Gone Posted September 16, 2014 Share Posted September 16, 2014 This of course doesn't fit into the News section on Neowin, but I thought I'd share what is to come at my company for the ACA aka Obama Care. I know there are going to be a lot of flamers that think it's the greatest thing since sliced bread, but those people probably don't pay for health insurance or have yet to feel the impact. I saw this at work the other day and I highlighted the words affordable, and the new deductible. The company bolded affordable, which is the most asinine thing I have ever seen in my life. This new coverage is far from affordable when most of the people make $20,000 a year after taxes. The old deductible and the new deductible are side by side on the sheet as you can see. Now, HOW THE HELL IS THAT AFFORDABLE???? I have to spend $3,000 per person or $7500 for the whole family BEFORE they cover 80%? I think this year I will pay the penalty for having no health insurance, put my kids on medicare for free, and then pay out of pocket for any checkups. Why? Because I'll spend money in premiums AND pay for every bit of healthcare that I will use up to $7500. I mind as well save the $420 a month and put it into a savings account. The Healthcare.gov website has worse plans for a lot more money, and a bigger deductible. EDIT: Sorry for the sideways image, I can't figure out how to rotate it on the forum, because it is upright in the file. DConnell 1 Share Link to comment Share on other sites More sharing options...
Gone Posted September 17, 2014 Author Share Posted September 17, 2014 167 views and no comments!!! Link to comment Share on other sites More sharing options...
+Raze Subscriber² Posted September 17, 2014 Subscriber² Share Posted September 17, 2014 Perhaps you can look at this info and check for other offerings in your state. http://floridamarketplaceexchange.com/shop-the-companies-prices.html Link to comment Share on other sites More sharing options...
COKid Posted September 17, 2014 Share Posted September 17, 2014 Thanks for the sore neck, bud! ;) Have you looked into the federal subsidy? I actually didn't end up signing up for a plan, as my situation changed giving me an exemption for this year, but initially my premiums were going to be about $30 a month. You may qualify for an exemption if: You?re uninsured for less than 3 months of the year The lowest-priced coverage available to you would cost more than 8% of your household income You don?t have to file a tax return because your income is too low (Learn about the filing limit.) You?re a member of a federally recognized tribe or eligible for services through an Indian Health Services provider You?re a member of a recognized health care sharing ministry You?re a member of a recognized religious sect with religious objections to insurance, including Social Security and Medicare You?re incarcerated (either detained or jailed), and not being held pending disposition of charges You?re not lawfully present in the U.S. Number 2 will probably apply to a lot of people. There are also 14 Hardship Exemptions. https://www.healthcare.gov/exemptions/ robertwnielsen 1 Share Link to comment Share on other sites More sharing options...
farmeunit Posted September 17, 2014 Share Posted September 17, 2014 How big is your family? I pay $400 for me and my daughter, so not sure what you're really complaining about since you say "kids". I agree it's a pretty high deductible, but as mentioned, look around more. Check other plans. It my daughter is diabetic, so instead of $350 for insulin, it's only $45. So it about evens out for me. It's a fact of like. Pay insurance or declare bankruptcy if something big happens, lol. The way hospitals screw you nowadays, I don't see anyone can NOT have insurance. It's a sad state of affairs. I NEVER go to doctor. Maybe once a year if I absolutely cannot breath or get out of bed, so I really hate paying for it, but I my dad's wife went into hospital for a mild heart attack, for less than a week stay, and that cost $60,000 if I remember right. Link to comment Share on other sites More sharing options...
