|
|
Post by Sprockey on Oct 16, 2017 13:43:24 GMT -5
|
|
|
|
Post by RichB on Oct 16, 2017 14:07:11 GMT -5
So why all the hand-wringing and freaking out? *confused*
Because it is a path that doesn't lead to single payer which most Democrats are convinced is the only viable solution.
|
|
mare
Full Member
Posts: 2,517
|
Post by mare on Oct 16, 2017 15:58:28 GMT -5
One of the biggest worries is that only sick people will be stuck in the exchanges, making them unaffordable. What provisions are there for the self employed? Seems that is going to go back to individual and/or high risk, which is....unaffordable.
Sent from my SAMSUNG-SM-G930A using Tapatalk
|
|
|
|
Post by andrea on Oct 16, 2017 16:23:02 GMT -5
Young healthy people aren't going to go for paying high premiums for plans that also have high out of pocket costs/deductibles. I don't blame them.
Until we get a handle on our health care prices, there are not going to be any good options here.
|
|
stl
Full Member
Posts: 633
|
Post by stl on Oct 16, 2017 18:51:18 GMT -5
One of the biggest worries is that only sick people will be stuck in the exchanges, making them unaffordable. What provisions are there for the self employed? Seems that is going to go back to individual and/or high risk, which is....unaffordable. Sent from my SAMSUNG-SM-G930A using Tapatalk It sound like for at least some of them, they'd be able to buy into group plans via trade associations. So, if you're a self employed real estate agent, you could buy into a group plan through a state or national real estate association that you belong to. |
|
mare
Full Member
Posts: 2,517
|
Post by mare on Oct 16, 2017 20:00:56 GMT -5
One of the biggest worries is that only sick people will be stuck in the exchanges, making them unaffordable. What provisions are there for the self employed? Seems that is going to go back to individual and/or high risk, which is....unaffordable. Sent from my SAMSUNG-SM-G930A using Tapatalk It sound like for at least some of them, they'd be able to buy into group plans via trade associations. So, if you're a self employed real estate agent, you could buy into a group plan through a state or national real estate association that you belong to. Not everyone belongs to a trade association and not all associations are free. My DH and I pay $200 a year each to get life and disability insurance through an association. Neither one of us is active at all in it. We just want the lower cost insurance. Not everyone has that option. Sent from my SAMSUNG-SM-G930A using Tapatalk |
|
|
|
Post by TapToTalk on Oct 16, 2017 20:10:31 GMT -5
I just saw my 28% increase for next year. I am so happy and excited that the government knows what's "affordable"!
People on Medicaid are set. People who work for large corporation are set. Self-employed or small business, we're only about 10-12% of the population, we're a rounding error.
|
|
stl
Full Member
Posts: 633
|
Post by stl on Oct 16, 2017 20:16:05 GMT -5
It sound like for at least some of them, they'd be able to buy into group plans via trade associations. So, if you're a self employed real estate agent, you could buy into a group plan through a state or national real estate association that you belong to. Not everyone belongs to a trade association and not all associations are free. My DH and I pay $200 a year each to get life and disability insurance through an association. Neither one of us is active at all in it. We just want the lower cost insurance. Not everyone has that option. Sent from my SAMSUNG-SM-G930A using Tapatalk DH and I have to pay to be members of the Farm Bureau so we can get homeowners insurance through Country Companies. We're not farmers and would have no reason to belong to the Farm Bureau otherwise. I think I would have to calculate the overall cost and if our yearly health insurance cost would be lower even with having to pay to belong to an association then it would make sense to pay it. If not then I suppose we could get a policy through the exchange if that worked out to be more affordable. |
|
|
|
Post by Sprockey on Oct 16, 2017 20:16:17 GMT -5
It sound like for at least some of them, they'd be able to buy into group plans via trade associations. So, if you're a self employed real estate agent, you could buy into a group plan through a state or national real estate association that you belong to. Not everyone belongs to a trade association and not all associations are free. My DH and I pay $200 a year each to get life and disability insurance through an association. Neither one of us is active at all in it. We just want the lower cost insurance. Not everyone has that option. Sent from my SAMSUNG-SM-G930A using Tapatalk That's why she said "At least some of them" Lol |
|
mare
Full Member
Posts: 2,517
|
Post by mare on Oct 16, 2017 20:19:29 GMT -5
Not everyone belongs to a trade association and not all associations are free. My DH and I pay $200 a year each to get life and disability insurance through an association. Neither one of us is active at all in it. We just want the lower cost insurance. Not everyone has that option. Sent from my SAMSUNG-SM-G930A using Tapatalk That's why she said "At least some of them" Lol I get that but it sucks that a significant part of the population is left hung out to dry. Sent from my SAMSUNG-SM-G930A using Tapatalk |
|
|
|
Post by Sprockey on Oct 16, 2017 20:31:42 GMT -5
Compared to what, though?
Obamacare left quite a few people hung out to dry.
|
|
|
|
Post by TapToTalk on Oct 16, 2017 20:45:16 GMT -5
Compared to what, though? Obamacare left quite a few people hung out to dry. More people are hung out to dry than realize it. If you pay for your own, you see the higher premiums. If you have employer provided insurance, you see higher co-pays AND wage stagnation. The part the employer is "paying for" is coming out of salaries+benefits bucket. |
|
|
|
Post by Sprockey on Oct 16, 2017 20:50:45 GMT -5
Exactly.
I realize that I am in better shape than most with my employer sponsored plan, but my out of pocket and deductibles have sky rocketed in the past 8 years.
Yes, it was going up before but just a little each year.
It's ridiculous now, and I'm supposedly one of the lucky ones.
|
|
stl
Full Member
Posts: 633
|
Post by stl on Oct 16, 2017 20:54:18 GMT -5
Compared to what, though? Obamacare left quite a few people hung out to dry. More people are hung out to dry than realize it. If you pay for your own, you see the higher premiums. If you have employer provided insurance, you see higher co-pays AND wage stagnation. The part the employer is "paying for" is coming out of salaries+benefits bucket. Yep. I started working FT about 3 years ago because DH is self employed and getting and paying for health insurance was becoming a huge issue for us. So far, I've broken even when it comes to yearly raises of my salary and the yearly increase in what I pay for health insurance. My raise goes straight to the increased premium. We took the HSA option and just got the info. for next years options. If we stick with the HSA, we'll pay about $400/mo for the family plan with the deductible going up $200/yr, premiums going up about $50/mo and my employer contribution to my HSA account staying exactly the same. Their contribution hasn't changed in the 3 years we've had the HSA. Their contribution is only about 25% of the total family deductible. That's not to say that this employer insurance sucks. Compared to what we'd have to pay and what we'd be able to get on our own, I'll take this employer insurance any day. I'm also glad that I work for a large company that's doing well and who can afford to keep the increases relatively low in this day and age. It's kind of sad that I consider a $3k family deductible for $400/mo a good deal. |
|
|
|
Post by andrea on Oct 17, 2017 10:46:41 GMT -5
"More people are hung out to dry than realize it. If you pay for your own, you see the higher premiums. If you have employer provided insurance, you see higher co-pays AND wage stagnation. The part the employer is "paying for" is coming out of salaries+benefits bucket. "
This. It's why when Jimmy Kimmel et. al. cries on TV about how awesome Obamacare is, I want to vomit.
|
|
mare
Full Member
Posts: 2,517
|
Post by mare on Oct 17, 2017 12:22:23 GMT -5
The ACA is not awesome. Not by a long shot. Where are the alternatives though? Letting small businesses band together doesn't solve the overall problem.
Sent from my SAMSUNG-SM-G930A using Tapatalk
|
|
