Damn! My health Insurance went up anther $60 a month. Obamacare sucks!

[Care4all]

And another thing Mr.H .... have you considered buying a Catastrophic/hospitalization plan and paying the penalty for not being ACA compliant? You could possibly come out ahead...

 

[Jroc]

Simple fix. open up states to more competition...Less crony government, fake capitalism is a good thing is a good thing

why is it that COnservatards never have a solution that doesn't involve the rich being able to make more money.

Here's why that's kind of a stupid idea. Some out of state outfit that got licensed in NV but could never be licensed in IL because we actually still protect our consumers here, what's their recourse if the insurance company cheats them?

Everybody is out to fuck over poor little Joey I think you're full of shit actually. the federal government doesn't give a shit about you.

 

[Jroc]

Liberty is the movement learn it.... it's not a hard concept even for you

The problem is, when you guys talk about "Liberty", it usually means the haves fucking over the have-nots or have lesses.

Pass.

 

[Jroc]

After careful consideration and much consternation, I decided that I have no choice but to enter the ACA Marketplace and sign up for a subsidized policy. Hear me out...

Subsidies are only available through this Marketplace. Yes, I have an ACA-compliant policy through my current insurer but they just today raised my premium to $921/month. A subsidized policy through the Marketplace (Silver) is just over $600/month.

The Crux of this Biscuit is that in order to qualify for the reduced premium, I can not claim an Adjusted Gross Income greater than $79,000/year. After crunching the numbers, I believe it's going to be close. I'm in a serious cash-flow crunch and it's not going to get better any time soon. SO, the chance that I am taking here is this - at the end of the year IF my AGI exceeds the $79K threshold, the IRS will bill me for the difference in those two premiums.

It's a chance I have to take. I can only afford to worry about this a year from now.

Fuck it all.

And the thing to remember is this- many of those who were on "Marketplace" policies in 2014 are going to get this very same rude awakening when they file their tax returns. IF they exceeded their AGI thresholds, they are going to get hammered by the IRS.

You fucking Democrats passed this shit, us right wing kooks didn't. Fuck you too.

Sorry but it's unlikely you'll get any subsidy with your income...Good luck though. Did your state set up an exchange?

 

[Jroc]

And another thing Mr.H .... have you considered buying a Catastrophic/hospitalization plan and paying the penalty for not being ACA compliant? You could possibly come out ahead...

Yeah? look at all the bullshit he has to go through now. This Obamacare shit is fucking up the whole system for people who were able to buy their own insurance. Now look at the kind of bullshit he has to go through, and most likely you can't buy a catastrophic policy anymore, they can't even sell them. not allowed under Obamacare

 

[Care4all]

And another thing Mr.H .... have you considered buying a Catastrophic/hospitalization plan and paying the penalty for not being ACA compliant? You could possibly come out ahead...

Yeah? look at all the bullshit he has to go through now. This Obamacare shit is fucking up the whole system for people who were able to buy their own insurance. Now look at the kind of bullshit he has to go through, and most likely you can't buy a catastrophic policy anymore, they can't even sell them. not allowed under Obamacare

they can sell them, they are not illegal, I looked it up yesterday...you can still buy them.... he would have to pay the penalty for not being ACA compliant, but they are available to buy.

 

[Care4all]

After careful consideration and much consternation, I decided that I have no choice but to enter the ACA Marketplace and sign up for a subsidized policy. Hear me out...

Subsidies are only available through this Marketplace. Yes, I have an ACA-compliant policy through my current insurer but they just today raised my premium to $921/month. A subsidized policy through the Marketplace (Silver) is just over $600/month.

The Crux of this Biscuit is that in order to qualify for the reduced premium, I can not claim an Adjusted Gross Income greater than $79,000/year. After crunching the numbers, I believe it's going to be close. I'm in a serious cash-flow crunch and it's not going to get better any time soon. SO, the chance that I am taking here is this - at the end of the year IF my AGI exceeds the $79K threshold, the IRS will bill me for the difference in those two premiums.

It's a chance I have to take. I can only afford to worry about this a year from now.

Fuck it all.

