High Deductibles Force Many to Opt Out of Obamacare

[EdwardBaiamonte]

I'm a stupid liberal socialist and am afraid to defend
my position!

They say the first step is admitting you have a problem. Since you've been brave, I'll be nice to you. Tell me which fact you were referring to in Post #116 and I'll be happy to help you with it.

dear cut the BS, defend Obamacommiecare or admit you lack the IQ to be here.

 

[EdwardBaiamonte]

What planet are you on. Obamacommiecare is a massive step toward single payer communism!!

What "single payer communism" system has high deductible plans?

dear, having some high deductable plans does not mean on balance it is a free market system!! Do you have the IQ to understand? If Barry was not a communist he might have wanted a free market system but he obviously did not or he would have pushed for it!! Now do you understand?

 

[Arianrhod]

...defend Obamacommiecare...

I'm not familiar with this entity. If you'd like to discuss something that actually exists (i.e., one of those facts we were discussing before), I'll be happy to continue.

In the interim, I'd like to see whether you're capable of responding to Post #120 with anything other than your usual drivel.

 

[EdwardBaiamonte]

...defend Obamacommiecare...

I'm not familiar with this entity. If you'd like to discuss something that actually exists (i.e., one of those facts we were discussing before), I'll be happy to continue.

In the interim, I'd like to see whether you're capable of responding to Post #120 with anything other than your usual drivel.

translation: I'm a typical stupid liberal and as such afraid to defend Obamacare. Try to find a conservative afraid to defend a basic conservative idea or program. What does that teach you about how truly stupid and dangerous liberals are?

 

[Arianrhod]

Try to find a conservative afraid to defend a basic conservative idea or program.

There's one in Post #124. When are you going to stop babbling and start defending something?

 

[chikenwing]

(private) insurers comprise a completely unnecessary middleman that not only adds little if any value to our healthcare system, it adds enormous costs to it,” Master said.

“As a result of this waste and inefficiency, our total spending on health care soared above $3 trillion in 2014. More than 17 percent of our national GDP is now eaten up by health care costs, far more than any other country.”

The United States spends fully 30 percent to 35 percent of the healthcare budget on administration — that’s $1 trillion out of the $3 trillion heathcare budget on administration.'

fully 33 cents of every health care premium dollar “has nothing to do with the delivery of healthcare.” Thirty-three percent of the healthcare budget was being spent on administrative costs.

The high cost of health care insurance,is the high cost of the care itself.I need a surgical procedure, the surgeon alone for 1 days work, will earn 30k,his fee only,very fee people do it,he has pioneered a life saving process, and iam not saying he isn't worth it,but that's why insurance cost so much.1 little bag of chemo drug can be 9 k,that's why health insurance cost so much

 

[MarathonMike]

Obamacare is an indefensible disaster. I know people that carry a 5K deductible that may as well have a 500K deductible. They can barely afford the premiums and some are deciding to pay the penalty and drop Obamacare.

 

[EdwardBaiamonte]

The high cost of health care insurance,is the high cost of the care itself.

100% stupid and mistaken. If we had Republican capitalist healthcare prices would be about 20% of what they are now.

 

[Sun Devil 92]

We aren't poor enough to get any help with our insurance, yet not rich enough to afford it. Catch 22

So you've already checked the exchanges and they indicated you weren't eligible for a subsidy?

Still, if you only see your doctor once a year, you're far more fortunate than you realize. You're probably eligible for a host of screenings that you're not taking advantage of. I'd advise you to do so, particularly if there are chronic illnesses such as diabetes, hypertension, osteoporosis,, and/or hypercholesterolemia in your family history, not to mention cancers.

That is....I'll totally ignore the 12,000 a year fact and try to paint a pile of crap so it looks like something different.

 

[Sun Devil 92]

Forcing people to buy health insurance is just wrong. My husband and I would have to pay over $300 a month with a huge deductable. Neither one of us has bad health or smoke. We only see the doctor once a year for our annual check ups, at about $400 each. We pay out of pocket. The $300 a month would not even cover the annual checkups, required blood tests are extra, which would be out of pocket. Since we are already paying for our visits, we should not be penalized. I think if we had let the tax payers foot the bill, then we should be penalized. The insurance offered at the part time job I had was about $100 twice a month, but did not cover anything out of a doctor visit, not even tests, not emergency rooms, nothing except talking to the doctor. The amount of doctor visits aren't worth the costs, which we cannot afford.

If you only need to see a doctor once a year, why do you care about the high deductible (which, by your own description, you'll never use)? And if you really can't afford the clinic visits before the deductible, you are probably eligible for a subsidy. You can determine that here:

Subsidy Calculator Widget

Is there any illness or chronic condition in your husband's family or yours? Do some research on the costs for treatment without insurance. Even a broken leg can cost anywhere from $7,500 to $30,000. If you're that hard up for cash, I doubt you can spend that out of pocket.

Why pay $300 a month for insurance that doesnt cover anything? The deductable was $12,000. So, even if I needed any care that was under $12,000 it would still be out of pocket.

Then you should consider a plan with a higher premium/lower deductible next time around. Insurance "doesn't cover anything" until it does. No one plans to get cancer or a host of chronic illnesses, just as no one plans to get into an auto accident or a fire or a plane crash.

