Obama Lied To All Of Us

[Viktor]

His plan was not necessary at all.

1.Anyone who has no insurance can get free medical care at a Federal Community Clinic

Use this to find a clinic near you

Free Clinics | Free Medical Clinics | Free Health Clinics

Free Clinic

www.freeclinics.com

2.Many private ins cos cover preexisting conditions. I had 2 different ones during the 1980-90s. Both Kaiser and Healthnet cover PEC. This was before there was Obamacare.

 

[pknopp]

His plan was not necessary at all.

1.Anyone who has no insurance can get free medical care at a Federal Community Clinic

I don't even have any idea where one of these places exist. Even at that all you can get is basic treatment.

2.Many private ins cos cover preexisting conditions. I had 2 different ones during the 1980-90s. Both Kaiser and Healthnet cover PEC.

That's wonderful what you had 30-40 years ago.

Obama lied but those like you are a part of the reason we can't get the right things done.

 

[Viktor]

His plan was not necessary at all.

1.Anyone who has no insurance can get free medical care at a Federal Community Clinic

I don't even have any idea where one of these places exist. Even at that all you can get is basic treatment.

2.Many private ins cos cover preexisting conditions. I had 2 different ones during the 1980-90s. Both Kaiser and Healthnet cover PEC.

That's wonderful what you had 30-40 years ago.

Obama lied but those like you are a part of the reason we can't get the right things done.

I don't converse with arrogant assholes. Get lost

 

[Penelope]

His plan was not necessary at all.

1.Anyone who has no insurance can get free medical care at a Federal Community Clinic

Use this to find a clinic near you

Free Clinics | Free Medical Clinics | Free Health Clinics

Free Clinic

www.freeclinics.com

2.Many private ins cos cover preexisting conditions. I had 2 different ones during the 1980-90s. Both Kaiser and Healthnet cover PEC. This was before there was Obamacare.

Patsy Bates lawsuit[edit]
In 2007, Patsy Bates, a California beautician, sued Health Net claiming that they wrongfully terminated her care in the middle of her chemotherapy treatments. An internal company employee performance review made public during the lawsuit revealed that one of the company's managers had tied bonuses to the rescission rate for one analyst in charge of rescission reviews to discover reasons (such as application fraud) to discontinue coverage to enrollees. The company pointed out that Bates had withheld critical information - that she had damaged her heart by the use of fen-phen for diet purposes and stated an inaccurate weight; Bates replied that the insurance broker had filled out the form for her and she had been busy in her salon.[29] In February 2008, the court ruled in favor of Bates, ordering Health Net to pay $8.4 million in punitive damages and $750,000 for emotional distress.[30]

Health Net - Wikipedia

en.wikipedia.org

 

[Penelope]

Historical issues[edit]
In 2006 Kaiser settled five cases for alleged patient dumping—the delivery of homeless hospitalized patients to other agencies or organizations in order to avoid expensive medical care—between 2002 and 2005. Los Angeles city officials had filed civil and criminal legal action against Kaiser Permanente for patient dumping, which was the first action of its kind that the city had taken.[61] The city's decision to charge Kaiser Permanente reportedly was influenced by security camera footage, allegedly showing a 63-year-old patient, dressed in hospital gown and slippers, wandering toward a mission on Skid Row (this footage was prominently featured in the Michael Moore 2007 documentary Sicko). At the time that the complaint was filed, city officials said that 10 other hospitals were under investigation for similar issues.[61] Kaiser settled the case, paying $5,000 in civil penalties and agreeing to spend $500,000 on services for the homeless.[62] During that same period, the Department of Health and Human Services' Office of the Inspector General settled 102 cases against U.S. hospitals which resulted in a monetary payment to the agency.[63][64]

In 2004, Northern California Kaiser Permanente initiated an in-house program for kidney transplantation. Prior to opening the transplant center, Northern California Kaiser patients would generally receive transplants at medical centers associated with the University of California (UC San Francisco and UC Davis). Upon opening the transplant center, Kaiser required that members who are transplant candidates in Northern California obtain services exclusively through its internal KP-owned transplant center.

