Pages

 

Recent Pages by Rightwingconspirator:
Russia's New Combat Robots Blown Up by Drones Near Avdiivka Climate Scientist Michael Mann Wins Defamation Case Against Right Wing Hacks About That Flood Warning for Los Angeles? Coastal Serenity The Six Fingered Con Man

Jump to bottom

24 comments

1 dog philosopher  Mon, Oct 28, 2013 6:12:45pm

fortunately individual policies are estimated to make up only 4% of total health insurance policies - the rest are group policies from work

2 Political Atheist  Mon, Oct 28, 2013 6:16:12pm

re: #1 dog philosopher

Fortunately? Maybe not. Maybe if the % were larger the ACA would have done a better job for individuals.
Well this just angers me. Individuals get screwed. They are not a bigger risk than a person of the same age and health in a group. Why do we individuals have to carry the unfair burden in the ACA?!

A major portion of the previously uninsured are going to be on individual plans.

3 lawhawk  Mon, Oct 28, 2013 6:28:20pm

re: #2 Political Atheist

80% of Americans get coverages through their employment. The ACA is meant to reduce the percentage who are not covered in that fashion - or aren’t eligible for Medicare, Medicaid, or S-CHIP.

But here’s the thing about those cancellation policies - they’re because the former policies weren’t meeting the new minimum standards for coverage. They’re far more comprehensive than the older policies - preventative care, mammograms, etc.

The cancellation notices are also misleading since these folks will likely still be able to get the same doctors and get policies through their current insurers, but the plan will be different than the old one.

Will it be more expensive? That may happen in some instances, but in others it may be less due to the subsidies. People will also be getting more comprehensive coverage, which doesn’t sound like much until you actually need it - the whole point of the insurance in the first place.

Moreover, critics are acting as though employers stuck with a single insurer and/or policy type and never switched them. They do. All the time. They change insurers, which necessarily changes coverages and participating doctors.

Heck, you can have employers who keep everything the same and the insurer decides that hospital X is no longer a participating hospital. If it happens to be your hospital, you’re out of luck as it now becomes out-of-network and more expensive than it did before the change.

4 Political Atheist  Mon, Oct 28, 2013 6:30:39pm

re: #3 lawhawk

I would think this will sort out and you make that point well. What is still hanging out there in the wind is squaring the promise Obama made and the cancellations. These two things do not agree.

5 Political Atheist  Mon, Oct 28, 2013 6:39:19pm

BTW people Individuals already pay far more than most. Now we individuals will have to eat the worst of the sticker shock premium increases. Ouch squared.

6 Skip Intro  Mon, Oct 28, 2013 6:41:18pm

re: #2 Political Atheist

Fortunately? Maybe not. Maybe if the % were larger the ACA would have done a better job for individuals.
Well this just angers me. Individuals get screwed. They are not a bigger risk than a person of the same age and health in a group. Why do we individuals have to carry the unfair burden in the ACA?!

A major portion of the previously uninsured are going to be on individual plans.

As a person who has been buying his own private health insurance for decades now I’d like to point out that people like me have always been getting screwed.

First, unlike a business, we can’t deduct the premiums we pay from our taxes until they exceed 7.5% of some line on the 1040.

Second, every “free” new benefit that gets passed into law raises the cost of our insurance. People with employer-paid policies never see that.

Third, once you buy a policy you have it for life, or at least until Medicare. No shopping around later for a better deal, because by then you’ve got at least one pre-existing condition that will get you denied everywhere you apply.

I was really looking forward to the ACA so I could finally get a different policy and save some money. With the screw up of the rollout, and the uncertainty of the future of the ACA should the GOP regain the Senate, I guess I’ll just stay where I am and hope I don’t get priced out.

7 Political Atheist  Mon, Oct 28, 2013 6:59:25pm

re: #6 Skip Intro

Here is what I forecast. We as individuals will have to take this one. Suck it up, support the President despite the glitches and costs. This sea change in our society should not be expected to be easy. This one I think hits the middle class hard, as even group rates will climb with the cost of pre existing conditions and the funds from the young have not yet accrued. The subsidies will help the poor. Us middle class earners eat this one. Those of us with high medical insurance bills will be less able to buy houses, put kids in college and invest in our own retirement funds. That’s the cost of change.

