For the first time, more than 90% of Americans have health insurance

[Flopper]

With rise in the number of insured, Republicans have missed the boat in attempts to repeal Obamacare. There would be just too many people lose their insurance. This means any attempt to seriously repeal Obamacare would have to have new healthcare legislation so these people would not loose their coverage plus there would have to be hundreds of bridges between the old and new legislation. Frankly, I don't think congress is up to this.

They were up to 53 attempts to appeal it. They've gone quiet since King v Burwell and Paul Ryan's ascent to Speaker last October. Ryan's first announcement as Speaker was that Congress had a Super-Duper Brand-Spanking-New Plan to Overturn Obamacare and Provide Americans with REAL insurance options.

Nine months later, nada. Did he abort it?

And the reason is pretty simple. For Americans, healthcare is no longer at the top of their list as America's most important problem. It's fallen to 9th. The number that approve of the law are now about equal to those that disapprove. When you consider what would be required to transition to a new healthcare system, few in congress including Republicans would be willing to create a replacement.

Most Important Problem

 

[saveliberty]

Now...if people could just afford the $5,000 deductible, they could actually USE the insurance....

 

[Arianrhod]

Now...if people could just afford the $5,000 deductible, they could actually USE the insurance....

How did people afford the $5,000, $10,000, etc. deductibles before the PPACA? Or did you not notice such things prior to 2014? Are you another ignoramus who believes every policy with every insurer across the U.S. offers just one plan? Say more about that.

 

[Arianrhod]

With rise in the number of insured, Republicans have missed the boat in attempts to repeal Obamacare. There would be just too many people lose their insurance. This means any attempt to seriously repeal Obamacare would have to have new healthcare legislation so these people would not loose their coverage plus there would have to be hundreds of bridges between the old and new legislation. Frankly, I don't think congress is up to this.

They were up to 53 attempts to appeal it. They've gone quiet since King v Burwell and Paul Ryan's ascent to Speaker last October. Ryan's first announcement as Speaker was that Congress had a Super-Duper Brand-Spanking-New Plan to Overturn Obamacare and Provide Americans with REAL insurance options.

Nine months later, nada. Did he abort it?

And the reason is pretty simple. For Americans, healthcare is no longer at the top of their list as America's most important problem. It's fallen to 9th. The number that approve of the law are now about equal to those that disapprove. When you consider what would be required to transition to a new healthcare system, few in congress including Republicans would be willing to create a replacement.

Most Important Problem

Could be Bernie's constantly harping on the economy has woken up everyone except the Luddites on USMB. The last shrieking Flat World holdouts. Comical, that.

 

[Conservative65]

Now...if people could just afford the $5,000 deductible, they could actually USE the insurance....

How did people afford the $5,000, $10,000, etc. deductibles before the PPACA? Or did you not notice such things prior to 2014? Are you another ignoramus who believes every policy with every insurer across the U.S. offers just one plan? Say more about that.

The portion of the deductible for which I'm responsible is $750. Works for ME. Why should I be willing to pay more so someone else can have coverage?

 

[saveliberty]

Now...if people could just afford the $5,000 deductible, they could actually USE the insurance....

How did people afford the $5,000, $10,000, etc. deductibles before the PPACA? Or did you not notice such things prior to 2014? Are you another ignoramus who believes every policy with every insurer across the U.S. offers just one plan? Say more about that.

Oh sure there are more options, but what did people actually buy? Don't let the facts obscure your blindness.

 

[Conservative65]

Now...if people could just afford the $5,000 deductible, they could actually USE the insurance....

How did people afford the $5,000, $10,000, etc. deductibles before the PPACA? Or did you not notice such things prior to 2014? Are you another ignoramus who believes every policy with every insurer across the U.S. offers just one plan? Say more about that.

Oh sure there are more options, but what did people actually buy?

So you blame Obama for people's poor decisions.

You think people should be financially responsible when others make bad choices in life they can't afford.

That's nothing more than agreement you support freeloaders. I say let them do without. If they can't afford their own mistakes, too damn bad and it doesn't matter how severe the results.

 

[GHook93]

And over seven months after House Speaker Ryan promised to reveal the GOP's super-special replacement, Congressional Republicans are still whining and doing nothing.

