So ... How Much Will Your Policy Cost Under The Affordable Healthcare Act?

[Chadeaux]

I don't know how much your policy will cost, but that is pretty normal as I don't know what your situation is ... income, pre-existing conditions, etc.

You probably don't know either ... in fact I'm absolutely positive you don't know (unless you're on welfare) how much your premiums will be.

How do I know? What could give me the audacity to say something like that?

Well, a conversation with the folks at the Healthcare Marketplace (http://www.healthcare.gov).

Open enrollment begins October 1, 2013 here in Arkansas. If you wait longer than that, you will not be insured on January 1, 2014.

So, I stopped in and chatted with one of the representatives at the Healthcare Marketplace to try to figure out what my premiums would be ...

[FONT=arial, tahoma, verdana, sans-serif][6:31:16 pm]:[/FONT] [FONT=arial, tahoma, verdana, sans-serif]Chadeaux [/FONT]

[FONT=arial, tahoma, verdana, sans-serif]I'm trying to find out how much this stuff is going to cost [/FONT]

[FONT=arial, tahoma, verdana, sans-serif][6:31:42 pm]:[/FONT] [FONT=arial, tahoma, verdana, sans-serif]Chadeaux [/FONT]

[FONT=arial, tahoma, verdana, sans-serif]Work full time and have insurance, but need insurance for wife and daughter [/FONT]

[FONT=arial, tahoma, verdana, sans-serif][6:32:14 pm]:[/FONT] [FONT=arial, tahoma, verdana, sans-serif]Karita [/FONT]

[FONT=arial, tahoma, verdana, sans-serif]The Health Insurance Marketplace is a new way to buy health insurance. Through the Marketplace, individuals and small businesses can compare health plans, get answers to questions, determine eligibility for lower out-of-pocket costs, and enroll in health plans, allowing you to make the best insurance decisions for you and your family. [/FONT]

[FONT=arial, tahoma, verdana, sans-serif][6:32:18 pm]:[/FONT] [FONT=arial, tahoma, verdana, sans-serif]Chadeaux [/FONT]

[FONT=arial, tahoma, verdana, sans-serif]Waiting .... [/FONT]

[FONT=arial, tahoma, verdana, sans-serif][6:32:41 pm]:[/FONT] [FONT=arial, tahoma, verdana, sans-serif]Chadeaux [/FONT]

[FONT=arial, tahoma, verdana, sans-serif]for an actual answer. How do I determine the cost? [/FONT]

[FONT=arial, tahoma, verdana, sans-serif][6:32:52 pm]:[/FONT] [FONT=arial, tahoma, verdana, sans-serif]Karita [/FONT]

[FONT=arial, tahoma, verdana, sans-serif]The premium amounts haven't been released yet because the Health Insurance Marketplace plans are still finalizing them,[/FONT][FONT=arial, tahoma, verdana, sans-serif] but there will be plans to fit just about every need and budget. Some plans will have lower monthly premiums and may charge you more out-of-pocket when you need care. Some will be higher-premium plans that cover more of your costs when you need care, and there will be others that will fall in the middle. [/FONT]

[FONT=arial, tahoma, verdana, sans-serif][6:33:32 pm]:[/FONT] [FONT=arial, tahoma, verdana, sans-serif]Karita [/FONT]

[FONT=arial, tahoma, verdana, sans-serif]The premium amounts will be announced on HealthCare.gov when open enrollment begins on October 1, 2013. There are things you can do now to prepare, such as reviewing your household expenses and setting a budget for how much you can afford to spend each month on health insurance. You can also use tools such as the Kaiser Family Foundation calculator to get a rough estimate of how much health insurance may cost you and your family in 2014. Your final premiums and costs may differ from the estimates, depending on where you live and the coverage you select. You can learn your final costs for specific plans when you apply through the Marketplace beginning October 1, 2013. [/FONT]

Now, how can the world's smartest people not already know how much you are going to have to pay?

Better yet, you are apparently going to be asked to sign a blank contract (P.T. Barnum business model: "There's a fool born every minute") without knowing how much things are going to cost you.

Plans are still finalizing ... this thing has been law since 2010 and they STILL don't know what the premiums are going to be? How can they accomplish in 20 days what they haven't been able to accomplish in 2 years?

Hello!!! "So, we don't know how much you're going to pay yet. We don't know what plans are going to be offered. We don't know what kind of co-pays or the effects of pre-existing conditions on your costs, but here's the contract ... sign here in blood."