And the thing to remember is this- many of those who were on "Marketplace" policies in 2014 are going to get this very same rude awakening when they file their tax returns. IF they exceeded their AGI thresholds, they are going to get hammered by the IRS.

You fucking Democrats passed this shit, us right wing kooks didn't. Fuck you too.

Sorry but it's unlikely you'll get any subsidy with your income...Good luck though. Did your state set up an exchange?

You are wrong on this:
I just looked up my State Exchange, making $79k a year, with a family of 3, and he would be eligible for $457 a month in tax credits (subsidy)

• Silver PPO
• National Provider Network
• Plan ID: 33653ME0040001

Estimated monthly premium
$632

• Number of people covered: 3
• Premium before tax credit: $1,089

Estimated deductible
$4,000 Estimated family total

Estimated out-of-pocket maximum
$13,200 Estimated family total

Copayments / Coinsurance

• Primary doctor: $30
• Specialist doctor: $80
• Emergency room care: $500
• Generic drugs: $15

• Summary of Benefits
• Plan brochure
• Provider directory
• List of covered drugs

 

[Jroc]

After careful consideration and much consternation, I decided that I have no choice but to enter the ACA Marketplace and sign up for a subsidized policy. Hear me out...

Subsidies are only available through this Marketplace. Yes, I have an ACA-compliant policy through my current insurer but they just today raised my premium to $921/month. A subsidized policy through the Marketplace (Silver) is just over $600/month.

The Crux of this Biscuit is that in order to qualify for the reduced premium, I can not claim an Adjusted Gross Income greater than $79,000/year. After crunching the numbers, I believe it's going to be close. I'm in a serious cash-flow crunch and it's not going to get better any time soon. SO, the chance that I am taking here is this - at the end of the year IF my AGI exceeds the $79K threshold, the IRS will bill me for the difference in those two premiums.

It's a chance I have to take. I can only afford to worry about this a year from now.

Fuck it all.

And the thing to remember is this- many of those who were on "Marketplace" policies in 2014 are going to get this very same rude awakening when they file their tax returns. IF they exceeded their AGI thresholds, they are going to get hammered by the IRS.

You fucking Democrats passed this shit, us right wing kooks didn't. Fuck you too.

Sorry but it's unlikely you'll get any subsidy with your income...Good luck though. Did your state set up an exchange?

You are wrong on this:
I just looked up my State Exchange, making $79k a year, with a family of 3, and he would be eligible for $457 a month in tax credits (subsidy)

• Silver PPO
• National Provider Network
• Plan ID: 33653ME0040001

Estimated monthly premium
$632

• Number of people covered: 3
• Premium before tax credit: $1,089

Estimated deductible
$4,000 Estimated family total

Estimated out-of-pocket maximum
$13,200 Estimated family total

Copayments / Coinsurance

• Primary doctor: $30
• Specialist doctor: $80
• Emergency room care: $500
• Generic drugs: $15

• Summary of Benefits
• Plan brochure
• Provider directory
• List of covered drugs

Everybody doesn't live in Maine...Funny people like you are so excited by Obamacare which hasn't even been fully implement yet. Most people don't want it and never wanted it. Most of the politicians didn't even read the damn law. The cost of health insurance is not going down overall, only for the very few. You people who get excited by big government are a joke.

 

[Mr. H.]

After careful consideration and much consternation, I decided that I have no choice but to enter the ACA Marketplace and sign up for a subsidized policy. Hear me out...

Subsidies are only available through this Marketplace. Yes, I have an ACA-compliant policy through my current insurer but they just today raised my premium to $921/month. A subsidized policy through the Marketplace (Silver) is just over $600/month.

The Crux of this Biscuit is that in order to qualify for the reduced premium, I can not claim an Adjusted Gross Income greater than $79,000/year. After crunching the numbers, I believe it's going to be close. I'm in a serious cash-flow crunch and it's not going to get better any time soon. SO, the chance that I am taking here is this - at the end of the year IF my AGI exceeds the $79K threshold, the IRS will bill me for the difference in those two premiums.

It's a chance I have to take. I can only afford to worry about this a year from now.

Fuck it all.

