How about amending the name at least. Something like, Affordable Care For Some And For Others Less Affordable Care Act.
In case you were wondering, yes you will almost certainly pay more under the ACA. It sounds like you are young and high income without employer sponsored insurance. That's not a common combination, but you will pay more.
You could have saved some by typing out Fuck you people that work in health care if my "plan" doesn't pay you oh well. Fuck you, too. No one EVER told people with substandard "health care" policies they could keep them once ACA kicked in. Pay for the health insurance policy if your employer offers it. If they don't get a new job and if that is not feasible now you actually have OPTIONS. GYHOOYSA
Old:
http://www.bcbsm.com/index/2013-pla...le-health-insurance/young-adult-blue-max.html $101 a month
Max out of pocket $3500, $1K deductible, 2 free doctor visits a year with $30 copay that don't go into the deductible.
Obamacare:
http://www.bcbsm.com/index/plans/michigan-health-insurance/bronze/select-hmo.html $160 a month
Max out of pocket $6300, $5.9K deductible, $30 copay per primary care visit and $50 copay per specialist office visit *after* deductible.
But you are right, I get more with obamacare: maternity and gyno coverage and pediatric/prenatal/postnatal services for the kids i don't have, yaay!
In case you were wondering, yes you will almost certainly pay more under the ACA. It sounds like you are young and high income without employer sponsored insurance. That's not a common combination, but you will pay more.
The current system was better than obamacare. What needs to happen is the the arrival of a free market system.
How would the poor and the seriously ill be able to afford health care? Would people have to hire attorneys to read over 1000 page insurance contracts packed full of clauses that allow rescission when someone gets sick?
These were quotes for me as a full time college student. You can run them your self:
http://www.ehealthinsurance.com/
The free market would reduce costs and make it more affordable.
The best way for a free market insurer to reduce costs is to limit the amount they have to pay out, which means refusing insurance for people who are likely to require premiums paid out, ie people with pre-existing conditions. You don't insure those people, they're required to use emergency rooms and other such avenues to get service, and that drives the price of healthcare up for everybody. You might recognize this as basically the system we had in place before (which didn't work). So what do you do? Require insurers to insure everyone regardless of pre-existing conditions? That's no longer a free market.
Free markets are based around financial incentives. There's no financial incentive for an insurance company to insure someone who is going to require significant, costly medical treatment. But there is a vested interest in a society making sure its citizens don't just die because they aren't rich. How do you propose to fix that gap? The free market had a chance and it failed.
No it didn't. You're a liar. The government doesn't have the right to force insurance companies to cover people.
What does that mean?"because their existing policies dont meet the standards mandated by the new health care law."
Besides I had my insurance "cancelled" multiple times by Blue Cross. Always something that needed to change and my premiums increased.
The free market had a chance and it failed.
The current system is a pre-existing disaster. Our health care system was already in shambles long before the general public had heard of Obama.
There's no real need. If you are a young person with income high enough to not qualify for subsidies but don't get health insurance through your job you'll likely pay more.
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Free markets are based around financial incentives. There's no financial incentive for an insurance company to insure someone who is going to require significant, costly medical treatment. But there is a vested interest in a society making sure its citizens don't just die because they aren't rich. How do you propose to fix that gap? The free market had a chance and it failed.
So, if "The free market had a chance and it failed" how does Obamacare fix this?
This seems like something a lot of the "but subsidies!" crowd seem to be glossing over. If you make more money than a part time Walmart cashier the trinket about of subsidies aren't going to be anywhere near enough to offset the skyrocketing premiums.This is with the numbers I had as a full time grad student with part time job/working over the summer with some classes. With $25K annual income, I qualify for $426 in tax subsidies, or about $35.50 a month. The cheapest plan under obama care with $6K deductible is $50 more a month. To maintain the same amount of coverage under obama care, I would be paying 85% more a month after subsidies.
I certainly was not high income individual, yet obamacare increases my effective premium 85%.
This is with the numbers I had as a full time grad student with part time job/working over the summer with some classes. With $25K annual income, I qualify for $426 in tax subsidies, or about $35.50 a month. The cheapest plan under obama care with $6K deductible is $50 more a month. To maintain the same amount of coverage under obama care, I would be paying 85% more a month after subsidies.
I certainly was not high income individual, yet obamacare increases my effective premium 85%.
There's no real need. If you are a young person with income high enough to not qualify for subsidies but don't get health insurance through your job you'll likely pay more.
This is the fallacy I see with Obamacare and young people. I'm 44, so not young anymore, but not so far away that I don't remember the very predictable thought process.
Single person making ~$20k / yr, 2x the poverty line. That's maybe $1400 per month after taxes. Lets see how far that goes.
Rent : ~$500 / month; this is livable but not very
Utils : $100 / month if frugal (electric, gas)
Car Insurance : $80 /month - you're young and it's high, this is on a low risk car liability only most likely
Food : $320 / month; you don't get to eat out much
Gas : $160/ month; this is only 12 gallons per week or ~1100 miles per month in an avg car
So far, up to $1160.
Right now you have no cable, no cell phone, no internet, and no money set aside for anything. You have $240 left, per month.
And the Obama thinks you're going to spend $200/mo on healthcare?
Right, okay, whatever.
Edit: For any who don't realize it - this doesn't include things like oil changes, clothing, haircuts, etc either.
This is the fallacy I see with Obamacare and young people. I'm 44, so not young anymore, but not so far away that I don't remember the very predictable thought process.
Single person making ~$20k / yr, 2x the poverty line. That's maybe $1400 per month after taxes. Lets see how far that goes.
Rent : ~$500 / month; this is livable but not very
Utils : $100 / month if frugal (electric, gas)
Car Insurance : $80 /month - you're young and it's high, this is on a low risk car liability only most likely
Food : $320 / month; you don't get to eat out much
Gas : $160/ month; this is only 12 gallons per week or ~1100 miles per month in an avg car
So far, up to $1160.
Right now you have no cable, no cell phone, no internet, and no money set aside for anything. You have $240 left, per month.
And the Obama thinks you're going to spend $200/mo on healthcare?
Right, okay, whatever.
Edit: For any who don't realize it - this doesn't include things like oil changes, clothing, haircuts, etc either.
Nonetheless the really poor can NEVER pay for what they use in healthcare, so a free market system would never afford them much access. If you work a McDonald's or worse no job at all you are simply not worth enough to give you back a surgeon and MRI and hospital bed, etc. so it must be given by charity.The free market would reduce costs and make it more affordable.