Anonymous wrote:

Anonymous wrote:

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Anonymous wrote:Wait…are you saying that Obama’s signature legislation, the Affordable Care Act, is actually not affordable and requires massive taxpayer funded subsidies to stay afloat!?! Who would have thought?!? The Great Divider Messiah could actually be wrong. Wow

Troll harder, Comrade.

Smart people understand that the Affordable Care Act was completely gutted by sniveling Republican morons.

Exactly.

For the math to work, coverage can’t be optional.

It actually works better if optional. High Risk people in past pre ACA just had no healthcare. Near me back then a lot of hospitals closed Emergency rooms as they have to accept patents regardless of insurance. Hence since insurance was risk based and insurance companies could drop you it was more like Car insurance where better drivers with no claims paid less.

Now that is not fair as we all get sick, old, have accidents and at some point all of us will be high risk. But from a cold hard actuary standpoint with no compassion, you only got low rates if young, healthy with no claims in your history.

Anonymous wrote:

Anonymous wrote:Wait…are you saying that Obama’s signature legislation, the Affordable Care Act, is actually not affordable and requires massive taxpayer funded subsidies to stay afloat!?! Who would have thought?!? The Great Divider Messiah could actually be wrong. Wow

Yeah, we did NOT get what Obama really wanted as the R in congress worked as hard as possible to ensure that. Had we gotten actual Universal Healthcare, pricing would have dropped as well, because costs would drop.

But the fact that I can go get a mammogram. The facility charges $900. If I have good insurance, the negotiated rate is $200, but if not it can range anywhere from $200 up to the $900. UHC would bring us the following:
Procedure X is $A in Region 1, $B in Region 2, $C in region 3, etc. Everyone gets the same negotiated rate for their area. If you have insurance it's filed with them, if not, then that's the cash rate if you pay that day. (but with UHC everyone would have insurance). Right now, the cash person has to negotiate and hope for a lower rate than $900. They should be entitled to $200 (or less since they are paying cash upfront and the company does not have to deal with billing insurance and waiting 3 months for payment).

Many of us just want High deductible insurance for true emergencies and Negotiated rates for everything else. I'd self insure if I could get that. And most years nothing would be paid for by insurance.

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Anonymous wrote:We are retired and pay about $5350/mo for the 4. Up from $4900 last year but down from a few years ago when it was $5500. PPO and it sucks

Wow. What percentage of your income is it as a retiree?

Now I understand why people are saying $1 million retirement is nothing.

How do people will less than a million in retirement live? Wow

They are very wealthy if they have minor kids and retired.

Yes, we are very wealthy. It’s still a lot of money but we can afford it.

But it shouldn't cost that much for healthcare in our 50s and 60s. The sheer fact that my healthcare goes from $500/month for family (employee, spouse and all the kids you want) to $3K for medical only if I want to buy a plan when I'm retired and not 65 is ridiculous (and that plan is only medical and has $8K/18K+ deductibles).

Medicare also should NOT cost $2K+ for a couple over 65 for ONLY medical just because they saved for retirement and saved. When in reality those people are the ones who have funded medicare for 1000s of people. We need a new system, one without all the insurance companies, one where people are not making 5-10M+ for managing a health care company. Do universal HC and we don't need 75-80% of those involved in health insurance now. Costs would go down, and the actual nurses and doctors could get paid more

Your healthcare was never 500 a month. Your employer paid the rest. I pay a family plan for 4 and pay both the employee and employer payments and that is 3800 a month.

There are lots of problems with the healthcare system in this country, but one that doesn't get talked about enough is that many/most? people have no idea what their employer-provided health insurance actually costs.

I'd hate the extra tax bite, but I'd actually be in favor of health insurance premiums paid by an employer being taxable to the participants. It's really just another type of income, after all. That way, people would actually be forced to know the cost.

Anonymous wrote:On a side note me included people are getting married late in life, have kids later in life and men marry women younger then they are.

Meaning when an average man turns 65 his wife will not be 65. So if he quits he had a very high insurance premium even if he is covered by Medicare.

Also when I was young my Mom did have a Fortune 500 job and her policy kicked kids off policy at 18 unless in College. And even if in college was something like 21 or 22 they kicked you off. Today it is 26.

When I turn 65 my wife will be 62 and my youngest will still be in college on my medical plan. My youngest plans to do grad school so will graduate when I am 68. My wife does not turn 65 till I am 67.5.

I will try to work till 67. Maybe a few months COBRA til wife hits 65 and buy kid a cheap college medical plan til she gets a job.

It is not just cost. It is quality of plan. Most people who work at a Fortune 500 company with Medical, Dental and Vision heavily subsidzed do not realize what is it like in real life once they retire in particular if before 65.

And I have two friends with second marriages. My one friend 63 with a 52 year old SAHM wife and a 6, 10 and 12 year old at home and he has heart problems. By time wife eligible for Medicare he will be 74. His youngest graduates college when he is 77.

