Opinion I had no idea how bad Obamacare is

[mommas homeboy]

It’s not just Obamacare either. Any non-employer healthcare insurance is going to be an absolutely terrible deal, unless you are dirt poor.

$450 a month plus a $11,000 deductible for just a married couple? That means you’re paying about $16,000 a year before you get any reimbursement from your insurer. Unless you plan having hospital bills that are over 16k a year, it’s a terrible idea to pay any premiums at all.

Investing that monthly premium into something else is a much better idea. And excuse me if everyone already knew this, but it’s news to me. The numbers I wrote above are much worse if you make even a little more money than an average middle class household does.

No thanks, health insurance companies.

 

[Trotsky]

FWIW, it seems that you still have no idea.

 

[HunterSdVa29]

It's a great idea in theory, the forced mandate was patently absurd though....

 

[EradiatedHaggis]

Welcome to a dose of reality. The more you get of it the further you move away from what is liberalism today.

 

[Ice That Jaw]

It’s not just Obamacare either. Any non-employer healthcare insurance is going to be an absolutely terrible deal, unless you are dirt poor.

$450 a month plus a $11,000 deductible for just a married couple? That means you’re paying about $16,000 a year before you get any reimbursement from your insurer. Unless you plan having hospital bills that are over 16k a year, it’s a terrible idea to pay any premiums at all.

Investing that monthly premium into something else is a much better idea. And excuse me if everyone already knew this, but it’s news to me. The numbers I wrote above are much worse if you make even a little more money than an average middle class household does.

No thanks, health insurance companies.

The ACA's biggest success is that it adds coverage, not that the coverage is any good. Man, an 11k deductable is brutal. A single trip to the hospital with that could bankrupt some individuals, I'm sure.

 

[Revolver]

Poor people are funny.

 

[all caps]

I dont understand someone with "non employer healthcare"

How does that even work? How would you pay for that shit without a job?

Yes. I'm a poor person. Maybe only rich people have the luxury of buying Gucci Dental

 

[GearSolidMetal]

But in 2009, the President said...

 

[EradiatedHaggis]

I dont understand someone with "non employer healthcare"

How does that even work? How would you pay for that shit without a job?

Cant tell if trolling or really stupid.

 

[nostradumbass]

It's a great idea in theory, the forced mandate was patently absurd though....

They had to do that. If you can't deny someone with a preexisting condition, nobody would buy it until they got sick. The mandate actually needed to be significantly higher for it not to collapse.

I'd frankly rather insurance went away entirely for small things and people just pay the doctors directly for anything that isn't catastrophic or life threatening. None of this primary care crap going through insurance and jacking the shit out of the costs for everyone.

 

[BangersAndSmash]

It’s not just Obamacare either. Any non-employer healthcare insurance is going to be an absolutely terrible deal, unless you are dirt poor.

$450 a month plus a $11,000 deductible for just a married couple? That means you’re paying about $16,000 a year before you get any reimbursement from your insurer. Unless you plan having hospital bills that are over 16k a year, it’s a terrible idea to pay any premiums at all.

Investing that monthly premium into something else is a much better idea. And excuse me if everyone already knew this, but it’s news to me. The numbers I wrote above are much worse if you make even a little more money than an average middle class household does.

No thanks, health insurance companies.

I can't speak to anyone else, but every hospital bill I've seen from someone I know in the last five years was anywhere from 17k to 25k and that was for one day emergency room visits. I can't even begin to fathom what it would cost if they stayed multiple days.

 

[HunterSdVa29]

They had to do that. If you can't deny someone with a preexisting condition, nobody would buy it until they got sick. The mandate actually needed to be significantly higher for it not to collapse.

I'd frankly rather insurance went away entirely for small things and people just pay the doctors directly for anything that isn't catastrophic or life threatening. None of this primary care crap going through insurance and jacking the shit out of the costs for everyone.

then they need to combine the coverages
forcing a mandate, while ALSO still taking that Medicare part of FICA is a bit egregious IMO

 

[nostradumbass]

But in 2009, the President said...

I mean seriously, did any of that even sound believable to anyone? Might as well have thrown in unicorn rides as long they're promising shit that doesn't even make sense.

 

[all caps]

Cant tell if trolling or really stupid.

Call it stupid if you have to. I wouldnt ask it if I wasnt curious. Why would I know about non employer healthcare? I'm not out shopping around for this bullshit

 

[44nutman]

I am a small business and I take it in the shorts for insurance. I have a wife and two kids and pay about 1800/month for insurance.

 

[zebby23]

Welcome to a dose of reality. The more you get of it the further you move away from what is liberalism today.

Says the guy who uses every negative anecdote to attack “liberalism” you guys are obsessed with that word lol

 

[zebby23]

I am a small business and I take it in the shorts for insurance. I have a wife and two kids and pay about 1800/month for insurance.

Wait... you pay 1800 a month just for 4 of you?

 

[zebby23]

I can't speak to anyone else, but every hospital bill I've seen from someone I know in the last five years was anywhere from 17k to 25k and that was for one day emergency room visits. I can't even begin to fathom what it would cost if they stayed multiple days.

Just had a 3 day stay in the hospital. Bill was 27,000 and I have the highest level insurance through my job.

My portion of that is less than 1,000.

 

[Steve-French]

I use the VA for health insurance and it's great coverage and I have always been taken really good care of through them. $10 a normal appointment. (labs, check ups, follow ups. etc...) $50 a specialty appointment (Surgery, ER visit, stitches, etc...) and $8 a month if I need prescriptions filled. I also pay $50 a month for dental insurance that covers 70% of any kind of major work, but provides cleanings, X-rays, and checkups for no cost.

So I have never needed to use Obamacare, but everybody I know that had to sign up said it sucked and would just go without it and pay the penalty at the end of the year with their taxes.

 

[EradiatedHaggis]

Call it stupid if you have to. I wouldnt ask it if I wasnt curious. Why would I know about non employer healthcare? I'm not out shopping around for this bullshit

It is stupid. You can have a job that does not provide you with insurance thus meaning you have to get non employer healthcare, or the job can be providing you with such poor coverage that you have to get better coverage elsewhere.