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  1. #21
    Posting Addict Spacers's Avatar
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    Quote Originally Posted by AlyssaEimers View Post
    For the people who just are not going to have insurance, I would rather them have this than than nothing.
    And I would rather they have real insurance coverage as the law mandates. People choosing to be out of the insurance system doesn't help anyone. Not even their own pocketbooks. Back when we had the original ACA debate, I had time on my hands & I actually looked at some of the coverage the people were complaining about losing. Not a one of them had good coverage to begin with & they were paying higher out-of-pocket fees for everything but they were satisfied because their monthly premium was only something like $89 month. When you add it ALL up, most of them would benefit under ACA and would end up paying less overall. But Americans don't tend to think like that, they want the lowest monthly price possible and then put the rest on a credit card when they actually have to pay the doctor, and when they need to declare bankruptcy due to unpaid medical bills, everyone takes a hit.
    David Letterman is retiring. Such great memories of watching him over the past thirty-two years!

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    Quote Originally Posted by Spacers View Post
    And I would rather they have real insurance coverage as the law mandates. People choosing to be out of the insurance system doesn't help anyone. Not even their own pocketbooks. Back when we had the original ACA debate, I had time on my hands & I actually looked at some of the coverage the people were complaining about losing. Not a one of them had good coverage to begin with & they were paying higher out-of-pocket fees for everything but they were satisfied because their monthly premium was only something like $89 month. When you add it ALL up, most of them would benefit under ACA and would end up paying less overall. But Americans don't tend to think like that, they want the lowest monthly price possible and then put the rest on a credit card when they actually have to pay the doctor, and when they need to declare bankruptcy due to unpaid medical bills, everyone takes a hit.
    We are not talking about people who already have insurance changing to ACA. We are talking about people who would desperately love to have insurance but just do not feel like they can afford it.

    ~Bonita~

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    Devastating: 90 Percent of Uninsured Haven't Signed Up For Obamacare, Most Cite High Costs - Guy Benson

    For extra reading if anyone is interested on why ACA is not the answer to all the healthcare problems.

    ~Bonita~

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    Has anyone ever said Romneycare is the answer to all health care problems?

    Of course it's not. As Gloria mentioned, you still have all the for-profits taking their cuts. It's not in any way a way to cut out the for-profits that are crippling the US health care system. It is not single payer or universal health care. But it's the only one they could pass in the US.

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    Well in somewhat fairness to for-profits, they still have to use a % of premium dollars now to pay out claims. (I think it is 90%). If they use a lesser percentage they have to give premium dollars back.

    It's a start of controlling costs....thanks to the ACA.
    Mom to Elizabeth (6) and Corinne (4)

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    [QUOTE=AlyssaEimers;9117952]We are not talking about people who already have insurance changing to ACA. We are talking about people who would desperately love to have insurance but just do not feel like they can afford it.

    "They feel..."
    "They believe..."

    Maybe *they* need to actually log on, check the costs and see if they qualify for subsidies before they *don't* sign up...don't you think.

    I mean, if I had never been to a store I might think bananas were out of my budget too.
    Mom to Elizabeth (6) and Corinne (4)

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    [QUOTE=Jessica80;9117960]
    Quote Originally Posted by AlyssaEimers View Post
    We are not talking about people who already have insurance changing to ACA. We are talking about people who would desperately love to have insurance but just do not feel like they can afford it.

    "They feel..."
    "They believe..."

    Maybe *they* need to actually log on, check the costs and see if they qualify for subsidies before they *don't* sign up...don't you think.

    I mean, if I had never been to a store I might think bananas were out of my budget too.
    I know several people (Probably most people) including myself checked out the prices to see if it was something that was going to be affordable or a better option. If someone is in a situation where they can not afford health insurance, they are not going to be able to afford the not so affordable care act either.

    ~Bonita~

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    I am just surprised that these people who truly can't afford it also don't qualify for a subsidy of some sort.

    I think for a lot of people, they want "Walmart" insurance. Cheapest price no matter what.
    Mom to Elizabeth (6) and Corinne (4)

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    Quote Originally Posted by Jessica80 View Post
    I am just surprised that these people who truly can't afford it also don't qualify for a subsidy of some sort.

    I think for a lot of people, they want "Walmart" insurance. Cheapest price no matter what.
    There are huge amounts of people out there living pay check to pay check where $500-$1,000 per month on top of their other expenses is just not obtainable. I personally know several people who really, really would love to have insurance but do not feel that there is any way possible that they could afford it. If they could afford it, then they would have already got it. The plans available for ACA are not any cheaper than what was already available in our area. The only people I know of seriously looking into getting an ACA plan are people who are in such poor health that they will not qualify for an individual plan.

    ~Bonita~

  10. #30
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    So they don't have any money for insurance but they don't qualify for a subsidy?

    I live in a much higher cost of living area than you do and if I had to purchase insurance on my own I would be able to afford it and we are not a wealthy family.

    How are they going to afford it if they land in an inpatient situation? ER visit, doctor to triage, room and board and surrounding medical care goes about 50000 for about a 1 week stay. This is non-ICU. This is not counting the follow up to the doctor's after this. Physical therapy maybe. I sure hope they have the money for that. Since insurance is mandated now, you will find that most places will no longer offer free care. It will be their bill. It WILL hurt their credit.

    I guess my priorities are different than your friends.
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    Mom to Elizabeth (6) and Corinne (4)

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