While it was in operation, the Kaiser program had a 100% survival rate, which is better than other transplant centers. However, patients who needed a kidney were less likely to be offered one.[65] Northern California Kaiser performed 56 transplants in 2005, and twice that many patients died while waiting for a kidney. At other California transplant centers, more than twice as many people received kidneys than died during the same period. Unlike other centers, the Kaiser program did not perform riskier transplants or use donated organs from elderly or other higher-risk people, which have worse outcomes. Northern California Kaiser closed the kidney transplant program in May 2006. As before, Northern California Kaiser now pays for pre-transplant care and transplants at other hospitals. This change affected approximately 2,000 patients.[66][67]

Kaiser Permanente - Wikipedia

en.wikipedia.org

 

[harmonica]

of course he lied...he hates whites/America/cops.....linked many times before and now he adds even more proof

 

[Penelope]

of course he lied...he hates whites/America/cops.....linked many times before and now he adds even more proof

The republicans couldn't stand a black man in the white house.

 

[pknopp]

of course he lied...he hates whites/America/cops.....linked many times before and now he adds even more proof

The republicans couldn't stand a black man in the white house.

While in many cases true it doesn't excuse Obama's lies.

 

[debbiedowner]

His plan was not necessary at all.

1.Anyone who has no insurance can get free medical care at a Federal Community Clinic

Use this to find a clinic near you

Free Clinics | Free Medical Clinics | Free Health Clinics

Free Clinic

www.freeclinics.com

2.Many private ins cos cover preexisting conditions. I had 2 different ones during the 1980-90s. Both Kaiser and Healthnet cover PEC. This was before there was Obamacare.

Don't know of any health insurance companies that sold individual health insurance plans before ACA covered pre existing conditions. Now in different states employer group may have covered them and very few asked health questions unless the employer group was 100 +. I do know of a few that would issue an individual policy and then if you had a claim and they found out it was pre x would cancel your policy and if you had a claim they paid make you pay it back.

Pre-existing Conditions and Medical Underwriting in the Individual Insurance Market Prior to the ACA | KFF

This brief reviews medical underwriting practices by private insurers in the individual health insurance market prior to 2014, and estimates how many American adults could face difficulty obtaining private individual market insurance because of a pre-existing condition if the Affordable Care Act...

www.kff.org

Before private insurance market rules in the Affordable Care Act (ACA) took effect in 2014, health insurance sold in the individual market in most states was medically underwritten.1 That means insurers evaluated the health status, health history, and other risk factors of applicants to determine whether and under what terms to issue coverage. To what extent people with pre-existing health conditions are protected is likely to be a central issue in the debate over repealing and replacing the ACA.

This brief reviews medical underwriting practices by private insurers in the individual health insurance market prior to 2014, and estimates how many American adults could face difficulty obtaining private individual market insurance if the ACA were repealed or amended and such practices resumed. We examine data from two large government surveys: The National Health Interview Survey (NHIS) and the Behavioral Risk Factor Surveillance System (BRFSS), both of which can be used to estimate rates of various health conditions (NHIS at the national level and BRFSS at the state level). We consulted field underwriting manuals used in the individual market prior to passage of the ACA as a reference for commonly declinable conditions.

Estimates of the Share of Adults with Pre-Existing Conditions
We estimate that 27% of adult Americans under the age of 65 have health conditions that would likely leave them uninsurable if they applied for individual market coverage under pre-ACA underwriting practices that existed in nearly all states. While a large share of this group has coverage through an employer or public coverage where they do not face medical underwriting, these estimates quantify how many people could be ineligible for individual market insurance under pre-ACA practices if they were to ever lose this coverage. This is a conservative estimate as these surveys do not include sufficient detail on several conditions that would have been declinable before the ACA (such as HIV/AIDS, or hepatitis C). Additionally, millions more have other conditions that could be either declinable by some insurers based on their pre-ACA underwriting guidelines or grounds for higher premiums, exclusions, or limitations under pre-ACA underwriting practices. In a separate Kaiser Family Foundation poll, most people (53%) report that they or someone in their household has a pre-existing condition.