And the thing to remember is this- many of those who were on "Marketplace" policies in 2014 are going to get this very same rude awakening when they file their tax returns. IF they exceeded their AGI thresholds, they are going to get hammered by the IRS.

You fucking Democrats passed this shit, us right wing kooks didn't. Fuck you too.

Sorry but it's unlikely you'll get any subsidy with your income...Good luck though. Did your state set up an exchange?

You are wrong on this:
I just looked up my State Exchange, making $79k a year, with a family of 3, and he would be eligible for $457 a month in tax credits (subsidy)

• Silver PPO
• National Provider Network
• Plan ID: 33653ME0040001

Estimated monthly premium
$632

• Number of people covered: 3
• Premium before tax credit: $1,089

Estimated deductible
$4,000 Estimated family total

Estimated out-of-pocket maximum
$13,200 Estimated family total

Copayments / Coinsurance

• Primary doctor: $30
• Specialist doctor: $80
• Emergency room care: $500
• Generic drugs: $15

• Summary of Benefits
• Plan brochure
• Provider directory
• List of covered drugs

Thanks, ma'am.

This is odd, but I logged on to HC dot Gov this morning and the premium is now closer to $300/month for Bronze.
I called and was told that yes, after the first of the year some premiums were modified. Regarding the $79K threshold, the gal basically said don't sweat it- if an adjustment needs to be made when I file in 2016 the IRS will calculate the portion of premiums I will be docked based on income during the course of the year. Whatever- it is what it is.

 

[Jroc]

After careful consideration and much consternation, I decided that I have no choice but to enter the ACA Marketplace and sign up for a subsidized policy. Hear me out...

Subsidies are only available through this Marketplace. Yes, I have an ACA-compliant policy through my current insurer but they just today raised my premium to $921/month. A subsidized policy through the Marketplace (Silver) is just over $600/month.

The Crux of this Biscuit is that in order to qualify for the reduced premium, I can not claim an Adjusted Gross Income greater than $79,000/year. After crunching the numbers, I believe it's going to be close. I'm in a serious cash-flow crunch and it's not going to get better any time soon. SO, the chance that I am taking here is this - at the end of the year IF my AGI exceeds the $79K threshold, the IRS will bill me for the difference in those two premiums.

It's a chance I have to take. I can only afford to worry about this a year from now.

Fuck it all.

And the thing to remember is this- many of those who were on "Marketplace" policies in 2014 are going to get this very same rude awakening when they file their tax returns. IF they exceeded their AGI thresholds, they are going to get hammered by the IRS.

You fucking Democrats passed this shit, us right wing kooks didn't. Fuck you too.

Sorry but it's unlikely you'll get any subsidy with your income...Good luck though. Did your state set up an exchange?

You are wrong on this:
I just looked up my State Exchange, making $79k a year, with a family of 3, and he would be eligible for $457 a month in tax credits (subsidy)

• Silver PPO
• National Provider Network
• Plan ID: 33653ME0040001

Estimated monthly premium
$632

• Number of people covered: 3
• Premium before tax credit: $1,089

Estimated deductible
$4,000 Estimated family total

Estimated out-of-pocket maximum
$13,200 Estimated family total

Copayments / Coinsurance

• Primary doctor: $30
• Specialist doctor: $80
• Emergency room care: $500
• Generic drugs: $15

• Summary of Benefits
• Plan brochure
• Provider directory
• List of covered drugs

Thanks, ma'am.

This is odd, but I logged on to HC dot Gov this morning and the premium is now closer to $300/month for Bronze.
I called and was told that yes, after the first of the year some premiums were modified. Regarding the $79K threshold, the gal basically said don't sweat it- if an adjustment needs to be made when I file in 2016 the IRS will calculate the portion of premiums I will be docked based on income during the course of the year. Whatever- it is what it is.

Bronze plan sucks

 

[Mr. H.]

After careful consideration and much consternation, I decided that I have no choice but to enter the ACA Marketplace and sign up for a subsidized policy. Hear me out...

Subsidies are only available through this Marketplace. Yes, I have an ACA-compliant policy through my current insurer but they just today raised my premium to $921/month. A subsidized policy through the Marketplace (Silver) is just over $600/month.

