Someone please explain Obamacare to me

[Freewill]

I wouldn't swear to this, but I don't believe that these plans cost more if you go through an approved/certified health insurance agent. Many of them are going to be able to offer most if not all of the plans.

Absolutely, except that the agent will likely charge a fee.

It's amazing how many people don't get that "Obamacare" is NOT a form of insurance. They're smart enough to understand that Travelocity is not an airline (at least I think they are; hanging in this forum, I'm beginning to have my doubts), but they don't get that the online exchanges are nothing more than a way of facilitating consumer access to health insurance.

I'm pretty sure the agent is paid a commission still, around 10%, so I don't think they'd charge a fee. Could be, though.
.

maybe that is a reason to use healthcare.gov. If they are getting a commission then they will try and sell the highest priced plan that makes them the most money.

 

[Freewill]

apply at healthcare.gov, this is the only place that can give you the subsidy if qualified....i believe if you make less than 75k a year you may qualify for some help. And if the two of you make less than 36k a year or there about next year, I believe they will come in and pay some if not all of your deductibles, emergency room at reduced rate, specialist copays reduced; and total out of pocket reduced, and things like that....Go to the Healthcare.gov site, there is a lot of information to read. You can choose the plans you want to review and see what help the gov. may offer.

Bones is wrong on choosing a bronze plan if the two of you will not be making much money next year...there is something called Cost Sharing Reductions that are in ADDITION to subsidy help....but again, ONLY if you buy in to a Silver Plan...search it when you are on the site....many of the people around here that I helped sign up at the Church, qualified for these Cost Sharing Reductions....

I just looked it up, if you and your wife combined make less than $39k next year, then you may qualify for these ADDITIONAL Cost sharing reductions.

How to save on out-of-pocket health care costs

nope, don't qualify. That is a ridiculously low number but then again it seems that we have become a nation that honors and awards lack of initiative.

Stop being an ass. Ÿou came here seeking info, right? Why do you have to make your fucking editorial comments every two minutes.

Haaaaaaaaaaaa, wow look who is talking. You never post anything, including you latest post that isn't just an editorial. My editorial is to the point. I don't know a poor doctor, lawyer, accountant, engineer, or most anyone with a useful degree. The poor I know sat in the back of the class just doing their time.

 

[HereWeGoAgain]

Someone please explain Obamacare to me

"We keep you alive to serve this ship."

I agree with one change, "Serve the ship and we will keep you alive"

The biggest problem I have with socialized medicine...besides the cost.

 

[Arianrhod]

My editorial is to the point. I don't know a poor doctor, lawyer, accountant, engineer, or most anyone with a useful degree. The poor I know sat in the back of the class just doing their time.

So you work for a news site, a paper, a magazine? No? Then what you wrote is not an editorial. What it is is "Oh, poor little me! I spent too much money on other stuff and now I have to pay full premiums for health insurance." Which, BTW, is what everyone did prior to the PPACA.

As for the wealthy professionals you cite, what does that have to do with the PPACA?

 

[EdwardBaiamonte]

we all fell under the same system. That would make it, or should, cheaper for everyone.

yes things were so cheap in the USSR and Red China that 120 million slowly starved to death!! The instant Red China switched to capitalism they eliminated 40% of the entire world's poverty by making everything so cheap that everyone couldsuddenly afford everything. Do you understand??

 

[|electric|foxy|]

OK, due to life decisions we found ourselves without healthcare insurance.

So thinking we must have healthcare insurance I went to the Healthcare.gov site and the site of a regional heathcare provider. I got the same quotes both places. Our income, this year, is way to high for any sort of subsidy and will be next year.

I know this has been gone over and over but I don't wish to search through all the posts.

At first I was happy that the rumors of 12 thousand a year apparently were not true. The premium was going to be 756 dollars per month for me and the wife. OK, more then anyone really wants to pay but a lot less then what I thought. Then I realized that for almost everything i had to use the out of pocket deductible first. Which is 3500/year. So 756 X 12 = 9072 + 3500 = 12572 Bingo right where I thought it would be in the first place, silly me.

