Posted: 3/7/2012 4:32:00 AM EDT
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The thread about Fluke got me to think about what will happen to non-dependant students when Obamacare kicks in.
They will still HAVE to purchase healthcare even though they are not working full time, etc., and cannot get their parents to add them on their insurance because they might not qualify as dependants for tax puprposes. Read this article, it is an eye opener. http://www.saycampuslife.com/2012/02/27/how-obamacare-affects-students/ I can see all types of activism coming down the pike to give students special treatment under Obamacare. Could this also have been one of the indirect missions of Fluke and idiot Pelosi? What a friggin' can of worms the libtards have opened with Obamacare. I hope and pray the SCOTUS rules this statute unconstitutional. It might very well save us financially. |
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Try pricing individual healthcare premiums for the 22-26 year old demographic, typically the healthiest years of your life. Assuming no pre-existing conditions, your premiums would be less than most smartphone data plans, and even less if you choose a high deductible HSA. |
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Try pricing individual healthcare premiums for the 22-26 year old demographic, typically the healthiest years of your life. Assuming no pre-existing conditions, your premiums would be less than most smartphone data plans, and even less if you choose a high deductible HSA. Even so, let's see if students are happy with that. Obamacare simply has to be ruled unconstitutional IMHO. Here's an excerpt from the linked article in my OP: "The problem is that colleges might not be able to offer student health plans at low rates under Obamacare because reforms raise the costs to health insurance companies. Insurers have to insure more people, including those with expensive pre-existing insurance, and this will drive costs up. As a result, many colleges and universities may raise the price of their student health plans or stop offering them. This may leave children of uninsured parents in a bind; they’ll have to get private insurance, which is much more expensive. In addition, it’s not clear whether student health plans meet the new requirements for minimum coverage under Obamacare because they are considered temporary plans rather than permanent health insurance. As a result, students may have to purchase private insurance in addition to purchasing coverage through their schools." Thanks November, 2008 voters. 
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Quoted: Try pricing individual healthcare premiums for the 22-26 year old demographic, typically the healthiest years of your life. Assuming no pre-existing conditions, your premiums would be less than most smartphone data plans, and even less if you choose a high deductible HSA. You sure about that? I have covered employees with insurance in that age bracket and it sure wasn't cheaper than a cel phone plan. Anyone interesting point about emancipated college students. I would guess most have no insurance unless the college supplies cheap student insurance, I think some might?
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Try pricing individual healthcare premiums for the 22-26 year old demographic, typically the healthiest years of your life. Assuming no pre-existing conditions, your premiums would be less than most smartphone data plans, and even less if you choose a high deductible HSA. You sure about that? I have covered employees with insurance in that age bracket and it sure wasn't cheaper than a cel phone plan. I didn't pay much attention to those types of coverages when working and reviewing some insurance company books and records. But I don't think it will turn out that way, or not as good as he opines. Obamacare is such a colossal statute that NO ONE knows all that is in it. Hopefully we will never have to know if the SCOTUS saves us from this HUGE, bankrupting entitlement plan. |
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Quoted: Quoted: Quoted: Try pricing individual healthcare premiums for the 22-26 year old demographic, typically the healthiest years of your life. Assuming no pre-existing conditions, your premiums would be less than most smartphone data plans, and even less if you choose a high deductible HSA. You sure about that? I have covered employees with insurance in that age bracket and it sure wasn't cheaper than a cel phone plan. I didn't pay much attention to those types of coverages when working and reviewing some insurance company books and records. But I don't think it will turn out that way, or not as good as he opines. I have not had an employee that young in a long time but I want to say it was around $ 275 a month and that was years ago and the premiums have skyrocketed since then. When i was in college $ 275 would have been kind of a lot of money. |
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................ I have not had an employee that young in a long time but I want to say it was around $ 275 a month and that was years ago and the premiums have skyrocketed since then. When i was in college $ 275 would have been kind of a lot of money. Well, there you go. Plus, as you state, Obamacare WILL SUBSTANTIALLY increase healthcare premiums across the board. Of that I AM POSITIVE. It's accounting 101. |
