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Obamacare or employer provided health insurance.
me | Oct. 11, 2013 | 1raider1

Posted on 10/11/2013 12:09:01 PM PDT by 1raider1

I am a retiree on a pension. My 2014 employer provided enrollment form arrived today. According to the booklet provided, if I remain on this plan (AnthemPPO) my monthly premium will increase 66.5% for health and hospital, and 67% for dental, or $180 and $18/mo respectively, to keep the coverage that I now have. I went online to an ACA calculator and with our income, our monthly premium worked out to, with subsidy, $150/mo. That's less than the increase for the employer provided coverage AND it's for the silver plan which is probably as good as what I now have. Can somebody here convince my why I shouldn't switch plans?


TOPICS: Chit/Chat; Health/Medicine
KEYWORDS: healthinsurance; obamacare
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1 posted on 10/11/2013 12:09:01 PM PDT by 1raider1
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To: 1raider1

Check your total out of pocket costs for deductibles, prescriptions, etc. between the choices. Be sure that the changing coverage would allow you to use the doctors and medical facilities you prefer.


2 posted on 10/11/2013 12:10:42 PM PDT by NEMDF
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To: 1raider1

Are the deductibles comparable?
High deductibles seems to be a “feature” of Obama approved policies.


3 posted on 10/11/2013 12:10:58 PM PDT by nascarnation (Frequently wrong but rarely in doubt....)
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To: 1raider1
with subsidy

This.

4 posted on 10/11/2013 12:11:22 PM PDT by grobdriver
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To: 1raider1
There's a trick to this. I believe it's 1% of your income. But next year it's 2.5%. After that...it goes up and up.

CLUE....When Medicare started, it was $3 a month and a lot more benefits. Now it's $105 a month with limits and copays rising yearly etc etc AND you need a supplement.

5 posted on 10/11/2013 12:12:28 PM PDT by Sacajaweau
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To: 1raider1
it's for the silver plan which is probably as good as what I now have

Double check that. Silver is 70/30, whereas most traditional plans were always 80/20 in their level of coverage. Also check the deductibles and potential out-of-pocket expenses.

6 posted on 10/11/2013 12:12:42 PM PDT by MrChips (MrChips)
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To: NEMDF; 1raider1

Dittoes on the above advice. Especially with regards to the deductibles. IIRC, I was reading yesterday about some goober going for the Silver Plan only to learn the annual deductible was THIRTEEN THOUSAND DOLLARS!

(Holy Crap)


7 posted on 10/11/2013 12:13:45 PM PDT by Responsibility2nd (NO LIBS. This Means Liberals and (L)libertarians! Same Thing. NO LIBS!!)
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To: 1raider1
our monthly premium worked out to, with subsidy

It's up to you if you want to take money from other taxpayers.

That's something I would hold off on for as long as possible because you would be participating in the wealth distribution scheme of socialists.

Also, you haven't mentioned the deductible.

8 posted on 10/11/2013 12:13:50 PM PDT by what's up
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To: what's up
It's up to you if you want to take money from other taxpayers.

...like if you take mortgage interest or child deductions on your income tax.

9 posted on 10/11/2013 12:19:41 PM PDT by Roccus
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To: 1raider1

If you attend church regularly, another option to look at is Samaritan Ministries. It’s not technically insurance but it’s been going for years with positive reviews.

http://samaritanministries.org/

By refusing to sign up for one of the obamacare plans (which mandate abortion coverage) you’re helping to end it.


10 posted on 10/11/2013 12:20:02 PM PDT by Mount Athos (A Giant luxury mega-mansion for Gore, a Government Green EcoShack made of poo for you)
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To: Roccus

“...like if you take mortgage interest or child deductions on your income tax.”

How is reducing the amount I already paid taking it from someone else?


11 posted on 10/11/2013 12:25:33 PM PDT by raybbr (I weep over my sons' future in this Godforsaken country.)
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To: 1raider1

Do not, under any circumstances, sign up for Obamacare. Do not go on their website and give them any personal information.

You are surrendering your Liberty and privacy to the IRS.