ObamaCare propels number of insured Americans above 90%

For the first time ever, fewer than 10% of Americans lack health insurance, according to data released Tuesday by the CDC. And CNBC calls that "a clear sign of ObamaCare's impact." In 2015, only 9.1% of Americans—about 28.6 million people—were uninsured. That's down from 14.2% in 2013 when ObamaCare really started to go into effect, the Hill reports. That drop amounts to another 16.2 million Americans who now have health insurance. "Today's report is further proof that our country has made undeniable and historic strides thanks to the Affordable Care Act." Sylvia Burwell, secretary of health and human services, tells CNBC. "Our country ought to be proud of how far we've come and where we're going."

But regardless of ObamaCare's success in reducing the ranks of the uninsured—the Obama administration estimates more than 20 million Americans have gained insurance since the ACA passed in 2010—the Hill reports that Republicans still plan to use it as a wedge issue in November. Donald Trump and Senate Republicans believe hitting Hillary Clinton over ObamaCare will propel them to victories. “This healthcare law has been devastating to the Democratic Party," John Barrasso, a Wyoming Republican, tells the Hill.

The report from the CDC is attached for anyone who's interested:

That is if you consider the Bronze program insurance!!!

Obamacare Bronze Health Insurance Plans

Premiums for a single 30 yr old is $257 a month

Deductible: $6859 individuals and $13700 family. For those that don't know, you have to pay the full deductible before your insurer covers anything.

60-40: The. After the deductible is paid, your insurer will only cover 60%.
Co-pay: $40 per office visit

This isn't insurance. This is a cash cow for the insurance industry and a way to avoid a no insurance fee.

Silver isn't much better

Obamacare Silver Health Insurance Plans

Premium: $312 for a single 30 individual per month
Deductible: $3177 per family and $6480 family
70/30: You still pay 30% of costs after the deductible
Co-pay: $30

If you think either of these are insurance then get your head checked!

http://kff.org/health-reform/state-indicator/marketplace-enrollment-by-metal-level/
Total: 11mil
Silver: 7.7 mil
Bronze: 2.4 mil
Catastrophic: 0.6 mil
97% of enrolled fall here

 

[Arianrhod]

And over seven months after House Speaker Ryan promised to reveal the GOP's super-special replacement, Congressional Republicans are still whining and doing nothing.

ObamaCare propels number of insured Americans above 90%

For the first time ever, fewer than 10% of Americans lack health insurance, according to data released Tuesday by the CDC. And CNBC calls that "a clear sign of ObamaCare's impact." In 2015, only 9.1% of Americans—about 28.6 million people—were uninsured. That's down from 14.2% in 2013 when ObamaCare really started to go into effect, the Hill reports. That drop amounts to another 16.2 million Americans who now have health insurance. "Today's report is further proof that our country has made undeniable and historic strides thanks to the Affordable Care Act." Sylvia Burwell, secretary of health and human services, tells CNBC. "Our country ought to be proud of how far we've come and where we're going."

But regardless of ObamaCare's success in reducing the ranks of the uninsured—the Obama administration estimates more than 20 million Americans have gained insurance since the ACA passed in 2010—the Hill reports that Republicans still plan to use it as a wedge issue in November. Donald Trump and Senate Republicans believe hitting Hillary Clinton over ObamaCare will propel them to victories. “This healthcare law has been devastating to the Democratic Party," John Barrasso, a Wyoming Republican, tells the Hill.

The report from the CDC is attached for anyone who's interested:

That is if you consider the Bronze program insurance!!!

Obamacare Bronze Health Insurance Plans

Premiums for a single 30 yr old is $257 a month

Deductible: $6859 individuals and $13700 family. For those that don't know, you have to pay the full deductible before your insurer covers anything.

60-40: The. After the deductible is paid, your insurer will only cover 60%.
Co-pay: $40 per office visit

This isn't insurance. This is a cash cow for the insurance industry and a way to avoid a no insurance fee.

Silver isn't much better

Obamacare Silver Health Insurance Plans

Premium: $312 for a single 30 individual per month
Deductible: $3177 per family and $6480 family
70/30: You still pay 30% of costs after the deductible
Co-pay: $30

If you think either of these are insurance then get your head checked!

Marketplace Enrollment by Metal Level
Total: 11mil
Silver: 7.7 mil
Bronze: 2.4 mil
Catastrophic: 0.6 mil
97% of enrolled fall here

Well, at least you recognize that there are different plans. Someone here is convinced that there's only one bronze plan and everyone has to take it.

The fault, dear Brutus, rests with those governors who refused the Medicare expansion. Expect that to change.

