Posted: 2/9/2014 1:52:21 PM EDT
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http://www.theleafchronicle.com/article/20140208/NEWS01/302080020/
But that promise comes with a catch for almost 3 million people earning three to four times the federal poverty rate: They may have to pay up to 9.5 percent of their income toward that premium before the government subsidy kicks in. That could take a substantial bite from their budgets — potentially as much as $600 a month for a family of three earning $58,590 to $78,120.
<snip> Ross’ income qualifies his family for a subsidy that would cover about half the cost of a midlevel “silver” plan, according to online calculators. His share of the cost would range from $494 to $590 a month, while Ross, 47, would be responsible for co-pays for doctor visits and prescriptions and an annual family deductible ranging from $4,000 to $7,000. So $500 a month for premiums is $6,000 a year. And then you could have an additional cost up to $7,000 of deductible on top of that. While the premium of $6,000 a year might only be 8% for a family at $78,000 a year - when you add the deductible of $7,000 the total becomes 17% of their income. The family will need to put back an additional $584 a month to cover their deductible or $1084 a month total. |
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Just to play devil's advocate... How many people (and/or their insurance company) receive $7000 of healthcare services per year? We sure don't. The total cost of my employer sponsored care is 12k per year. All to cover well child visits, and a couple of ear infections. 
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Just to play devil's advocate... How many people (and/or their insurance company) receive $7000 of healthcare services per year? Its probably not likely but in a the event of a serious injury or illness, the costs will quickly exceed $7,000. But isn't that the whole point of insurance? |
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This is not news to anyone that's been paying attention.
3 million jobs lost and 30 million still won't have insurance according to the CBO. Medical care more expensive than ever before at the cost of billions of tax dollars. Anyone who still thinks this was about anything other than wealth redistribution is a moron. 
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| owe-bama and the dims want: A ruling elite and everyone else. There is no place for a middle class in this plan. They will continue to lie and say they are pro-middle class. Their goal is destruction of the middle class. owe-bama care is a small step in achieving that goal. |
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Its probably not likely but in a the event of a serious injury or illness, the costs will quickly exceed $7,000. But isn't that the whole point of insurance? Quoted:
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Just to play devil's advocate... How many people (and/or their insurance company) receive $7000 of healthcare services per year? Its probably not likely but in a the event of a serious injury or illness, the costs will quickly exceed $7,000. But isn't that the whole point of insurance? Yes, that was my point. But don't get me wrong, I'm guilty. I've had three years in the last 8 that my insurance paid out way more than 7k. I'm being more careful and healthy now, though. The way I figure it, having been extremely healthy for 30 years before that, me and the insurance industry are about even now. 
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OP, it should be obvious to anybody by now that the Affordable Care Act is just a sneaky way to get the middle class to pay for/subsidze the poor's health care costs.
The progressives didn't have the balls to just raise middle-class income taxes by 10-15 percent. Instead of doing that, they are rigging the Affordable Care Act so that the middle class will end up paying three to four times MORE for their insurance and they will give tax subsidies to the poor based upon low income levels. No wonder the supreme court said it was a tax bill and was thus constitutional. That is what it really is. It's just another income redistribution ploy. The progressives in charge will let the insurance companies rape the middle class on costs and they will give subsidies to the poor so, again, THE MIDDLE CLASS ENDS UP PAYING FOR THE POOR TO HAVE HEALTH INSURANCE. AND THE INSURANCE COMPANIES STILL END UP GETTING THEIR CUT. So, there is NOTHING AFFORDABLE about the Affordable Care Act if you are a middle-class person who is indirectly paying for the poor to have insurance. AND this is a MAJOR STEP forward toward socializing the country as health care is about one-fifth of the total economy. If American voters don't wake up and kick some of these marxist-socialists (progressives) out of congress in the 2014 elections, we are pretty much fucked. |
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Its probably not likely but in a the event of a serious injury or illness, the costs will quickly exceed $7,000. But isn't that the whole point of insurance? Quoted:
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Just to play devil's advocate... How many people (and/or their insurance company) receive $7000 of healthcare services per year? Its probably not likely but in a the event of a serious injury or illness, the costs will quickly exceed $7,000. But isn't that the whole point of insurance? Before this, an individual could get catastrophic only for 80 bucks a month with a 7500 or 10k deductible. 3 mil in coverage. |