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Quoted: Quoted: Try pricing individual healthcare premiums for the 22-26 year old demographic, typically the healthiest years of your life. Assuming no pre-existing conditions, your premiums would be less than most smartphone data plans, and even less if you choose a high deductible HSA. You sure about that? I have covered employees with insurance in that age bracket and it sure wasn't cheaper than a cel phone plan. Just for shit and giggles to make an argument somewhere else, I Googled, found some online websites, and looked at premiums for a hypothetical college graduate in my area-there were quite a few plans with nationally known insurers. http://www.ehealthinsurance.com/ehi/ifp/individual-health-insurance!goToScreen?referer=https%3A%2F%2Fwww.ehealthinsurance.com%2Fehi%2Fifp%2Findividual-health-insurance&screenName=best-sellers |
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Try pricing individual healthcare premiums for the 22-26 year old demographic, typically the healthiest years of your life. Assuming no pre-existing conditions, your premiums would be less than most smartphone data plans, and even less if you choose a high deductible HSA. You sure about that? I have covered employees with insurance in that age bracket and it sure wasn't cheaper than a cel phone plan. Just for shit and giggles to make an argument somewhere else, I Googled, found some online websites, and looked at premiums for a hypothetical college graduate in my area-there were quite a few plans with nationally known insurers. http://www.ehealthinsurance.com/ehi/ifp/individual-health-insurance!goToScreen?referer=https%3A%2F%2Fwww.ehealthinsurance.com%2Fehi%2Fifp%2Findividual-health-insurance&screenName=best-sellers Thanks for the link but that will change under Obamacare. That is for optional coverage that the university dictates coverages, etc. That WILL CHANGE under Obamacare. I went with your link and got a quote for a male born in October, 1989 who doesn't smoke. http://www.ehealthinsurance.com/ehi/ifp/individual-health-insurance!goToScreen?referer=https%3A%2F%2Fwww.ehealthinsurance.com%2Fehi%2Fifp%2Findividual-health-insurance&screenName=best-sellers It looks like your $36/month rate carries a $5,000 deductible. That wouldn't cover the cost of BCP's since they are only $1,000/year. 
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Quoted: Quoted: Quoted: Quoted: Try pricing individual healthcare premiums for the 22-26 year old demographic, typically the healthiest years of your life. Assuming no pre-existing conditions, your premiums would be less than most smartphone data plans, and even less if you choose a high deductible HSA. You sure about that? I have covered employees with insurance in that age bracket and it sure wasn't cheaper than a cel phone plan. Just for !@#$%^&* and giggles to make an argument somewhere else, I Googled, found some online websites, and looked at premiums for a hypothetical college graduate in my area-there were quite a few plans with nationally known insurers. http://www.ehealthinsurance.com/ehi/ifp/individual-health-insurance!goToScreen?referer=https%3A%2F%2Fwww.ehealthinsurance.com%2Fehi%2Fifp%2Findividual-health-insurance&screenName=best-sellers Thanks for the link but that will change under Obamacare. That is for optional coverage that the university dictates coverages, etc. That WILL CHANGE under Obamacare. I went with your link and got a quote for a male born in October, 1989 who doesn't smoke. http://www.ehealthinsurance.com/ehi/ifp/individual-health-insurance!goToScreen?referer=https%3A%2F%2Fwww.ehealthinsurance.com%2Fehi%2Fifp%2Findividual-health-insurance&screenName=best-sellers It looks like your $36/month rate carries a $5,000 deductible. That wouldn't cover the cost of BCP's since they are only $1,000/year. I could totally see health insurers loving Obamacare for students as they could have taxpayers covering premiums far beyond what they could otherwise charge on the free market... |
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Back in the 90s when I was in College, they had a pretty awesome insurance you could buy through the school. If I remember right it was $250 per semester and they had and on campus clinic that could handle quite a bit.
Not sure if they still do or that the rates are even close to that, but if they do then they would buy that instead of the obamacare. Not sure why the slut did not have this kind of coverage. |
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I thought one of the parts of this stupid law already in effect is that all "children" have to be covered by parents insurance until they are 25-26? I think you might be right as long as they are full time students. (Fuck with Obamacare it might even be part time students but.......) Not so if they are out of school and working IIRC. They wouldn't be qualifying dependants under the tax code. So, the young people working are on their own for the most part. Same for older students like Fluke. They will find Obamacare to be another entitlement package they have to pay for that will not be what they thought it would be when they retire IMHO. They are so fucked IMHO. 
