for himself, his wife might have been able to get insurance on the exchange....because she had no outlet to buy health insurance.....?

this is a big IF, so I am not certain even under that scenario it's even possible, but it seems like it could be possible, if he is refusing to buy a policy through his work.....and is willing to go without any insurance at all, for himself and was paying the mandate penalty for not having insurance for himself....?

. He has coverage at work for himself, but adding her was to expensive. So he and her purchased an ACA policy for her that he paid for out of his own savings account. They have to pay a fine if she doesn't have Healthcare coverage of some kind. Ok, so after they tried to use the policy, they found it wasn't any good because it was very limited in the type of coverage allowed so they dropped it. They began paying the fines after that because she had no health insurance coverage. He has it through the job on himself, but can't afford the coverage if we're to add her to the plan at work.

The ACA Exchange, REJECTS anyone who can get on an insurance policy through their spouse's work... as far as getting subsidies is concerned.

EVEN IF IT IS TOO EXPENSIVE, for the spouse to be on the plan at the spouse's work.

His wife can purchase insurance on the exchange WITHOUT any subsidy help....and without any subsidy help, the insurance plan on the exchange would be even MORE EXPENSIVE than if he had added her to his work plan.

so, yes she can get a policy on the exchange WITHOUT any subsidy help....but that is just fruitless for them to do, because the exchange would be unaffordable for her, without the subsidies imo.

. That must be what happened then. She or he bought the plan for her and it came without subsidies I guess or as is according to you. Ok, but why was the plan rejected by medical facilities or they were directed to specific ones that were lower in quality because of the plan she had ? I mean they were paying $600.00 dollars a month, and the plan wasn't any good ?? So was it rejected because the medical field knew that it had no subsidies associated with it as you say ??

You are misinformed or lying.

 

[beagle9]

Silver plans are fine. Better than what was available to middle class workers pre-ACA.

Bullshit. Any professional group plan for self-employed was FAR better in terms of out of pocket money. Obama OUTLAWED them. Including mine. Tossed me and most lawyers, dentists, accounts, restaurant owners, consultants, veterinarians - --- into the cess POOL. Any poor person from the "medicaid expansion" into the pool is gonna be financially RUINED if they ever get seriously ill.. It's crap. Poor people ADDED to the pool from Medicaid are getting screwed. Includes a BUNCH of lower middle class folks who now qualify for Medicaid but end up holding these useless policies..

Whoa! You've blown me away with your emotional response. You were tossed into the CESSPOOL!

Poor baby! How did you survive? Did ya pull yourself up by the bootstraps? I'll bet you did! You da man!

Oh yeah.. It's hysterical ain't it? I had a professionally managed and brokered plan with about 150 years of insurance experience to negotiate for me and answer questions. NOW -- I got a broken ass website that looks like it was designed by morons and a "HealthCare Navigator" on a 40 minute hold who was pushing a Hot Dog cart in Brooklyn last week. Guy has NO CLUE what insurance terminology means or how to use a fucking calculator.

It's a blast Laugh it up. Folks are gonna go bankrupt if they ever need to USE this junk insurance. I can AFFORD the deductibles and out of pocket, but they DOUBLE my medical insurance and expenses every year.

Funny shit ain't for a leftist...

. Sounds like all of it is just another hidden wealth redistribution scheme when talk about the bankrupting part of it. Hmmmm.

 

[Fort Fun Indiana]

Co-pays: 60/40 bronze (so after you pay $6500 out of pocket you had to cover 40% of the cost)

No, that's not how that works. Once you hit your out-of-pocket limit, you paying nothing further out-of-pocket (your insurer pays 100% of expenses from that point forward).

That's why it's called an out-of-pocket limit.

The maximum out of pocket limit for 2017 is $7,150 for an individual or $14,300 for a family. So in this example the individual pays 100% out of pocket up front for the deductible of $6,500, then 40% until the remaining $600 of the maximum out of pocket per year is paid, then the insurance company pays 100%. Of course they also have to pay their premiums so monthly premiums plus up to $7,150 per year.

Okay, but you didnt finish your thought. Compare those expenses to all of it being out of pocket. Maybe use a compound fracture of the leg requiring surgery and physical therapy. Estimated cost: $50,000.

Your point is?

Uh...kinda hard to miss...one number is much larger than the other...

 

[beagle9]

Perhaps there was a way around the rule....say your coworker refused to buy a policy for himself through work, and was paying the penalty for not getting insurance each year, and his wife did not work and had no means to get healthcare at all because he refused to buy health insurance through his work for himself, his wife might have been able to get insurance on the exchange....because she had no outlet to buy health insurance.....?

this is a big IF, so I am not certain even under that scenario it's even possible, but it seems like it could be possible, if he is refusing to buy a policy through his work.....and is willing to go without any insurance at all, for himself and was paying the mandate penalty for not having insurance for himself....?

