Anonymous wrote:This disproportionately impacts the red states, so I guess they like shooting themselves in the foot, though those voters probably won't care because their impact won't be truly felt until after the 2018 election.

Anonymous wrote:

Anonymous wrote:Sorry if this was posted but Bannon said at the "Values Summit" that the point of cutting off CSRs was to intentionally blow up the insurance markets (http://talkingpointsmemo.com/edblog/bannon-admits-it)

Craig Garthwaite (a Republican health care economist critical if the ACA) said the same thing on twitter-- doing it two weeks before enrollment means it was intentional sabotage of the insurance markets.

It just boggles my mind that this Administration would be so blinded by its hate of anything Obama-related that it would intentionally hurt Americans who need individual insurance.

What's happening today is perfect strangers are being intentionally hurt by the artificial consequences of Obamacare, which are crazy-high premiums and a mandate that you will give up a bigger and bigger part of your pay check for them.

Stop taking what Trump does personally. For every person you see hurt by him, he's trying to alleviate the "hurt" of another (much as Obama did - I'm going to levy a tax on person A for the benefit of person B).

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

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.

What is the difference? What is the cost sharing subsidy?

OK, I'm back....There are two categories of "taxpayer assistance" with Obamacare, beyond those who get Medicaid (the really poor folks).

1) Premium subsidies. This is the amount that moderate earners (say, $30kish to $48kish) get to offset the cost of the insurance plans, capping their share at 9% of income. So a 58-year-old earning $35,000, for example, might only have to pay $280 for a $680 insurance plan. They qualify for a $400 premium subsidy.

2) Cost-sharing reimbursements. But there's a second category, say....for people earning somewhere in the teens (the point where Medicaid would kick in) and $30k. They still get the premium subsidies, so a person earning $25,000 would only have to pay around $180 for that same $680 plan (9% of income), but they get EXTRA taxpayer subsidies to help with the out-of-pocket costs. An example would be that instead of having to pay the $20 copay for a doctor visit, they would only pay $5.

It is this latter category that a court ruled illegal, and which Trump is stopping. You will till get premium subsidies, the first category. (That's it in a nutshell, and I estimated numbers for examples because the 9% cap is actually slightly more at 9.xx%.)

Op here I'm in the second category so I have lower co pays and lower deductible. So what happens to me now ? I'm most worried about ny premium going up. So far I haven't even used my insurance this year as I'm thankfully healthy.

Well, since everyone assumes that my family can afford the $2,700/month premium AND the 5K deductible AND the co-pay so you can float, I'm not terribly concerned if you pay an extra $15 bucks for an office visit.

Anonymous wrote:

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).

+1 I think Obama's main focus was on the uninsured and very poor. The very wealthy aren't really affected by what happens. It's the middle class worker and small business owner who have been hit by much higher rates.

Anonymous wrote:Sorry if this was posted but Bannon said at the "Values Summit" that the point of cutting off CSRs was to intentionally blow up the insurance markets (http://talkingpointsmemo.com/edblog/bannon-admits-it)

Craig Garthwaite (a Republican health care economist critical if the ACA) said the same thing on twitter-- doing it two weeks before enrollment means it was intentional sabotage of the insurance markets.

It just boggles my mind that this Administration would be so blinded by its hate of anything Obama-related that it would intentionally hurt Americans who need individual insurance.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

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.

What is the difference? What is the cost sharing subsidy?

OK, I'm back....There are two categories of "taxpayer assistance" with Obamacare, beyond those who get Medicaid (the really poor folks).

1) Premium subsidies. This is the amount that moderate earners (say, $30kish to $48kish) get to offset the cost of the insurance plans, capping their share at 9% of income. So a 58-year-old earning $35,000, for example, might only have to pay $280 for a $680 insurance plan. They qualify for a $400 premium subsidy.

2) Cost-sharing reimbursements. But there's a second category, say....for people earning somewhere in the teens (the point where Medicaid would kick in) and $30k. They still get the premium subsidies, so a person earning $25,000 would only have to pay around $180 for that same $680 plan (9% of income), but they get EXTRA taxpayer subsidies to help with the out-of-pocket costs. An example would be that instead of having to pay the $20 copay for a doctor visit, they would only pay $5.

It is this latter category that a court ruled illegal, and which Trump is stopping. You will till get premium subsidies, the first category. (That's it in a nutshell, and I estimated numbers for examples because the 9% cap is actually slightly more at 9.xx%.)

Op here I'm in the second category so I have lower co pays and lower deductible. So what happens to me now ? I'm most worried about ny premium going up. So far I haven't even used my insurance this year as I'm thankfully healthy.

Well, since everyone assumes that my family can afford the $2,700/month premium AND the 5K deductible AND the co-pay so you can float, I'm not terribly concerned if you pay an extra $15 bucks for an office visit.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

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.

What is the difference? What is the cost sharing subsidy?

OK, I'm back....There are two categories of "taxpayer assistance" with Obamacare, beyond those who get Medicaid (the really poor folks).

1) Premium subsidies. This is the amount that moderate earners (say, $30kish to $48kish) get to offset the cost of the insurance plans, capping their share at 9% of income. So a 58-year-old earning $35,000, for example, might only have to pay $280 for a $680 insurance plan. They qualify for a $400 premium subsidy.