So now when I hear calls from some for even higher taxes and increased spending leave me out I paid at the ACA.

8 Killgore Trout  Mon, Oct 28, 2013 7:03:52pm

Of course. This was the worst kept secret in the world. and all the fact checkers agreed, it shouldn’t surprise anyone.
“If you’re one of the more than 250 million Americans who already have health insurance, you will keep your health insurance.”

I’ll also call out NBC for bullshit on the headline “Obama admin. knew millions could not keep their health insurance”. Of course they knew. NBC knew as well. I think it’s disingenuous to pretend this is some sort of new revelation.

9 bubba zanetti  Tue, Oct 29, 2013 11:51:38am

re: #3 lawhawk

The cancellation notices are also misleading since these folks will likely still be able to get the same doctors and get policies through their current insurers, but the plan will be different than the old one.

This.

I got one of these ‘cancellation’ notices. My coverage is not getting cancelled - my policy is getting cancelled and replaced with one that is ACA compliant. Unless I choose another plan, I will automatically be enrolled in a similar plan to my old one.

10 Decatur Deb  Tue, Oct 29, 2013 6:09:37pm

re: #5 Political Atheist

BTW people Individuals already pay far more than most. Now we individuals will have to eat the worst of the sticker shock premium increases. Ouch squared.

If your insurance was ‘real’, met the minimum standard, you can keep it. Those who are losing their old policies had junk policies.

11 Decatur Deb  Tue, Oct 29, 2013 6:11:44pm

re: #9 bubba zanetti

This.

I got one of these ‘cancellation’ notices. My coverage is not getting cancelled - my policy is getting cancelled and replaced with one that is ACA compliant. Unless I choose another plan, I will automatically be enrolled in a similar plan to my old one.

Bless you. Most individuals will do better with kosher policies, usually with advance tax breaks that can be applied pro rata if they choose.

12 Political Atheist  Tue, Oct 29, 2013 6:43:30pm

re: #9 bubba zanetti

re: #10 Decatur Deb

True, yet rather beside the point. The President over promised the compatibility of the ACA with the policies of the day. Despite adequate data to the contrary. Yes, all this will be sorted out, and please note my #7 in continuing to support the President in the ACA. I think we can afford to admit where he was wrong. That’s part of deploying the ACA. We admit the mistakes as we work with the positive, and adjust the negative.

13 Decatur Deb  Tue, Oct 29, 2013 7:03:27pm

re: #12 Political Atheist

True, yet rather beside the point. The President over promised the compatibility of the ACA with the policies of the day. Despite adequate data to the contrary. Yes, all this will be sorted out, and please note my #7 in continuing to support the President in the ACA. I think we can afford to admit where he was wrong. That’s part of deploying the ACA. We admit the mistakes as we work with the positive, and adjust the negative.

You can make up a better presidential answer if you think of 3 insurance situations instead of 2. There are the ‘insured’ who keep their policies and have no tax penalty. There are the ‘uninsured’, those who had no policies and were to be either pushed into buying it or excepted. It looks like now we are finding out about the ‘semi-insured’, people who paid for inadequate coverage (often to their sad surprise). There is no way to make this kind of ‘nuanced’ answer in a press conference.

15 Varek Raith  Wed, Oct 30, 2013 1:02:42am

Also,

Sabyen91
• 7 hours ago −

If you lose your coverage due to Obamacare your coverage wasn’t worth the money you were paying.

17 AntonSirius  Wed, Oct 30, 2013 5:15:04am

re: #2 Political Atheist

Fortunately? Individuals get screwed.

Oh please. If an individual plan isn’t making the cut for the ACA, it in all likelihood sucked donkey balls. The standards aren’t that onerous.

The majority of the anecdotal evidence I’ve seen so far from people forced to find new plans has resulted in them finding better plans for a comparable price or even cheaper, depending on what state they’re in.

18 Political Atheist  Wed, Oct 30, 2013 6:12:44am

re: #17 AntonSirius

Kaiser’s Obamacare rates surprise analysts
Kaiser Permanente has offered some of the highest rates in the California health exchanges next year. It denies that it is doing so to avoid treating many of the sickest newly insured patients.
June 12, 2013|By Chad Terhune

19 bubba zanetti  Wed, Oct 30, 2013 7:54:59am

re: #17 AntonSirius

Oh please. If an individual plan isn’t making the cut for the ACA, it in all likelihood sucked donkey balls. The standards aren’t that onerous.
.