Also, are those premiums before or after the subsidies?

 

[Sun Devil 92]

And over seven months after House Speaker Ryan promised to reveal the GOP's super-special replacement, Congressional Republicans are still whining and doing nothing.

ObamaCare propels number of insured Americans above 90%

For the first time ever, fewer than 10% of Americans lack health insurance, according to data released Tuesday by the CDC. And CNBC calls that "a clear sign of ObamaCare's impact." In 2015, only 9.1% of Americans—about 28.6 million people—were uninsured. That's down from 14.2% in 2013 when ObamaCare really started to go into effect, the Hill reports. That drop amounts to another 16.2 million Americans who now have health insurance. "Today's report is further proof that our country has made undeniable and historic strides thanks to the Affordable Care Act." Sylvia Burwell, secretary of health and human services, tells CNBC. "Our country ought to be proud of how far we've come and where we're going."

But regardless of ObamaCare's success in reducing the ranks of the uninsured—the Obama administration estimates more than 20 million Americans have gained insurance since the ACA passed in 2010—the Hill reports that Republicans still plan to use it as a wedge issue in November. Donald Trump and Senate Republicans believe hitting Hillary Clinton over ObamaCare will propel them to victories. “This healthcare law has been devastating to the Democratic Party," John Barrasso, a Wyoming Republican, tells the Hill.

The report from the CDC is attached for anyone who's interested:

That is if you consider the Bronze program insurance!!!

Obamacare Bronze Health Insurance Plans

Premiums for a single 30 yr old is $257 a month

Deductible: $6859 individuals and $13700 family. For those that don't know, you have to pay the full deductible before your insurer covers anything.

60-40: The. After the deductible is paid, your insurer will only cover 60%.
Co-pay: $40 per office visit

This isn't insurance. This is a cash cow for the insurance industry and a way to avoid a no insurance fee.

Silver isn't much better

Obamacare Silver Health Insurance Plans

Premium: $312 for a single 30 individual per month
Deductible: $3177 per family and $6480 family
70/30: You still pay 30% of costs after the deductible
Co-pay: $30

If you think either of these are insurance then get your head checked!

Marketplace Enrollment by Metal Level
Total: 11mil
Silver: 7.7 mil
Bronze: 2.4 mil
Catastrophic: 0.6 mil
97% of enrolled fall here

17% of GDP and holding steady.

Obamacare hasn't done anything to solve that.

 

[Vigilante]

Apparently we DON'T HAVE TO REPEAL IT...it's almost GONE from it's ineptitude! President Trump will institute a FIX come January!

Getting set to pick up the pieces of ObamaCare's collapse | New York ...
nypost.com/.../getting-set-to-pick-up-the-pieces-of-obamacares-collaps...
New York Post
Apr 19, 2016 - ObamaCare's collapsing. UnitedHealth will abandon most ObamaCare markets, the insurer announced Tuesday. Giant insurers like Aetna and ...
Alaska scrambles to prevent Obamacare collapse - POLITICO
www.politico.com/story/2016/06/alaska-obamacare-collapse-224149
Politico
Jun 10, 2016 - Alaska, one of the reddest states in the country, is essentially bailing out its insurance market to prevent Obamacare from collapsing.
Will Obamacare Collapse Before Obama Leaves Office?
www.aim.org › AIM Column
Accuracy in Media
Apr 29, 2016 - Obamacare has turned out to be a massive boondoggle for the American people, despite the media's consistent attempts to cover up this law's ...
Judge's ruling could mean the final collapse of Obamacare
us.blastingnews.com › News › 2016 › 05
Rating: 5 - ‎1 vote
May 12, 2016 - U.S. District Court Judge Rosemary M. Collyer has issued a ruling that the White House cannot continue to pay subsidies to health care ...
ObamaCare's predictable collapse | TheHill
thehill.com/blogs/pundits-blog/.../260948-obamacares-predictable-collapse
The Hill
Nov 20, 2015 - Yet, that is exactly what is happening, as bad news story after bad news story about the state of ObamaCare arrives on a seemingly weekly ...
Last Remaining Obamacare Exchanges Teetering On Total Collapse
townhall.com/.../catastrophe-last-remaining-obamacare-exchanges-teetering-on-total-c...
Mar 2, 2016 - To channel Donald Trump, Obamacare is a disaster. Guy had the latest on President Obama's signature domestic achievement, where ...
Is Obamacare 'collapsing'? - HealthInsurance.org
Is Obamacare ‘collapsing’?obamacare-collapsing/
Nov 16, 2015 - But no – emphatically no – Obamacare is nowhere close to collapsing. In many regards, it is a big success, much to the chagrin of the law's ...
Conservatives Can't Let Obamacare's Collapse go to Waste
https://www.conservativereview.com/.../conservatives-cant-let-obamacares-collapse-g...
Apr 21, 2016 - United Healthcare's decision to pull out of most of Obamacare's exchange is a chance to offer conservative solutions that will increase the ...
More than half of state-funded ObamaCare exchanges scrapped or on ...
https://www.illinoispolicy.org/more-than-half-of-state-funded-obamacare-exchanges-s...
Of those 15 ObamaCare exchanges, eight are either being scrapped or are on the verge of collapse, with some states reverting back to the federal ObamaCare ...