 

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[GMD52]

Chad,

First indication of premiums were released this week from Vt for the new "affordable" health care. At present, my wife and I pay $895/month, taken directly out of her pay check(before taxes, so it's not deductible!), to have a comparable policy next year, the cost will be $620 each=1240 , for less benefits.......hope that everyone enjoys the much better deal we just had crammed down our throats. The estimated cost to Vter's for this insurance is said to have a cost of $1.6 BILLION, and that exceeds all the tax revenue collected in the state on the whole.....I'm really impressed, how about you? Gary

 

[NJ Marty]

Chad,

First indication of premiums were released this week from Vt for the new "affordable" health care. At present, my wife and I pay $895/month, taken directly out of her pay check(before taxes, so it's not deductible!), to have a comparable policy next year, the cost will be $620 each=1240 , for less benefits.......hope that everyone enjoys the much better deal we just had crammed down our throats. The estimated cost to Vter's for this insurance is said to have a cost of $1.6 BILLION, and that exceeds all the tax revenue collected in the state on the whole.....I'm really impressed, how about you? Gary

Its only going to be affordable to people who don't work and play video games all day.

 

[Dave44]

Well I did find out that even employers with under 50 employees will be affected soon. We have to send a letter to any employee that they can get socialized insurance from the king, or we will pay a ransom, I mean a fine, I mean a penalty. A tax? I couldn't keep up with the argument in front of the supreme court either.

This is great,, We have passed it and one day we will see what goodies are in it!

 

[GMD52]

Dave,

've considered paying the fine....it's cheaper than the insurance! Gary

 

[Treasure_Hunter]

Its only going to be affordable to people who don't work and play video games all day.

That what it was designed for......

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[NJ Marty]

That what it was designed for......

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And to create a guaranteed vote. Once Texas or Florida falls to the " You make too much money, I want some for doing nothing" We Are all DOOMED.

 

[paratrooper]

The answers seem very simple. After allowing a whole world full of people a pass on this crap the cost will be divided up among those left. As more people fall out of the scheme the price will go up. It's rather like inflation during the Weimar Republic. Bread is .15 cents at noon. You go back at 3 PM and it is up to .17 cents. Tomorrow morning it will be .20 cents. The numbers will change constantly AND not for the better.

 

[Chadeaux]

The answers seem very simple. After allowing a whole world full of people a pass on this crap the cost will be divided up among those left. As more people fall out of the scheme the price will go up. It's rather like inflation during the Weimar Republic. Bread is .15 cents at noon. You go back at 3 PM and it is up to .17 cents. Tomorrow morning it will be .20 cents. The numbers will change constantly AND not for the better.

Yeah, lots of similarities there ... lots of parallels indeed.

Who's gonna take out the dictator though, when the U.S. can't come to the rescue?

 

[TheRingFinder]

Just about everything the Government controls is messed up - Even the Military is now a mess, maybe they can fix it with a couple more drag shows. How pathetic........How sad...........

 

[wingmaster]

They did nothing to bring down the actual cost of health care as the first companies the should have sit down with are the drug companies followed by equipment and surgical supply companies and the hospitals. None of these costs have been addressed and with high out of pocket expenses and deductibles whats going to be different?

 

[jerseyben]

Just about everything the Government controls is messed up - Even the Military is now a mess, maybe they can fix it with a couple more drag shows. How pathetic........How sad...........

Drag shows?

 

[Ronzie]

As much as I like the states, health care scares the heck out of me.
In Ontario everyone has OHIP (Ontario health insurance plan). Emergency visits, doctor visits, operations (not cosmetic, getting neutered, etc), semi private hospital room are covered.

You have to pay for things like casts, crutches, dental braces. but if you get in a serious car accident say, it's covered.
My wife has a plan at work that is different from most. She makes really good money so instead of an actual health plan/insurance, they have it that $6000 a year goes for prescriptions, dental (cleanings, fillings, whatever else). But with my wife the way hers work we can send in all our receipts for everything and get it all back up to $6000 per year. With hers my daughters braces were covered 100%

I've heard horror stories of people getting into accidents in the states and their bills can be enormous. Like $100's of thousands.

When Canadians travel outside of Canada then you need to get travel insurance. If something were to happen abroad without insurance your screwed.

 

[Treasure_Hunter]

Just about everything the Government controls is messed up - Even the Military is now a mess, maybe they can fix it with a couple more drag shows. How pathetic........How sad...........

So they still have drag shows? They were having them in the 60s when I was in......

Not sure how the drag shows will work under the new military muslim and gay guidelines ....

Drag queen in a Burka sorta kills it.