No matter how much they promise you will save, it is not worth it.


12 posted on 10/11/2013 12:32:49 PM PDT by P-Marlowe (There can be no Victory without a fight and no battle without wounds)
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To: Roccus
...like if you take mortgage interest or child deductions on your income tax

However, everyone can claim mortgage interest, child deductions.

Not so with these subsidies. Only certain income levels get the goodies.

13 posted on 10/11/2013 12:36:39 PM PDT by what's up
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To: 1raider1

What if you need treatment if something happens,in both scenarios,who decides if you get it?


14 posted on 10/11/2013 12:37:25 PM PDT by mdittmar
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To: 1raider1

Under Obamacare eventually we will all lose our choice between Obamacare and private insurance. When it’s gone, it’s gone for good. Single payer will prove to be very expensive in the long run.


15 posted on 10/11/2013 12:37:44 PM PDT by Huskrrrr
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To: raybbr
How many would even take out a mortgage for $XXX were it not for the deduction.

To imply that someone taking a legal subsidy for something they were FORCED into is doing something wrong is disingenuous at best. Honestly, some of the "holier than thou" nonsense that goes on here at FR is sad.

I also have retiree, employer paid supplimental insurance. If I find myself in the same situation as the original poster, you better believe I will look into the subsidy. If that puts ME on your sh*t list also, too bad.

16 posted on 10/11/2013 12:40:58 PM PDT by Roccus
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To: 1raider1

God help me - I may be in this same situation. I’ll know at the end of October, when our open enrollment begins.


17 posted on 10/11/2013 12:46:37 PM PDT by Joann37
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To: what's up
Only certain income levels get the goodies.

So if I fall into that category, I should just forego the subsidy and pay the full price that the gov't. has set up? I don't think so.

More and more I question my support of and participation in FR.

18 posted on 10/11/2013 12:47:55 PM PDT by Roccus
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To: Roccus
As I said...I would hold off for as long as possible on the subsidy for the reasons stated. When we take the Gov't largesse we enable socialist Gov't.

I didn't say no one should ever take the subsidy. If one is desperate one has to do what's necessary to stay alive. But obviously the more people who hold out against tyranny the better.

My family is eligible for the subsidy also. However, we will not be taking it for the reasons I stated.

19 posted on 10/11/2013 12:52:20 PM PDT by what's up
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To: 1raider1
Can somebody here convince my why I shouldn't switch plans?

How about you making your own decisions?

Do you know the difference in out-of-pocket costs or catastrophic caps? Do you know how many providers in your area will accept the new plans? Do you know the quality of the providers?

I say you go ahead with what you think is cheapest and lets us all know how it worked out a year from now.

20 posted on 10/11/2013 12:52:49 PM PDT by trebb (Where in the the hell has my country gone?)
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To: P-Marlowe

The IRS already knows who you are.


21 posted on 10/11/2013 1:31:44 PM PDT by mylife (Ted Cruz understands the law, and he does not fear the unlawful.)
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To: 1raider1

To save $30 a month you’ll jump off into the unknown?

Do you get to keep your current docs?


22 posted on 10/11/2013 1:34:46 PM PDT by VeniVidiVici (Play the 'Knockout Game' with someone owning a 9mm and you get what you deserve)
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To: 1raider1

I found out that some doctors won’t accept obamacare even though they are in a group for the same insurance plan, like Anthem, etc. The obamacare site is supposed to have a tab to click to see if your doctor is on the list.


23 posted on 10/11/2013 1:38:08 PM PDT by Mark (Obama is more confused than a hungry baby in a topless bar.)
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To: Roccus
Then feel free to leave anytime. You clearly don't belong here since you seem to know it all and wish to learn nothing.

Yeah, you have to wade through the blustering crap of the low-experience high-drama crowd that hangs here, but there's still much to be learned if you put the mental work into it. It's the same anywhere there is a free exchange of ideas and opinions.

Still, you are either a lib troll or economically ignorant. Both of the deductions you mention are just that - deductions. They lower your total tax liability by reducing your gross income to arrive at your adjusted gross income. They are not tax credits.