The Crux of this Biscuit is that in order to qualify for the reduced premium, I can not claim an Adjusted Gross Income greater than $79,000/year. After crunching the numbers, I believe it's going to be close. I'm in a serious cash-flow crunch and it's not going to get better any time soon. SO, the chance that I am taking here is this - at the end of the year IF my AGI exceeds the $79K threshold, the IRS will bill me for the difference in those two premiums.

It's a chance I have to take. I can only afford to worry about this a year from now.

Fuck it all.

And the thing to remember is this- many of those who were on "Marketplace" policies in 2014 are going to get this very same rude awakening when they file their tax returns. IF they exceeded their AGI thresholds, they are going to get hammered by the IRS.

You fucking Democrats passed this shit, us right wing kooks didn't. Fuck you too.

Sorry but it's unlikely you'll get any subsidy with your income...Good luck though. Did your state set up an exchange?

You are wrong on this:
I just looked up my State Exchange, making $79k a year, with a family of 3, and he would be eligible for $457 a month in tax credits (subsidy)

• Silver PPO
• National Provider Network
• Plan ID: 33653ME0040001

Estimated monthly premium
$632

• Number of people covered: 3
• Premium before tax credit: $1,089

Estimated deductible
$4,000 Estimated family total

Estimated out-of-pocket maximum
$13,200 Estimated family total

Copayments / Coinsurance

• Primary doctor: $30
• Specialist doctor: $80
• Emergency room care: $500
• Generic drugs: $15

• Summary of Benefits
• Plan brochure
• Provider directory
• List of covered drugs

Thanks, ma'am.

This is odd, but I logged on to HC dot Gov this morning and the premium is now closer to $300/month for Bronze.
I called and was told that yes, after the first of the year some premiums were modified. Regarding the $79K threshold, the gal basically said don't sweat it- if an adjustment needs to be made when I file in 2016 the IRS will calculate the portion of premiums I will be docked based on income during the course of the year. Whatever- it is what it is.

Bronze plan sucks

I know. But until recently, I was seriously considering dropping myself from the insurance rolls and keeping wife/daughter covered. At my age- not a good idea. We'll weather this shit storm and be back on track in a few years.

 

[Jroc]

Obamacare Bronze Health Insurance Plans

 

[dblack]

And another thing Mr.H .... have you considered buying a Catastrophic/hospitalization plan and paying the penalty for not being ACA compliant? You could possibly come out ahead...

Or just make sure you won't be getting a refund and tell them to get screwed when they whine about a fine.

 

[Care4all]

After careful consideration and much consternation, I decided that I have no choice but to enter the ACA Marketplace and sign up for a subsidized policy. Hear me out...

Subsidies are only available through this Marketplace. Yes, I have an ACA-compliant policy through my current insurer but they just today raised my premium to $921/month. A subsidized policy through the Marketplace (Silver) is just over $600/month.

The Crux of this Biscuit is that in order to qualify for the reduced premium, I can not claim an Adjusted Gross Income greater than $79,000/year. After crunching the numbers, I believe it's going to be close. I'm in a serious cash-flow crunch and it's not going to get better any time soon. SO, the chance that I am taking here is this - at the end of the year IF my AGI exceeds the $79K threshold, the IRS will bill me for the difference in those two premiums.

It's a chance I have to take. I can only afford to worry about this a year from now.

Fuck it all.

And the thing to remember is this- many of those who were on "Marketplace" policies in 2014 are going to get this very same rude awakening when they file their tax returns. IF they exceeded their AGI thresholds, they are going to get hammered by the IRS.

You fucking Democrats passed this shit, us right wing kooks didn't. Fuck you too.

Sorry but it's unlikely you'll get any subsidy with your income...Good luck though. Did your state set up an exchange?