So, since me and the wife never go to the emergency room I thought I would go with the least co-pay for the PCP and not worry about the ER. So the PCP is 10 copay specialists are 90 and the ER is a whopping 900 dollars. That is the plan that the healthcare "adviser" suggested considering our health.

So even with the high copays I see very little chance I will go over 3500 dollars. What does the premium get me? Should I look at it like a car insurance payment which I make and never use? I do have friends that pay nothing, because they do have nothing. I guess that is fair but is it fair that someone pays full amount for the same coverage? When will there be free car insurance?

So i am asking, is there anywhere that helps a person navigate through the system? I don't mean just tells you if you are eligible or not but actually says what is best for a certain individual?

I signed up through the local healthcare provider, is that the right way to do it? Is there and advantage to signing up on Healthcare.gov? My state did not set up exchanges which apparently makes a difference.

I understand that most of those for Obamacare are for it because they have company sponsored healthcare insurance or are getting a free ride. I will say having options is better then having none but I don't see where Obamacare is saving me any money. I did ask if the premiums are deductible and they told me yes. They didn't bother mentioning that it was only after a percentage of income.

And, for those looking, you will see ads for lots of places selling healthcare insurance. They claim to be the most inexpensive but they are not. Going to healthcare.gov or directly to the provider is the cheapest I found. I think they are trolling for those who don't make enough to pay so whatever they pay doesn't really matter.

For those who oppose Omaba/SCOTUScare. It is what it is, it is what we are stuck with. You hardly hear a word about repeal any more. My opinion, it could be much better if regardless of employment status we all fell under the same system. That would make it, or should, cheaper for everyone.

do not try to understand what obamacare is, just accept the fact that it will cost you a lot of money, but you will receive less services than before

 

[Arianrhod]

OK, due to life decisions we found ourselves without healthcare insurance.

So thinking we must have healthcare insurance I went to the Healthcare.gov site and the site of a regional heathcare provider. I got the same quotes both places. Our income, this year, is way to high for any sort of subsidy and will be next year.

I know this has been gone over and over but I don't wish to search through all the posts.

At first I was happy that the rumors of 12 thousand a year apparently were not true. The premium was going to be 756 dollars per month for me and the wife. OK, more then anyone really wants to pay but a lot less then what I thought. Then I realized that for almost everything i had to use the out of pocket deductible first. Which is 3500/year. So 756 X 12 = 9072 + 3500 = 12572 Bingo right where I thought it would be in the first place, silly me.

So, since me and the wife never go to the emergency room I thought I would go with the least co-pay for the PCP and not worry about the ER. So the PCP is 10 copay specialists are 90 and the ER is a whopping 900 dollars. That is the plan that the healthcare "adviser" suggested considering our health.

So even with the high copays I see very little chance I will go over 3500 dollars. What does the premium get me? Should I look at it like a car insurance payment which I make and never use? I do have friends that pay nothing, because they do have nothing. I guess that is fair but is it fair that someone pays full amount for the same coverage? When will there be free car insurance?

So i am asking, is there anywhere that helps a person navigate through the system? I don't mean just tells you if you are eligible or not but actually says what is best for a certain individual?

I signed up through the local healthcare provider, is that the right way to do it? Is there and advantage to signing up on Healthcare.gov? My state did not set up exchanges which apparently makes a difference.

I understand that most of those for Obamacare are for it because they have company sponsored healthcare insurance or are getting a free ride. I will say having options is better then having none but I don't see where Obamacare is saving me any money. I did ask if the premiums are deductible and they told me yes. They didn't bother mentioning that it was only after a percentage of income.

And, for those looking, you will see ads for lots of places selling healthcare insurance. They claim to be the most inexpensive but they are not. Going to healthcare.gov or directly to the provider is the cheapest I found. I think they are trolling for those who don't make enough to pay so whatever they pay doesn't really matter.

For those who oppose Omaba/SCOTUScare. It is what it is, it is what we are stuck with. You hardly hear a word about repeal any more. My opinion, it could be much better if regardless of employment status we all fell under the same system. That would make it, or should, cheaper for everyone.

do not try to understand what obamacare is, just accept the fact that it will cost you a lot of money, but you will receive less services than before

And when asked to prove any of that, its proponents flame and run away.