The 0bummer care subsidies are just that - subsidies. Direct payments by the government to lower your total cost of premiums. Where does FedGov Inc get the money to make those payments? Other taxpayers. That's wealth redistribution.

Now if you're one of those that think all the money belongs to the government and when you reduce your tax liability you are stealing what rightfully belongs to the FedGov, then I can definitely state you are in the wrong place.

24 posted on 10/11/2013 1:43:39 PM PDT by Redplum
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To: VeniVidiVici

It’s more like $200.00/mo. I put that in my original post.


25 posted on 10/11/2013 1:43:48 PM PDT by 1raider1
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To: mylife
The IRS already knows who you are.

My guess is if you're on FR, NSA knows what you ate for lunch today....

26 posted on 10/11/2013 1:46:50 PM PDT by nascarnation (Frequently wrong but rarely in doubt....)
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To: Joann37

Do not under ANY circumstances sign up for Obama care this is socialized medicine, ALL you have to ask yourself is, is it worth a few
bucks to help turn this ONCE great nation into a socialized country! This
law MUST FAIL!!! No support of it will accomplish this!!!


27 posted on 10/11/2013 1:48:02 PM PDT by Kit cat (OBummer must go)
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To: 1raider1

Sorry, thought you meant your increase was $180 and $150 respectively.

If it were me, I’d stick with what I have for only $200 a month. Especially if I wasn’t sure what was in the Silver plan but thought it to be “comparable”.


28 posted on 10/11/2013 2:01:39 PM PDT by VeniVidiVici (Play the 'Knockout Game' with someone owning a 9mm and you get what you deserve)
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To: 1raider1
Can somebody here convince my why I shouldn't switch plans?

You might not be able to. The way I read the requirements, to be eligible for exchange coverage your employers coverage needs to cost more than 9.5% of your household income.

29 posted on 10/11/2013 2:05:05 PM PDT by EVO X
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To: Roccus
...like if you take mortgage interest or child deductions on your income tax

Are you serious?

30 posted on 10/11/2013 3:10:38 PM PDT by BfloGuy (Workers and consumers are, of course, identical.)
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To: Redplum; Jim Robinson; All

It’s quite obvious that I’ve overstayed my welcome here at FR.

JR....you can remove from the roll.


31 posted on 10/11/2013 3:17:46 PM PDT by Roccus
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To: 1raider1
I am a retiree on a pension.

Are you Hyman Roth? lol

32 posted on 10/11/2013 3:18:24 PM PDT by Fledermaus (Park Service employees "following orders" should be SHAMED and SHUNNED!)
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To: Roccus

So we should get rid off all deductions?

If to get a lower rate flat tax, fine. Otherwise what do you mean?


33 posted on 10/11/2013 3:21:34 PM PDT by Fledermaus (Park Service employees "following orders" should be SHAMED and SHUNNED!)
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To: VeniVidiVici

I’ll try this one more time. My premium is going up 66.5% for health and hospital and 67% for dental. From about $370.00 a month to $560.00 a month.


34 posted on 10/11/2013 3:21:53 PM PDT by 1raider1
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To: Roccus

I can see that I’m not the only one who misunderstood your post ““...like if you take mortgage interest or child deductions on your income tax.””

You really should have put some context to that. I read as if you thought that taking those deductions was akin to taking the subsidies.


35 posted on 10/11/2013 3:26:51 PM PDT by raybbr (I weep over my sons' future in this Godforsaken country.)
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To: EVO X

My 2014 premiums will be 12% of my gross income and 22.6% of my 2013 adjusted.


36 posted on 10/11/2013 3:38:47 PM PDT by 1raider1
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To: EVO X

Oops, 2012 adjusted.


37 posted on 10/11/2013 3:40:20 PM PDT by 1raider1
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To: P-Marlowe
I sooooo agree on that! The site is set up so they know every persons IP even without signing up. If you visit the site..they know it. If you decline insurance you pay the TAX Penalty... to delay for one year but the Tax skyrockets after that. It's designed to "Trap" everyone.


