- Joined
- Aug 10, 2013
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- 25,049
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- Cambridge, MA
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- Slightly Liberal
ACA started in 2010 or 2011. The plan was Obamacare silver plan. The deductible was 20k per year lol.
It passed in 2010, none of the subsidies or the significant insurance regulations (including the creation of metal tier plans) happened until 2014. You were trying to buy in the pre-ACA market. The thing the ACA was created to fix.
I provided a couple paragraphs from a couple links that explained that while not characteristic things were much different pre 2014 when deductible limits were installed.
No kidding things were different before the ACA was implemented, that's why it was created. The pre-ACA individual insurance market was shit, that was the impetus for reforming it.
I have researched until blue in the face and cannot find anything other than the silver plan did not exist until 2014.
Precisely, silver plans didn't exist until 2014. Because, for all intents and purposes here, Obamacare didn't exist until 2014.
Since the only time I shopped for health insurance was during the period I explained earlier, the silver plan had to exist. My business opened in 2014 and I already had switched to my wife’s insurance. Obamacare started in 2010 so it had to be 2010 to 2013. I have written down on my notes Obamacare silver plan. Premium for me was 660 per month certainly NOT the numbers for a catastrophic plan that still existed back then. I have circled silver plan with a circled sarcastic note I must have wrote while being quoted “imagine what the Gold plan would cost”. Again I really don’t give a shit if you believe me or not. What I said was true. My premiums exploded and the coverage was unusable. Many things have changed since I got that quote except that our insurance premiums today are still higher than giraffe *****.
None of this is a matter of belief. Legal limits on out-of-pocket liability (including deductibles) have existed since the ACA went into effect in 2014, those are a matter of public record, not belief. For that matter, the premiums and deductibles of all ACA marketplace plans, going back to the first ones in 2014, are available for inspection. For many, many reasons, having any basic knowledge about any of this makes it very easy to spot bullshit stories.
You've been telling this bullshit story for a while, about how the ACA ruined your situation and all you had available were some awful ACA plans. Now, this late in the game, it becomes clear that your story (assuming any of it actually happened) is about trying to navigate the pre-Obamacare insurance market.
You simply cannot give something for reduced or free to one group while charging more to another without the price exploding for the ones who have to pay. It’s what I said from the beginning and it remains 100 percent correct.
Your story literally has nothing to do with that. How is this not clear to you by now?
The insurance salesman actually said to me that the premiums are high because I don’t qualify for any subsidies. So that pretty much makes me believe that there were subsidies in place back then.
I admire your commitment to the bit, but obviously this isn't subject to opinion or recollection. ACA premium subsidies did not exist prior to 2014. Nor did ACA plans or ACA marketplaces. Your story is not about the ACA, it's about the world the ACA was created to fix.