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[jerseyben]

As much as I like the states, health care scares the heck out of me.
In Ontario everyone has OHIP (Ontario health insurance plan). Emergency visits, doctor visits, operations (not cosmetic, getting neutered, etc), semi private hospital room are covered.

You have to pay for things like casts, crutches, dental braces. but if you get in a serious car accident say, it's covered.
My wife has a plan at work that is different from most. She makes really good money so instead of an actual health plan/insurance, they have it that $6000 a year goes for prescriptions, dental (cleanings, fillings, whatever else). But with my wife the way hers work we can send in all our receipts for everything and get it all back up to $6000 per year. With hers my daughters braces were covered 100%

I've heard horror stories of people getting into accidents in the states and their bills can be enormous. Like $100's of thousands.

When Canadians travel outside of Canada then you need to get travel insurance. If something were to happen abroad without insurance your screwed.

We can only hope to someday be on par with what you have...

Unfortunately, when people's health is "for profit" that dream will continue to die.

 

[Chadeaux]

We can only hope to someday be on par with what you have...

Unfortunately, when people's health is "for profit" that dream will continue to die.

Go North young man, go north. We don't want it here!!!

 

[packerbacker]

I figure it this way. Not having time to read the million page health care laws I have to just conclude, based on the way everything else is done around here, if you already had health care it's going to cost you more so we can all pay for the non-contributors to our little hive. The same ones we pay rent for, feed, give phones to etc., etc,. etc.

 

[Treasure_Hunter]

As much as I like the states, health care scares the heck out of me.
In Ontario everyone has OHIP (Ontario health insurance plan). Emergency visits, doctor visits, operations (not cosmetic, getting neutered, etc), semi private hospital room are covered.

You have to pay for things like casts, crutches, dental braces. but if you get in a serious car accident say, it's covered.
My wife has a plan at work that is different from most. She makes really good money so instead of an actual health plan/insurance, they have it that $6000 a year goes for prescriptions, dental (cleanings, fillings, whatever else). But with my wife the way hers work we can send in all our receipts for everything and get it all back up to $6000 per year. With hers my daughters braces were covered 100%

I've heard horror stories of people getting into accidents in the states and their bills can be enormous. Like $100's of thousands.

When Canadians travel outside of Canada then you need to get travel insurance. If something were to happen abroad without insurance your screwed.

How long you have to wait to see a specialist or schedule an operation...? I know people that gave up waiting in Canada and came to states because they were tired of waiting.....

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[Chadeaux]

I figure it this way. Not having time to read the million page health care laws I have to just conclude, based on the way everything else is done around here, if you already had health care it's going to cost you more so we can all pay for the non-contributors to our little hive. The same ones we pay rent for, feed, give phones to etc., etc,. etc.

Actually, we already pay for healthcare for these people ... medicaid pays for clinics where these people get treated for free or at reduced cost, while working people foot the bill.

We already pay for surgeries on persons who don't have insurance (a hospital cannot refuse to treat you because of income, or they lose their federal dollars), we pay for all these things, but now ... all you are really getting is an extra layer of bureaucracy added that we need to pay for.

It is a way to increase taxes on the few producers we have left.

Remember the whinning about HMO's in the 80's and 90's? This is set up like the worst of the HMO's, but with a much higher price tag.

 

[Chadeaux]

UPDATE UPDATE UPDATE

Okay, so how expensive will the "Affordable Health Care Act" be for the average working person?

I'm 56, wife 52. Both non smokers (it did ask about that, but not pre-existing conditions ... I'm diabetic with heart disease, wife also has health issues) and I have a teenage daughter.

I work where I do because it is a safer environment (death threats are not as numerous as in the bigger cities - and yes, I do receive them) and I really don't want to live in an urban environment for the sake of my family.

I earn a bit less than $30k annually, so I plugged in $28k as annual income. answered all the questions truthfully and here is what I got:

Over 1/2 of my BEFORE TAX INCOME would be going towards insurance. I have a mortgage ... and hell, I like to feed my family and myself. We kind of enjoy having electricity and running water. How in the F*** am I supposed to live?

Oh, the $12,998 isn't a subsidy against the $14k, while it looks great, who knows what a tax credit is? It is the money you don't pay taxes on. It isn't cash, it isn't credit against the balance ... while it appears to be a full credit against the cost, it is actually ONLY A TAX CREDIT (an amount I won't have to pay taxes on --- whoopee!).

Guess I'm going to join the ranks of the "refuse to f'ing work" bunch ... at least they'll pay my insurance, buy me food and if my old lady tells them I left her, maybe they'll pay her lights and water while she lives in a tent somewhere.

This is the most ignorant bunch of B******S I have ever seen!