A larger share of nonelderly women (30%) than men (24%) have declinable preexisting conditions. We estimate that 22.8 million nonelderly men have a preexisting condition that would have left them uninsurable in the individual market pre-ACA, compared to 29.4 million women. Pregnancy explains part, but not all of the difference.

The rates of declinable pre-existing conditions vary from state to state. On the low end, in Colorado and Minnesota, at least 22% of non-elderly adults have conditions that would likely be declinable if they were to seek coverage in the individual market under pre-ACA underwriting practices. Rates are higher in other states – particularly in the South – such as Tennessee (32%), Arkansas (32%), Alabama (33%), Kentucky (33%), Mississippi (34%), and West Virginia (36%), where at least a third of the non-elderly population would have declinable conditions.

 

[pknopp]

While one might argue some could get insurance with a pre-existing condition, affording it is another story.

One that really still exists for many.

 

[Viktor]

His plan was not necessary at all.

1.Anyone who has no insurance can get free medical care at a Federal Community Clinic

Use this to find a clinic near you

Free Clinics | Free Medical Clinics | Free Health Clinics

Free Clinic

www.freeclinics.com

2.Many private ins cos cover preexisting conditions. I had 2 different ones during the 1980-90s. Both Kaiser and Healthnet cover PEC. This was before there was Obamacare.

Don't know of any health insurance companies that sold individual health insurance plans before ACA covered pre existing conditions. Now in different states employer group may have covered them and very few asked health questions unless the employer group was 100 +. I do know of a few that would issue an individual policy and then if you had a claim and they found out it was pre x would cancel your policy and if you had a claim they paid make you pay it back.

Pre-existing Conditions and Medical Underwriting in the Individual Insurance Market Prior to the ACA | KFF

This brief reviews medical underwriting practices by private insurers in the individual health insurance market prior to 2014, and estimates how many American adults could face difficulty obtaining private individual market insurance because of a pre-existing condition if the Affordable Care Act...

www.kff.org

Before private insurance market rules in the Affordable Care Act (ACA) took effect in 2014, health insurance sold in the individual market in most states was medically underwritten.1 That means insurers evaluated the health status, health history, and other risk factors of applicants to determine whether and under what terms to issue coverage. To what extent people with pre-existing health conditions are protected is likely to be a central issue in the debate over repealing and replacing the ACA.

This brief reviews medical underwriting practices by private insurers in the individual health insurance market prior to 2014, and estimates how many American adults could face difficulty obtaining private individual market insurance if the ACA were repealed or amended and such practices resumed. We examine data from two large government surveys: The National Health Interview Survey (NHIS) and the Behavioral Risk Factor Surveillance System (BRFSS), both of which can be used to estimate rates of various health conditions (NHIS at the national level and BRFSS at the state level). We consulted field underwriting manuals used in the individual market prior to passage of the ACA as a reference for commonly declinable conditions.

Estimates of the Share of Adults with Pre-Existing Conditions
We estimate that 27% of adult Americans under the age of 65 have health conditions that would likely leave them uninsurable if they applied for individual market coverage under pre-ACA underwriting practices that existed in nearly all states. While a large share of this group has coverage through an employer or public coverage where they do not face medical underwriting, these estimates quantify how many people could be ineligible for individual market insurance under pre-ACA practices if they were to ever lose this coverage. This is a conservative estimate as these surveys do not include sufficient detail on several conditions that would have been declinable before the ACA (such as HIV/AIDS, or hepatitis C). Additionally, millions more have other conditions that could be either declinable by some insurers based on their pre-ACA underwriting guidelines or grounds for higher premiums, exclusions, or limitations under pre-ACA underwriting practices. In a separate Kaiser Family Foundation poll, most people (53%) report that they or someone in their household has a pre-existing condition.

