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Post by Deleted on Feb 10, 2018 17:09:13 GMT
This thread needs to be renamed. The topic is NK, but people are talking about the ACA. I'm curious. Under what circumstances did your healthcare go as you say "from bad and unaffordable, to good and affordable"? Without revealing any PHI (Protected Health Information), what is your story and/or situation?
I appreciate your curiosity. If I remember correctly, between 2005 and 2010 my medical insurance went through the roof. I was paying about $200 a month for insurance. And then it quickly --- over the course of I think about 3 years --- went to $1,000 a month !!! At the time I was only making between 12 and 15 thousand dollars a year. So, $1,000 a month was impossible. But then ObamaCare went into affect, and my premium went down to about $200 a month. And the medical coverage was superior to what was being offered before ObamaCare at $1,000 a month. I was hesitant to respond because our comments are way off-topic, but your story seems pretty general in its terms and seems to be an exception to what most people experienced. Did you work at a company that offered health insurance or were you self employed? How many dependents? Any high risk factors? I've heard stories of people (mostly self insured) where their premium went up significantly in the time right after the ACA went into effect, but yours went up 500% beforehand? And your coverage was better afterward? Specifically, how so?
My health insurance costs did go up gradually in the 2000's as plans transferred more financial responsibility to the employees (higher co-pays and higher deductibles for example). This peaked after the ACA was implemented, although I was never enrolled in it. I was just affected by the employers/insurance companies having to conform to the regulations imposed by the ACA. I understand that if you are making only 12 to 15 thousand dollars a year, any health insurance is going to be financially burdensome. I'm not saying your personal story isn't true. Perhaps, low income earners (12-15 is considered poverty for a single person) did see some positive change, but likely, most of these people weren't even paying for health insurance prior to the ACA anyway.
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Post by movieliker on Feb 10, 2018 19:00:41 GMT
I appreciate your curiosity. If I remember correctly, between 2005 and 2010 my medical insurance went through the roof. I was paying about $200 a month for insurance. And then it quickly --- over the course of I think about 3 years --- went to $1,000 a month !!! At the time I was only making between 12 and 15 thousand dollars a year. So, $1,000 a month was impossible. But then ObamaCare went into affect, and my premium went down to about $200 a month. And the medical coverage was superior to what was being offered before ObamaCare at $1,000 a month. I was hesitant to respond because our comments are way off-topic, but your story seems pretty general in its terms and seems to be an exception to what most people experienced. Did you work at a company that offered health insurance or were you self employed? How many dependents? Any high risk factors? I've heard stories of people (mostly self insured) where their premium went up significantly in the time right after the ACA went into effect, but yours went up 500% beforehand? And your coverage was better afterward? Specifically, how so?
My health insurance costs did go up gradually in the 2000's as plans transferred more financial responsibility to the employees (higher co-pays and higher deductibles for example). This peaked after the ACA was implemented, although I was never enrolled in it. I was just affected by the employers/insurance companies having to conform to the regulations imposed by the ACA. I understand that if you are making only 12 to 15 thousand dollars a year, any health insurance is going to be financially burdensome. I'm not saying your personal story isn't true. Perhaps, low income earners (12-15 is considered poverty for a single person) did see some positive change, but likely, most of these people weren't even paying for health insurance prior to the ACA anyway.
Don't worry about the topic. This happens a lot here. Just like a real conversation. It starts on one topic and morphs into another. (Don't worry, we won't be penalized, punished or admonished in any way. All boards don't care what we talk about. Especially if it is interesting and topical. This is a natural occurrence when conversing.) I was, and still am self employed with no dependents. When ObamaCare first came out, the minimum you had to make was 12 thousand a year. But since then, they have raised it to 16 thousand a year. So I don't qualify anymore. So I am on Medicaid. I guess because Obama expanded it. I know ObamaCare didn't improve everybody's situation. I personally know people whose healthcare got more expensive because of ObamaCare. Generally, ObamaCare helped poor and sick people. And it hurt rich and healthy people. Most middle and upper class people benefit from the lower working class. The low class does all the bottom level and menial work for them. From direct employ to providing services to the public in general (think grocery store worker, fast food worker, most construction workers, etc. As a matter of fact, the only low class workers who really make any money are those who have unionized. ). The economy would collapse without the low wage worker. So, if it can be afforded, the low class ought to be promised some kind of health care. I know a lot of middle and upper class people who say they cannot afford this health care increase. But compared to the standard of living most low class workers endure, the sacrifice most middle and upper classes will have to make is just a matter of luxury. Because the things most middle and upper classes take for granted are luxuries the lower class cannot afford. I am not for income redistribution. The poor should not be made rich. And the rich should not be made poor. But the lives of the members of a poor working family should be more important than a bigger house, a second car, or in the case of the super rich --- a second yacht or a third mansion. |
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