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Try pricing individual healthcare premiums for the 22-26 year old demographic, typically the healthiest years of your life. Assuming no pre-existing conditions, your premiums would be less than most smartphone data plans, and even less if you choose a high deductible HSA. Uh. No. I fell into that bracket about a year ago. $200 a month for a high deductible plan. |
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Try pricing individual healthcare premiums for the 22-26 year old demographic, typically the healthiest years of your life. Assuming no pre-existing conditions, your premiums would be less than most smartphone data plans, and even less if you choose a high deductible HSA. Uh. No. His link shows it is that cheap but the plan carries a $5,000 deductible. I'm POSITIVE that won't qualify under Obamacare. But I could be wrong, although I DOUBT I am wrong. |
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Try pricing individual healthcare premiums for the 22-26 year old demographic, typically the healthiest years of your life. Assuming no pre-existing conditions, your premiums would be less than most smartphone data plans, and even less if you choose a high deductible HSA. Uh. No. His link shows it is cheap but the plan carries a $5,000 deductible. I'm POSITIVE that won't qualify under Obamacare. But I could be wrong, although I DOUBT I am wrong. I think mine was $2500. Don't remember. |
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Try pricing individual healthcare premiums for the 22-26 year old demographic, typically the healthiest years of your life. Assuming no pre-existing conditions, your premiums would be less than most smartphone data plans, and even less if you choose a high deductible HSA. Uh. No. His link shows it is cheap but the plan carries a $5,000 deductible. I'm POSITIVE that won't qualify under Obamacare. But I could be wrong, although I DOUBT I am wrong. I think mine was $2500. Don't remember. Do you remember the monthly premiums? And in what year? |
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Try pricing individual healthcare premiums for the 22-26 year old demographic, typically the healthiest years of your life. Assuming no pre-existing conditions, your premiums would be less than most smartphone data plans, and even less if you choose a high deductible HSA. Uh. No. His link shows it is cheap but the plan carries a $5,000 deductible. I'm POSITIVE that won't qualify under Obamacare. But I could be wrong, although I DOUBT I am wrong. I think mine was $2500. Don't remember. Do you remember the monthly premiums? And in what year? Under $200. 2010? I'll have to look it up to be exact. The deductible might be lower, if I remember. I know the co-pay for in-hospital care was $500 somethin. |
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IIRC you pay a fine, based on your income, for not purchasing insurance. No income, not much fine. If something happens, you simply purchase a policy at the hospital, since they can't refuse you for pre existing conditions. WIN WIN! Free stuff for all! Good point, there will be a penalty. |
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Try pricing individual healthcare premiums for the 22-26 year old demographic, typically the healthiest years of your life. Assuming no pre-existing conditions, your premiums would be less than most smartphone data plans, and even less if you choose a high deductible HSA. You sure about that? I have covered employees with insurance in that age bracket and it sure wasn't cheaper than a cel phone plan. I didn't pay much attention to those types of coverages when working and reviewing some insurance company books and records. But I don't think it will turn out that way, or not as good as he opines. I have not had an employee that young in a long time but I want to say it was around $ 275 a month and that was years ago and the premiums have skyrocketed since then. When i was in college $ 275 would have been kind of a lot of money. I am applying for college since I recently lost my job. So this affects me. Let me put it simply I cannot afford $275 a month for health insurance. The only conditions I have are asthma and eczema which are pretty cheap to treat in the world of pharmaceuticals. I priced out insurance, it's far cheaper for me per year to simply pay the full price of the doctors visit to get a checkup than it is to pay insurance for a full year. My GF and I are scrapping by. We have a little money left over every month to go into a savings account and we live well within our means. Dropping a $550 bill on our lap raises our monthly living expenses 50% and would put us in the red. At least until I can get a job. |
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The thread about Fluke got me to think about what will happen to non-dependant students when Obamacare kicks in. They will still HAVE to purchase healthcare even though they are not working full time, etc., and cannot get their parents to add them on their insurance because they might not qualify as dependants for tax puprposes. Read this article, it is an eye opener. http://www.saycampuslife.com/2012/02/27/how-obamacare-affects-students/ I can see all types of activism coming down the pike to give students special treatment under Obamacare. Could this also have been one of the indirect missions of Fluke and idiot Pelosi? What a friggin' can of worms the libtards have opened with Obamacare. I hope and pray the SCOTUS rules this statute unconstitutional. It might very well save us financially. i seem to recall that under obamacare, kids had to be covered under their parents insurance under they're 25. |