A larger share of nonelderly women (30%) than men (24%) have declinable preexisting conditions. We estimate that 22.8 million nonelderly men have a preexisting condition that would have left them uninsurable in the individual market pre-ACA, compared to 29.4 million women. Pregnancy explains part, but not all of the difference.

The rates of declinable pre-existing conditions vary from state to state. On the low end, in Colorado and Minnesota, at least 22% of non-elderly adults have conditions that would likely be declinable if they were to seek coverage in the individual market under pre-ACA underwriting practices. Rates are higher in other states – particularly in the South – such as Tennessee (32%), Arkansas (32%), Alabama (33%), Kentucky (33%), Mississippi (34%), and West Virginia (36%), where at least a third of the non-elderly population would have declinable conditions.

I already told you two insurance companies which covered PECs. Kaiser Permanente and Healthnet.
This was in the 1990s before Obamacare. My memory also tells me that Aetna and Blue Cross covered them. My father had Diabetes and his Blue Cross plan covered all his meds and testing supplies way back in the 1950s. What the insurers did was set up a waiting period for PECs. Once you entered the plan, you had to wait 30, 60 or 90 days before the PEC was covered. I have high blood pressure and irritable bowel syndrome and both were covered by Kaiser and Healthnet. So all Obama's claims about his plan were bullshit.

 

[debbiedowner]

While one might argue some could get insurance with a pre-existing condition, affording it is another story.

One that really still exists for many.

What a lot of people repeat on these boards are what they have heard on news or from friends and it's amazing after all these years how many do not understand how the system works or rather how to play the game. It's all about modified adjusted gross income on how much your premium may be on an individual health plan and what percentage of the poverty level. People on here are bitching about $7000 deductible and it doesn't have to be in just many cases. Some do not understand deductible vs max out of pocket per year. I have seen many over the past several years say I have a $15000 deductible and that is impossible if they have an ACA compliant plan. The lowest deductible for 2021 same as years past is zero and the highest is $8550. Leaving out 3 states on the west coast when you see when you see (for example) Deductible $5000/10,000 that means one person has a $5000 deductible and if there are more than 2 people in the family once for the first two hit $10000 then the other's do not have to meet their deductible. In same example if max out of pocket says $8550/17,100 means when one person reaches his max he pays no more co pays, co insurance when 2 hit it then the whole family, whether the other's met anything, have no co pays, co insurance. Just an example many have lower deductibles and max out of pocket and many have more.

I do have to admit if one is going to healthcare.gov and applying themselves some questions are misleading and you just don't know what to answer. For instance it use to say what is your household income I noticed yesterday it said net well HHS and IRS reconcile this on your taxes for that year as modified adjusted gross. I have more that fall into 100-250% of federal poverty level and therefore have decent premium's and then I have a handful over 400% of FPL and pay through the nose. FPL in non medicaid expansion states is 100% and expanded 138% and no one other than a pregnant woman or poor people on disability gets medicaid so anyone under 100% gets nothing.

 

[debbiedowner]

His plan was not necessary at all.

1.Anyone who has no insurance can get free medical care at a Federal Community Clinic

Use this to find a clinic near you

Free Clinics | Free Medical Clinics | Free Health Clinics

Free Clinic

www.freeclinics.com

2.Many private ins cos cover preexisting conditions. I had 2 different ones during the 1980-90s. Both Kaiser and Healthnet cover PEC. This was before there was Obamacare.

Don't know of any health insurance companies that sold individual health insurance plans before ACA covered pre existing conditions. Now in different states employer group may have covered them and very few asked health questions unless the employer group was 100 +. I do know of a few that would issue an individual policy and then if you had a claim and they found out it was pre x would cancel your policy and if you had a claim they paid make you pay it back.