 

[GHook93]

And over seven months after House Speaker Ryan promised to reveal the GOP's super-special replacement, Congressional Republicans are still whining and doing nothing.

ObamaCare propels number of insured Americans above 90%

For the first time ever, fewer than 10% of Americans lack health insurance, according to data released Tuesday by the CDC. And CNBC calls that "a clear sign of ObamaCare's impact." In 2015, only 9.1% of Americans—about 28.6 million people—were uninsured. That's down from 14.2% in 2013 when ObamaCare really started to go into effect, the Hill reports. That drop amounts to another 16.2 million Americans who now have health insurance. "Today's report is further proof that our country has made undeniable and historic strides thanks to the Affordable Care Act." Sylvia Burwell, secretary of health and human services, tells CNBC. "Our country ought to be proud of how far we've come and where we're going."

But regardless of ObamaCare's success in reducing the ranks of the uninsured—the Obama administration estimates more than 20 million Americans have gained insurance since the ACA passed in 2010—the Hill reports that Republicans still plan to use it as a wedge issue in November. Donald Trump and Senate Republicans believe hitting Hillary Clinton over ObamaCare will propel them to victories. “This healthcare law has been devastating to the Democratic Party," John Barrasso, a Wyoming Republican, tells the Hill.

The report from the CDC is attached for anyone who's interested:

That is if you consider the Bronze program insurance!!!

Obamacare Bronze Health Insurance Plans

Premiums for a single 30 yr old is $257 a month

Deductible: $6859 individuals and $13700 family. For those that don't know, you have to pay the full deductible before your insurer covers anything.

60-40: The. After the deductible is paid, your insurer will only cover 60%.
Co-pay: $40 per office visit

This isn't insurance. This is a cash cow for the insurance industry and a way to avoid a no insurance fee.

Silver isn't much better

Obamacare Silver Health Insurance Plans

Premium: $312 for a single 30 individual per month
Deductible: $3177 per family and $6480 family
70/30: You still pay 30% of costs after the deductible
Co-pay: $30

If you think either of these are insurance then get your head checked!

Marketplace Enrollment by Metal Level
Total: 11mil
Silver: 7.7 mil
Bronze: 2.4 mil
Catastrophic: 0.6 mil
97% of enrolled fall here

Well, at least you recognize that there are different plans. Someone here is convinced that there's only one bronze plan and everyone has to take it.

The fault, dear Brutus, rests with those governors who refused the Medicare expansion. Expect that to change.

Also, are those premiums before or after the subsidies?

Not sure, but I assume before. But really the killer is the deductible and 60/40 or 70/30. Heck I hate my $1500 group plan deductible and 80/20 co-pay and I make $112,500 a year with a possible 7.5% bonus.

I just don't see how giving people unaffordable insurance helps!

 

[Arianrhod]

And over seven months after House Speaker Ryan promised to reveal the GOP's super-special replacement, Congressional Republicans are still whining and doing nothing.

ObamaCare propels number of insured Americans above 90%

For the first time ever, fewer than 10% of Americans lack health insurance, according to data released Tuesday by the CDC. And CNBC calls that "a clear sign of ObamaCare's impact." In 2015, only 9.1% of Americans—about 28.6 million people—were uninsured. That's down from 14.2% in 2013 when ObamaCare really started to go into effect, the Hill reports. That drop amounts to another 16.2 million Americans who now have health insurance. "Today's report is further proof that our country has made undeniable and historic strides thanks to the Affordable Care Act." Sylvia Burwell, secretary of health and human services, tells CNBC. "Our country ought to be proud of how far we've come and where we're going."

