Skip to comments.Obamacare or employer provided health insurance.
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?
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.
Are the deductibles comparable?
High deductibles seems to be a “feature” of Obama approved policies.
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.
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.
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!
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.
...like if you take mortgage interest or child deductions on your income tax.
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.
By refusing to sign up for one of the obamacare plans (which mandate abortion coverage) you’re helping to end it.
“...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?
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.
However, everyone can claim mortgage interest, child deductions.
Not so with these subsidies. Only certain income levels get the goodies.
What if you need treatment if something happens,in both scenarios,who decides if you get it?
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.
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.
God help me - I may be in this same situation. I’ll know at the end of October, when our open enrollment begins.
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.
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.
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.
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