Quote:Bingo, especially the part in bold. People are so conditioned to think that it's up to employers and/or government to provide health insurance. If it was possible to shop around for health insurance I would gladly reject my employer's plan and take a salary increase.
There is a better way. It's called personal responsibility. Buy your own insurance and save for your own retirement.
Ever pay attention to the cost the employers cover?
Quote:Bingo, especially the part in bold. People are so conditioned to think that it's up to employers and/or government to provide health insurance. If it was possible to shop around for health insurance I would gladly reject my employer's plan and take a salary increase.
There is a better way. It's called personal responsibility. Buy your own insurance and save for your own retirement.
Hahahaha yeah...ever see how much it actually costs? I pay only 11% of the total premium, the company pays the other 89%...
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The average premium for family coverage is <b>$1,462</b> per month or <b>$17,545</b> per year (source). These amounts are generally split by the employer and employee. On average, employers pay: <b>$5,179</b> annually (83 percent of the premium) to cover a single employee.Sep 28, 2015
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FAQ - How Much Does it Cost to Provide Health Insurance to ...
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https://www.zanebenefits.com/.../faq-<b>how-much</b>-<b>does</b>-it-<b>cost</b>-to-provide-<b>health-insuranc</b>...
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Quote:I'm interested to hear more about what Ben Carson talks about as far as catastrophic insurance coinciding with an HSA. Does anybody have any detail on his thoughts?
No details but I know that this is something he's advocated for in addition to encouraging more solutions that allow care providers to directly manage risk pools and cut out insurance companies from a large part of the equation for non catastrophic care. I am excited to see what he proposes.
Quote:I always believed the ACA needs to be amended. Its loopholes put me in what I called "health insurance hell" this year. But I would never want to completely get rid of it because some parts of the law work as they should.
There will be a lot of open discussion about the alternative put forth. I think that the provisions that you like will by and large be part of the plan moving forward. Remember, they need 8 dems to sign on to most anything.
The biggest issue for me is that it's a LAW and tied into the IRS. Neither of those should be part of any healthcare system.
We have insurance through my husband's employer and my preexisting condition of anxiety and depression was an issue. I had to be self pay for a year before insurance would cover my shrink visits. I guess if you're not part of the ACA exchange you can still be penalized. Either that or the provision is the insurance company couldn't deny coverage overall but they were not going to cover it for the first year.
The government should not be able to penalize me over insurance.
It's complete [BLEEP].
Quote:The biggest issue for me is that it's a LAW and tied into the IRS. Neither of those should be part of any healthcare system.
We have insurance through my husband's employer and my preexisting condition of anxiety and depression was an issue. I had to be self pay for a year before insurance would cover my shrink visits. I guess if you're not part of the ACA exchange you can still be penalized. Either that or the provision is the insurance company couldn't deny coverage overall but they were not going to cover it for the first year.
The reason for that is because people without health care tend to use the ER as their primary medical facility rather than a doctors office and then they don't pay the hospital...
This is an old article, but it illustrates WHY the government decided to tie uninsured to the IRS...They are trying to recover billions of dollars paid to hospitals for non insured people
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<p style="color:rgb(68,68,68);font-size:16px;">"Last year, MedStar Washington reported delivering $107.2 million in care for which it was not reimbursed. Nationwide, the total amount of uncompensated care provided to the uninsured reached an estimated $56 billion in 2008, according to one study.
<p style="color:rgb(68,68,68);font-size:16px;">Those costs have prompted financially strapped hospitals to rely on a complex system of shifting costs. Most of the burden falls on taxpayers, with the government providing tens of billions of dollars annually to help hospitals care for the uninsured. Privately insured Americans also pay a price as insurers raise premiums to reflect higher charges from hospitals."
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http://www.pantagraph.com/news/national/...f887a.html
Quote:The government should not be able to penalize me over insurance.
It's complete [BAD WORD REMOVED].
why not? they pay hospitals billions of dollars a year for people who have no insurance but receive treatment in emergency rooms...why shouldn't they be able to recover some of the money they paid out?
Quote:The government should not be able to penalize me over insurance.
It's complete [BAD WORD REMOVED].
It's really no different than having to pay for the public school system with your property taxes even if you don't have kids or dont use it.
Sometimes things are done for the greater good.
Quote:It's always been "repeal and replace"...who cares if they keep some of the parts of Obamacare care that might be working? Got anymore nits you wanna pick at?
Exactly. This article is nothing more than democrat click bait. Trump has been consistent in saying repeal and replace. There were always going to be parts that they would retain in any replacement option. This notion that he's not going to deliver on that plan is completely misleading. Congress is already working on the legislation based on past attempts to get the ACA repealed and replaced. Even Ryan has indicated that they will be ready to move the legislation through both houses.
Quote:It's really no different than having to pay for the public school system with your property taxes even if you don't have kids or dont use it.
Sometimes things are done for the greater good.
I don't feel like that's the same thing.
The government has it's hands in too much as it is.
It simply needs to go.
Our system was better before it.
It's plain as day.
Quote:Why not wait a little to see what's in it before freaking out about what might happen? Right now, you're wasting a long of energy over something that hasn't happened yet.
I have been in health insurance hell since January 1. Every little thing that suggests more medication coverage problems will come soon is a legitimate caused for anxiety for someone whose most important drug is coming from Canada.
All i can say is Vote for Michelle next election and ignore the excuses for Trump by Republicans. The excuses get old and a new election is only 3 years and 11 months away. If Obama had hell getting things passed through Congress then let's hope Trump goes through hell as well.
I had to accept that nothing for the African American race would get changed because of the headache changing things for multiple races caused. If people cant agree on a change for everyone then i know they wouldn't give a darn about one race of people. I just hope that the same struggles one party has to accept, the other does as well.
My family was devastated by the changes through no fault of our own.
Luckily, my wife was able to find coverage. Otherwise, it was completely unaffordable for our family under ACA and we risked financial peril being forced to go without coverage.
Before politicians got involved, we could have opted for a reasonable hospitalization only plan.
Those days are long, long gone thanks to incompetent meddling in the system by government.
Quote:The biggest issue for me is that it's a LAW and tied into the IRS. Neither of those should be part of any healthcare system.
We have insurance through my husband's employer and my preexisting condition of anxiety and depression was an issue. I had to be self pay for a year before insurance would cover my shrink visits. I guess if you're not part of the ACA exchange you can still be penalized. Either that or the provision is the insurance company couldn't deny coverage overall but they were not going to cover it for the first year.
It is obvious to anyone who has a pre-existing condition or had coverage dropped for illogical reasons a law is necessary to help control medical expenses. Google "health care bill 2010" or something like that if you don't get it.
Quote:It is obvious to anyone who has a pre-existing condition or had coverage dropped for illogical reasons a law is necessary to help control medical expenses. Google "health care bill 2010" or something like that if you don't get it.
YOU.. of all posters.. Telling someone to Google something?
Hahahahahahahaha Hahahahahaha hahahahahahahahahahahahahahaha
DUUUUUUURRRRRRRRRRRRR
Quote:I have been in health insurance hell since January 1. Every little thing that suggests more medication coverage problems will come soon is a legitimate caused for anxiety for someone whose most important drug is coming from Canada.
That is why it needs to be fixed. You aren't the only person that's having problems. I have a cousin that had been paying her premiums like clockwork, and the company had been paying for her meds and her dr visits when all of a sudden they informed her she didn't have insurance at all, that she hadn't been making payments at year, then promptly sent her a refund check of all the payments she had made that they said she hadn't been making. Crazy.
So it won't be a bad thing to rework the plan a little, don't you think? You might even end up with something I like a whole lot better.