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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I hope the ACA gets shut down. My premiums have been continuously rising to pay for all the subsidized people that are using it. Meanwhile I went for a yearly physical exam and my premiums have more than doubled in the past year. Thankfully this was my last month using a plan on the exchange.[/quote]

It's a good thing we have the ACA or your premiums would be even higher [/quote]

For some people (the sick, those not paying federal taxes) that may be true. For most, including the healthy and the taxpayers, nope -- the actual cost for them is now higher.[/quote]
This is true, but then, if you are saying that we shouldn't help pay for the sick and the not poor enough for medicare people, then are you saying to them "too bad for you.. you're just sol"?

Let's play this out:  a middle income person who can't afford good healthcare (since ACA is no longer available) get sick. Now this person either goes on medicare or ends up in the ER and can't pay.  Who ends up paying?  The taxpayer.

Either way, taxpayers end up footing the bill. I'd rather have people healthier, able to go see the dr. fore preventative care, and be contributing members of society.[/quote]

The argument that the taxpayer pays for the non payers, or even other premium payers, was, and still is, bogus. FYI, the total before ACA was about 3% of the total health care spending. 3% is nothing and easily absorbed when you consider the amount of money spent and the fact the majority of it was in hospitals.

So far I have as yet seen the total of premium tax credits paid and haven't seen a total for government subsidized benefits for those who qualify.

And that middle income example you gave, no Medicare for them. The might qualify for Medicaid though.[/quote]
Middle income people don't qualify for Medicaid! Don't you know that Medicaid is for POOR people, not middle income people? Your income needs to be below $16k or. $18k  (or around there). I'm talking about MODERATE earners - ones who earn too much to have other people subsidize their plans) but not so much that they can afford expensive premiums with high deductibles.

And OF COURSE other taxpayers are indirectly paying for the people getting free or nearly free insurance via their more expensive plans that don't pay for anything. All Obamacare did was shift the burden around.[/quote]

Ok, well, before the internet that kind of ignorance of the facts would be acceptable. The facts you give on Medicaid are wrong. The scenario you set up for moderate earners is wrong. And your last statement was, as a whole, wrong.

As to how it does work that will vary depending on whether a state expanded Medicaid.

As to the premium tax credit, moderate earners are getting the lions share. However, the APTC is somewhat complicated and dependent on household makeup etc.

Here, play with this calculator and you can see examples of how it works.   http://kff.org/interactive/subsidy-calculator/

And where the taxpayers are paying the bill isn't for the uninsured unpaid bills, that's trivial, it's the cost of Medicaid. Which is the ONLY aspect of ACA that is working well.
[/quote]
And you call ME ignorant? You are so wrong on so many aspects that I don't know where to start.

First, you think the middle income earner I used as an example might qualify for Medicaid? Sure, some states expanded it, but in no circumstances does someone even twice the poverty line qualify. Sure, many DCUMers who make so much money think a moderate earner is poor, but a single who makes $50 or $60k - the example I give and to which you suggested Medicsid as a possibility - makes too much for a taxpayer subsidy. (Anything over $47k, and you're too "rich." For any assistance.) You think because she's too rich for a taxpayer subsidy that she might qualify for Medicaid? People do not understand this program at all.

And taxpayers aren't paying the bill for the low-income people who get free or nearly free insurance? Who do you think is paying for it? The poor people who don't pay any taxes? The insurance companies who just "give" low-cost or free policies away? Of course, taxpayers are paying for it in the form of astronomical premiums and tripled premiums. Beyond that, the government has a system in place to compensate the insurance companies in the exchange. (When the government pays for something, it's the taxpayers that are actually paying.)

(And I don't need to okay around with the calculator you supplied. I know exactly how the tax credits work.)[/quote]

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