But regardless of ObamaCare's success in reducing the ranks of the uninsured—the Obama administration estimates more than 20 million Americans have gained insurance since the ACA passed in 2010—the Hill reports that Republicans still plan to use it as a wedge issue in November. Donald Trump and Senate Republicans believe hitting Hillary Clinton over ObamaCare will propel them to victories. “This healthcare law has been devastating to the Democratic Party," John Barrasso, a Wyoming Republican, tells the Hill.

The report from the CDC is attached for anyone who's interested:

That is if you consider the Bronze program insurance!!!

Obamacare Bronze Health Insurance Plans

Premiums for a single 30 yr old is $257 a month

Deductible: $6859 individuals and $13700 family. For those that don't know, you have to pay the full deductible before your insurer covers anything.

60-40: The. After the deductible is paid, your insurer will only cover 60%.
Co-pay: $40 per office visit

This isn't insurance. This is a cash cow for the insurance industry and a way to avoid a no insurance fee.

Silver isn't much better

Obamacare Silver Health Insurance Plans

Premium: $312 for a single 30 individual per month
Deductible: $3177 per family and $6480 family
70/30: You still pay 30% of costs after the deductible
Co-pay: $30

If you think either of these are insurance then get your head checked!

Marketplace Enrollment by Metal Level
Total: 11mil
Silver: 7.7 mil
Bronze: 2.4 mil
Catastrophic: 0.6 mil
97% of enrolled fall here

Well, at least you recognize that there are different plans. Someone here is convinced that there's only one bronze plan and everyone has to take it.

The fault, dear Brutus, rests with those governors who refused the Medicare expansion. Expect that to change.

Also, are those premiums before or after the subsidies?

Not sure, but I assume before. But really the killer is the deductible and 60/40 or 70/30. Heck I hate my $1500 group plan deductible and 80/20 co-pay and I make $112,500 a year with a possible 7.5% bonus.

I just don't see how giving people unaffordable insurance helps!

Based on what I've read in the forum, I think a lot of people got suckered by either their insurer or an insurance broker into paying the full premium because they were told that going through the PPACA exchanges would give them cooties. If they'd just gone here:

Health Insurance Marketplace Calculator

they'd have known what subsidies were available to them and, if possible, chosen a silver plan rather than a bronze.

But then there's that "Oh, I'll never get sick, so I'll go with the cheap one with the high deductible" trap. Most of those who fell into that one never had to buy their own insurance before and they didn't understand what it entailed.

If you polled half the people on this board, they wouldn't know the difference between a premium and a deductible.

Hell, Conservative65 doesn't even understand the difference between "elective" and "essential."

 

[Flopper]

And over seven months after House Speaker Ryan promised to reveal the GOP's super-special replacement, Congressional Republicans are still whining and doing nothing.

ObamaCare propels number of insured Americans above 90%

For the first time ever, fewer than 10% of Americans lack health insurance, according to data released Tuesday by the CDC. And CNBC calls that "a clear sign of ObamaCare's impact." In 2015, only 9.1% of Americans—about 28.6 million people—were uninsured. That's down from 14.2% in 2013 when ObamaCare really started to go into effect, the Hill reports. That drop amounts to another 16.2 million Americans who now have health insurance. "Today's report is further proof that our country has made undeniable and historic strides thanks to the Affordable Care Act." Sylvia Burwell, secretary of health and human services, tells CNBC. "Our country ought to be proud of how far we've come and where we're going."

But regardless of ObamaCare's success in reducing the ranks of the uninsured—the Obama administration estimates more than 20 million Americans have gained insurance since the ACA passed in 2010—the Hill reports that Republicans still plan to use it as a wedge issue in November. Donald Trump and Senate Republicans believe hitting Hillary Clinton over ObamaCare will propel them to victories. “This healthcare law has been devastating to the Democratic Party," John Barrasso, a Wyoming Republican, tells the Hill.

The report from the CDC is attached for anyone who's interested:

That is if you consider the Bronze program insurance!!!

Obamacare Bronze Health Insurance Plans

Premiums for a single 30 yr old is $257 a month

Deductible: $6859 individuals and $13700 family. For those that don't know, you have to pay the full deductible before your insurer covers anything.

60-40: The. After the deductible is paid, your insurer will only cover 60%.
Co-pay: $40 per office visit

This isn't insurance. This is a cash cow for the insurance industry and a way to avoid a no insurance fee.

