mikeman Posted May 6, 2017 Report Share Posted May 6, 2017 I am against both of them but it's here to stay regardless.I thought this bill ended the fines(obviously it's not law yet)? Quote Link to comment Share on other sites More sharing options...
Cop Posted May 6, 2017 Report Share Posted May 6, 2017 Are you planning on working till 65? No. 52 Quote Link to comment Share on other sites More sharing options...
Cop Posted May 6, 2017 Report Share Posted May 6, 2017 I thought this bill ended the fines(obviously it's not law yet)? It does. Quote Link to comment Share on other sites More sharing options...
rito Posted May 6, 2017 Report Share Posted May 6, 2017 No. 52 Can you get your employer coverage for 13 years after that or will you have to buy your own? Quote Link to comment Share on other sites More sharing options...
Cop Posted May 6, 2017 Report Share Posted May 6, 2017 Cool. Did you know it also exempts Congressmen plans from having essential benefits no longer covered. Don't know how you can support a bill that gives Congressmen something it takes away from everyone else. I don't. That is fucked up. Can't remember but I think Obama exempted them from something also. Quote Link to comment Share on other sites More sharing options...
Cop Posted May 6, 2017 Report Share Posted May 6, 2017 Can you get your employer coverage for 13 years after that or will you have to buy your own? I can receive the same plan but I will have to pay for it. Quote Link to comment Share on other sites More sharing options...
rito Posted May 6, 2017 Report Share Posted May 6, 2017 I can receive the same plan but I will have to pay for it. lucky Quote Link to comment Share on other sites More sharing options...
mikeman Posted May 6, 2017 Report Share Posted May 6, 2017 Frankly, the solution is to allow ins co's to deny coverage to people with pre-existing conditions, all the healthy people would get affordable coverage and the rest could be put in some kind of high risk pool(not free) but with govt subsidies. Quote Link to comment Share on other sites More sharing options...
Cop Posted May 6, 2017 Report Share Posted May 6, 2017 lucky Not really. Shits probably a fortune. :) Quote Link to comment Share on other sites More sharing options...
rito Posted May 6, 2017 Report Share Posted May 6, 2017 Frankly, the solution is to allow ins co's to deny coverage to people with pre-existing conditions, all the healthy people would get affordable coverage and the rest could be put in some kind of high risk pool(not free) but with govt subsidies. So why would a healthy person purchase coverage then. Quote Link to comment Share on other sites More sharing options...
rito Posted May 6, 2017 Report Share Posted May 6, 2017 Not really. Shits probably a fortune. :) How much? I'd pay a lot for a plan that covered everything. They don't exist in the individual market. Quote Link to comment Share on other sites More sharing options...
Cop Posted May 6, 2017 Report Share Posted May 6, 2017 How much? I'd pay a lot for a plan that covered everything. They don't exist in the individual market. Not sure. I think I remember my employer sending us a letter about what our health benefits cost them. Think it was like $17,000 ? Could be wrong. Quote Link to comment Share on other sites More sharing options...
mikeman Posted May 6, 2017 Report Share Posted May 6, 2017 So why would a healthy person purchase coverage then.For the same reason people buy everything else, a reasonable price for decent coverage, most people would be happy to pay $150-200 a month just in case(that's a little more than a phone or cable), it's when it hits $500 plus people start saying WTF am I paying for. Quote Link to comment Share on other sites More sharing options...
mikeman Posted May 6, 2017 Report Share Posted May 6, 2017 Not sure. I think I remember my employer sending us a letter about what our health benefits cost them. Think it was like $17,000 ? Could be wrong.That's for family coverage(probably), where i work single is about $500, family $1200, co pays something like 80%, I'll have to pay the whole thing when i cobra. Quote Link to comment Share on other sites More sharing options...
Always Call Heads Posted May 6, 2017 Report Share Posted May 6, 2017 For the same reason people buy everything else, a reasonable price for decent coverage, most people would be happy to pay $150-200 a month just in case(that's a little more than a phone or cable), it's when it hits $500 plus people start saying WTF am I paying for.No, they wouldn't. Quote Link to comment Share on other sites More sharing options...
