Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:
NO. The Dems tried to help the lower class, and in the process screwed over the middle class. All they did was switch who can afford medical care. Now the lower class get all the free care, and the middle class has to go without.
Define "middle class" because for a family of four with a HHI of $97K, they could get subsidies.
https://www.nerdwallet.com/blog/health/finding-health-insurance/maximum-income-obamcare-premium-assistance/
Also, those in the middle class (and others) who couldn't get insurance due to pre-existing conditions were also helped by ACA.
I'm thinking of middle class as a couple of high school grads, each earning $35,000 for a combined income of $70,000 and living in the DC suburbs. Let's say they're in their 50s and their kids have grown. They are paying around $1500 to $2000 PER MONTH on a take home income of maybe &4500. Not only is that unaffordable, but they likely have to cough up the first $12,000 of expenses before the deductible is met. So....in a bad year...maybe $35,000 total medical expenses on take-home pay of around $55,000. Completely unaffordable. But under Ocare statistics, this couple is counted as "insured" - a success!
As far as your point that some people were helped, I agree. It's just that liberals ignore (or deny) the harm it has causes the middle class who previously were able to afford insurance.
Did you even look at the link? A couple making $50K a year, no kids, would get subsidies. And ACA limits the premium for people making under 400% of the poverty level, which your example falls into. The most they can be charged is 9.69% of income. Is this a real life example? I'm doubting it.
https://www.healthinsurance.org/obamacare/will-you-receive-an-obamacare-premium-subsidy/
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Without robust consumer protection, it is buyer beware. I hope people who choose to buy cheap insurance policies across state lines are willing to spend a lot of time reading all the fine print so they actually know what their cheap policy covers. Will it be there for you if you have a long and expensive illness. Will it cover services that help keep you healthy?
With the ACA the government ensured that all health insurance policies hit a minimum standard.
They won't spend time reading anything. Then when their flimsy plans fail to cover something serious and they find themselves financially ruined, they'll cast the blame elsewhere. I say that unfortunately, this is an area where people need to get exactly what they are asking for.
Umm no. Our insurance provider, United, pulled out of the VA exchanges this year. Our rates dropped 12%.
Your rates would drop because the United book of business merged into a larger underwriting pool. VA has areas with too many options. All should have been 3 insurers and 1 plan or each year 1 insurer for 1 plan and it gets bid out like group insurance. Obama made a rats's nest.
Anonymous wrote:Anonymous wrote:Anonymous wrote:Without robust consumer protection, it is buyer beware. I hope people who choose to buy cheap insurance policies across state lines are willing to spend a lot of time reading all the fine print so they actually know what their cheap policy covers. Will it be there for you if you have a long and expensive illness. Will it cover services that help keep you healthy?
With the ACA the government ensured that all health insurance policies hit a minimum standard.
They won't spend time reading anything. Then when their flimsy plans fail to cover something serious and they find themselves financially ruined, they'll cast the blame elsewhere. I say that unfortunately, this is an area where people need to get exactly what they are asking for.
Umm no. Our insurance provider, United, pulled out of the VA exchanges this year. Our rates dropped 12%.
Anonymous wrote:Anonymous wrote:Anonymous wrote:I think that's a great thing. i want it to collapse.
It was poorly thought out and rammed through. It's been a disaster. No need to throw more money at it. Everywhere this type of government run healthcare is tried, it fails.
Do you know what else was failing, even worse? The healthcare system that preceded the ACA.
That was true for some, not true for others. ACA created an entire new class of "underinsured middle-class Americans." My friend's SIL is a doctor, and he said he saw a big switch in his patient base - many more low income people (getting free care) and much fewer middle income people (who can no longer afford it).
Anonymous wrote:
OK, but she has $12,000. What about the working class couple making $70,000, who can no longer cover their bills now that they have to pay $15,000 in premiums and now can't afford insurance. There are plenty of stories like that too.
The point is that Obama was so eager to give free health insurance to the working poor through expanded Medicaid and cost-sharing subsidies that he caused a lot of lower-middle class people to lose the ability to pay for their own skyrocketing insurance. THEY are the ones who have become the uninsured. There is something wrong with liberal socialist policies when poor people get better care - for free - at the expense of moderate earners who can't afford it for themselves.
Anonymous wrote:also thankful that after she pays $12,000 in expenses the rest of her medical expenses are met, that’s more than the family had before.
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:
Really... you think the millionaire execs were only making this much because of ACA? I have an idea.. why don't you tell Trump and Rs to curb their pay and bring down the cost. Maybe that would help ALL Americans. What do you say to that? I'm all for it. You think Trump will go for it?
Before Obamacare: Health care execs made millions, and the lower middle class could afford a once-a-year vacation.
Under Obamacare: Health care execs still make millions, and the lower middle class can't afford a once-a-year vacation.
See the difference?
I doubt Trump will make things better, but it's weird that liberals can't understand that folks have good reason to be unhappy with their ridiculously crappy with their health care plans under Obamacare.
Are you f*n kidding me? Prior to ACA MILLIONS didn't have insurance. Seriously, what the hell do you think ACA was trying to address. The lower/middle class were being helped by the subsidies, but only if their governor accepted the medicaid expansion. And several red states didn't expand their medicaid program so their lower/middle income people couldn't afford the healthinsurance. Please tell me you knew this part.
I'll say it again: If someone needed to tighten their belt to pay for the poor, it should have been the rich health care execs, not the lower middle class.
And I'll say it again, who do you think will make the CEOs tighten their belt so that everyone could afford health insurance? HINT: it sure hell isn't Trump or the Rs.
Probably not. But we also know for sure it's not the Dems because they did otherwise. They actually had the opportunity, and they chose to screw over the lower middle class instead.