. He has coverage at work for himself, but adding her was to expensive. So he and her purchased an ACA policy for her that he paid for out of his own savings account. They have to pay a fine if she doesn't have Healthcare coverage of some kind. Ok, so after they tried to use the policy, they found it wasn't any good because it was very limited in the type of coverage allowed so they dropped it. They began paying the fines after that because she had no health insurance coverage. He has it through the job on himself, but can't afford the coverage if we're to add her to the plan at work.

The ACA Exchange, REJECTS anyone who can get on an insurance policy through their spouse's work... as far as getting subsidies is concerned.

EVEN IF IT IS TOO EXPENSIVE, for the spouse to be on the plan at the spouse's work.

His wife can purchase insurance on the exchange WITHOUT any subsidy help....and without any subsidy help, the insurance plan on the exchange would be even MORE EXPENSIVE than if he had added her to his work plan.

so, yes she can get a policy on the exchange WITHOUT any subsidy help....but that is just fruitless for them to do, because the exchange would be unaffordable for her, without the subsidies imo.

. That must be what happened then. She or he bought the plan for her and it came without subsidies I guess or as is according to you. Ok, but why was the plan rejected by medical facilities or they were directed to specific ones that were lower in quality because of the plan she had ? I mean they were paying $600.00 dollars a month, and the plan wasn't any good ?? So was it rejected because the medical field knew that it had no subsidies associated with it as you say ??

You are misinformed or lying.

. Care to tell me where it is that I am misinformed or that I'm lying ?

 

[Fort Fun Indiana]

Just for chucks and grins, I looked up a plan on the Barrypuppetcare website and the cheapest one for someone that was 50 years old with no pre-existing conditions was 600 dollars a month

You are a shameless little liar, Dale. You never looked up anything. Here are the prices (subtract about $100/month tax credit, if you only make $40K/year):

Health insurance plans & prices | HealthCare.gov

 

[Fort Fun Indiana]

Perhaps there was a way around the rule....say your coworker refused to buy a policy for himself through work, and was paying the penalty for not getting insurance each year, and his wife did not work and had no means to get healthcare at all because he refused to buy health insurance through his work for himself, his wife might have been able to get insurance on the exchange....because she had no outlet to buy health insurance.....?

this is a big IF, so I am not certain even under that scenario it's even possible, but it seems like it could be possible, if he is refusing to buy a policy through his work.....and is willing to go without any insurance at all, for himself and was paying the mandate penalty for not having insurance for himself....?

. He has coverage at work for himself, but adding her was to expensive. So he and her purchased an ACA policy for her that he paid for out of his own savings account. They have to pay a fine if she doesn't have Healthcare coverage of some kind. Ok, so after they tried to use the policy, they found it wasn't any good because it was very limited in the type of coverage allowed so they dropped it. They began paying the fines after that because she had no health insurance coverage. He has it through the job on himself, but can't afford the coverage if we're to add her to the plan at work.

The ACA Exchange, REJECTS anyone who can get on an insurance policy through their spouse's work... as far as getting subsidies is concerned.

EVEN IF IT IS TOO EXPENSIVE, for the spouse to be on the plan at the spouse's work.

His wife can purchase insurance on the exchange WITHOUT any subsidy help....and without any subsidy help, the insurance plan on the exchange would be even MORE EXPENSIVE than if he had added her to his work plan.

so, yes she can get a policy on the exchange WITHOUT any subsidy help....but that is just fruitless for them to do, because the exchange would be unaffordable for her, without the subsidies imo.

. That must be what happened then. She or he bought the plan for her and it came without subsidies I guess or as is according to you. Ok, but why was the plan rejected by medical facilities or they were directed to specific ones that were lower in quality because of the plan she had ? I mean they were paying $600.00 dollars a month, and the plan wasn't any good ?? So was it rejected because the medical field knew that it had no subsidies associated with it as you say ??

You are misinformed or lying.

. Care to tell me where it is that I am misinformed or that I'm lying ?

I will say that it's easy to find anecdotes like this... always "a friend of a friend", or some such nonsense.

 

[Fort Fun Indiana]

Silver plans are fine. Better than what was available to middle class workers pre-ACA.

Bullshit. Any professional group plan for self-employed was FAR better in terms of out of pocket money. Obama OUTLAWED them. Including mine. Tossed me and most lawyers, dentists, accounts, restaurant owners, consultants, veterinarians - --- into the cess POOL. Any poor person from the "medicaid expansion" into the pool is gonna be financially RUINED if they ever get seriously ill.. It's crap. Poor people ADDED to the pool from Medicaid are getting screwed. Includes a BUNCH of lower middle class folks who now qualify for Medicaid but end up holding these useless policies..

Whoa! You've blown me away with your emotional response. You were tossed into the CESSPOOL!

Poor baby! How did you survive? Did ya pull yourself up by the bootstraps? I'll bet you did! You da man!

Oh yeah.. It's hysterical ain't it? I had a professionally managed and brokered plan with about 150 years of insurance experience to negotiate for me and answer questions. NOW -- I got a broken ass website that looks like it was designed by morons and a "HealthCare Navigator" on a 40 minute hold who was pushing a Hot Dog cart in Brooklyn last week. Guy has NO CLUE what insurance terminology means or how to use a fucking calculator.

