Free Republic
Browse · Search
General/Chat
Topics · Post Article

Skip to comments.

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
Navigation: use the links below to view more comments.
first previous 1-2021-4041-55 last
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.)
[ Post Reply | Private Reply | To 1 | View Replies]

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.)
[ Post Reply | Private Reply | To 17 | View Replies]

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!!)
[ Post Reply | Private Reply | To 18 | View Replies]

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.)
[ Post Reply | Private Reply | To 43 | View Replies]

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
[ Post Reply | Private Reply | To 1 | View Replies]

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!!)
[ Post Reply | Private Reply | To 44 | View Replies]

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.)
[ Post Reply | Private Reply | To 46 | View Replies]

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
[ Post Reply | Private Reply | To 41 | View Replies]

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.)
[ Post Reply | Private Reply | To 48 | View Replies]

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.)
[ Post Reply | Private Reply | To 31 | View Replies]

To: 1raider1
I would suggest that you wait as long as possible to make your decision. Currently the Exchanges are not showing the correct premiums, plans, subsidies, etc. They are also not showing the correct list of doctors, if any. You will also need to check the formulary for the plan, as many of the plans will have limited formularies. Also, does the plan allow you to go out of the network? Many don't. If you can go outside, at what cost? At least wait until you can get complete information.
51 posted on 10/11/2013 8:19:37 PM PDT by ebber
[ Post Reply | Private Reply | To 48 | View Replies]

To: Roccus

No, like people getting a $5000 Earned Income Tax Credit (Refund) without paying any Income Taxes in the first place.

Lowering a Tax Liability using Legal means is not the same as Welfare, unless you think like a Democrat of course.


52 posted on 10/11/2013 8:32:36 PM PDT by Kickass Conservative (Due to the Federal Government Shutdown, the Tagline is closed.)
[ Post Reply | Private Reply | To 9 | View Replies]

To: 1raider1
My 2014 premiums will be 12% of my gross income and 22.6% of my 2013 adjusted.

I am pretty sure it is gross. Assuming they will let you switch you would need to make sure you're getting the coverage you really need. Besides access to your doctors, copays, and deductibles there is the issue of out of network coverage. If you like to travel as a retiree it might be beneficial to have that coverage.

Sounds to me like you will have to sign on to find out what the actual coverage is. Although, if you know who the insurance carriers are in you area you should be able to do a web search for the unsubsidized coverage details to find out what is going on..

53 posted on 10/12/2013 4:47:41 AM PDT by EVO X
[ Post Reply | Private Reply | To 36 | View Replies]

To: Roccus

Pretty pathetic Opus, if you ask me. Please do a really good one, and post a thread. That’s how it’s done.


54 posted on 10/12/2013 9:33:53 AM PDT by Cyber Liberty (It's hard to accept the truth when the lies were exactly what you wanted to hear.)
[ Post Reply | Private Reply | To 31 | View Replies]

To: 1raider1

what is the deductible?

That is a good question


55 posted on 10/12/2013 9:43:42 AM PDT by GeronL
[ Post Reply | Private Reply | To 1 | View Replies]


Navigation: use the links below to view more comments.
first previous 1-2021-4041-55 last

Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.

Free Republic
Browse · Search
General/Chat
Topics · Post Article

FreeRepublic, LLC, PO BOX 9771, FRESNO, CA 93794
FreeRepublic.com is powered by software copyright 2000-2008 John Robinson