Dems voted for the subsidies. Rs fought against it. Dems wanted to cover millions of uninsured. Rs never put forth any alternative to do this. Who exactly was trying to screw over the lower/middle class in this scenario?
Obamacare is called Obamacare because it's Obama's health care plan. It was passed by Ds and Is in the Senate - no Rs. The Dems own it.
Yes, that's right. Still shows that it was the Dems that tried to help the lower/middle class and not the Rs, which is what was being addressed not "who owns ACA".
The Dems tried to help the lower class at the expense of the middle (WORKING) class, you jackass.
Anonymous wrote:Anonymous wrote:Anonymous wrote:
NO. The Dems tried to help the lower class, and in the process screwed over the middle class. All they did was switch who can afford medical care. Now the lower class get all the free care, and the middle class has to go without.
Define "middle class" because for a family of four with a HHI of $97K, they could get subsidies.
https://www.nerdwallet.com/blog/health/finding-health-insurance/maximum-income-obamcare-premium-assistance/
Also, those in the middle class (and others) who couldn't get insurance due to pre-existing conditions were also helped by ACA.
I'm thinking of middle class as a couple of high school grads, each earning $35,000 for a combined income of $70,000 and living in the DC suburbs. Let's say they're in their 50s and their kids have grown. They are paying around $1500 to $2000 PER MONTH on a take home income of maybe &4500. Not only is that unaffordable, but they likely have to cough up the first $12,000 of expenses before the deductible is met. So....in a bad year...maybe $35,000 total medical expenses on take-home pay of around $55,000. Completely unaffordable. But under Ocare statistics, this couple is counted as "insured" - a success!
As far as your point that some people were helped, I agree. It's just that liberals ignore (or deny) the harm it has causes the middle class who previously were able to afford insurance.
Anonymous wrote:Anonymous wrote:So now that I don't have my subsidy anymore do I still have to have insurance? Without my subsidy my monthly bill is 350. That's a lot of money for me. What about next year.
The liberal media, in trying to make Trump look as bad as possible, has misleading headlines all over the place. The premium insurance subsidies are NOT going away. It's only the cost-sharing subsidies, which were ruled illegal by a court, that are being discontinued. You will continue to get taxpayer assistance to pay for your insurance, just like this year.
Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:Anonymous wrote:
Really... you think the millionaire execs were only making this much because of ACA? I have an idea.. why don't you tell Trump and Rs to curb their pay and bring down the cost. Maybe that would help ALL Americans. What do you say to that? I'm all for it. You think Trump will go for it?
Before Obamacare: Health care execs made millions, and the lower middle class could afford a once-a-year vacation.
Under Obamacare: Health care execs still make millions, and the lower middle class can't afford a once-a-year vacation.
See the difference?
I doubt Trump will make things better, but it's weird that liberals can't understand that folks have good reason to be unhappy with their ridiculously crappy with their health care plans under Obamacare.
Are you f*n kidding me? Prior to ACA MILLIONS didn't have insurance. Seriously, what the hell do you think ACA was trying to address. The lower/middle class were being helped by the subsidies, but only if their governor accepted the medicaid expansion. And several red states didn't expand their medicaid program so their lower/middle income people couldn't afford the healthinsurance. Please tell me you knew this part.
I'll say it again: If someone needed to tighten their belt to pay for the poor, it should have been the rich health care execs, not the lower middle class.
And I'll say it again, who do you think will make the CEOs tighten their belt so that everyone could afford health insurance? HINT: it sure hell isn't Trump or the Rs.
Probably not. But we also know for sure it's not the Dems because they did otherwise. They actually had the opportunity, and they chose to screw over the lower middle class instead.
Dems voted for the subsidies. Rs fought against it. Dems wanted to cover millions of uninsured. Rs never put forth any alternative to do this. Who exactly was trying to screw over the lower/middle class in this scenario?
Obamacare is called Obamacare because it's Obama's health care plan. It was passed by Ds and Is in the Senate - no Rs. The Dems own it.
Yes, that's right. Still shows that it was the Dems that tried to help the lower/middle class and not the Rs, which is what was being addressed not "who owns ACA".
NO. The Dems tried to help the lower class, and in the process screwed over the middle class. All they did was switch who can afford medical care. Now the lower class get all the free care, and the middle class has to go without.
Define "middle class" because for a family of four with a HHI of $97K, they could get subsidies.
https://www.nerdwallet.com/blog/health/finding-health-insurance/maximum-income-obamcare-premium-assistance/
Also, those in the middle class (and others) who couldn't get insurance due to pre-existing conditions were also helped by ACA.
I'm thinking of middle class as a couple of high school grads, each earning $35,000 for a combined income of $70,000 and living in the DC suburbs. Let's say they're in their 50s and their kids have grown. They are paying around $1500 to $2000 PER MONTH on a take home income of maybe &4500. Not only is that unaffordable, but they likely have to cough up the first $12,000 of expenses before the deductible is met. So....in a bad year...maybe $35,000 total medical expenses on take-home pay of around $55,000. Completely unaffordable. But under Ocare statistics, this couple is counted as "insured" - a success!
As far as your point that some people were helped, I agree. It's just that liberals ignore (or deny) the harm it has causes the middle class who previously were able to afford insurance.
Yea but the mother of that family got cancer in her 20s and is just thankful to have any coverage. At least they stand a chance of not losing their house, again, should she have a reoccurrence. She is also thankful that after she pays $12,000 in expenses the rest of her medical expenses are met, that’s more than the family had before.
Anonymous wrote:So now that I don't have my subsidy anymore do I still have to have insurance? Without my subsidy my monthly bill is 350. That's a lot of money for me. What about next year.