2) Cost-sharing reimbursements. But there's a second category, say....for people earning somewhere in the teens (the point where Medicaid would kick in) and $30k. They still get the premium subsidies, so a person earning $25,000 would only have to pay around $180 for that same $680 plan (9% of income), but they get EXTRA taxpayer subsidies to help with the out-of-pocket costs. An example would be that instead of having to pay the $20 copay for a doctor visit, they would only pay $5.

It is this latter category that a court ruled illegal, and which Trump is stopping. You will till get premium subsidies, the first category. (That's it in a nutshell, and I estimated numbers for examples because the 9% cap is actually slightly more at 9.xx%.)

Op here I'm in the second category so I have lower co pays and lower deductible. So what happens to me now ? I'm most worried about ny premium going up. So far I haven't even used my insurance this year as I'm thankfully healthy.

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:

Anonymous wrote:

Anonymous wrote:

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.

What is the difference? What is the cost sharing subsidy?

OK, I'm back....There are two categories of "taxpayer assistance" with Obamacare, beyond those who get Medicaid (the really poor folks).

1) Premium subsidies. This is the amount that moderate earners (say, $30kish to $48kish) get to offset the cost of the insurance plans, capping their share at 9% of income. So a 58-year-old earning $35,000, for example, might only have to pay $280 for a $680 insurance plan. They qualify for a $400 premium subsidy.

2) Cost-sharing reimbursements. But there's a second category, say....for people earning somewhere in the teens (the point where Medicaid would kick in) and $30k. They still get the premium subsidies, so a person earning $25,000 would only have to pay around $180 for that same $680 plan (9% of income), but they get EXTRA taxpayer subsidies to help with the out-of-pocket costs. An example would be that instead of having to pay the $20 copay for a doctor visit, they would only pay $5.

It is this latter category that a court ruled illegal, and which Trump is stopping. You will till get premium subsidies, the first category. (That's it in a nutshell, and I estimated numbers for examples because the 9% cap is actually slightly more at 9.xx%.)

Op here I'm in the second category so I have lower co pays and lower deductible. So what happens to me now ? I'm most worried about ny premium going up. So far I haven't even used my insurance this year as I'm thankfully healthy.

Anonymous wrote:

Anonymous wrote:

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.

What is the difference? What is the cost sharing subsidy?

OK, I'm back....There are two categories of "taxpayer assistance" with Obamacare, beyond those who get Medicaid (the really poor folks).

1) Premium subsidies. This is the amount that moderate earners (say, $30kish to $48kish) get to offset the cost of the insurance plans, capping their share at 9% of income. So a 58-year-old earning $35,000, for example, might only have to pay $280 for a $680 insurance plan. They qualify for a $400 premium subsidy.

2) Cost-sharing reimbursements. But there's a second category, say....for people earning somewhere in the teens (the point where Medicaid would kick in) and $30k. They still get the premium subsidies, so a person earning $25,000 would only have to pay around $180 for that same $680 plan (9% of income), but they get EXTRA taxpayer subsidies to help with the out-of-pocket costs. An example would be that instead of having to pay the $20 copay for a doctor visit, they would only pay $5.

It is this latter category that a court ruled illegal, and which Trump is stopping. You will till get premium subsidies, the first category. (That's it in a nutshell, and I estimated numbers for examples because the 9% cap is actually slightly more at 9.xx%.)

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

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.

What is the difference? What is the cost sharing subsidy?

OK, I'm back....There are two categories of "taxpayer assistance" with Obamacare, beyond those who get Medicaid (the really poor folks).

1) Premium subsidies. This is the amount that moderate earners (say, $30kish to $48kish) get to offset the cost of the insurance plans, capping their share at 9% of income. So a 58-year-old earning $35,000, for example, might only have to pay $280 for a $680 insurance plan. They qualify for a $400 premium subsidy.

2) Cost-sharing reimbursements. But there's a second category, say....for people earning somewhere in the teens (the point where Medicaid would kick in) and $30k. They still get the premium subsidies, so a person earning $25,000 would only have to pay around $180 for that same $680 plan (9% of income), but they get EXTRA taxpayer subsidies to help with the out-of-pocket costs. An example would be that instead of having to pay the $20 copay for a doctor visit, they would only pay $5.

It is this latter category that a court ruled illegal, and which Trump is stopping. You will till get premium subsidies, the first category. (That's it in a nutshell, and I estimated numbers for examples because the 9% cap is actually slightly more at 9.xx%.)

Correct... and when the premiums go up, which they will do because Trump is doing away with #2, #1 subsidy still remains in place, and the net difference of the increae in premiums will be passed on to higher earners in the form of higher premiums for them.

Again, the lower/middle will be fine. It's the middle/upper who will be screwed.

Anonymous wrote:You would have thought that 1,000+ pages of Obamacare would have made it cheaper to process insurance claims, but that's not the case:

"Just processing the insurance forms costs $58 for every patient encounter, according to Dr. Stephen Schimpff, an internist and former CEO of University of Maryland Medical Center." That's just crazy, but next time you go to the doctor, make note of the number of staff they have processing claims, and think of their counterparts at the insurance company.

https://www.thedailybeast.com/how-being-a-doctor-became-the-most-miserable-profession