Yes, I'm sure there are certain situations where even larger amounts of tax payer funds can be used to lower the out of pocket expenses for some of these welfare recipients. There will also be cases where the bronze plan makes more sense.I am focused on the Poor, which is what the title of this thread speaks of and what this thread is suppose to be ABOUT, Rkm.It's not about maximizing the amount of money you can shill from the tax payer or minimizing your deductible. It's about getting the health care you need for the least amount of money. You are focused like a laser on maximum out of pocket costs. All the while completely ignoring minimum out of pocket costs for the premiums. Maybe you are not healthy and you max out your deductible each year. As for me and my family so far, knock on wood, we have only maxed out our deductibles twice in 30years. The rest of those years we never even came close to maxing out of pockets.And what are you laughing at...RK?ROFLA male 20 year old, making 20 k, qualifies for a Silver 87 plan, the third one over from the left.... with cost sharing reductions, it is affordable and is full coverage, UNLIKE the BRONZE lower coverage plans....
POORER PEOPLE ARE MAKING HUGE MISTAKES by going and buying a lower level Bronze Plan with these huge deductibles and out of pocket expenses, without seeing what a silver plan would cost them with full coverage and the gvt help of Cost Sharing Reduction...ONLY APPLIED to these Silver Plans....
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Do you not understand that a poorer person must choose one of the Silver Plans in order to get the ADDITIONAL help from the government? HELP that is in ADDITION to their Premium Subsidy, so that they DO NOT have to pay the $6000 in out of pocket expenses or the $5000 deductibles per individual?
And those that are poor, who take out a silver Plan which is better than the Bronze level plan in Coverage, the government comes in and pays for a good portion of your deductibles and a good portion of your yearly out of pocket expense, and reduces your copays so that these poor people can afford it...can afford to go to the doctor all the time if they are sick or to go to the doctor just a handful of times a year if you are just normal.
And for a male 20 year old making $20k a year that MaBelle gave as an example, could get a policy in zip 90210, for a $76 premium a month, which IS affordable, with $15 copays for Doctor's visits, which is also affordable, and with $5 copays for generic prescriptions, which is also affordable....
There is no $5000 deductibles that have to be paid out of pocket and everything is affordable.... according to the fees it shows in black and white for the various medical care.