Pre-existing Conditions and Medical Underwriting in the Individual Insurance Market Prior to the ACA | KFF

This brief reviews medical underwriting practices by private insurers in the individual health insurance market prior to 2014, and estimates how many American adults could face difficulty obtaining private individual market insurance because of a pre-existing condition if the Affordable Care Act...

www.kff.org

Before private insurance market rules in the Affordable Care Act (ACA) took effect in 2014, health insurance sold in the individual market in most states was medically underwritten.1 That means insurers evaluated the health status, health history, and other risk factors of applicants to determine whether and under what terms to issue coverage. To what extent people with pre-existing health conditions are protected is likely to be a central issue in the debate over repealing and replacing the ACA.

This brief reviews medical underwriting practices by private insurers in the individual health insurance market prior to 2014, and estimates how many American adults could face difficulty obtaining private individual market insurance if the ACA were repealed or amended and such practices resumed. We examine data from two large government surveys: The National Health Interview Survey (NHIS) and the Behavioral Risk Factor Surveillance System (BRFSS), both of which can be used to estimate rates of various health conditions (NHIS at the national level and BRFSS at the state level). We consulted field underwriting manuals used in the individual market prior to passage of the ACA as a reference for commonly declinable conditions.

Estimates of the Share of Adults with Pre-Existing Conditions
We estimate that 27% of adult Americans under the age of 65 have health conditions that would likely leave them uninsurable if they applied for individual market coverage under pre-ACA underwriting practices that existed in nearly all states. While a large share of this group has coverage through an employer or public coverage where they do not face medical underwriting, these estimates quantify how many people could be ineligible for individual market insurance under pre-ACA practices if they were to ever lose this coverage. This is a conservative estimate as these surveys do not include sufficient detail on several conditions that would have been declinable before the ACA (such as HIV/AIDS, or hepatitis C). Additionally, millions more have other conditions that could be either declinable by some insurers based on their pre-ACA underwriting guidelines or grounds for higher premiums, exclusions, or limitations under pre-ACA underwriting practices. In a separate Kaiser Family Foundation poll, most people (53%) report that they or someone in their household has a pre-existing condition.

A larger share of nonelderly women (30%) than men (24%) have declinable preexisting conditions. We estimate that 22.8 million nonelderly men have a preexisting condition that would have left them uninsurable in the individual market pre-ACA, compared to 29.4 million women. Pregnancy explains part, but not all of the difference.

The rates of declinable pre-existing conditions vary from state to state. On the low end, in Colorado and Minnesota, at least 22% of non-elderly adults have conditions that would likely be declinable if they were to seek coverage in the individual market under pre-ACA underwriting practices. Rates are higher in other states – particularly in the South – such as Tennessee (32%), Arkansas (32%), Alabama (33%), Kentucky (33%), Mississippi (34%), and West Virginia (36%), where at least a third of the non-elderly population would have declinable conditions.

I already told you two insurance companies which covered PECs. Kaiser Permanente and Healthnet.
This was in the 1990s before Obamacare. My memory also tells me that Aetna and Blue Cross covered them. My father had Diabetes and his Blue Cross plan covered all his meds and testing supplies way back in the 1950s. What the insurers did was set up a waiting period for PECs. Once you entered the plan, you had to wait 30, 60 or 90 days before the PEC was covered. I have high blood pressure and irritable bowel syndrome and both were covered by Kaiser and Healthnet. So all Obama's claims about his plan were bullshit.

Group yes and Federal Blue Cross yes not individual plans.

 

[pknopp]

While one might argue some could get insurance with a pre-existing condition, affording it is another story.

One that really still exists for many.