You are wrong on this:
I just looked up my State Exchange, making $79k a year, with a family of 3, and he would be eligible for $457 a month in tax credits (subsidy)

• Silver PPO
• National Provider Network
• Plan ID: 33653ME0040001

Estimated monthly premium
$632

• Number of people covered: 3
• Premium before tax credit: $1,089

Estimated deductible
$4,000 Estimated family total

Estimated out-of-pocket maximum
$13,200 Estimated family total

Copayments / Coinsurance

• Primary doctor: $30
• Specialist doctor: $80
• Emergency room care: $500
• Generic drugs: $15

• Summary of Benefits
• Plan brochure
• Provider directory
• List of covered drugs

Everybody doesn't live in Maine...Funny people like you are so excited by Obamacare which hasn't even been fully implement yet. Most people don't want it and never wanted it. Most of the politicians didn't even read the damn law. The cost of health insurance is not going down overall, only for the very few. You people who get excited by big government are a joke.

It's not a matter of being excited about it....

Mr.H has been in absolute worry about this for a year now...it was tearing me apart seeing his concerns....I only wanted to help him....for months, but I didn't know some of the facts regarding his family and his income, and did not want to intrude in asking these personal questions, so I haven't been able to research and see if I could.

He recently mentioned his family situation, which gave me an opportunity to see if I could pull up some info on it....to see if there was help out there, to be found.

That's not being "excited" about it... my heart and soul felt that he needed help or guidance.

 

[Care4all]

After careful consideration and much consternation, I decided that I have no choice but to enter the ACA Marketplace and sign up for a subsidized policy. Hear me out...

Subsidies are only available through this Marketplace. Yes, I have an ACA-compliant policy through my current insurer but they just today raised my premium to $921/month. A subsidized policy through the Marketplace (Silver) is just over $600/month.

The Crux of this Biscuit is that in order to qualify for the reduced premium, I can not claim an Adjusted Gross Income greater than $79,000/year. After crunching the numbers, I believe it's going to be close. I'm in a serious cash-flow crunch and it's not going to get better any time soon. SO, the chance that I am taking here is this - at the end of the year IF my AGI exceeds the $79K threshold, the IRS will bill me for the difference in those two premiums.

It's a chance I have to take. I can only afford to worry about this a year from now.

Fuck it all.

And the thing to remember is this- many of those who were on "Marketplace" policies in 2014 are going to get this very same rude awakening when they file their tax returns. IF they exceeded their AGI thresholds, they are going to get hammered by the IRS.

You fucking Democrats passed this shit, us right wing kooks didn't. Fuck you too.

Sorry but it's unlikely you'll get any subsidy with your income...Good luck though. Did your state set up an exchange?

You are wrong on this:
I just looked up my State Exchange, making $79k a year, with a family of 3, and he would be eligible for $457 a month in tax credits (subsidy)

• Silver PPO
• National Provider Network
• Plan ID: 33653ME0040001

Estimated monthly premium
$632

• Number of people covered: 3
• Premium before tax credit: $1,089

Estimated deductible
$4,000 Estimated family total

Estimated out-of-pocket maximum
$13,200 Estimated family total

Copayments / Coinsurance

• Primary doctor: $30
• Specialist doctor: $80
• Emergency room care: $500
• Generic drugs: $15

• Summary of Benefits
• Plan brochure
• Provider directory
• List of covered drugs

Thanks, ma'am.

This is odd, but I logged on to HC dot Gov this morning and the premium is now closer to $300/month for Bronze.
I called and was told that yes, after the first of the year some premiums were modified. Regarding the $79K threshold, the gal basically said don't sweat it- if an adjustment needs to be made when I file in 2016 the IRS will calculate the portion of premiums I will be docked based on income during the course of the year. Whatever- it is what it is.

Bronze plan sucks

I know. But until recently, I was seriously considering dropping myself from the insurance rolls and keeping wife/daughter covered. At my age- not a good idea. We'll weather this shit storm and be back on track in a few years.

Now remember, outside of doctors visits and annual physicals you will have to pay your deductible before the plan comes in...but as example, if you get really sick and you spend the $6600 max out of pocket for yourself due to this sickness, the Insurance, even a bronze plan, will come in and pay 100% of your medical bills after you have paid the $6600 of your own out of pocket...so the max you will be hit with is the $6600 for any individual family member, and 13k for your whole family if for some odd reason, you are all sick at once or hurt at one....

