[steve86]

if you actually have a medical condition that requires a hospital stay, just overnight, or even a surgery, even a minor non-invasive out patient surgery, will cost you a total of $16,900. PER YEAR!

You seem to be misinterpreting what out-of-pocket is and how it applies. It is not the first $6,350 or $12,700 of medical charges. It is basically the sum of the payments you have to make due to deductibles and coinsurance rate over the year. If you have a deductible of $2,000 and 20% coinsurance, a $20,000 negotiated-cost procedure would cost you $5,600 (simplified). Your co-payments for the year couldn't go above 6350 or 12700. If you didn't have insurance the procedure might be billed at $50,000 and you would be responsible for the whole thing.

[motoman]

You may wat to consult a ACA Exchange calculator. Premium costs are not included as out of pocket costs according to this..

http://kff.org/interactive/subsidy-calculator/

[Jim from C-Town]

I certainly am not. Most hospital stays are thousands of dollars. Even many out patient surgeries cost thousands. 20% of $50,000 is $10k. Fifty K don’t get you a whole lot of top flight medical care. At least not the kind that you really need. Skinned knees and free birth control is easy. Free gal bladder surgery, cancer treatment, and arthroscopic surgeries are a little more difficult.

I have about $4,000,000 worth of medical bills I would be happy to show you that my family has incurred in just the past five years. That is what the insurance company adjusted and paid. The pre-adjusted costs where over $10 Million.

MANY, MANY families will flirt with an out of pocket max every year, Particularly if you have children that play sports. One sick child, or family member with a chronic illness will rack up hundreds of thousands of dollars a year in billable medical expenses.

This is Shit insurance, particularly for the premium. Wait until all the people who wanted this and thought it would be free find out that it costs more than a new car. If you actually need it for anything important it will cost you as much as most Obama voters spend on their mobile home.

BTW I hold an insurance license. I also have had the great fortune to pay out plenty of deductibles and co-pays. We usually hit our out of pocket by February 1st. That is presently $5,000. But we haven’t gotten the new rates yet.

[willyd]

so $600 a month instead of $1300...where does that money come from STEVE68 (automated profile)?

[motoman]

You are incorrect. Medical bllls are instantly and deeply discounted for uninsured clients.