Posted on 02/19/2018 8:33:51 PM PST by Theoria
Gwen Hurd got the letter just before her shift at the outlet mall. Her health insurance company informed her that coverage for her family of three, purchased through the Affordable Care Act marketplace, would cost almost 60 percent more this year — $1,200 a month.
She and her husband, a contractor, found a less expensive plan, but at $928 a month, it meant giving up date nights and saving for their future. Worse, the new policy required them to spend more than $6,000 per person before it covered much of anything.
“It seems to me that people who earn nothing and contribute nothing get everything for free,” said Ms. Hurd, 30. “And the people who work hard and struggle for every penny barely end up surviving.”
A few miles away in another wooded suburb, Emilia DiCola, 28, an aspiring opera singer who scrapes by with gigs at churches and in local theaters, has no such complaints. She qualifies for Medicaid — free government health insurance that millions more low-income Americans have gained through an expansion of the program under the Affordable Care Act.
“I am very lucky to have the coverage I have,” said Ms. DiCola, who lives with her parents along the Merrimack River in Litchfield.
(Excerpt) Read more at nytimes.com ...
Insurers were all in, now we know why. A guaranteed revenue stream, first from the govt, then from the working class. The exemptocrats in congress, well they don’t have to worry about that. It should be unconstitutional for legislation to create a law, then exempt themselves.
I was under the impression that the state would take it out of your hide after you die. After you die your children only get to inherit what’s left after the state gets paid back from the Medicaid funds you used.
That’s why I’m going to die when it’s my time. I can’t afford health insurance or Medicaid.
Family coverage for us would have been a thousand a month through exchanges, $1200-1300 for COBRA.
We switched to Medishare. $350/month for a $10,000 deductible. It is essentially catastrophic health insurance.
However, it does provide negotiated discounts for a number of services. I’ve noticed that the major hospitals and medical “chains” give you anywhere from a 30% discount to a flat copay.
This means the dentist I like isn’t in network but the pediatrician in the Children’s Health network and the strip center dentist chains all accept it.
My only frustration is that because it isn’t legally insurance, I cannot contribute to the HSA anymore and cannot deduct the “premiums” from the HSA.
I agree; when the Great Cleansing comes, I hope the GOPe people get cleansed along with all the rest of the traitors.
They are our enemy. They do not serve us.
“It seems to me that people who earn nothing and contribute nothing get everything for free,” said Ms. Hurd, 30. “And the people who work hard and struggle for every penny barely end up surviving.”
Ya think?!
We were in the gap for several years here in MO where they didn’t do medicare expansion. Didn’t make enough to be eligible for “the marketplace” and made too much for free insurance.
Our choices were, both of us work and send the kids to public school or do without insurance. We did without. That second person working would have been working for nothing but insurance costs.
Alternatives to Obamacare
https://hubpages.com/health/Alternatives-to-Obamacare
“At a minimum, states must recover from assets that pass through probate (which is governed by state law). At a maximum, states may recover any assets of the deceased recipient.” from https://aspe.hhs.gov/basic-report/medicaid-estate-recovery
This particular article is from 2005, but I searched for “Medicad biteback”. It seems to address mainly Medicad nursing home care, but it appears to apply to any Medicad payments.
We are a family of 3 healthy adults, 22 year old son.
Monthly premium: $1,450.
Deductible: $12,000
Seems fair.
Not.
L
I have zero assets so recovery isn’t feasible for the state.
Nursing home costs are paid by Medicaid because its expensive and people quickly exhaust their savings to pay for it.
Medicare only pays the first 100 days of post-surgical skilled nursing care. Medicaid pays the cost indefinitely.
Wow! Thank you for posting the Christian healthcare plan comparison site.
December 2013, we were paying $900 a Month for our HMO Coverage. $100 of that was Dental and Vision.
January 2018, we are paying $2,100 for the same coverage.
Two Adults, early 60’s.
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