IRS: Cheapest Obamacare Plan Will Be $20,000 Per Family

Dickieboy said:

Ok, so:



page 70
http://www.irs.gov/PUP/newsroom/REG-148500-12 FR.pdf

What was incorrect about the reporting?

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So that is actually 4000 to 4500 per person per year? Or at most 375 per month per person? Depending on the benefit levels and copays that is not terrible for health insurance. Yes, it sounds l;ike a lot more when you put it in terms of the yearly payment for a family of five or 4, but health insurance tends to be a lot for families. Perhaps it will end up being better and all these predictions will be a load of crapola. perhaps it will be worse. These ideas the sky is falling have yet to actually come anywhere near being true and the partisan fear mongering has always been overwhelmingly predictable and rarely comes true. But the reps pushed to keep the private insurance companies in the loop where we end up shoveling part of those fees to their investors and management. So I doubt there will be a huge savings.

Maybe I am just finding every expensive health plan out there, but I do not see 375 a month to be an increase.

tererun said:

So that is actually 4000 to 4500 per person per year? Or at most 375 per month per person? Depending on the benefit levels and copays that is not terrible for health insurance. Yes, it sounds l;ike a lot more when you put it in terms of the yearly payment for a family of five or 4, but health insurance tends to be a lot for families. Perhaps it will end up being better and all these predictions will be a load of crapola. perhaps it will be worse. These ideas the sky is falling have yet to actually come anywhere near being true and the partisan fear mongering has always been overwhelmingly predictable and rarely comes true. But the reps pushed to keep the private insurance companies in the loop where we end up shoveling part of those fees to their investors and management. So I doubt there will be a huge savings.

Maybe I am just finding every expensive health plan out there, but I do not see 375 a month to be an increase.

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Well the 'sky is falling' is not scheduled to begin until next year. Maybe this will work out better than it seems, we will see. As to your 4k to 4.5k, family plan costs are typically not flatline accrued like such but I'd rather not get into the complexities of such. I was reviewing some data concerning parts of the provisions regarding copays and deductibles. From your previous numbers of ~$375 a month add to that $45/visit copays and $2,000 annual deductible which even for a single insured drives the personal costs beyond what many can or more importantly WILL afford.

Obamacare: Is a $2,000 deductible 'affordable?' - Jun. 13, 2013

Dickieboy said:

Well the 'sky is falling' is not scheduled to begin until next year.

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Oh, so this is all guess work done by people who want to make an issue out of something which by your own admission we have not even seen yet and have no reason to trust the partisan and biased opponents of Obama on? Perhaps we could trust them more if they were not so predisposed to being wrong and lying.

Dickieboy said:

Maybe this will work out better than it seems, we will see.

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I figure it will be better than the doomsayers, but certainly not as good as the pro-obamacare people seem to think it will be.

Dickieboy said:

As to your 4k to 4.5k, family plan costs are typically not flatline accrued like such but I'd rather not get into the complexities of such. I was reviewing some data concerning parts of the provisions regarding copays and deductibles. From your previous numbers of ~$375 a month add to that $45/visit copays and $2,000 annual deductible which even for a single insured drives the personal costs beyond what many can or more importantly WILL afford.

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yeah, that is health insurance for you. It is already there at those levels. those are the levels you get when you are healthy in our present system of paid health insurance BS. Of course, when you need health insurance like with what they call a pre-existing condition (AKA a powerul disease, illness, or injury) you do get tossed off. Obamacare is fixing the problems of being tossed off of your insurance for getting ill, and even in getting health care for your children if you get sick. You are aware that as a parent you cover your children through your policy? if you get sick and get tossed from your policy you cannot get your children on a policy you cannot get.

Affordable is a relative term, but many people already know health insurance is not affordable and that problem was not created by obamacare at all. That existed long before obama was president or even a senator. Obamacare is not great, nor is it even good. It will most likely be better than the old for profit only insurance system. Still, the costs of obamacare are well within the old costs of health insurance so i see no reason for the complaining that things are getting worse.

ttwtt78640 said:

In response to the bolded: BS! The entire thrust of PPACA was to mandate that all "private" medical care insurance must cover dependents until age 26, not base premium rates on anything but age and smoking, cover pre-existing conditions and not charge any "out of pocket" additions for many gov't designated "free" treatments. These mandates obviously are not "free" to the insurance company as they will result in more covered expenses from the actual care providers but cannot be passed on to only those customers that incur the added charges - resulting in premium rate increases accross the board.

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Obviously I was talking about the guts of your healthcare plan. Mine didn't change one bit. I no longer have a lifetime cap on how much my insurance will spend and then drop me, thanks to obamacare, but I still don't consider it changed because my deductable, co pay, out of pocket, and all other major details are the exact same.

Rocketman said:

And you have shown how sheep are easily led by a sheppard (obama) about something as complicated as insurance. My company insurance was great until Obamacare. Basically Obama screwed 85% of America trying look like a hero for the 15% that will never have coverage. I have already proven you wrong with your assumptions that everyone is the same which tells me you don't know your ass from a hole in the ground when it comes to the various companies and coverages in insurance.:roll:

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Again, you haven't given a single detail about your previous health insurance. And you can cut the sheppard bull****. Doesn't surprise me though. You have a much greater grasp on talking points than you do on health insurance.

roughdraft274 said:

Obviously I was talking about the guts of your healthcare plan. Mine didn't change one bit. I no longer have a lifetime cap on how much my insurance will spend and then drop me, thanks to obamacare, but I still don't consider it changed because my deductable, co pay, out of pocket, and all other major details are the exact same.

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So paying more (higher premiums) for the "same" coverage is a good thing? Where do you suppose the money to add 30 to 45 million "subsidized" plan's premiums will come from? Simply because you do not see a difference in a "personal" cost increase from PPACA does not mean that things are "the same" - ask your employer how much their premium costs went up for that "same" coverage.

ttwtt78640 said:

So paying more (higher premiums) for the "same" coverage is a good thing? Where do you suppose the money to add 30 to 45 million "subsidized" plan's premiums will come from? Simply because you do not see a difference in a "personal" cost increase from PPACA does not mean that things are "the same" - ask your employer how much their premium costs went up for that "same" coverage.

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1. I pay for half of my coverage, so I would now if it's gone up. It hasn't. Many of those things added because of ObamaCare like annual checkups, breast exams, birth control etc. were already covered 100% by mine. Because my health insurance company understands that breast exams are cheaper than fighting advanced breast cancer, birth control is cheaper than the cost of having a baby, and preventative medicine is cheaper than emergency room treatment. This is common sense **** here.

2. These subsidized plans are already being subsidized. Either we pay their hospital bill after they get treated without insurance and then don't pay the hospital or we help them out with premiums and see that they actually have the chance to visit a normal doctor every now and then to see whats going on. This route won't be much more expensive, if any at all.

Somerville said:

No you can't, but you can certainly add Ohio to the list of states with Republican politicians willing to lie about Obamacare



just as with Avik Roy's criticism of California's published insurance rates, Ohio's Lt Gov has picked a tiny segment of the population to make the claim about soaring rates following ACA's implementation


There is also a not so small problem with using fictitious numbers instead of actual data

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Yeah, but who's watching the HHS? Can their view on this matter be trusted? Especially in the wake of this:

Will Kathleen Sebelius Come Clean On The HHS Scandal? - GOP

roughdraft274 said:

Again, you haven't given a single detail about your previous health insurance. And you can cut the sheppard bull****. Doesn't surprise me though. You have a much greater grasp on talking points than you do on health insurance.

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I have a much great grasp of my own finances than a socialist that loves freebies at the cost of everyone else