38 posted on 10/11/2013 3:47:24 PM PDT by caww
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To: 1raider1

Your FREEDOM is priceless. Just say no to CommieCare.


39 posted on 10/11/2013 4:00:09 PM PDT by VRWC For Truth (Roberts has perverted the Constitution)
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To: 1raider1
If it were me, I’d stick with what I have for only $200 a more a month.

There. Better? But it's still a stupid question until you can provide the specifics of each plan. Unless you're just trolling.

40 posted on 10/11/2013 4:00:21 PM PDT by VeniVidiVici (Play the 'Knockout Game' with someone owning a 9mm and you get what you deserve)
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To: 1raider1

Your private insurance provider is accountable to the company’s stockholders, Obastardcare is not accountable to anybody but the IRS. If you leave your private plan, it’s probably a one-way ticket. Everybody’s private insurance is going up, so don’t feel alone.


41 posted on 10/11/2013 4:14:00 PM PDT by Cyber Liberty (It's hard to accept the truth when the lies were exactly what you wanted to hear.)
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To: Joann37

We’re all sweating that open-enrollment welcome letter. I don’t know about you, but I’ve stressed it every year for the past three.


42 posted on 10/11/2013 4:16:43 PM PDT by Cyber Liberty (It's hard to accept the truth when the lies were exactly what you wanted to hear.)
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To: Roccus

Don’t know what it’s all about but I wouldn’t worry about the complainers. Each of us must make our own personal decisions tax-wise. doesn’t make any sense not to take all the deductions you’re “entitled” to and to not pay any more taxes than you’re liable for. Thanks!


43 posted on 10/11/2013 4:37:12 PM PDT by Jim Robinson (Resistance to tyrants is obedience to God!!)
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To: Jim Robinson

I guess you’re doing OK Jim?


44 posted on 10/11/2013 4:55:20 PM PDT by Cyber Liberty (It's hard to accept the truth when the lies were exactly what you wanted to hear.)
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To: 1raider1

You should change and your employer’s insurance company is giving you the incentive and push to do so with higher premiums.

You will make the very logical choice to go on the government insurance—and save the employer lots of money in the bargain.

What company wants to hold their retirees on a employee benefit, especially when they are approaching the years where they will have the most illnesses and expenses.

The whole way we have delivered retirement benefits from large companies to retirees is about to change. They gave you a nice retirement benefit, but now you have another option so they don’t feel that they have to provide it to you any longer.

But if the national health care program doesn’t get a massive increase of young healthy folks to enroll (and this means fully enrolled because the new benefit to give them their parents coverage until 26 isn’t going to produce revenue to pay for your costs)then Obamacare will quickly become a financial nightmare.


45 posted on 10/11/2013 5:22:34 PM PDT by wildbill
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To: Cyber Liberty

Doing great! Thanks!


46 posted on 10/11/2013 5:36:49 PM PDT by Jim Robinson (Resistance to tyrants is obedience to God!!)
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To: Jim Robinson

That’s wonderful. Miss Slippy and I have been (and will be) in there for you and Sheila, Chris and John. Much love, over and out.


47 posted on 10/11/2013 5:43:47 PM PDT by Cyber Liberty (It's hard to accept the truth when the lies were exactly what you wanted to hear.)
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To: Cyber Liberty

I realize everyone’s private insurance premiums are going up. My question was, can anyone convince me not to go with ACA and invest the $4900.00 per year premium savings.


48 posted on 10/11/2013 5:55:07 PM PDT by 1raider1
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To: 1raider1

Premiums are only 1/2 of the equation. You need to find out what is at your end, the payout. What good is it to save $5K in premiums if you have to pay out $6K more in deductibles?


49 posted on 10/11/2013 6:01:43 PM PDT by Cyber Liberty (It's hard to accept the truth when the lies were exactly what you wanted to hear.)
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To: Roccus

Stick around.


50 posted on 10/11/2013 6:10:36 PM PDT by steve86 (Some things aren't really true but you wouldn't be half surprised if they were.)
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