Obamacare: The Last Straw?

[flghtr65]

Originally Posted by GracePreston

One problem is that the ACA essentially handed the insurance companies with a captive market. Either pay for the coverage or pay hefty annual fines. What happens when a company has a captive market? They inflate the price...

1. Any increase in premium has to be approved by the Commissioner of Health Insurance for the state that the health insurance company is doing business in. It's not an automatic approval.

2. If the cheapest monthly premium in your zip code is greater than 8 per cent of your monthly income, you can get an exemption. If you qualify for the exemption you don't have to pay the tax/fine for not having health insurance.

[CuteOldGuy]

Originally Posted by flghtr65

1. Any increase in premium has to be approved by the Commissioner of Health Insurance for the state that the health insurance company is doing business in. It's not an automatic approval.

2. If the cheapest monthly premium in your zip code is greater than 8 per cent of your monthly income, you can get an exemption. If you qualify for the exemption you don't have to pay the tax/fine for not having health insurance.

Doesn't matter. It's gone. And it will be better for everyone.

[The_Waco_Kid]

Originally Posted by flghtr65

1. Any increase in premium has to be approved by the Commissioner of Health Insurance for the state that the health insurance company is doing business in. It's not an automatic approval.

2. If the cheapest monthly premium in your zip code is greater than 8 per cent of your monthly income, you can get an exemption. If you qualify for the exemption you don't have to pay the tax/fine for not having health insurance.

so what is it? a tax or a fine? bahhaaa the more you try to defend this turd that is ACA the more you gruber yourself .. give up!

going back decades any number of presidents republican or democrat with congress could have outlawed any company offering medical insurance from using pre-existing conditions to deny coverage. none of them did that. now we have this mandated crap.

if Congress simply would have made it against federal regs to deny based solely on pre-existing conditions the market would have calibrated that into everyone's premiums and ta da! every one can get insurance .. you brain dead braying jackass. your chosen one when down like Foreman v Ali. bahaha

[Grace Preston]

But see, that's just it. In many states, they didn't "deny" for having pre-existing conditions. They simply made it completely and wholly unaffordable to get coverage, and then if you were able to get it, your pre-existing condition wasn't coverable for the first 2 years. I'm not sure how COG managed to find it affordable before. Pre-ACA, I never received a quote for less than $500/month, and that was for bare bones coverage. In Texas.

Do you know how the ACA is getting around that 8% rule? My sister can tell you. They are finding excuses to put married couples into separate insurance groups. She could NOT get herself and her husband on one policy. They were split into two policies. Put together, both policies would add up to about 11% of their income. But... since they are not one policy, they don't get to use that 8% loophole.

[LexusLover]

Originally Posted by GracePreston

But see, that's just it. In many states, they didn't "deny" for having pre-existing conditions. They simply made it completely and wholly unaffordable to get coverage, and then if you were able to get it, your pre-existing condition wasn't coverable for the first 2 years.

Here's a novel idea .... get a fucking job with coverage!

That is ... if one must have a "pre-existing condition"!!!!

[Grace Preston]

Originally Posted by LexusLover

Here's a novel idea .... get a fucking job with coverage!

That is ... if one must have a "pre-existing condition"!!!!

Here's a novel idea-- in addition to being a "dumb whore"... I'm also a "non adult" business owner. I've been self employed for over a decade now. I thought "small business owners" were the "backbone of America".

[LexusLover]

Originally Posted by GracePreston

Here's a novel idea-- in addition to being a "dumb whore"... I'm also a "non adult" business owner. I've been self employed for over a decade now. I thought "small business owners" were the "backbone of America".

And you're point is?

I've been a "self-employed, small business owner" 90% of my adult life .... as in over four decades ... and I've either been insured and/or self-insured the entire time ... including the presence. (I have paid the taxes I owe, and the contributions for employees I am required to withhold, along with the associated taxes, licenses, and fees to remain in business .... just like the current President Elect.)

So, I'll "assume" you voted for Trump.

Around me, among those about whom I would have such knowledge, including family and nonfamily I know of no one who is unintentionally uninsured .... I do know some who have jobs with pre-existing conditions with insurance coverage at a reasonable rate, part of which is deducted from the monthly pay.

The common denominator: They WORK!

fyi: I said nothing about any "dumb-whore" ... you did!

If you are feeling insecure about your intelligence that's your problem.

I've always distinguished between "ignorance" and "stupidity"!

The former being curable, while the latter incurable.

In the last 18 months the Liberals have shown they are "incurable"!

[LexusLover]

Originally Posted by The_Waco_Kid

...
going back decades any number of presidents republican or democrat with congress could have outlawed any company offering medical insurance from using pre-existing conditions to deny coverage. none of them did that. now we have this mandated crap.

... the point is ... and you made it.

"any company offering medical insurance" ....

... the States could have done the same with regard to those carriers who desired to "do business" in the States with impunity.

One must distinguish between the "right to do business" and "the privilege"!

[LexusLover]

Originally Posted by flghtr65

I have a job moron. Between me and my employers ....

Stick to accounting LL, you don't know what the fuck you are talking about.

Stick to smoke signals!!!!

When you call someone a "moron" at least write it in "English."

Let me guess ... you also claim to have an 18 inch dick!

You're too dumb to make enough to pay that in taxes, or you are so dumb you have to pay that much in taxes! You call it. Within the next couple of years Trump will show you how to live well and maximize your deductions .. if there are any left to take. He wants to "dumb it down" for you so you'll only have to pay 10%. Make sure you vote for him next time. You need him.