Silver isn't much better

Obamacare Silver Health Insurance Plans

Premium: $312 for a single 30 individual per month
Deductible: $3177 per family and $6480 family
70/30: You still pay 30% of costs after the deductible
Co-pay: $30

If you think either of these are insurance then get your head checked!

Marketplace Enrollment by Metal Level
Total: 11mil
Silver: 7.7 mil
Bronze: 2.4 mil
Catastrophic: 0.6 mil
97% of enrolled fall here

You seem to be neglecting the amount of government subsidy available based on income. I ran an estimate on this plan for a 30 yr old with a $30,000 income. The premium after subsidies is $172/mo. Even considering the low intintial coverage this is not a lot to pay for catastrophic health insurance.

Consider the fact that the average 3 day hospital stay cost $30,000 in the US. This policy would cover at least $23,000 of that amount. I had a member of my family in ICU for over two weeks, had 3 operations and passed. The total bill before insurance payments was about $435,000. The bronze policy would have paid approximately 96% of the bill. This why they referred to these polices as catastrophic policies.

People make the mistake of comparing individual coverage premiums and benefits with employee coverage, neglecting the facts that individual policies cost more and cover less than group policies and most employers pay a sizable portion of the premium. In 2015, the average premium for a single employee was $521/mo of which the employer paid 83%, leaving $89/mo. for the employee to pay and an average deductible of $900 a year. So comparing the benefits and premiums an employee pays with that of a person with individual insurance is an apples and oranges comparison.
FAQ - How Much Does it Cost to Provide Health Insurance to Employees?

 

[Flopper]

And over seven months after House Speaker Ryan promised to reveal the GOP's super-special replacement, Congressional Republicans are still whining and doing nothing.

ObamaCare propels number of insured Americans above 90%

For the first time ever, fewer than 10% of Americans lack health insurance, according to data released Tuesday by the CDC. And CNBC calls that "a clear sign of ObamaCare's impact." In 2015, only 9.1% of Americans—about 28.6 million people—were uninsured. That's down from 14.2% in 2013 when ObamaCare really started to go into effect, the Hill reports. That drop amounts to another 16.2 million Americans who now have health insurance. "Today's report is further proof that our country has made undeniable and historic strides thanks to the Affordable Care Act." Sylvia Burwell, secretary of health and human services, tells CNBC. "Our country ought to be proud of how far we've come and where we're going."

But regardless of ObamaCare's success in reducing the ranks of the uninsured—the Obama administration estimates more than 20 million Americans have gained insurance since the ACA passed in 2010—the Hill reports that Republicans still plan to use it as a wedge issue in November. Donald Trump and Senate Republicans believe hitting Hillary Clinton over ObamaCare will propel them to victories. “This healthcare law has been devastating to the Democratic Party," John Barrasso, a Wyoming Republican, tells the Hill.

The report from the CDC is attached for anyone who's interested:

That is if you consider the Bronze program insurance!!!

Obamacare Bronze Health Insurance Plans

Premiums for a single 30 yr old is $257 a month

Deductible: $6859 individuals and $13700 family. For those that don't know, you have to pay the full deductible before your insurer covers anything.

60-40: The. After the deductible is paid, your insurer will only cover 60%.
Co-pay: $40 per office visit

This isn't insurance. This is a cash cow for the insurance industry and a way to avoid a no insurance fee.

Silver isn't much better

Obamacare Silver Health Insurance Plans

Premium: $312 for a single 30 individual per month
Deductible: $3177 per family and $6480 family
70/30: You still pay 30% of costs after the deductible
Co-pay: $30

If you think either of these are insurance then get your head checked!

Marketplace Enrollment by Metal Level
Total: 11mil
Silver: 7.7 mil
Bronze: 2.4 mil
Catastrophic: 0.6 mil
97% of enrolled fall here

Well, at least you recognize that there are different plans. Someone here is convinced that there's only one bronze plan and everyone has to take it.

The fault, dear Brutus, rests with those governors who refused the Medicare expansion. Expect that to change.

Also, are those premiums before or after the subsidies?

Not sure, but I assume before. But really the killer is the deductible and 60/40 or 70/30. Heck I hate my $1500 group plan deductible and 80/20 co-pay and I make $112,500 a year with a possible 7.5% bonus.

I just don't see how giving people unaffordable insurance helps!