But if you suddenly require $100,000+ of treatment, you'll be glad you had insurance.

It's odd how no one disputed this prior to January 2014.

That was available before and it was cheaper.

Obummercare sucks.

 

[Arianrhod]

Obamacare is an indefensible disaster. I know people that carry a 5K deductible that may as well have a 500K deductible. They can barely afford the premiums and some are deciding to pay the penalty and drop Obamacare.

Because they either don't know about the exchanges or are afraid to consult them.

We aren't poor enough to get any help with our insurance, yet not rich enough to afford it. Catch 22

So you've already checked the exchanges and they indicated you weren't eligible for a subsidy?

Still, if you only see your doctor once a year, you're far more fortunate than you realize. You're probably eligible for a host of screenings that you're not taking advantage of. I'd advise you to do so, particularly if there are chronic illnesses such as diabetes, hypertension, osteoporosis,, and/or hypercholesterolemia in your family history, not to mention cancers.

That is....I'll totally ignore the 12,000 a year fact and try to paint a pile of crap so it looks like something different.

The deductible varies by insurer and plan. Why you keep insisting it's universally 12K is a function of either ignorance or mendacity.

Forcing people to buy health insurance is just wrong. My husband and I would have to pay over $300 a month with a huge deductable. Neither one of us has bad health or smoke. We only see the doctor once a year for our annual check ups, at about $400 each. We pay out of pocket. The $300 a month would not even cover the annual checkups, required blood tests are extra, which would be out of pocket. Since we are already paying for our visits, we should not be penalized. I think if we had let the tax payers foot the bill, then we should be penalized. The insurance offered at the part time job I had was about $100 twice a month, but did not cover anything out of a doctor visit, not even tests, not emergency rooms, nothing except talking to the doctor. The amount of doctor visits aren't worth the costs, which we cannot afford.

If you only need to see a doctor once a year, why do you care about the high deductible (which, by your own description, you'll never use)? And if you really can't afford the clinic visits before the deductible, you are probably eligible for a subsidy. You can determine that here:

Subsidy Calculator Widget

Is there any illness or chronic condition in your husband's family or yours? Do some research on the costs for treatment without insurance. Even a broken leg can cost anywhere from $7,500 to $30,000. If you're that hard up for cash, I doubt you can spend that out of pocket.

Why pay $300 a month for insurance that doesnt cover anything? The deductable was $12,000. So, even if I needed any care that was under $12,000 it would still be out of pocket.

Then you should consider a plan with a higher premium/lower deductible next time around. Insurance "doesn't cover anything" until it does. No one plans to get cancer or a host of chronic illnesses, just as no one plans to get into an auto accident or a fire or a plane crash.

But if you suddenly require $100,000+ of treatment, you'll be glad you had insurance.

It's odd how no one disputed this prior to January 2014.

That was available before and it was cheaper.

If so, you can present the data to prove it.

 

[EdwardBaiamonte]

People who grabbed the first bronze plan they stumbled across need to learn to put a little effort into their choice of health insurance.

why, they only get more expensive from there?? with capitalist competition prices would be 20% of what they are now. Even with socialism Europe and Canada have prices less than half of ours so imagine how cheap medicine would be with real capitalist incentives to lower price and raise quality!!

 

[Arianrhod]

People who grabbed the first bronze plan they stumbled across need to learn to put a little effort into their choice of health insurance.

why, they only get more expensive from there?? with capitalist competition prices would be 20% of what they are now. Even with socialism Europe and Canada have prices less than half of ours so imagine how cheap medicine would be with real capitalist incentives to lower price and raise quality!!

You don't understand how insurance works, do you?

 

[EdwardBaiamonte]

People who grabbed the first bronze plan they stumbled across need to learn to put a little effort into their choice of health insurance.

why, they only get more expensive from there?? with capitalist competition prices would be 20% of what they are now. Even with socialism Europe and Canada have prices less than half of ours so imagine how cheap medicine would be with real capitalist incentives to lower price and raise quality!!

You don't understand how insurance works, do you?

dear stupid, if I don't, offer evidence or admit to being too stupid to defend yourself.

 

[basquebromance]

ObamaCare is imploding. we need a pres in '16 with the guts to dismantle it. we need Donald J Trump!

 

[Arianrhod]

ObamaCare is imploding. we need a pres in '16 with the guts to dismantle it. we need Donald J Trump!

Trump claims he'd replace it with single-payer. That okay with you?

 

[dblack]

ObamaCare is imploding. we need a pres in '16 with the guts to dismantle it. we need Donald J Trump!

Trump claims he'd replace it with single-payer. That okay with you?

<crickets>....</crickets>

 

[basquebromance]

to succeed in business, you have to be flexible and you have to change with the realities of the world. the world has changed, trump's changed. he doesn't think a single-payer system makes sense anymore. if he did, he would say it.

 

[Weatherman2020]

Who woulda thunk?

 

[Arianrhod]

to succeed in business, you have to be flexible and you have to change with the realities of the world. the world has changed, trump's changed. he doesn't think a single-payer system makes sense anymore. if he did, he would say it.

He'd been saying it as recently as September. When did he change?