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Due to the down economy, my wife and I are two of the 30 million uninsured, that the ACA is suppose to help. Well, I just ran the numbers.



Not only is this for a Silver plan, with massive deductables, but the estimated tax credit is a hoax. The credit is against tax liability, not a rebate like the EIC. My tax liability this year was $1,400, so if my income remains that same, after shelling out $15,089 in premiums for a year, I would receive a tax credit of $1,400 on my 2014 tax return. This means the premiums alone would actually cost me $13,689, about half my income. If I actually need medical attention, I will have the additional expense of the large deductible, and then 30% of all charges after that.

This is affordable? What a joke. Thank you libtards and obamatrons for re-electing this empty suit.

If the Republicans where smart, they'd have allowed the ACA to go through. After folks found out the truth about this, and ended up paying through the nose for health care, a Democrat couldn't get elected to dog catcher in 2016.

Everyone knows not to say they are a smoker..............

Is this just for two people?
I mean, I just today started an individual plan (not Obamacare - free market) and am going to pay about 6k annually for a reasonably good co-pay plan. Maybe you should shop around... obamacare doesn't mean you have to buy their plan, any plan will keep you from having to pay the penalty.

1400 liability, 1400 credit?

Am I missing something or do you want them to pay you?

No, the proponents of this plan claim, that due to my low income, I'd get a $10,199 subsidy to help pay for the insurance. In reality, it's more like $1,400. Most lower income folks will not get anywhere near the subsidy they are told they will be getting. Many won't know this until they file their 2014 tax return. Further proof of the lies and deception.

I hope it works out man. That sucks.

The plan is designed to fail. Single payer is coming.
Buck up comrades.

IRONY- When the government program you vehemently and bitterly oppose doesn't provide you with any benefits you can use.

Like our military being put on every continent...in almost every nation?

still no cheese for X....

I'm petitioning to have the poverty level raised

The subsisdy is paid to the insurance company to reduce the premium if you chose that option . That is right in the plan and a fact.

Even though you're a High Risk?
You know, the whole Rugby and HIV thingy?

The small company I worked looked into group insurance a few years ago and the quoted price was at least 4x what I could get on the private market, as I was a lot younger than everyone. The only people that wanted it were people with existing health problems, and the insurance company refused to insure just them.

Of course the exchanges will offer bloated premiums to young people, and now we're required to pick one.

If I could just get registered and logged in, I'd be able to get numbers.

Well in Cali they aren't allowed to ask about the HIV your mom gave me.

But I do think they were expecting me to be setting up an insurance fraud when I called them the day before the insurance kicked in and was very specifically asking whether my insurance would be accepted at urgent care facilities the next day in the event I needed stitches or xrays.

That seems like a stupid assumption.

If people didn't have insurance, but had an emergency, they went to the emergency room.
If people did have insurance, but had an emergency, they went to the emergency room.
Some subset of people who didn't have insurance, but had a problem they needed looking at, went to the emergency room.

Now, if everyone has insurance, seems only the first 2 groups would go to the emergency room.
The third group would schedule with their primary care physician, as normal.

Primary care doctors, and emergency rooms are two different groups. There may not be enough primary care doctors, but there shouldn't be a burden on emergency rooms.

I don't like obamacare, but make better arguments.

mmhhh... and how exactly did the emergency rooms get clogged? Do you have a report showing this, or do you just know it because some talking head told you?

And your record on "stating the facts" is really really poor...

another thought,,,

The freeloaders that clog the ERs will continue to do so,,

what makes the Gov't think they will sign up and pay now ?


wheel,

Watch out, you might get what you're after
Cool babies, strange but not a stranger
I'm an ordinary guy
Burning down the house .....

Like or containing Iron.

how much does no pain cost..?? most people would pay almost anything if it was bad enough... do you wait 2 weeks or walk into the ER..?? How bad can a sinus infection get in 2 weeks..??

if Obama had a son.. he'd get some treatments from a breathalizer...

I don't see why an ER visit would be necessary then. that's what Urgent Care clinics are for. Every time I had something that wasn't going to go away on it's own (broken bones, haematoma that needs draining, that sort of thing) I would go to an urgent care facility which accepted my plan. Walk in, get fixed up, walk out. Maybe I'd tell my primary care dr about it at a later date.

I am crossing my fingers and trying not to be pessimistic about the plan.
My wife and I have been without health insurance for 5 years. We are both in our 60's when we need decent healthcare the most.
We have serious pre-existing conditions. I had a skydiving accident and broke my back and neck. Plus diabetes. And severe degenerative disk disease.
My poor wife is a cancer survivor and has osteoporosis and rheumatoid arthritis. She fell in the tub last month and snapped a rib in two.
I fell down the stairs and broke my foot and toes. My foot and toes were black and swollen...and the ER took one X-ray and told me I'm fine. Just a sprain. Meanwhile, all my toes are out of whack. Those damn bastardos!

My Medicare sucks the big choda.
If Obamacare doesn't work for us, we're screwed.