Just Curious... Who Here Has Signed Up Through www.healthcare.gov?

How is it that your sister in law is finally able...for less than 1/3...prior..., and mine, a private policy that I pay for goes double? I get a checkup once a year, and so far, healthy. I am dismayed that my same policy that I have had since my husband died, eight years, will be double beginning January 1st. I would really like to understand this...

 

I don't know, Lucy. All private plans have been going up, for years. Mine hasn't doubled like yours, but it's gone up about 50% over the past 20 years I have worked there. But, my plan has also improved, for the most part, over that time frame. Now, perhaps my employer absorbs a great deal of the increases and I just don't see it, I don't know. Hopefully yours will work out better at some point.

 

Sounds like the subsidized share is being confused with the actual cost of the policy.

 

On mine? because it's privatized, like our retirement, it would be impossible to tell, especially since our parent company also owns the insurance provider. What the company pays for is a write-off, which is why the absorb most increases, not to mention they are basically paying themselves to insure us. Granted thats a rare exception in business, but thats how it works for us.

 

Regarding your adult offspring who is in college (who, I'm assuming, is between 18 and 26 years old): After Obamacare kicked in, did your rates go up when you added him to your health plan?

 

There is now another option to sign up:

http://www.theonion.com/articles/new-improved-obamacare-program-released-on-35-flop,34294/

 

Hahaah.. Hilarious! Mouse-compatible!!!!

View attachment 2043

 

Absolutely not. No difference. I mean rates have pretty much increased for everyone, every year and co-pays have gone up, and services have gone down. That's nothing new in the pre-Obamacare environment. The truth is that he never went off of my insurance since the law kicked in his senior year of high school.
There was one issue that sort of made me mad though. He slipped on an icy sidewalk on-campus last winter and broke his ankle. My insurance covered the ER visit but they refused to cover the corrective surgery he needed unless he came back to service area we live in. So I had to pick him up and drive him 400 miles to see a local surgeon because my HMO didn't have any providers 2 states away. I don't know if the ACA corrects this issue, but it is definitely a tweak that I can see to the new law.

 

I love the Onion!

 

Your son is one of many thousands (if not millions) of adults from the age of 18 to 26 who insurance companies are now having to cover under the ACA which they would not have had to cover otherwise. You say that your premium didn't increase so we will use your situation as an example. If your situation is indicative of the remainder of the 18 to 26 year olds, then their parents' premiums shouldn't increase either.

However, with the thousands (or millions) of 18 to 26 year olds who now have to receive medical benefits, this will undoubtedly cause an increase in the payout that insurance companies will have to pay. These 18 to 26 years olds will cost insurance companies millions (or even billions) of dollars. That money doesn't just materialize out of thin air. Someone WILL pay. I can guarantee you that insurance companies won't suddenly become benevolent benefactors overnight and eat those costs. No, they will pass it on to the consumer which, in this case, is you and all the other parents.

Now, according to you, the insurance company is providing your son with coverage that he would have had to pay for previously. But, also according to you, they're doing this without raising your premium. Therefore, he's receiving free coverage under your policy. Now, if true, how long do you think that will last? Seriously, when thousands and thousands of 18 to 26 year olds start racking up medical bills, do you think the insurance companies won't raise their rates? I'm not talking about incremental annual adjustments like we've seen in the past, either. I'm talking about insurance companies paying out exorbitant amounts of money that they will have to recoup somehow.

 

I think the point you're missing is that I do pay for him to be on my health insurance just like I did when he was in high school. My coverage of him works like any other dependent on a policy. He isn't getting anything free here. I wish!

 

Oh, but he actually is! You see, previously, his coverage would have stopped at 18. However, now the insurance company will be paying all his medical bills for another 8 years. He will be receiving all this, as you say, without raising your premium.

 

I'm waiting for these folks to start screaming about having to buy their own insurance when they turn 27. Or the 18 to 26 year olds who don't have a parent's policy they can glom onto. Why was the arbitrary age of 26 chosen in the first place? I assume it was to cover the span of an 8-year college education (or, more likely, to get the votes of that age group). There are 26-year-old doctors out there who are still going to be on daddy's insurance policy.

 

I think you are either challenged mathematically or you really don't want to understand....or both.

Anyone with dependents on their health insurance pays more to have them on it. It doesn't increase my premiums because he was already on my plan. Do you get that?

P.S. 25-18=7

 

When they turn 26 not 27. In spite of your negative view of just about everything, the biggest participants in the dependent coverage turned out to be Republicans. Hum?

My son will graduate when he is 22 and will undoubtedly find a job with health coverage or go to the exchanges and buy his own. That is the most likely scenario. But if it takes him a little while to find the job he actually wants after he graduates, he is covered.

 

P.S. 25-18=D (in Hex...you didn't specify)

 

So now they're upset dependents can remain covered via their parents insurance until they turn 26? Amazing. I guess they don't want anyone covered, even if you do so out of your own pocket. I'd leave mine on indefinitely if I could. What difference would it make? I'm paying for it, not you, not Obama, not anyone else that should matter to anyone else but me. What blatantly asinine logic.

 

When you have to be hypercritical to even sound like you have any semblance of a point, you'll often find that all you're really doing is arguing nonsense. All I hear from these idiots is nonstop malarky. It must be hard to continually have to be wrong about every issue and still have to defend it because your whacked ideology is so much more important. True believers I tells ya.

 

No, it's EIGHT years, not seven. So, you can understand, I'll try to simplify the math since, once again, your math skills are found lacking.

Little Johnny is 17 years old. Tomorrow, he turns 18 and becomes an adult. Starting tomorrow, he can be covered on daddy's insurance until he turns 26 years old. Let's see how long Little Johnny will have insurance:

Year 1 - 18 to 19 years old
Year 2 - 19 to 20 years old
Year 3 - 20 to 21 years old
Year 4 - 21 to 22 years old
Year 5 - 22 to 23 years old
Year 6 - 23 to 24 years old
Year 7 - 24 to 25 years old
Year 8 - 25 to 26 years old

P.S. 26-18=8

 

Why are you counting the year someone is 18?

Besides, last time you said:

NOW DON"T YOU FEEL DUMB? OR JUST HAPPY TO HAVE BEEN BORN REPUBLICAN SO YOU HAVE AN EXCUSE FOR BEING AS SUCH?