What a lot of people repeat on these boards are what they have heard on news or from friends and it's amazing after all these years how many do not understand how the system works or rather how to play the game. It's all about modified adjusted gross income on how much your premium may be on an individual health plan and what percentage of the poverty level. People on here are bitching about $7000 deductible and it doesn't have to be in just many cases. Some do not understand deductible vs max out of pocket per year. I have seen many over the past several years say I have a $15000 deductible and that is impossible if they have an ACA compliant plan. The lowest deductible for 2021 same as years past is zero and the highest is $8550. Leaving out 3 states on the west coast when you see when you see (for example) Deductible $5000/10,000 that means one person has a $5000 deductible and if there are more than 2 people in the family once for the first two hit $10000 then the other's do not have to meet their deductible. In same example if max out of pocket says $8550/17,100 means when one person reaches his max he pays no more co pays, co insurance when 2 hit it then the whole family, whether the other's met anything, have no co pays, co insurance. Just an example many have lower deductibles and max out of pocket and many have more.

I do have to admit if one is going to healthcare.gov and applying themselves some questions are misleading and you just don't know what to answer. For instance it use to say what is your household income I noticed yesterday it said net well HHS and IRS reconcile this on your taxes for that year as modified adjusted gross. I have more that fall into 100-250% of federal poverty level and therefore have decent premium's and then I have a handful over 400% of FPL and pay through the nose. FPL in non medicaid expansion states is 100% and expanded 138% and no one other than a pregnant woman or poor people on disability gets medicaid so anyone under 100% gets nothing.

The cost side was not addressed under Obamacare. That was a huge failure.

 

[WTF19]

of course he lied...he hates whites/America/cops.....linked many times before and now he adds even more proof

The republicans couldn't stand a black man in the white house.

normal AMERICANS dont take kindly to racists, like BARRAG o..biggest in this country

 

[debbiedowner]

While one might argue some could get insurance with a pre-existing condition, affording it is another story.

One that really still exists for many.

What a lot of people repeat on these boards are what they have heard on news or from friends and it's amazing after all these years how many do not understand how the system works or rather how to play the game. It's all about modified adjusted gross income on how much your premium may be on an individual health plan and what percentage of the poverty level. People on here are bitching about $7000 deductible and it doesn't have to be in just many cases. Some do not understand deductible vs max out of pocket per year. I have seen many over the past several years say I have a $15000 deductible and that is impossible if they have an ACA compliant plan. The lowest deductible for 2021 same as years past is zero and the highest is $8550. Leaving out 3 states on the west coast when you see when you see (for example) Deductible $5000/10,000 that means one person has a $5000 deductible and if there are more than 2 people in the family once for the first two hit $10000 then the other's do not have to meet their deductible. In same example if max out of pocket says $8550/17,100 means when one person reaches his max he pays no more co pays, co insurance when 2 hit it then the whole family, whether the other's met anything, have no co pays, co insurance. Just an example many have lower deductibles and max out of pocket and many have more.

I do have to admit if one is going to healthcare.gov and applying themselves some questions are misleading and you just don't know what to answer. For instance it use to say what is your household income I noticed yesterday it said net well HHS and IRS reconcile this on your taxes for that year as modified adjusted gross. I have more that fall into 100-250% of federal poverty level and therefore have decent premium's and then I have a handful over 400% of FPL and pay through the nose. FPL in non medicaid expansion states is 100% and expanded 138% and no one other than a pregnant woman or poor people on disability gets medicaid so anyone under 100% gets nothing.

The cost side was not addressed under Obamacare. That was a huge failure.

How would they know the cost?

 

[Papageorgio]

His plan was not necessary at all.

1.Anyone who has no insurance can get free medical care at a Federal Community Clinic

I don't even have any idea where one of these places exist. Even at that all you can get is basic treatment.

He had a link showing where every clinic is in every state, thousands of clinics named.

 

[pknopp]

While one might argue some could get insurance with a pre-existing condition, affording it is another story.

One that really still exists for many.