IAG Posted May 6, 2017 Author Report Share Posted May 6, 2017 Looks like states can apply to be exempt from requirement to offer insurance to those with PEC without underwriting if they set up some high risk pools or something. https://trumpcare.com/trumpcare-bill-passed-house-impacts-pre-existing-conditions/ Good info, in plain English ^^ Quote Link to comment Share on other sites More sharing options...
mikeman Posted May 6, 2017 Report Share Posted May 6, 2017 No, they wouldn't.It would return to like it was before, people who needed it, bought it. the price was reasonable, you could find a plan that suited your budget/health needs. Quote Link to comment Share on other sites More sharing options...
rito Posted May 6, 2017 Report Share Posted May 6, 2017 It would return to like it was before, people who needed it, bought it. the price was reasonable, you could find a plan that suited your budget/health needs. lolerz. my plan now is stil 80% of what it was the year before aca enacted. Even after going up 25% Quote Link to comment Share on other sites More sharing options...
Always Call Heads Posted May 6, 2017 Report Share Posted May 6, 2017 It would return to like it was before, people who needed it, bought it. the price was reasonable, you could find a plan that suited your budget/health needs.It wasn't reasonable. It was shit policy that covered not even a doctors visit and was increasing in cost 18% per year. Quote Link to comment Share on other sites More sharing options...
IAG Posted May 6, 2017 Author Report Share Posted May 6, 2017 Hard for me to make comparisons as I was on a group plan my entire life. Then after companymerger, I went on Cobra which ended right before ACA took effect...as Mike said, you get the benefit of coverage, but you have to pay full premium. I receivedthe benefit of ACA PEC provisions while on a private insurance with no subsidy the first 3-4 years. was still paying 500 a month. This year I took the subsidy, and plan to get everything done that needs to get done before I am likely go back to paying 500 a month or more. Unlike Rito, I never had an individual plan until right when ACA came into effect. I did apply (when denied and got outrageous quotes) but was saved by the bell. Timing could not have been better actually. I just remember being stunned being told that I could not get insurance because I had had back surgery, and was on antidepressants when I had been so careful to never have any sort of lapse ever....even when it wasn't always financially desirable. Quote Link to comment Share on other sites More sharing options...
IAG Posted May 6, 2017 Author Report Share Posted May 6, 2017 It wasn't reasonable. It was shit policy that covered not even a doctors visit and was increasing in cost 18% per year.Were you on an individual plan always ACH? Quote Link to comment Share on other sites More sharing options...
Cop Posted May 6, 2017 Report Share Posted May 6, 2017 Looks like states can apply to be exempt from requirement to offer insurance to those with PEC without underwriting if they set up some high risk pools or something. https://trumpcare.com/trumpcare-bill-passed-house-impacts-pre-existing-conditions/ Good info, in plain English ^^ Very good read. Explains it very well. Quote Link to comment Share on other sites More sharing options...
Cop Posted May 6, 2017 Report Share Posted May 6, 2017 The Affordable Care Act sought to correct this problem, but it created a new problem in doing so. Under the ACA, people with pre-existing conditions can’t be denied coverage or charged more for coverage than healthy people. Insurers have to treat every applicant the same in terms of medical history, with the exception of smoking, a habit that insurers can still charge higher premiums for. This solution allowed millions of people to sign up for affordable health insurance for the first time, but there was a catch. Suppose that after a flood destroyed your home, you were legally allowed to buy flood insurance the next day. You call your home insurance company, sign up for coverage, and then immediately file your first claim for damages. The same thing started happening once people with pre-existing conditions were able to purchase health insurance without medical underwriting. Insurance companies started losing money because they had to cover a sicker beneficiary base than they had anticipated. The government assumed that more healthy people would sign up to balance out the influx of sicker participants, but that didn’t happen, primarily because the incentive was gone to buy health insurance in the first place. After all, if you can buy coverage after you have a problem, why should you waste money each month on insurance that you won’t use? The individual mandate, which forced everyone to buy coverage under threat of a tax penalty, wasn’t strong enough to motivate young and healthy individuals to buy health plans. The system started collapsing, evidenced by astronomical premium increases for 2017 in much of the country. Quote Link to comment Share on other sites More sharing options...
FairWarning Posted May 6, 2017 Report Share Posted May 6, 2017 Obviously the trick is to get "healthy" people to sign up. The mandatory payroll deduction would take care of that, and save them from themselves. If one has insurance thru their employer (cop), then they don't get taxed. Quote Link to comment Share on other sites More sharing options...
IAG Posted May 6, 2017 Author Report Share Posted May 6, 2017 Why don't they just prohibit a Chapter 7 for medical debt if you don't have insurance and it can be showed you had the means. I would think that might be somewhat of an incentive. Too many people, as several have mentioned, use that as their free insurance. Quote Link to comment Share on other sites More sharing options...
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