Cop Posted May 4, 2017 Report Share Posted May 4, 2017 Ah ok. Just didnt know if you realized that on employer based plans the 20 year olds have been subsidizing the 50 and 60 year olds from the beginning of time. How? Quote Link to comment Share on other sites More sharing options...
rito Posted May 4, 2017 Report Share Posted May 4, 2017 Wow. I'm going to have to read more up on this. Sounds dismal My favorite part of the plan is where it allows states to opt out of requiring insurance to provide the basic benefits declared in Obamacare ---- ONLY THEY EXEMPTED CONGRESSMEN, so congress gets to keep those protections. Quote Link to comment Share on other sites More sharing options...
rito Posted May 4, 2017 Report Share Posted May 4, 2017 How? lol really you don't get how it works? Quote Link to comment Share on other sites More sharing options...
timetopay Posted May 4, 2017 Report Share Posted May 4, 2017 They blend the rate cop. Let's say your an employer of 100 employees. When we quote it we get a list of all the employees. Ages,dependent ages,etc. underwriter then averages it. So if you have a populations of mostly older people the rate is much higher then if you had a employer of all 20 year olds. So I can have two company's right next door to each other. Both take the same exact health plan. One could pay 300 a month for their spouse and another 700. Quote Link to comment Share on other sites More sharing options...
Cop Posted May 4, 2017 Report Share Posted May 4, 2017 They blend the rate cop. Let's say your an employer of 100 employees. When we quote it we get a list of all the employees. Ages,dependent ages,etc. underwriter then averages it. So if you have a populations of mostly older people the rate is much higher then if you had a employer of all 20 year olds. So I can have two company's right next door to each other. Both take the same exact health plan. One could pay 300 a month for their spouse and another 700. Oh I thought you were talking about my plan. I was gonna say..... how are any of us subsidizing anyone when we all pay $0 Quote Link to comment Share on other sites More sharing options...
Always Call Heads Posted May 4, 2017 Report Share Posted May 4, 2017 Cop is a moron. Quote Link to comment Share on other sites More sharing options...
Cop Posted May 4, 2017 Report Share Posted May 4, 2017 Cop is a moron. You seem mad. It's not my fault you are poor. Quote Link to comment Share on other sites More sharing options...
rito Posted May 4, 2017 Report Share Posted May 4, 2017 Oh I thought you were talking about my plan. He is, you are being subsidized by the young employees of your company, and by the gov't (tax exemption provided to your employer). Welfare baby. Quote Link to comment Share on other sites More sharing options...
Always Call Heads Posted May 4, 2017 Report Share Posted May 4, 2017 You seem mad. It's not my fault you are poor.I can buy everything you own. You are a fraud. Quote Link to comment Share on other sites More sharing options...
Cop Posted May 4, 2017 Report Share Posted May 4, 2017 I can buy everything you own. You are a fraud. k Quote Link to comment Share on other sites More sharing options...
Cop Posted May 4, 2017 Report Share Posted May 4, 2017 He is, you are being subsidized by the young employees of your company, and by the gov't (tax exemption provided to your employer). Welfare baby. How are the young employees subsidizing the older ones when none of us pay anything? Quote Link to comment Share on other sites More sharing options...
Always Call Heads Posted May 4, 2017 Report Share Posted May 4, 2017 How are the young employees subsidizing the older ones when none of us pay anything?LOL Quote Link to comment Share on other sites More sharing options...
timetopay Posted May 4, 2017 Report Share Posted May 4, 2017 Cop I dont know how old you are but if the union had nothing but 18 to 25 year olds maybe they could offer extra benefits,better plans, higher wages if the underlying health rates were less. Quote Link to comment Share on other sites More sharing options...
Always Call Heads Posted May 4, 2017 Report Share Posted May 4, 2017 There is no possible way for Cop to understand anything. He is completely taken care of by the govt and thinks he is a conservative. Quote Link to comment Share on other sites More sharing options...
