scrappinmama
Pearl Clutcher
Posts: 4,885
Jun 26, 2014 12:54:09 GMT
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Post by scrappinmama on Oct 27, 2016 20:21:51 GMT
I know they type of insurance that my husbands' employer provides has changed since the ACA went into effect. We now have a plan that costs more money on a monthly basis, and more money out of pocket. It sucks. I'm going to be honest. I don't have faith that it will be fixed. Politicians don't want to do what is right for us. They want to do what is right for them. The fact that the Republicans have stood in the way of fixing this, and don't bother to come up with solutions of their own is a perfect example of politicians not giving a damn. And the Democrats are totally innocent in this mess either.
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Post by Darcy Collins on Oct 27, 2016 20:36:23 GMT
These articles saying not to worry about increases as the subsidies will offset it are pissing me off. all that means is taxpayers will be on the hook for hundred of billions of more money or are they going to cut more from Medicare
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Post by Darcy Collins on Oct 27, 2016 20:37:36 GMT
I also forgot the biggest change to private plans for us - the penalty on "Cadillac" plans.
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scrappinghappy
Pearl Clutcher
“I’m late, I’m late for a very important date. No time to say “Hello.” Goodbye. I’m late...."
Posts: 4,306
Jun 26, 2014 19:30:06 GMT
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Post by scrappinghappy on Oct 27, 2016 20:43:36 GMT
Healthcare should not be a for-profit commodity any more than education is or should be. This could start a whole other thread. Education through high school is "free" and then...
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Post by straggler on Oct 27, 2016 21:20:45 GMT
I don't know why anyone is surprised by these increases. We were warned over and over and over again that this would happen. Heck even the people who were instrumental in the design of the ACA said the American people were too stupid to see how this was going to be a train wreck. Don't misunderstand, I am grateful that those who formerly could not get health insurance are able to now have it but I have to tell you that if you are chronically ill and you have a policy with an $8,0000 deductible you are still going to go broke eventually. That deductible hits you every year and unless you are cured or you die the average family cannot stay ahead of those types of medical costs! So there are subsidies, so what? It's still coming out of all of our pockets.
People need to face that fact that we were lied to repeatedly by President Obama. Like your plan, keep your plan, like your doctor, keep your doctor! Families will save an average of $2500 per years on health care costs! He flat out lied and he's still lying to us.
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sassyangel
Drama Llama
Posts: 7,456
Jun 26, 2014 23:58:32 GMT
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Post by sassyangel on Oct 27, 2016 22:49:06 GMT
What happens if they need care though? Where do they go? Are ER's required to take care of them? They often die. Just lost my niece recently because she had no insurance. She was 26 years old. I am so very sorry to hear this. My sincere sympathies.
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sassyangel
Drama Llama
Posts: 7,456
Jun 26, 2014 23:58:32 GMT
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Post by sassyangel on Oct 27, 2016 22:54:25 GMT
You may not be on the exchange, but all plans were impacted by ACA, even employer. Could you (or anyone) explain to me how private plans are impacted by the ACA? I feel like I should understand this but I don't. I know our insurance has gone up approximately 20% a year every year in the last decade except last year, so before and after the ACA. I'm wondering if we should also be preparing for huge rate increases in the future. Thanks in advance. All plans are affected by the ACA. The Affordable Care Act (as well as state mandates) mandates lots of things be covered for employer plans too. Thus increasing the costs of them.
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Post by Sharon on Oct 28, 2016 0:02:19 GMT
Could you (or anyone) explain to me how private plans are impacted by the ACA? I feel like I should understand this but I don't. I know our insurance has gone up approximately 20% a year every year in the last decade except last year, so before and after the ACA. I'm wondering if we should also be preparing for huge rate increases in the future. Thanks in advance. All plans are affected by the ACA. The Affordable Care Act (as well as state mandates) mandates lots of things be covered for employer plans too. Thus increasing the costs of them. I agree. Our plan is going up over 50% next year. They now have to cover things that weren't covered before. I'd rather have the lower premiums and those things not covered. I don't need to pay for everybody's birth control. We paid for our own!
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sassyangel
Drama Llama
Posts: 7,456
Jun 26, 2014 23:58:32 GMT
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Post by sassyangel on Oct 28, 2016 1:05:31 GMT
I also forgot the biggest change to private plans for us - the penalty on "Cadillac" plans. Yes, they penalized those who had good plans. Made it ridiculously expensive for companies to keep them. I never understood the reasoning behind that. I mean, I know I know the reasoning, I just never understood how they thought it would help affordability for everyone.
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sassyangel
Drama Llama
Posts: 7,456
Jun 26, 2014 23:58:32 GMT
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Post by sassyangel on Oct 28, 2016 1:10:40 GMT
All plans are affected by the ACA. The Affordable Care Act (as well as state mandates) mandates lots of things be covered for employer plans too. Thus increasing the costs of them. I agree. Our plan is going up over 50% next year. They now have to cover things that weren't covered before. I'd rather have the lower premiums and those things not covered. I don't need to pay for everybody's birth control. We paid for our own! And not just the federal government. The states are pretty good at bringing in legislation that mandates to increasing coverage benefits, and therefore costs. They can mandate everything down to how much of a drug must be covered, to coinsurance differentials, where there cannot be a difference of say greater than 20% between in and out of network coverage. All these things increase costs to employers.
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