[Grace Preston]

I have coverage. I had coverage before, I just paid through the nose for it. I have a pre-existing condition that I've had since birth. To be without insurance is something I simply cannot do. I never said I didn't have it. I simply said that it wasn't affordable. Wasn't then, and isn't now. Enjoyed about a year of coverage that was both decent and affordable before the rates spiked through the roof.

In terms of voting... I abstained from the Presidential vote. I'm still registered to vote in Texas, so it wasn't difficult for me to make that decision. Voted down the ticket. I could not vote for Clinton, but on the flip side, I couldn't vote for someone who, while claiming the Republican Party-- seems to be incredibly liberal. I'm a fiscal conservative and social liberal. Trumps platform was essentially that of a social conservative and borderline fiscal liberal. Not to mention, as a sex worker, anyone who makes any kind of pledge to "get rid of internet porn" is not likely to get my vote. A small issue perhaps, but there are plenty on both sides who stand their ground on the smallest of issues. Then there is the issue of Pence... which is another topic altogether for me.

I think my biggest concern in regards to Pre-Existing Conditions and the upcoming changes... is whether insurance companies will still offer coverage if they aren't forced to, now that they've seen just how expensive it cam be for their bottom line.

[gnadfly]

Originally Posted by flghtr65

Your mixing apples and oranges dipshit. I wrote that health insurance companies did not sell health insurance to people with pre-existing conditions. States that had high risk (risk pools) that was a state government solution. There were two major problems with this.

1. Not ALL states had high risk (risk pools). So if your in the individual market and you have pre-existing conditions and you live in a state that doesn't have a high risk (risk pool) then what? Just don't get sick and stay uninsured?

2. Some states that did have the high risk (risk pools) had a mandatory waiting list of 6 months before you could even apply to get into the high risk (risk pool).

Go back and read the post of J.D. Barleycorn's crude explanation of health insurance where he talks about keeping people off the "lifeboat" i.e. health insurance companies refusing to sell insurance to people with pre-existing conditions. You calling me a liar?

Liar. Last I read before the implementation of the ACA, 35-38 states had some form of high risk pool. You just keep changing the subject.

Just like Obama saying "Insurance companies now can't cancel you because you had AIDS." They hadn't canceled anyone for AIDS in over 10 years without getting the shit sued out of them.

[gnadfly]

Originally Posted by GracePreston

But see, that's just it. In many states, they didn't "deny" for having pre-existing conditions. They simply made it completely and wholly unaffordable to get coverage, and then if you were able to get it, your pre-existing condition wasn't coverable for the first 2 years. I'm not sure how COG managed to find it affordable before. Pre-ACA, I never received a quote for less than $500/month, and that was for bare bones coverage. In Texas.

Do you know how the ACA is getting around that 8% rule? My sister can tell you. They are finding excuses to put married couples into separate insurance groups. She could NOT get herself and her husband on one policy. They were split into two policies. Put together, both policies would add up to about 11% of their income. But... since they are not one policy, they don't get to use that 8% loophole.

In 2010, I was paying around $400 a month for employee+spouse+children for health insurance. Now, I am paying around $1100 a month for employee+spouse+children for health insurance. Get this, my employer pays the OTHER 75% of the health insurance cost. AND my deductibles and copays have gone up!

But I got a free shingles shot out of it.

There's nothing Affordable out of the Affordable Care Act , aka OBAMACARE.

Please Donald Maximus, do something positive about this.

Also, my brothers keep having their health insurance policies cancelled because their insurer doesn't want to do business anymore.

[Fancylady]

Originally Posted by gnadfly

In 2010, I was paying around $400 a month for employee+spouse+children for health insurance. Now, I am paying around $1100 a month for employee+spouse+children for health insurance. Get this, my employer pays the OTHER 75% of the health insurance cost. AND my deductibles and copays have gone up!

But I got a free shingles shot out of it.

There's nothing Affordable out of the Affordable Care Act , aka OBAMACARE.

Please Donald Maximus, do something positive about this.

Also, my brothers keep having their health insurance policies cancelled because their insurer doesn't want to do business anymore.

Good point please Donald do something postive about this

[LexusLover]

Originally Posted by flghtr65

1. Any increase in premium has to be approved by the Commissioner of Health Insurance for the state that the health insurance company is doing business in. It's not an automatic approval.

2. If the cheapest monthly premium in your zip code is greater than 8 per cent of your monthly income, you can get an exemption. If you qualify for the exemption you don't have to pay the tax/fine for not having health insurance.

I suppose you have a legal citation for your legal opinion.

Let's pick two states at random: Wisconsin and Texas.

[flghtr65]

Originally Posted by GracePreston

I think my biggest concern in regards to Pre-Existing Conditions and the upcoming changes... is whether insurance companies will still offer coverage if they aren't forced to, now that they've seen just how expensive it cam be for their bottom line.

Trump wants to keep some parts of the ACA. He wants to keep the part where health insurance companies cannot refuse to sell a policy to someone with pre-existing conditions. He also want to keep the part of the law that says children can stay on their parents plan up to age 26.

With a process called budget reconstruction the funding for subsidies for families of 4 that make less than $94,000 and the funding for the Expanded State Medicaid could be withdrawn with 51 votes in the Senate (51 votes can break a Filibuster) in this case. The republicans have a count of 51 in the senate.

Repealing the entire law is more difficult because that requires 60 votes to break a Filibuster. The republicans would have to find 9 democrats to vote with them.