This will drastically effect the economy. The middle class will have $1,000's of dollars a year less to pump into the local businesses and other luxury items like cars, vacations ect.. It will effect every company large or small.  . My insurance is cover by my company (UPS), but starting this year we have to pay additional for our wives & kids. Up until last year the whole family was covered for free. I will be getting married in a few months so I will have a new deduction taken from my paycheck weekly 
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Before this, an individual could get catastrophic only for 80 bucks a month with a 7500 or 10k deductible. 3 mil in coverage. Quoted:
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Just to play devil's advocate... How many people (and/or their insurance company) receive $7000 of healthcare services per year? Its probably not likely but in a the event of a serious injury or illness, the costs will quickly exceed $7,000. But isn't that the whole point of insurance? Before this, an individual could get catastrophic only for 80 bucks a month with a 7500 or 10k deductible. 3 mil in coverage. Which is what most people should have and then pay out of pocket for everything else. Make this happen and you will see health care costs go down. And I'm not talking about health care in the insurance manner that everyone else is. |
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This will drastically effect the economy. The middle class will have $1,000's of dollars a year less to pump into the local businesses and other luxury items like cars, vacations ect.. It will effect every company large or small. . My insurance is cover by my company (UPS), but starting this year we have to pay additional for our wives & kids. Up until last year the whole family was covered for free. I will be getting married in a few months so I will have a new deduction taken from my paycheck weekly You've never been getting free health insurance. That cost to your employer is part of your compensation plan. |
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You've never been getting free health insurance. That cost to your employer is part of your compensation plan. Quoted:
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This will drastically effect the economy. The middle class will have $1,000's of dollars a year less to pump into the local businesses and other luxury items like cars, vacations ect.. It will effect every company large or small. . My insurance is cover by my company (UPS), but starting this year we have to pay additional for our wives & kids. Up until last year the whole family was covered for free. I will be getting married in a few months so I will have a new deduction taken from my paycheck weekly You've never been getting free health insurance. That cost to your employer is part of your compensation plan. Right, meaning it wasn't directly coming out of my paycheck. With Obamacare now we will have deductions taken out. |
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Just to play devil's advocate... How many people (and/or their insurance company) receive $7000 of healthcare services per year? Here's the rub to me. If I'm paying $500 an month - and then I have to pay 100% of everything up to another $7,000. It's like paying $500 and not having insurance at all. Maybe I won't get to $7,000 most years. When you're paying full price for everything, it won't take much to get there. But I'm still going to have to have that much set back - just in case. |
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OP, it should be obvious to anybody by now that the Affordable Care Act is just a sneaky way to get the middle class to pay for/subsidze the poor's health care costs. The progressives didn't have the balls to just raise middle-class income taxes by 10-15 percent. Instead of doing that, they are rigging the Affordable Care Act so that the middle class will end up paying three to four times MORE for their insurance and they will give tax subsidies to the poor based upon low income levels. No wonder the supreme court said it was a tax bill and was thus constitutional. That is what it really is. It's just another income redistribution ploy. The progressives in charge will let the insurance companies rape the middle class on costs and they will give subsidies to the poor so, again, THE MIDDLE CLASS ENDS UP PAYING FOR THE POOR TO HAVE HEALTH INSURANCE. AND THE INSURANCE COMPANIES STILL END UP GETTING THEIR CUT. So, there is NOTHING AFFORDABLE about the Affordable Care Act if you are a middle-class person who is indirectly paying for the poor to have insurance. AND this is a MAJOR STEP forward toward socializing the country as health care is about one-fifth of the total economy. If American voters don't wake up and kick some of these marxist-socialists (progressives) out of congress in the 2014 elections, we are pretty much fucked. Sums it up nicely. I've said before in one of these threads that IF the dems really wanted to provide healthCARE for the few who didn't already have insurance, they could have proposed an expansion of the US Public Heath Service to provide in-kind treatment - an FSA VA if you will. That might have had a chance of passing, especially if it was paid for by cuts to FSA entitlements. Heck, that would have had a side benefit of giving the Surgeon General an actual job to do instead of just being a nanny-state nag. In truth, the ACA has as you say, nothing affordable about it, but it also has nothing to do with care and everything to do with shifting around who the bill payers are. |
