Guitar Gear Forum

David Lee Broth wrote:

Ron Burgundy wrote:$46k or whatever a year is the cutoff for a single person to get subsidized.



But really for a 40 year old person, $325 a month for insurance shouldn't be breaking the bank. A 40 year old should be able to afford $325 a month for something as important as health insurance.

Great point. $325 a month for a good policy for a 40 year old is reasonable, especially when you factor in the tax credit. For example, my individual policy costs me $63 a month and my employer pays around $425 a month. If I were to lose my job and go into extended unemployment or extended part time work while I got back on my feet there would be no way I could go on the COBRA coverage and pay those premiums myself. Obamacare (Mnsure in my case) would be my only shot at getting insurance in that scenario.

madryan wrote:Want to know something funny?

I was trying to be "Responsible" by having my son double insured when he was born. Had the wifey's group policy as well as an individual policy we purchased ahead of time to cover him that cost about $118 a month.

After a risky pregnancy and 5 days in the hospital, 2 in labor and a C-Section with 3 in recovery, we ended up with enough medical bills left over after the insurance payed its part to push us into bankruptcy. The economy had tanked, I was back in college and our medical bills were something like $2600 a month after we negotiated them.

If I'd been smart I'd have gotten OHP's Healthy Kids program going before he was born and it'd have been 100% covered.

The whole thing was a mess. Tons of stuff got exempted from the max out of pockets and whatnot. The fact that we were double insured didn't help necessarily because one policy covered her and one covered him, etc. The take home point was the insurance companies found every way possible to deny everything they possibly could, and the Hospital, since we had insurance, was billing for everything they possibly could.

The system is utterly broken.

Diddlybo wrote:

David Lee Broth wrote:

Ron Burgundy wrote:$46k or whatever a year is the cutoff for a single person to get subsidized.



But really for a 40 year old person, $325 a month for insurance shouldn't be breaking the bank. A 40 year old should be able to afford $325 a month for something as important as health insurance.

Great point. $325 a month for a good policy for a 40 year old is reasonable, especially when you factor in the tax credit. For example, my individual policy costs me $63 a month and my employer pays around $425 a month. If I were to lose my job and go into extended unemployment or extended part time work while I got back on my feet there would be no way I could go on the COBRA coverage and pay those premiums myself. Obamacare (Mnsure in my case) would be my only shot at getting insurance in that scenario.

That's just it...its not a good policy. IIRC, it was for a policy with a $5000 deductible. The plan was $122 before Obamacare and $325 after. It just doesn't seem to be a good value in my eyes.

And how about the 60 year old with the same shitty ins plan paying nearly $200/mo to help subsidize those who can't pay? If you're a 60 yr old guy making $45K, IMO, you shouldn't have to pay that much for others. This is a burden of assistance which should be transferred to someone with a higher income level.

Just my $.02.

madryan wrote:The policies include all sorts of features that bypass the deductible which allows people to get preventative care. That's new.

madryan wrote:Anything that takes longer than buying a firearm = too long.

ajaxlepinski wrote:

headlessdeadguy wrote:

Ron Burgundy wrote:

headlessdeadguy wrote:

So please explain to me how being forced to pay $227 a week for a policy with a $10000 deductible is a good thing for me?

Is that what Obamacare is going to cost you? Are you above 55 years old or have serious health problems?


If you don't have insurance, what do you normally do to take care of medical issues?

44 year old healthy non-smoker with a wife and three kids. That is the policy offered by my employer.

While I'm for The Affordable Health Care Act, I think it evil that the cost of Health Insurance (employer provided or otherwise) is so high... especially since Insurance Companies glean grotesque profits off the 99%.
If you were unemployed, what would health care, for you and your family, cost under the Affordable Health Care Act?

The Anomaly wrote:For you guys that are paying too much through your employer, have you gone to the exchange and see what is on there?

Millions have signed up and people were getting through on the phone in like 90 seconds, so, don't write it off if you haven't tried it.

soulsurfer wrote:http://www.kaiserhealthnews.org/Stories/2013/October/21/cancellation-notices-health-insurance.aspx

madryan wrote:

soulsurfer wrote:http://www.kaiserhealthnews.org/Stories/2013/October/21/cancellation-notices-health-insurance.aspx

Kaiser has spent more than anyone else on ads spewing misinformation about the ACA. Just sayin...

SuperFlyinMonke wrote:Yay Canada...

I'm really sorry to hear about this. I'm fully aware that I do pay for health care. Though having people be taxed on income and then having them pay for coverage is a total load. If you were to take the hit before getting your income, it would be much more reasonable. You know, like public health care everywhere else.

GuitarBilly wrote:no matter what side you are you gotta give it to Leno... this shit is funny as hell:

http://www.ijreview.com/2013/10/89411-j ... ss-speech/

linthat22 wrote:

The Anomaly wrote:For you guys that are paying too much through your employer, have you gone to the exchange and see what is on there?

Millions have signed up and people were getting through on the phone in like 90 seconds, so, don't write it off if you haven't tried it.

Reference?

The Anomaly wrote:

linthat22 wrote:

The Anomaly wrote:For you guys that are paying too much through your employer, have you gone to the exchange and see what is on there?

Millions have signed up and people were getting through on the phone in like 90 seconds, so, don't write it off if you haven't tried it.

Reference?

Shit, my bad, millions have "shopped", not signed up, so, the website worked for a lot of people.

rear naked wrote:
What does "shopped" mean?

I would say that I "shopped" on healthcare.gov, because I was able to browse plans for my area...but the website still doesn't work for me. I finally was able to create an account, but I am still not able to purchase a plan.