 

[Conservative65]

Sorry but it's unlikely you'll get any subsidy with your income...Good luck though. Did your state set up an exchange?

You are wrong on this:
I just looked up my State Exchange, making $79k a year, with a family of 3, and he would be eligible for $457 a month in tax credits (subsidy)

• Silver PPO
• National Provider Network
• Plan ID: 33653ME0040001

Estimated monthly premium
$632

• Number of people covered: 3
• Premium before tax credit: $1,089

Estimated deductible
$4,000 Estimated family total

Estimated out-of-pocket maximum
$13,200 Estimated family total

Copayments / Coinsurance

• Primary doctor: $30
• Specialist doctor: $80
• Emergency room care: $500
• Generic drugs: $15

• Summary of Benefits
• Plan brochure
• Provider directory
• List of covered drugs

Thanks, ma'am.

This is odd, but I logged on to HC dot Gov this morning and the premium is now closer to $300/month for Bronze.
I called and was told that yes, after the first of the year some premiums were modified. Regarding the $79K threshold, the gal basically said don't sweat it- if an adjustment needs to be made when I file in 2016 the IRS will calculate the portion of premiums I will be docked based on income during the course of the year. Whatever- it is what it is.

Bronze plan sucks

I know. But until recently, I was seriously considering dropping myself from the insurance rolls and keeping wife/daughter covered. At my age- not a good idea. We'll weather this shit storm and be back on track in a few years.

Now remember, outside of doctors visits and annual physicals you will have to pay your deductible before the plan comes in...but as example, if you get really sick and you spend the $6600 max out of pocket for yourself due to this sickness, the Insurance, even a bronze plan, will come in and pay 100% of your medical bills after you have paid the $6600 of your own out of pocket...so the max you will be hit with is the $6600 for any individual family member, and 13k for your whole family if for some odd reason, you are all sick at once or hurt at one....

If someone couldn't afford the premiums for coverage so that Obamacare was passed to provide it to them, how the hell are they going to pay the $6600 or $13,000?

 

[Care4all]

You are wrong on this:
I just looked up my State Exchange, making $79k a year, with a family of 3, and he would be eligible for $457 a month in tax credits (subsidy)

• Silver PPO
• National Provider Network
• Plan ID: 33653ME0040001

Estimated monthly premium
$632

• Number of people covered: 3
• Premium before tax credit: $1,089

Estimated deductible
$4,000 Estimated family total

Estimated out-of-pocket maximum
$13,200 Estimated family total

Copayments / Coinsurance

• Primary doctor: $30
• Specialist doctor: $80
• Emergency room care: $500
• Generic drugs: $15

• Summary of Benefits
• Plan brochure
• Provider directory
• List of covered drugs

Thanks, ma'am.

This is odd, but I logged on to HC dot Gov this morning and the premium is now closer to $300/month for Bronze.
I called and was told that yes, after the first of the year some premiums were modified. Regarding the $79K threshold, the gal basically said don't sweat it- if an adjustment needs to be made when I file in 2016 the IRS will calculate the portion of premiums I will be docked based on income during the course of the year. Whatever- it is what it is.

Bronze plan sucks

I know. But until recently, I was seriously considering dropping myself from the insurance rolls and keeping wife/daughter covered. At my age- not a good idea. We'll weather this shit storm and be back on track in a few years.

Now remember, outside of doctors visits and annual physicals you will have to pay your deductible before the plan comes in...but as example, if you get really sick and you spend the $6600 max out of pocket for yourself due to this sickness, the Insurance, even a bronze plan, will come in and pay 100% of your medical bills after you have paid the $6600 of your own out of pocket...so the max you will be hit with is the $6600 for any individual family member, and 13k for your whole family if for some odd reason, you are all sick at once or hurt at one....

If someone couldn't afford the premiums for coverage so that Obamacare was passed to provide it to them, how the hell are they going to pay the $6600 or $13,000?

The poor, if they go with a silver plan, in addition to their premium help, qualify for 'cost sharing reductions'... which reduces the deductibles and out of pocket expenses for them.

google it, so you can understand....

