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+--- Thread: Just checked out our health insurance exchange for rates (/showthread.php?tid=158406)
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Just checked out our health insurance exchange for rates - Speedy - 10-01-2013
It is really, really hard to compare plans given co-pays and deductibles.
For me, age 63, wife, age 59, son, age 21, all covered under my wife's work plan so no exchange for us. We have a $500 deductible per person, $1500 per family, so we pay $500 each for the three of us. We pay $425 per month, her employer claims to pay an additional $1166 per month. Family taxable income last year was $80k (I was retired all year, son is a deadbeat college student.) No co-pays except for $10 per prescription unless the Rx is less than $10. So, essentially we pay the first $500 each year (not counting preventative care like immunizations or physicals where the insurance pays 100% from day one.) We have rarely gone over $500 per person each year, knock on wood, so we are a net supporter of others; not so for our daughter:
Our daughter, age 23, goes from $351/month to zero on medical assistance and will until she makes $31, 597. She was dropped from our family plan before ObamaCare was put into place and after she turned 19. She has medical expenses, including prescriptions, in excess of $25k per year because she has a kidney transplant. She will always 'income qualify' for medical assistance due to developmental disabilities.
Under the exchange, for a platinum plan, we would pay ~$600/month. We would not qualify for a subsidy. Note that this is an estimate based on a sample plan, not an actual quote which will not be available until later today, if then given how hard the website will be getting hit.
Re: Just checked out our health insurance exchange for rates - mattkime - 10-01-2013
you have good health insurance.
Re: Just checked out our health insurance exchange for rates - Speedy - 10-01-2013
Our premium went up about $100 a month over last year when our out of pocket was only $300. Damn ObamaCare.
But because my wife's employer is self-insured, if costs are below expectation the company will skip collecting premiums at the end of the year. This has happened only a couple of times in the last twenty years.
Edit: it went up only $25 a month and our out of pocket did not go up. I was going from memory (of the good old days) which in my case is highly unreliable. Once my wife got up I could check her computer files for the actual numbers. Still, damn ObamaCare.
Re: Just checked out our health insurance exchange for rates - Manlove - 10-01-2013
"Still, damn ObamaCare."
miley-score010:
Re: Just checked out our health insurance exchange for rates - haikuman - 10-01-2013
Fact or fiction . . . I'm still learning *(:>*
http://finance.yahoo.com/blogs/daily-ticker/obamacare-separating-truth-fiction-know-121733560.html
Obamacare: Separating Truth from Fiction – Here’s What You Need to Know
By Bernice Napach | Daily Ticker – 1 hour 18 minutes ago
Starting today individuals can sign up for health care insurance by way of the exchanges created under the Affordable Care Act. So far seventeen states and the District of Columbia have set up their own exchanges, also known as insurance marketplaces; the rest will use either the federal health insurance exchange or run a joint state-federal exchange to provide coverage.
Related: Gullible Americans Fuel Obamacare's Bad Rap
It's been a bumpy ride so far, given the complexity of the effort and the politics surrounding it. Many Republican Congressional members are hell-bent on defunding Obamacare even though it's law and the Supreme Court reaffirmed its constitutionality. They won't agree to continue funding the government unless Obamacare is defunded or delayed by a year. And Democrats -- in Congress and the White House -- are firmly committed to just the opposite: implementing Obamacare.
That leaves us where we are today: a government that is partially shut down and lots of confusion about coverage under the ACA.
Lori Robertson, managing director of Factcheck.org, spoke with The Daily Ticker's Aaron Task, about some of the major misrepresentations surrounding Obamacare, as you'll see in the video above. We'll try to help set the record straight so read on:
Myth #1: Health Care Premiums are Rising.
Robertson says whether health care premiums are rising or falling for individuals depends on their particular situation. "Whether your new plan on the exchanges...is going to be more or less what you're paying now really depends on you," says Robertson. "If you have a health condition you may see a decrease. If you don't, you may see an increase."
You health insurance premium will also depend where you buy your insurance--including the state and locality--your age and your income. (At certain income levels, participants in so-called "silver" plans--the second cheapest--can qualify for government subsidies, which would reduce costs.)
Myth #2: Obamacare is Killing Jobs.
Robertson says there's little evidence that Obamacare is a job killer. "The CBO has estimated it will have a small impact on jobs and ...mainly from workers choosing to work less," says Robertson. She explains that some people may reduce their working hours because they no longer need a second or third job to pay insurance premiums, while others may choose to retire early knowing they can't be denied coverage due to pre-existing conditions.
Myth #3: You Can't Choose Your Own Doctor Under Obamacare.
Not true, says Robertson. "There's nothing in the law that's going to pick your doctor for you," says Robertson. But she notes that "some exchanges may have a small provider network," so if you choose such a plan you may have to choose a new doctor.
Re: Just checked out our health insurance exchange for rates - Ombligo - 10-01-2013
How dare someone inject facts into this hysteria.
Re: Just checked out our health insurance exchange for rates - michaelb - 10-01-2013
"Still, damn ObamaCare."
So the fact that your developmentally disabled daughter, and all others similarly situated to her, will be covered under the Medicaid expansion or be able to buy sudsidized health care insurance without regard to her disability is not an important reform worth celebrating?
Re: Just checked out our health insurance exchange for rates - Speedy - 10-01-2013
michaelb wrote:
[quote=Manlove]
"Still, damn ObamaCare."
So the fact that your developmentally disabled daughter, and all others similarly situated to her, will be covered under the Medicaid expansion or be able to buy sudsidized health care insurance without regard to her disability is not an important reform worth celebrating?
I was channeling the baggers, not expressing my own opinion which is that we should have Medicare for all. Or, better yet, socialized medicine.
BTW, my daughter has a developmental disability, I don't think of her as a developmentally disabled daughter.
Re: Just checked out our health insurance exchange for rates - Manlove - 10-01-2013
michaelb wrote:
[quote=Manlove]
"Still, damn ObamaCare."
So the fact that your developmentally disabled daughter, and all others similarly situated to her, will be covered under the Medicaid expansion or be able to buy sudsidized health care insurance without regard to her disability is not an important reform worth celebrating? My bad, I thought (and still do) that speedy was sarcasticising! Which he was, as his speedy post proves!
Re: Just checked out our health insurance exchange for rates - michaelb - 10-01-2013
Ok sorry. The other key part is that there was not a functioning market for a couple 63 and 59 to buy health insurance previously. As of today, that exists. You are covered now, but if that changed this gives you realistic options.