Tomorrow's Newspaper Posted May 4, 2017 Report Share Posted May 4, 2017 Who here does not have a pre-existing condition? JFC the US healthcare (insurance) system is such a fucking scam. Says the happy (to be) Canadian!! if you had insurance, there is no way to have a pre existing condition, because the insurance would have been effective first. Too many want to wait until after the problem to purchase it. It would be like offering car insurance to people after they have the wreck. Thats what ObamaCare did, and why the insurance companies lost their ass on it. Quote Link to comment Share on other sites More sharing options...
Cop Posted May 5, 2017 Report Share Posted May 5, 2017 Cop I dont know how old you are but if the union had nothing but 18 to 25 year olds maybe they could offer extra benefits,better plans, higher wages if the underlying health rates were less.Sure but he said the young employees at MY employer were subsidizing the old. What am I missing here? Quote Link to comment Share on other sites More sharing options...
rito Posted May 5, 2017 Report Share Posted May 5, 2017 Sure but he said the young employees at MY employer were subsidizing the old. What am I missing here? Everything apparently. Let's say all the employees at your company are 60 and older. So the insurance company charges your employer 5x as much for the health plan. So they pay you less. Do you see now? Quote Link to comment Share on other sites More sharing options...
IAG Posted May 5, 2017 Author Report Share Posted May 5, 2017 if you had insurance, there is no way to have a pre existing condition, because the insurance would have been effective first. Too many want to wait until after the problem to purchase it. It would be like offering car insurance to people after they have the wreck. Thats what ObamaCare did, and why the insurance companies lost their ass on it. Not always true. See my post 19. I never ever had any sort of lapse of insurance in my life, and I was both denied Coverage, and then given a quote of like $1500 per month because of pre-existing conditions prior to the ACA. When the ACA waa passed, I was able to be covered at $500 per month cost to me. I was moving from a group plan to an individual plan. Quote Link to comment Share on other sites More sharing options...
rito Posted May 5, 2017 Report Share Posted May 5, 2017 Not always true. See my post 19. Not always true. See my post 19. Right my pre-existing conditions are conditions I had when I had insurance. I've always had insurance. Quote Link to comment Share on other sites More sharing options...
sleepy Posted May 5, 2017 Report Share Posted May 5, 2017 Cop is a moron.My cats shit is smarter than cop Quote Link to comment Share on other sites More sharing options...
Always Call Heads Posted May 5, 2017 Report Share Posted May 5, 2017 Sure but he said the young employees at MY employer were subsidizing the old. What am I missing here?In your case, they actually don't subsidize you. The govt subsidizes you completely. The union gives you health insurance and the govt provides the money and taxes pay for everything for all of you. So you actually aren't being subsidized by younger workers. You are being subsidized by the American taxpayer which is everybody, including younger workers. Quote Link to comment Share on other sites More sharing options...
Cop Posted May 5, 2017 Report Share Posted May 5, 2017 Everything apparently. Let's say all the employees at your company are 60 and older. So the insurance company charges your employer 5x as much for the health plan. So they pay you less. Do you see now? Right I am aware how insurance works as a whole. Why I can't figure out is how employee A (22 yo) at my employer is subsidizing my insurance when we all pay $0. Quote Link to comment Share on other sites More sharing options...
Always Call Heads Posted May 5, 2017 Report Share Posted May 5, 2017 Right I am aware how insurance works as a whole. Why I can't figure out is how employee A (22 yo) at my employer is subsidizing my insurance when we all pay $0.You have a point. Quote Link to comment Share on other sites More sharing options...
rito Posted May 5, 2017 Report Share Posted May 5, 2017 Right I am aware how insurance works as a whole. Why I can't figure out is how employee A (22 yo) at my employer is subsidizing my insurance when we all pay $0. You are right. Your insurance is free. No one pays for it. Quote Link to comment Share on other sites More sharing options...
Cop Posted May 5, 2017 Report Share Posted May 5, 2017 In your case, they actually don't subsidize you. The govt subsidizes you completely. The union gives you health insurance and the govt provides the money and taxes pay for everything for all of you. So you actually aren't being subsidized by younger workers. You are being subsidized by the American taxpayer which is everybody, including younger workers. Some of this is true Quote Link to comment Share on other sites More sharing options...
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