 

[Conservative65]

Thanks, ma'am.

This is odd, but I logged on to HC dot Gov this morning and the premium is now closer to $300/month for Bronze.
I called and was told that yes, after the first of the year some premiums were modified. Regarding the $79K threshold, the gal basically said don't sweat it- if an adjustment needs to be made when I file in 2016 the IRS will calculate the portion of premiums I will be docked based on income during the course of the year. Whatever- it is what it is.

Bronze plan sucks

I know. But until recently, I was seriously considering dropping myself from the insurance rolls and keeping wife/daughter covered. At my age- not a good idea. We'll weather this shit storm and be back on track in a few years.

Now remember, outside of doctors visits and annual physicals you will have to pay your deductible before the plan comes in...but as example, if you get really sick and you spend the $6600 max out of pocket for yourself due to this sickness, the Insurance, even a bronze plan, will come in and pay 100% of your medical bills after you have paid the $6600 of your own out of pocket...so the max you will be hit with is the $6600 for any individual family member, and 13k for your whole family if for some odd reason, you are all sick at once or hurt at one....

If someone couldn't afford the premiums for coverage so that Obamacare was passed to provide it to them, how the hell are they going to pay the $6600 or $13,000?

The poor, if they go with a silver plan, in addition to their premium help, qualify for 'cost sharing reductions'... which reduces the deductibles and out of pocket expenses for them.

google it, so you can understand....

Thanks, ma'am.

This is odd, but I logged on to HC dot Gov this morning and the premium is now closer to $300/month for Bronze.
I called and was told that yes, after the first of the year some premiums were modified. Regarding the $79K threshold, the gal basically said don't sweat it- if an adjustment needs to be made when I file in 2016 the IRS will calculate the portion of premiums I will be docked based on income during the course of the year. Whatever- it is what it is.

Bronze plan sucks

I know. But until recently, I was seriously considering dropping myself from the insurance rolls and keeping wife/daughter covered. At my age- not a good idea. We'll weather this shit storm and be back on track in a few years.

Now remember, outside of doctors visits and annual physicals you will have to pay your deductible before the plan comes in...but as example, if you get really sick and you spend the $6600 max out of pocket for yourself due to this sickness, the Insurance, even a bronze plan, will come in and pay 100% of your medical bills after you have paid the $6600 of your own out of pocket...so the max you will be hit with is the $6600 for any individual family member, and 13k for your whole family if for some odd reason, you are all sick at once or hurt at one....

If someone couldn't afford the premiums for coverage so that Obamacare was passed to provide it to them, how the hell are they going to pay the $6600 or $13,000?

The poor, if they go with a silver plan, in addition to their premium help, qualify for 'cost sharing reductions'... which reduces the deductibles and out of pocket expenses for them.

google it, so you can understand....

You missed the point of the question. However, you answer proves that it's still nothing more than another handout program to a bunch of leeches. If they get subsidies to pay premiums and they get cost sharing reductions, how the hell is it any different than when they didn't have coverage and the rest of us paid for it? We're still paying just in a different way but the road ends at the same point. One group if funding something else for another group.

 

[Care4all]

Bronze plan sucks

I know. But until recently, I was seriously considering dropping myself from the insurance rolls and keeping wife/daughter covered. At my age- not a good idea. We'll weather this shit storm and be back on track in a few years.

Now remember, outside of doctors visits and annual physicals you will have to pay your deductible before the plan comes in...but as example, if you get really sick and you spend the $6600 max out of pocket for yourself due to this sickness, the Insurance, even a bronze plan, will come in and pay 100% of your medical bills after you have paid the $6600 of your own out of pocket...so the max you will be hit with is the $6600 for any individual family member, and 13k for your whole family if for some odd reason, you are all sick at once or hurt at one....

If someone couldn't afford the premiums for coverage so that Obamacare was passed to provide it to them, how the hell are they going to pay the $6600 or $13,000?

The poor, if they go with a silver plan, in addition to their premium help, qualify for 'cost sharing reductions'... which reduces the deductibles and out of pocket expenses for them.

google it, so you can understand....