Have you compared a catastrophic plan with say a $6,000 individual, $12,000 family deductible plan. In most states the insurance company pays all expenses after you meet your deductible. I saw such a plan listed at $704/mo for a family of 4 in the state of Florida. Many employers are offering these plans and they have really low premiums.

Also, consider that your expenses with insurance is lower during the deductible phase compared to no insurance because most of the insurance companies have negotiated rates with providers. So instead of paying $120 for a doctor's visit during the deductible phase, you would be paying the insurance company's negotiated rate, say $80. Also there is savings on your prescriptions. In addition, doctors will often back off on some things if you tell them you have a high deductible plan and you're having to pay out of pocket.

Generally catastrophic plans can save you a lot of money provided you can budget for the deductible period. After, all this is what insurance was designed to do, pay for what you can't pay.

 

[GHook93]

And over seven months after House Speaker Ryan promised to reveal the GOP's super-special replacement, Congressional Republicans are still whining and doing nothing.

ObamaCare propels number of insured Americans above 90%

For the first time ever, fewer than 10% of Americans lack health insurance, according to data released Tuesday by the CDC. And CNBC calls that "a clear sign of ObamaCare's impact." In 2015, only 9.1% of Americans—about 28.6 million people—were uninsured. That's down from 14.2% in 2013 when ObamaCare really started to go into effect, the Hill reports. That drop amounts to another 16.2 million Americans who now have health insurance. "Today's report is further proof that our country has made undeniable and historic strides thanks to the Affordable Care Act." Sylvia Burwell, secretary of health and human services, tells CNBC. "Our country ought to be proud of how far we've come and where we're going."

But regardless of ObamaCare's success in reducing the ranks of the uninsured—the Obama administration estimates more than 20 million Americans have gained insurance since the ACA passed in 2010—the Hill reports that Republicans still plan to use it as a wedge issue in November. Donald Trump and Senate Republicans believe hitting Hillary Clinton over ObamaCare will propel them to victories. “This healthcare law has been devastating to the Democratic Party," John Barrasso, a Wyoming Republican, tells the Hill.

The report from the CDC is attached for anyone who's interested:

That is if you consider the Bronze program insurance!!!

Obamacare Bronze Health Insurance Plans

Premiums for a single 30 yr old is $257 a month

Deductible: $6859 individuals and $13700 family. For those that don't know, you have to pay the full deductible before your insurer covers anything.

60-40: The. After the deductible is paid, your insurer will only cover 60%.
Co-pay: $40 per office visit

This isn't insurance. This is a cash cow for the insurance industry and a way to avoid a no insurance fee.

Silver isn't much better

Obamacare Silver Health Insurance Plans

Premium: $312 for a single 30 individual per month
Deductible: $3177 per family and $6480 family
70/30: You still pay 30% of costs after the deductible
Co-pay: $30

If you think either of these are insurance then get your head checked!

Marketplace Enrollment by Metal Level
Total: 11mil
Silver: 7.7 mil
Bronze: 2.4 mil
Catastrophic: 0.6 mil
97% of enrolled fall here

Well, at least you recognize that there are different plans. Someone here is convinced that there's only one bronze plan and everyone has to take it.

The fault, dear Brutus, rests with those governors who refused the Medicare expansion. Expect that to change.

Also, are those premiums before or after the subsidies?

Not sure, but I assume before. But really the killer is the deductible and 60/40 or 70/30. Heck I hate my $1500 group plan deductible and 80/20 co-pay and I make $112,500 a year with a possible 7.5% bonus.

I just don't see how giving people unaffordable insurance helps!

Have you compared a catastrophic plan with say a $6,000 individual, $12,000 family deductible plan. In most states the insurance company pays all expenses after you meet your deductible. I saw such a plan listed at $704/mo for a family of 4 in the state of Florida. Many employers are offering these plans and they have really low premiums.

Also, consider that your expenses with insurance is lower during the deductible phase compared to no insurance because most of the insurance companies have negotiated rates with providers. So instead of paying $120 for a doctor's visit during the deductible phase, you would be paying the insurance company's negotiated rate, say $80. Also there is savings on your prescriptions. In addition, doctors will often back off on some things if you tell them you have a high deductible plan and you're having to pay out of pocket.

Generally catastrophic plans can save you a lot of money provided you can budget for the deductible period. After, all this is what insurance was designed to do, pay for what you can't pay.