Gone Posted September 17, 2014 Author Share Posted September 17, 2014 Thanks for the sore neck, bud! ;) Have you looked into the federal subsidy? I actually didn't end up signing up for a plan, as my situation changed giving me an exemption for this year, but initially my premiums were going to be about $30 a month. You may qualify for an exemption if: You?re uninsured for less than 3 months of the year The lowest-priced coverage available to you would cost more than 8% of your household income You don?t have to file a tax return because your income is too low (Learn about the filing limit.) You?re a member of a federally recognized tribe or eligible for services through an Indian Health Services provider You?re a member of a recognized health care sharing ministry You?re a member of a recognized religious sect with religious objections to insurance, including Social Security and Medicare You?re incarcerated (either detained or jailed), and not being held pending disposition of charges You?re not lawfully present in the U.S. Number 2 will probably apply to a lot of people. There are also 14 Hardship Exemptions. https://www.healthcare.gov/exemptions/ The exemption does not help the cost of health care, which of course I would very much like to have. I do qualify for exemption #2 however [until they change it]. This post is about the irony of the "affordable" care act not being affordable at all. "In general, employees who are offered insurance through work are not eligible for subsidized exchange coverage, so long as their insurance meets specified requirements. You would only be eligible for subsidized exchange coverage if your income is between 1 and 4 times the federal poverty level and you would have to pay more than 9.5% of your household income for your own coverage through the insurance offered by your employer."[/size] Thank you though! Maybe if you grew up and learned to read...you would see that it stated that your current health plan would no longer be offered for the 2015 health plan year. Do you bother to look at the different cigna plans that are being offered? Before you come here and bitch, bitch, bitch, and bitch some more about health insurance...at least look at the plans your company is offering. I currently have Cigna, but was planning on switching to BCBS because it was cheaper, provided better coverage with a lower deductible, and a higher percent of co-insurance. How big is your family? I pay $400 for me and my daughter, so not sure what you're really complaining about since you say "kids". I agree it's a pretty high deductible, but as mentioned, look around more. Check other plans. It my daughter is diabetic, so instead of $350 for insulin, it's only $45. So it about evens out for me. It's a fact of like. Pay insurance or declare bankruptcy if something big happens, lol. The way hospitals screw you nowadays, I don't see anyone can NOT have insurance. It's a sad state of affairs. I NEVER go to doctor. Maybe once a year if I absolutely cannot breath or get out of bed, so I really hate paying for it, but I my dad's wife went into hospital for a mild heart attack, for less than a week stay, and that cost $60,000 if I remember right. I have a family of 3 right now. I currently have Cigna, but feel as if I shot myself in the foot when I found out my employer had BCBS. Had I known that, I would have saved about $1500 during my daughters birth. Had I not had health insurance, well yes the cost would have been astronomical. I could definitely use the extra $420 a month though on other things, like savings or using it to pay for a mortgage. If I get hurt at work, I have worker's comp, if I get hurt off work, I better pray it is not too bad because I refuse to go to the doctor when I am still trying to pay off my wife's hospital bills. Perhaps you can look at this info and check for other offerings in your state. http://floridamarketplaceexchange.com/shop-the-companies-prices.htmlI'm trying to browse Virginia, but the Healthcare.gov website says I missed the enrollment period [duh] and that I can't view plans until this upcoming enrollment period [November 2014] which is well after my company requires our insurance to be updated [31 October 2014]. Link to comment Share on other sites More sharing options...
+Raze Subscriber² Posted September 17, 2014 Subscriber² Share Posted September 17, 2014 <snipped> I'm trying to browse Virginia, but the Healthcare.gov website says I missed the enrollment period [duh] and that I can't view plans until this upcoming enrollment period [November 2014] which is well after my company requires our insurance to be updated [31 October 2014]. Sorry about the wrong state, I was looking at your document and saw Florida, didn't cross my mind that you might be elsewhere. At this time you seem to be caught between a rock and a hard place. It seems ridiculous that the open enrollment periods do not coincide, which at least would give you more choices. Link to comment Share on other sites More sharing options...
Gone Posted September 17, 2014 Author Share Posted September 17, 2014 Ooops its my bad, the company headquarters in in Florida :blush: And the BCBS is located in NY, which is weird to me. Link to comment Share on other sites More sharing options...
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