Bronze plan sucks

I know. But until recently, I was seriously considering dropping myself from the insurance rolls and keeping wife/daughter covered. At my age- not a good idea. We'll weather this shit storm and be back on track in a few years.

Now remember, outside of doctors visits and annual physicals you will have to pay your deductible before the plan comes in...but as example, if you get really sick and you spend the $6600 max out of pocket for yourself due to this sickness, the Insurance, even a bronze plan, will come in and pay 100% of your medical bills after you have paid the $6600 of your own out of pocket...so the max you will be hit with is the $6600 for any individual family member, and 13k for your whole family if for some odd reason, you are all sick at once or hurt at one....

If someone couldn't afford the premiums for coverage so that Obamacare was passed to provide it to them, how the hell are they going to pay the $6600 or $13,000?

The poor, if they go with a silver plan, in addition to their premium help, qualify for 'cost sharing reductions'... which reduces the deductibles and out of pocket expenses for them.

google it, so you can understand....

You missed the point of the question. However, you answer proves that it's still nothing more than another handout program to a bunch of leeches. If they get subsidies to pay premiums and they get cost sharing reductions, how the hell is it any different than when they didn't have coverage and the rest of us paid for it? We're still paying just in a different way but the road ends at the same point. One group if funding something else for another group.

they still are paying a portion of their costs AND if they do get sick and hospitalized, insurance will pay 100% of the costs.... the gvt saves a bundle if they were paying the whole sum before, or the hospital doesn't have to take the LOSS if the gvt didn't pay it.

 

[Conservative65]

I know. But until recently, I was seriously considering dropping myself from the insurance rolls and keeping wife/daughter covered. At my age- not a good idea. We'll weather this shit storm and be back on track in a few years.

Now remember, outside of doctors visits and annual physicals you will have to pay your deductible before the plan comes in...but as example, if you get really sick and you spend the $6600 max out of pocket for yourself due to this sickness, the Insurance, even a bronze plan, will come in and pay 100% of your medical bills after you have paid the $6600 of your own out of pocket...so the max you will be hit with is the $6600 for any individual family member, and 13k for your whole family if for some odd reason, you are all sick at once or hurt at one....

If someone couldn't afford the premiums for coverage so that Obamacare was passed to provide it to them, how the hell are they going to pay the $6600 or $13,000?

The poor, if they go with a silver plan, in addition to their premium help, qualify for 'cost sharing reductions'... which reduces the deductibles and out of pocket expenses for them.

google it, so you can understand....

I know. But until recently, I was seriously considering dropping myself from the insurance rolls and keeping wife/daughter covered. At my age- not a good idea. We'll weather this shit storm and be back on track in a few years.

Now remember, outside of doctors visits and annual physicals you will have to pay your deductible before the plan comes in...but as example, if you get really sick and you spend the $6600 max out of pocket for yourself due to this sickness, the Insurance, even a bronze plan, will come in and pay 100% of your medical bills after you have paid the $6600 of your own out of pocket...so the max you will be hit with is the $6600 for any individual family member, and 13k for your whole family if for some odd reason, you are all sick at once or hurt at one....

If someone couldn't afford the premiums for coverage so that Obamacare was passed to provide it to them, how the hell are they going to pay the $6600 or $13,000?

The poor, if they go with a silver plan, in addition to their premium help, qualify for 'cost sharing reductions'... which reduces the deductibles and out of pocket expenses for them.

google it, so you can understand....

You missed the point of the question. However, you answer proves that it's still nothing more than another handout program to a bunch of leeches. If they get subsidies to pay premiums and they get cost sharing reductions, how the hell is it any different than when they didn't have coverage and the rest of us paid for it? We're still paying just in a different way but the road ends at the same point. One group if funding something else for another group.

they still are paying a portion of their costs AND if they do get sick and hospitalized, insurance will pay 100% of the costs.... the gvt saves a bundle if they were paying the whole sum before, or the hospital doesn't have to take the LOSS if the gvt didn't pay it.

I'm not concerned about the portion they fund. I'm concerned about the portion someone else, including me, is forced to fund for them.

The government is saving nothing since the government has no money except what they take from those of us that actually fund it.