Obamacare experiences -- post 'em if you've got 'em

RedRocket44 said:
I'm glad I live in Canada. The whole idea of health insurance seems foreign to me.

I don't understand why anyone would want insurance companies involved in healthcare? A system run by the government doesn't have the added costs of a 3rd party looking to make profits.
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bowing down to big business is the american way.
 
My insurance costs went down. One sibling's insurance for her family went down 25%, and then she got a rebate due to the expenditure requirements placed on insurers.
 
RedRocket44 said:
I'm glad I live in Canada. The whole idea of health insurance seems foreign to me.

I don't understand why anyone would want insurance companies involved in healthcare? A system run by the government doesn't have the added costs of a 3rd party looking to make profits.
Click to expand...

A government that gives you every thing can take every thing away!!!!!
 
Major edit:


PainIsLIfe said:
The fee/penalty for 2014 - which you will pay on this tax filing - is the higher of $95/adult and 47.50/child or 1% on income over the filing threshold. With a max family penalty of $285.

For 2015 the penalties go to $325/adult and 162.50/child or 2% above the threshold with a max family penalty of $975


In 2016 the penalties go to 695/adult and 347.50/child or 2.5% above the threshold although I don't know the max family penalty. But if we assume that a person makes $200,000 then the most their penalty could be is $5000.


Edit: And I just finished a 4 hour tax course on filing and reporting this for taxes.
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The penalties listed above are per month; so x12, or the % of income above the filing threshold.

Sorry if I confused anyone.
 
My experience with "Obamacare"(covered California) is I have been declined and told to go on disability then disability tells me to go get Medi-cal and Medi-cal tells me to get Covered California. So as of Feb 15 I will start getting fined money I don't have because I'm stuck in some bureaucratic nonsense.
 
ripskater said:
What's written above is socialist mindset. For the "greater good", "it's better for the whole." People want freedom. They don't want to be forced to pay $1300/month premiums with an $8000 deductible, or be forced to pay the obamacare tax. That's what I was supposed to pay but I can't afford that for my family. That's more than most home mortgages where I live. For something you don't even need every month.

I found a loophole so that I don't have to pay the Obamacare tax penalty. But we don't really have insurance. It' a Christian co-op that helps each other and it's cheap. I'm glad for that, we're healthy as a family right now(thank God) so it's better for us that we don't have to spend $11,000 a year on something we don't even need. That really amount hurts middle class families.

I'm glad to see someone actually admitted that the people who sign up for this will have to ration their healthcare. Many people knew this law was a bad deal for the middle class.

"We have to pass the bill to find out what's in it.
If you like your doctor, you can keep your doctor.
If you like your plan, you can keep your plan."
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I like how you just threw the word socialism out there as if it's this horribly dirty thing that instantly just made your argument. News flash, insurance companies function on a system of socialized costs that are then broken down mathematically based on the amount of coverage and premium you want to pay. The reality of what had been going on in the US is that many people, who were uninsured were being treated by hospitals and physicians and then not paying. That cost was then being picked up by insured individuals in a hidden carried cost passed on by hospitals and physicians to consumers. So whether you like it or not, there are numerous ways that insurance and health care costs have socialized properties where costs are born by the whole in a sense and some people are getting screwed.

One of the crucial ideas in the ACA, which was also first suggested by the uber conservative Heritage foundation, is that with more people insured and paying into the system the burden of premium payment would be more equally spread. The other critical issue is ensuring that medical facilities get compensated to do their critical work and also that people actually have some sort of coverage to cover catastrophic bills, which were leading many families into bankruptcy. This serves as yet another palatable concept of how health of the whole that actually really benefits individuals and aids a capitalist economy because less defaults and a more productive work force. A true capitalist loves a productive economy full of able workers who are ever more capable of servicing their debt.
 
Here's one thing I've noticed: I work with a lot of people in the 25yo age range and many of them are actively seeking to find new insurance to replace the insurance they get through their parents, which only is an option until they're 26.

This stands out to me because when me and my friends turned 18 and lost insurance coverage via our parents, none of us gave a damn about replacing it. Just about everybody I know had a gap in insurance until their mid to late 20's when they finally landed a good job.

So basically Obamacare has created a situation where young people are responsible about their healthcare from the start and don't get in the bad habit of "risking it," and making everybody else pay for them when they have bad luck.
 
djacobox372 said:
Here's one thing I've noticed: I work with a lot of people in the 25yo age range and many of them are actively seeking to find new insurance to replace the insurance they get through their parents, which only is an option until they're 26.

This stands out to me because when me and my friends turned 18 and lost insurance coverage via our parents, none of us gave a damn about replacing it. Just about everybody I know had a gap in insurance until their mid to late 20's when they finally landed a good job.

So basically Obamacare has created a situation where young people are responsible about their healthcare from the start and don't get in the bad habit of "risking it," and making everybody else pay for them when they have bad luck.
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if healthcare in america werent such a racket to start with we wouldnt have this problem. As of now, the middle class do the heavy lifting with health care costs, only difference is that the middle suffer more than ever.

the problem isnt as simple as having coverage, but the amount of coverage. We're overinsured when it comes to subsidized plans, and of course that's by design by the profiteers.
 
TSO said:
My experience with "Obamacare"(covered California) is I have been declined and told to go on disability then disability tells me to go get Medi-cal and Medi-cal tells me to get Covered California. So as of Feb 15 I will start getting fined money I don't have because I'm stuck in some bureaucratic nonsense.
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Covered California is the biggest piece of bullshit the stupid state has ever put together.
 
I walked in with a problem

walked out with a problem

never dealt with insurance companies or paid a deductible

also wasn't american health care. T'was the scary red commie stuff we have here in Canada.
 
The only complaints I have is that it took almost 6 months for me to get approved. They had an immense backlog.
 
My healthcare plan revolves around not getting sick. working so far.
 
I have my own company and got Obamacare. Turnaround was about 3 weeks. Haven't had any issues, thankfully.
 
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