My cancelled policy was pretty lousy, but better than nothing. It was also the only policy we could get because my wife has a pre-existing condition. The only reason we were even able to get this one is because we found someone on the phone who was able to coach us through what to write on the forms to explain away the pre-existing condition.

I’m certainly not getting ‘screwed’. At least now I’ll be able to pick from a bunch of policies.

20 Skip Intro  Wed, Oct 30, 2013 10:27:53am

After wading through the verbage of my existing grandfathered policy, and comparing it with a better plan - Platinum - I’d end up paying around $30 more per month. Of course, I don’t know what my current plans rate will be next year, so the Platinum one could actually end up being cheaper.

The big problem I’m having is trying to make comparisons between the new and current plan. There’s still a big bug in the Covered CA system about that.

21 Political Atheist  Wed, Oct 30, 2013 12:18:10pm

re: #14 Varek Raith

Right-Wing Media Pick Up Health Insurance “Cancellation” Story NBC Has Walked Back

Not fair dude. from your link

MYERS: That’s correct. Some of them actually use the word cancellation, others use the word termination or saying it’s being replaced.

22 klys  Wed, Oct 30, 2013 12:53:48pm

re: #7 Political Atheist

Here is what I forecast. We as individuals will have to take this one. Suck it up, support the President despite the glitches and costs. This sea change in our society should not be expected to be easy. This one I think hits the middle class hard, as even group rates will climb with the cost of pre existing conditions and the funds from the young have not yet accrued. The subsidies will help the poor. Us middle class earners eat this one. Those of us with high medical insurance bills will be less able to buy houses, put kids in college and invest in our own retirement funds. That’s the cost of change.

So now when I hear calls from some for even higher taxes and increased spending leave me out I paid at the ACA.

Did you intend for that to read that we should continue government spending at the sequester levels and never raise taxes on anyone (because taxes in the US are so high to start with compared to most other Western democracies) because your health insurance premiums went up slightly to provide a significantly better plan with useful things like yearly out-of-pocket caps and elimination of pre-existing conditions?

23 Political Atheist  Wed, Oct 30, 2013 12:59:35pm

No I mean without the sequester. We just had a major tax increase. When I said leave me out, I mean look at another tax bracket. I’m tapped.

24 Political Atheist  Wed, Oct 30, 2013 2:37:02pm

re: #15 Varek Raith

Also,

Not necessarily so at all. Even a small change in the copay and the grandfather clause does not apply.


This page has been archived.
Comments are closed.

Jump to top

Create a PageThis is the LGF Pages posting bookmarklet. To use it, drag this button to your browser's bookmark bar, and title it 'LGF Pages' (or whatever you like). Then browse to a site you want to post, select some text on the page to use for a quote, click the bookmarklet, and the Pages posting window will appear with the title, text, and any embedded video or audio files already filled in, ready to go.
Or... you can just click this button to open the Pages posting window right away.
Last updated: 2023-04-04 11:11 am PDT LGF User's Guide RSS Feeds

Help support Little Green Footballs!

Subscribe now for ad-free access!Register and sign in to a free LGF account before subscribing, and your ad-free access will be automatically enabled.

Donate with
PayPal Cash.app
Recent PagesClick to refresh
The Pandemic Cost 7 Million Lives, but Talks to Prevent a Repeat Stall In late 2021, as the world reeled from the arrival of the highly contagious omicron variant of the coronavirus, representatives of almost 200 countries met - some online, some in-person in Geneva - hoping to forestall a future worldwide ...
Cheechako
3 days ago
Views: 114 • Comments: 0 • Rating: 1
Texas County at Center of Border Fight Is Overwhelmed by Migrant Deaths EAGLE PASS, Tex. - The undertaker lighted a cigarette and held it between his latex-gloved fingers as he stood over the bloated body bag lying in the bed of his battered pickup truck. The woman had been fished out ...
Cheechako
2 weeks ago
Views: 273 • Comments: 0 • Rating: 1