It's a blast Laugh it up. Folks are gonna go bankrupt if they ever need to USE this junk insurance. I can AFFORD the deductibles and out of pocket, but they DOUBLE my medical insurance and expenses every year.

Funny shit ain't for a leftist...

. Sounds like all of it is just another hidden wealth redistribution scheme when talk about the bankrupting part of it. Hmmmm.

Don't believe that charlatan.... health insurance doesn't bankrupt anyone, NOT having health insurance bankrupts people.

 

[LoneLaugher]

Perhaps there was a way around the rule....say your coworker refused to buy a policy for himself through work, and was paying the penalty for not getting insurance each year, and his wife did not work and had no means to get healthcare at all because he refused to buy health insurance through his work for himself, his wife might have been able to get insurance on the exchange....because she had no outlet to buy health insurance.....?

this is a big IF, so I am not certain even under that scenario it's even possible, but it seems like it could be possible, if he is refusing to buy a policy through his work.....and is willing to go without any insurance at all, for himself and was paying the mandate penalty for not having insurance for himself....?

. He has coverage at work for himself, but adding her was to expensive. So he and her purchased an ACA policy for her that he paid for out of his own savings account. They have to pay a fine if she doesn't have Healthcare coverage of some kind. Ok, so after they tried to use the policy, they found it wasn't any good because it was very limited in the type of coverage allowed so they dropped it. They began paying the fines after that because she had no health insurance coverage. He has it through the job on himself, but can't afford the coverage if we're to add her to the plan at work.

The ACA Exchange, REJECTS anyone who can get on an insurance policy through their spouse's work... as far as getting subsidies is concerned.

EVEN IF IT IS TOO EXPENSIVE, for the spouse to be on the plan at the spouse's work.

His wife can purchase insurance on the exchange WITHOUT any subsidy help....and without any subsidy help, the insurance plan on the exchange would be even MORE EXPENSIVE than if he had added her to his work plan.

so, yes she can get a policy on the exchange WITHOUT any subsidy help....but that is just fruitless for them to do, because the exchange would be unaffordable for her, without the subsidies imo.

. That must be what happened then. She or he bought the plan for her and it came without subsidies I guess or as is according to you. Ok, but why was the plan rejected by medical facilities or they were directed to specific ones that were lower in quality because of the plan she had ? I mean they were paying $600.00 dollars a month, and the plan wasn't any good ?? So was it rejected because the medical field knew that it had no subsidies associated with it as you say ??

You are misinformed or lying.

. Care to tell me where it is that I am misinformed or that I'm lying ?

I already have.

Your neighbor's wife did not buy a plan on the ACA exchange only to be refused medical care. There is no such thing as an ACA approved plan that isn't any good.

 

[beagle9]

. He has coverage at work for himself, but adding her was to expensive. So he and her purchased an ACA policy for her that he paid for out of his own savings account. They have to pay a fine if she doesn't have Healthcare coverage of some kind. Ok, so after they tried to use the policy, they found it wasn't any good because it was very limited in the type of coverage allowed so they dropped it. They began paying the fines after that because she had no health insurance coverage. He has it through the job on himself, but can't afford the coverage if we're to add her to the plan at work.

The ACA Exchange, REJECTS anyone who can get on an insurance policy through their spouse's work... as far as getting subsidies is concerned.

EVEN IF IT IS TOO EXPENSIVE, for the spouse to be on the plan at the spouse's work.

His wife can purchase insurance on the exchange WITHOUT any subsidy help....and without any subsidy help, the insurance plan on the exchange would be even MORE EXPENSIVE than if he had added her to his work plan.

so, yes she can get a policy on the exchange WITHOUT any subsidy help....but that is just fruitless for them to do, because the exchange would be unaffordable for her, without the subsidies imo.

. That must be what happened then. She or he bought the plan for her and it came without subsidies I guess or as is according to you. Ok, but why was the plan rejected by medical facilities or they were directed to specific ones that were lower in quality because of the plan she had ? I mean they were paying $600.00 dollars a month, and the plan wasn't any good ?? So was it rejected because the medical field knew that it had no subsidies associated with it as you say ??

You are misinformed or lying.

. Care to tell me where it is that I am misinformed or that I'm lying ?

I already have.

Your neighbor's wife did not buy a plan on the ACA exchange only to be refused medical care. There is no such thing as an ACA approved plan that isn't any good.

. So your saying that medical facilities that provide specialized care for specific problems aren't telling a person with an ACA plan that they don't accept that insurance ?? Because that's what took place, and then his wife had to go to a facility or Doctor that did take the insurance, but they felt that the care would be far less on what they were hoping for, and it was far less than they were hoping for.

Now what ?

So they can't see the specialist of choice right ? Kind of like "you can keep your plan or doctor" right ?? That was a proven huge lie wasn't it ?? So where am I lying now ??