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Its probably not likely but in a the event of a serious injury or illness, the costs will quickly exceed $7,000. But isn't that the whole point of insurance? Quoted:
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Just to play devil's advocate... How many people (and/or their insurance company) receive $7000 of healthcare services per year? Its probably not likely but in a the event of a serious injury or illness, the costs will quickly exceed $7,000. But isn't that the whole point of insurance? This! So far for my surgery to remove my cancer in November I'm at about 130,000.00. Factor in chemo, various test, and the like and I'm approaching 175,000.00. However, before my diagnosis I barley used 600.00 worth of medical care a year. |
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This! So far for my surgery to remove my cancer in November I'm at about 130,000.00. Factor in chemo, various test, and the like and I'm approaching 175,000.00. However, before my diagnosis I barley used 600.00 worth of medical care a year. Quoted:
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Just to play devil's advocate... How many people (and/or their insurance company) receive $7000 of healthcare services per year? Its probably not likely but in a the event of a serious injury or illness, the costs will quickly exceed $7,000. But isn't that the whole point of insurance? This! So far for my surgery to remove my cancer in November I'm at about 130,000.00. Factor in chemo, various test, and the like and I'm approaching 175,000.00. However, before my diagnosis I barley used 600.00 worth of medical care a year. To put that in perspective, 175K is actually somewhat common. I have seen numerous folks in 1 year run up costs into the multi-millions. Its all about probabilities. More people are hitting that upper end, which means either more people need to have less claims (not gonna happen) or everyone pays more. I don't mean diminish what you are going through. F Cancer! 15 years in remission here. |
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Kill the middle class and kill the worlds best medical system in one stab. Truly a shit sandwich. Quoted:
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This is not news to anyone that's been paying attention. Kill the middle class and kill the worlds best medical system in one stab. Truly a shit sandwich. Your post is spot on.............. |
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Just to play devil's advocate... How many people (and/or their insurance company) receive $7000 of healthcare services per year? My wife went into the emergency room for abdominal pain. One X-ray, a shot of pain killer and 2 hours later the bill was $4800. |
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We sure don't. The total cost of my employer sponsored care is 12k per year. All to cover well child visits, and a couple of ear infections. Quoted:
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Just to play devil's advocate... How many people (and/or their insurance company) receive $7000 of healthcare services per year? We sure don't. The total cost of my employer sponsored care is 12k per year. All to cover well child visits, and a couple of ear infections. So it's at least competitive. How many 80K/Yr families won't have someone with family health care coverage offered by the employer? Middle class has been under intense pressure from health care cost increases for two decades- with the last decade being almost catastrophic. The cliff isn't anything new. |
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Just to play devil's advocate... How many people (and/or their insurance company) receive $7000 of healthcare services per year? The answer depends on if the provider is getting the full rate they bill, or the negotiated rate the insurance company actually pays. |
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Which is what most people should have and then pay out of pocket for everything else. Make this happen and you will see health care costs go down. And I'm not talking about health care in the insurance manner that everyone else is. Quoted:
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Just to play devil's advocate... How many people (and/or their insurance company) receive $7000 of healthcare services per year? Its probably not likely but in a the event of a serious injury or illness, the costs will quickly exceed $7,000. But isn't that the whole point of insurance? Before this, an individual could get catastrophic only for 80 bucks a month with a 7500 or 10k deductible. 3 mil in coverage. Which is what most people should have and then pay out of pocket for everything else. Make this happen and you will see health care costs go down. And I'm not talking about health care in the insurance manner that everyone else is. Bingo! I have been saying this all along. Then when I as a doc, hospitals and drug makers have to compete for those out-of-pocket dollars, prices will plummet. Posted Via AR15.Com Mobile |
