Posted on 10/02/2013 11:08:47 AM PDT by CivilWarBrewing
We are currently paying $1k a month but have low deductibles and low co-pays. I’d say we spend about $15k a yr now so that would be a $5k increase for us.
I was just checking out their numbers.
I'm just glad most of her treatments and surgery have already been completed.
I don't know if they will have to use ObamaCare or not. Her husband's company has lousy insurance, but it may still beat ObamaCare. Her insurance is good, but the job was a contract job, so it ended.
OK, perhaps I missed the definitive FR discussion debunking the option, but Obamacare has a loophole for Christian healthcare coops, like Medishare, Christian Healthcare Ministries, etc. I know there may be long-term downsides to such an option, but presently it is possible to qualify for such a coop and avoid both the high prices of the exchanges and the wrath of the irs, is it not? Or did I miss the memo?
I am pretty curious to find out if this is a hoax however I am more inclined to believe it is not.. this is not a rare story, infact this is becoming the norm for those signing up not realizing what is really going on. I did my own checking and these people responding are very real everyday people, on both spectrums of the political table. I have a daughter with a pre-ex. and you can not tell me that just because she can get ins. It won’t cost her a ton, her medical supplies as of today are 1,800 a month, now where is she going to find an insurance company that will cover her for anything less than what her needs cost a month. she won’t! and I wonder why his post was removed so quickly?
No, not if you have a pre-existing condition. I have looked into it.
It’s for me.
Well, I doubt that the ceiling is below the penalty on the $50K income level, which is what I used.
I am not following. Can you clarify? The co-ops I’ve researched do take people with preexisting conditions, and as far as I can tell, the co-ops are still a valid was to satisfy the statute. What have you found that contradicts this?
valid WAS = valid WAY
Argh!
I have a very mild pre-existing condition, a mild atrial fib, but that was enough for insurance companies to deny me coverage. And so, I looked into these coops, but what I ended up doing instead was purchasing temporary catastrophic insurance from a company called Starr Indemnity up in New York. It is less than $200/mo, and while it covers next to nothing, it DOES cover me for catastrophic illness or hospitalization. I have to renew it annually, and this spring we'll see whether or not that is still an option.
I am betting it is not, as Obamacare has outlawed anything that is "less than a bronze plan." Now, there is, in fact, supposed to be a Catastrophic-only option in Obamacare which is, yes, "less than a bronze plan" (another lie) for those whose premiums would be more than 8.5% of income (as would mine), but I suspect that it will cost twice what I am paying now. Who knows?
Indeed. How does one find out without signing on and giving up all one's personal information? I am already an identity theft victim at the hands of the IRS. I hardly trust these flawed websites.
The software could have bugs.
From what I understand from reading the law, that’s not correct. He allegedly chose a silver plan with an annual premium of 13% of his annual income. But a literal reading of the law seems to suggest that skipping insurance without paying the tax, obtaining an exclusion because of lack of affordable coverage, requires that the premium for a BRONZE-level plan (which pays even less than the silver plan pays) in OTHER STATES (not necessarily actually available to you) must be less than 8% of your ANNUAL total household income each MONTH to cover ONE person. That’s 96% of your income (before taxes) going to health insurance for EACH person before Congress considers it unaffordable—even if you have 10 persons in your family. That premium actually doesn’t buy any health care; one still must find a doctor willing to take the insurance and pay any deductibles, co-insurance, and other fees. The premiums, however, will enable easy, free chemical warfare against your unborn baby.
I was able to find out what my new premiums would be with Blue Cross by entry of strictly hypothetical data on the BCBS of Illinois website. No exposure on the exchange. Results? New premiums will be more than double my current load, just for the “Bronze” level of coverage. That’s not gonna work. I can’t afford two mortgage payments.
As for the co-ops, there are a number of them that qualify for the exception, and no matter how rough the fit, I will probably go with one of them, until and unless the law is overturned. I don’t much care about the high deductible, because I have been de facto self-insured anyway for several years now. I am grateful I haven’t faced anything catastrophic. That’s really what I would need the co-op for more than anything else.
As for the co-ops being religiously narrow or exclusive, that’s the whole point, the reason they can escape the Obamacare dilemma. They are well-grounded in the long-established Biblical truth that Christians are to share one another’s burdens. This is not strictly capitalism because the motive is love, not profits per se. But it is not socialism either, because it is private and voluntary, not governed by the state. It is shielded by a unique combination of principles, freedom of religion, freedom of association, freedom of contract, that make it exceptionally resistant to legal attack.
Besides, my beliefs are, I think, very similar to theirs, so we should be compatible. We’ll see how it goes.
As to your concern about what they cover, they do not pretend to be traditional commercial insurance. In my research I am picking up that the better organizations will be there for you when the need is real. So I guess it depends on who you believe. I’m going to give it a try. Leaning toward Christian Healthcare Ministries at the moment. Subject to change as the research proceeds, of course.
I think my wording may have been too strong, but I have read of a number of cases where the coops were not so “loving”; “what they are” may not live up to “what they are supposed to be.” And again, if you have a pre-existing condition, there is some indication that they are not particularly friendly. Anyway, best of luck to you on that front. But, if your projected premiums through Obamacare are more than 8.5% of your income, you might want to look into the catastrophic option that is supposed to be available. In fact, I would be interested in knowing the cost of it, if you look into that.
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