The bronze programs are essentially catastrophic plans and silver programs are essential catastrophic lite!

 

[Arianrhod]

The bronze programs are essentially catastrophic plans and silver programs are essential catastrophic lite!

What's covered in those plans is not essentially different from what it was prior to the PPACA...except for the little things like denial for preexisting conditions, lifetime caps, arbitrary refusal to cover costly surgeries after those surgeries were performed.

The conspicuous difference to the consumer is in the considerably lower monthly premiums. But people who bought the propaganda and refused to go to the online exchanges got to pay full premiums and they're the ones who are hollering.

They and the "I don't need no stinkin' Obozocare" morons yawping in this forum.

Stupid is as stupid does.

 

[Flopper]

The bronze programs are essentially catastrophic plans and silver programs are essential catastrophic lite!

What's covered in those plans is not essentially different from what it was prior to the PPACA...except for the little things like denial for preexisting conditions, lifetime caps, arbitrary refusal to cover costly surgeries after those surgeries were performed.

The conspicuous difference to the consumer is in the considerably lower monthly premiums. But people who bought the propaganda and refused to go to the online exchanges got to pay full premiums and they're the ones who are hollering.

They and the "I don't need no stinkin' Obozocare" morons yawping in this forum.

Stupid is as stupid does.

Preexisting conditions, lifetime caps, and arbitrary refusals are not little things. They add significantly to the cost of insurance and guarantee that when you or your family are seriously ill with huge medical costs, your medical bills will be paid. In addition there are many other benefits other than what you listed that did not exist in all policies and in all areas prior to Obamacare.

 

[Arianrhod]

The bronze programs are essentially catastrophic plans and silver programs are essential catastrophic lite!

What's covered in those plans is not essentially different from what it was prior to the PPACA...except for the little things like denial for preexisting conditions, lifetime caps, arbitrary refusal to cover costly surgeries after those surgeries were performed.

The conspicuous difference to the consumer is in the considerably lower monthly premiums. But people who bought the propaganda and refused to go to the online exchanges got to pay full premiums and they're the ones who are hollering.

They and the "I don't need no stinkin' Obozocare" morons yawping in this forum.

Stupid is as stupid does.

Preexisting conditions, lifetime caps, and arbitrary refusals are not little things. They add significantly to the cost of insurance and guarantee that when you or your family are seriously ill with huge medical costs, your medical bills will be paid. In addition there are many other benefits other than what you listed that did not exist in all policies and in all areas prior to Obamacare.

I was being sarcastic. Adults know how serious those things are. Every one of us knows someone who's been denied or capped or abandoned to massive loans if not bankruptcy for health reasons, as well as people who've had to stop life-saving treatment because the insurer arbitrarily decided that six chemo treatments were sufficient despite the doctors' insistence on 12.

But the idiot brigade in this forum has never faced this and doesn't care and the constant and ad hominem instead of adult discussion is getting on my nerves.

Hey, WestWall, is that enough content for you?

 

[Conservative65]

The bronze programs are essentially catastrophic plans and silver programs are essential catastrophic lite!

What's covered in those plans is not essentially different from what it was prior to the PPACA...except for the little things like denial for preexisting conditions, lifetime caps, arbitrary refusal to cover costly surgeries after those surgeries were performed.

The conspicuous difference to the consumer is in the considerably lower monthly premiums. But people who bought the propaganda and refused to go to the online exchanges got to pay full premiums and they're the ones who are hollering.

They and the "I don't need no stinkin' Obozocare" morons yawping in this forum.

Stupid is as stupid does.

Preexisting conditions, lifetime caps, and arbitrary refusals are not little things. They add significantly to the cost of insurance and guarantee that when you or your family are seriously ill with huge medical costs, your medical bills will be paid. In addition there are many other benefits other than what you listed that did not exist in all policies and in all areas prior to Obamacare.

I was being sarcastic. Adults know how serious those things are. Every one of us knows someone who's been denied or capped or abandoned to massive loans if not bankruptcy for health reasons, as well as people who've had to stop life-saving treatment because the insurer arbitrarily decided that six chemo treatments were sufficient despite the doctors' insistence on 12.

But the idiot brigade in this forum has never faced this and doesn't care and the constant and ad hominem instead of adult discussion is getting on my nerves.

Hey, WestWall, is that enough content for you?

Everyone of us does? I don't.

I get on your nerves? Good. Now, the question is what the **** are you going to do about it, whine?