In Europe he be fine. In the USA he has issues.

Anonymous wrote:

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Anonymous wrote:

Anonymous wrote:We are retired and pay about $5350/mo for the 4. Up from $4900 last year but down from a few years ago when it was $5500. PPO and it sucks

Wow. What percentage of your income is it as a retiree?

Now I understand why people are saying $1 million retirement is nothing.

How do people will less than a million in retirement live? Wow

They are very wealthy if they have minor kids and retired.

Yes, we are very wealthy. It’s still a lot of money but we can afford it.

But it shouldn't cost that much for healthcare in our 50s and 60s. The sheer fact that my healthcare goes from $500/month for family (employee, spouse and all the kids you want) to $3K for medical only if I want to buy a plan when I'm retired and not 65 is ridiculous (and that plan is only medical and has $8K/18K+ deductibles).

Medicare also should NOT cost $2K+ for a couple over 65 for ONLY medical just because they saved for retirement and saved. When in reality those people are the ones who have funded medicare for 1000s of people. We need a new system, one without all the insurance companies, one where people are not making 5-10M+ for managing a health care company. Do universal HC and we don't need 75-80% of those involved in health insurance now. Costs would go down, and the actual nurses and doctors could get paid more

Your healthcare was never 500 a month. Your employer paid the rest. I pay a family plan for 4 and pay both the employee and employer payments and that is 3800 a month.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Wait…are you saying that Obama’s signature legislation, the Affordable Care Act, is actually not affordable and requires massive taxpayer funded subsidies to stay afloat!?! Who would have thought?!? The Great Divider Messiah could actually be wrong. Wow

Troll harder, Comrade.

Smart people understand that the Affordable Care Act was completely gutted by sniveling Republican morons.

Exactly.

For the math to work, coverage can’t be optional.

Anonymous wrote:

Anonymous wrote:Wait…are you saying that Obama’s signature legislation, the Affordable Care Act, is actually not affordable and requires massive taxpayer funded subsidies to stay afloat!?! Who would have thought?!? The Great Divider Messiah could actually be wrong. Wow

Troll harder, Comrade.

Smart people understand that the Affordable Care Act was completely gutted by sniveling Republican morons.

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Anonymous wrote:We are retired and pay about $5350/mo for the 4. Up from $4900 last year but down from a few years ago when it was $5500. PPO and it sucks

Seriously? Well I think it’s completely crazy not to have health care… but there is an inflection point, and you are certainly at it.

Yes seriously. But we knew going into retirement that this was the cost if we wanted a ppo.

This is clearly an early retirement, with 2 dependents to still cover. It's a choice.

Yes, it is obviously a choice. But someone with enough to pay for an early retirement, spare the major medical costs, should not be stuck working until 65+ simply because they need healthcare. We should join the rest of the civilized world and have affordable healthcare. Healthcare at age 60 for just 2 adults should not cost $3-4K/month for a crappy plan with a $9K/$18K deductible.

Insurance costs are shared with employers. No employer you pay full cost.

Anonymous wrote:Wait…are you saying that Obama’s signature legislation, the Affordable Care Act, is actually not affordable and requires massive taxpayer funded subsidies to stay afloat!?! Who would have thought?!? The Great Divider Messiah could actually be wrong. Wow

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We are retired and pay about $5350/mo for the 4. Up from $4900 last year but down from a few years ago when it was $5500. PPO and it sucks

Seriously? Well I think it’s completely crazy not to have health care… but there is an inflection point, and you are certainly at it.

Yes seriously. But we knew going into retirement that this was the cost if we wanted a ppo.

This is clearly an early retirement, with 2 dependents to still cover. It's a choice.

Yes, it is obviously a choice. But someone with enough to pay for an early retirement, spare the major medical costs, should not be stuck working until 65+ simply because they need healthcare. We should join the rest of the civilized world and have affordable healthcare. Healthcare at age 60 for just 2 adults should not cost $3-4K/month for a crappy plan with a $9K/$18K deductible.

Anonymous wrote:Wait…are you saying that Obama’s signature legislation, the Affordable Care Act, is actually not affordable and requires massive taxpayer funded subsidies to stay afloat!?! Who would have thought?!? The Great Divider Messiah could actually be wrong. Wow

Anonymous wrote:

Anonymous wrote:I love the MAGA morons claims that GLP is driving health insurance up and not their stupid policies.

It is neither glp-1 nor maga. Prices went up.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:We are retired and pay about $5350/mo for the 4. Up from $4900 last year but down from a few years ago when it was $5500. PPO and it sucks

Seriously? Well I think it’s completely crazy not to have health care… but there is an inflection point, and you are certainly at it.

Yes seriously. But we knew going into retirement that this was the cost if we wanted a ppo.

This is clearly an early retirement, with 2 dependents to still cover. It's a choice.