What a lot of people repeat on these boards are what they have heard on news or from friends and it's amazing after all these years how many do not understand how the system works or rather how to play the game. It's all about modified adjusted gross income on how much your premium may be on an individual health plan and what percentage of the poverty level. People on here are bitching about $7000 deductible and it doesn't have to be in just many cases. Some do not understand deductible vs max out of pocket per year. I have seen many over the past several years say I have a $15000 deductible and that is impossible if they have an ACA compliant plan. The lowest deductible for 2021 same as years past is zero and the highest is $8550. Leaving out 3 states on the west coast when you see when you see (for example) Deductible $5000/10,000 that means one person has a $5000 deductible and if there are more than 2 people in the family once for the first two hit $10000 then the other's do not have to meet their deductible. In same example if max out of pocket says $8550/17,100 means when one person reaches his max he pays no more co pays, co insurance when 2 hit it then the whole family, whether the other's met anything, have no co pays, co insurance. Just an example many have lower deductibles and max out of pocket and many have more.

I do have to admit if one is going to healthcare.gov and applying themselves some questions are misleading and you just don't know what to answer. For instance it use to say what is your household income I noticed yesterday it said net well HHS and IRS reconcile this on your taxes for that year as modified adjusted gross. I have more that fall into 100-250% of federal poverty level and therefore have decent premium's and then I have a handful over 400% of FPL and pay through the nose. FPL in non medicaid expansion states is 100% and expanded 138% and no one other than a pregnant woman or poor people on disability gets medicaid so anyone under 100% gets nothing.

The cost side was not addressed under Obamacare. That was a huge failure.

How would they know the cost?

The cost side was not addressed. How do you see a $2500 reduction when costs are not addressed?

 

[pknopp]

His plan was not necessary at all.

1.Anyone who has no insurance can get free medical care at a Federal Community Clinic

I don't even have any idea where one of these places exist. Even at that all you can get is basic treatment.

He had a link showing where every clinic is in every state, thousands of clinics named.

There was no link.

 

[debbiedowner]

While one might argue some could get insurance with a pre-existing condition, affording it is another story.

One that really still exists for many.

What a lot of people repeat on these boards are what they have heard on news or from friends and it's amazing after all these years how many do not understand how the system works or rather how to play the game. It's all about modified adjusted gross income on how much your premium may be on an individual health plan and what percentage of the poverty level. People on here are bitching about $7000 deductible and it doesn't have to be in just many cases. Some do not understand deductible vs max out of pocket per year. I have seen many over the past several years say I have a $15000 deductible and that is impossible if they have an ACA compliant plan. The lowest deductible for 2021 same as years past is zero and the highest is $8550. Leaving out 3 states on the west coast when you see when you see (for example) Deductible $5000/10,000 that means one person has a $5000 deductible and if there are more than 2 people in the family once for the first two hit $10000 then the other's do not have to meet their deductible. In same example if max out of pocket says $8550/17,100 means when one person reaches his max he pays no more co pays, co insurance when 2 hit it then the whole family, whether the other's met anything, have no co pays, co insurance. Just an example many have lower deductibles and max out of pocket and many have more.

I do have to admit if one is going to healthcare.gov and applying themselves some questions are misleading and you just don't know what to answer. For instance it use to say what is your household income I noticed yesterday it said net well HHS and IRS reconcile this on your taxes for that year as modified adjusted gross. I have more that fall into 100-250% of federal poverty level and therefore have decent premium's and then I have a handful over 400% of FPL and pay through the nose. FPL in non medicaid expansion states is 100% and expanded 138% and no one other than a pregnant woman or poor people on disability gets medicaid so anyone under 100% gets nothing.

The cost side was not addressed under Obamacare. That was a huge failure.

How would they know the cost?

The cost side was not addressed. How do you see a $2500 reduction when costs are not addressed?

Have no idea where he came up with this but for many on the marketplace there is more than a $2500 a year reduction in premium's than before obamacare.