Obamacare is almost here - Page 43
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  1. #421
    Community Host Alissa_Sal's Avatar
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    Quote Originally Posted by AlyssaEimers View Post
    That is not true. Someone who already has the option of having job based health coverage could go on the exchange and buy health insurance. They would not however, be eligible to receive credits. That makes it so that there is no way that more than half of Americans are eligible to receive credits.
    Because the exchanges aren't meant to cover those people who are able to get their health insurance subsidized through their insurance. Sure, they are ALLOWED to drop their employer subsidized and buy insurance on the exchange because freedom of choice and all that, but the point of the exchanges is to get insurance to people who didn't have access to it otherwise. If you do have access to it otherwise through your emploer and choose to use the exchange anyway, you will not get the credit. That seems like it would be a stance that the Republicans would agree with, given that they are already upset about crediting the 17 MM people who don't have access to employer subsidized insurance.
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  2. #422
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    Quote Originally Posted by Alissa_Sal View Post
    Because the exchanges aren't meant to cover those people who are able to get their health insurance subsidized through their insurance. Sure, they are ALLOWED to drop their employer subsidized and buy insurance on the exchange because freedom of choice and all that, but the point of the exchanges is to get insurance to people who didn't have access to it otherwise. If you do have access to it otherwise through your emploer and choose to use the exchange anyway, you will not get the credit. That seems like it would be a stance that the Republicans would agree with, given that they are already upset about crediting the 17 MM people who don't have access to employer subsidized insurance.
    My point was this in not helping more than half of Americans. It is helping a small amount of people and hurting a lot of people.

    ~Bonita~

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    Quote Originally Posted by AlyssaEimers View Post
    My point was this in not helping more than half of Americans. It is helping a small amount of people and hurting a lot of people.
    I'm sorry, I misspoke. I should have said "also factoring in the credits that the majority of families for whom the exchanges were intended will receive." I keep forgetting how literal everything gets taken these days.
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  4. #424
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    Actually, here in Mass. if your employer offers you insurance you cannot purchase a direct pay plan through the company or through the connector (our exchange).
    Mom to Elizabeth (6) and Corinne (4)

  5. #425
    Community Host Alissa_Sal's Avatar
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    Interesting. I don't think we have that rule in CO?
    -Alissa, mom to Tristan (5) and Reid (the baby!)

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  6. #426
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    I forget why it started to be honest...direct pay plans are not my service area so the background is fuzzy to me. There's been a lot of changes since we had Mass HCR come through such as not being able to start and stop a plan w/i 30 days because you wanted a surgery paid for things like that.
    Mom to Elizabeth (6) and Corinne (4)

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    Posting Addict Spacers's Avatar
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    Quote Originally Posted by AlyssaEimers View Post
    My point was this in not helping more than half of Americans. It is helping a small amount of people and hurting a lot of people.
    But Alissa never said that. You quoted her yourself back in post #407: "... also factoring in the credits that most families will receive." Not most Americans, most families who will sign up for ACA. The credits are only available to people eligible for ACA, and of those people, the majority *ARE* eligible for credits. This program is helping a lot of people get health coverage who couldn't otherwise afford it, and I think the reality is that most of the people whining about increased costs had sucky plans that didn't really cover anything. Health care shouldn't be for the rich, it should be a basic human right. And I think it's going to turn out that a majority of people are going to be very happy with this in a couple of years when we see the real statistics instead of guesstimates. I read somewhere that, just in California, getting people preventive care to keep them out of the E.R. -- just this one thing -- is likely to save over ONE BILLION dollars.
    David Letterman is retiring. Such great memories of watching him over the past thirty-two years!

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    Quote Originally Posted by Jessica80 View Post
    Actually, here in Mass. if your employer offers you insurance you cannot purchase a direct pay plan through the company or through the connector (our exchange).
    The insurance I have through my employer is not something I can opt out of. There is a plan with no monthly premium or I can buy up to a better plan. The cost is the same whether it is just me or me and 10 dependents. It is cheaper for everyone to have everyone in the pool.

    Other districts allow employees to opt out and receive a small portion of the employer's cost. It's a good option for people whose spouse has the same employer.

    About 10 years ago, my sister's insurance sky-rocketed. It because cheaper to get private insurance one her own for her and her family.

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    I'm not sure if you were just adding on to what I wrote or debating it because I never said you could opt out. We can attest to having other coverage (what dh does since I carry our coverage.) and yes some employers offer money back if you don't take the insurance (both his employer and my employer offer that if we don't take it)
    Mom to Elizabeth (6) and Corinne (4)

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    Quote Originally Posted by Spacers View Post
    just in California, getting people preventive care to keep them out of the E.R. -- just this one thing -- is likely to save over ONE BILLION dollars.
    Medicaid expansion under ObamaCare will lead to more emergency room visits, study suggests | Fox News

    I do not believe it will save any money. For example, someone who has a broken toe that does not have medical insurance might say that there is nothing they can really do for me, tape their toe and go on with life. Someone with really good insurance is going to go to the ER, have an extra and seek appropriate care (Not saying that is wrong, just saying that is how it is). Someone who does not have health insurance is going to think long and hard about going to the hospital or doctor unless it is an emergency. They are also going to find the cheapest way to do things. Wait until morning if it is at all possible so they can go to the doctor instead of the ER. Many of the people that I have met that are on TNcare take their child to the Emergency room for any number of minor issues because it is free. People that I know that do not have insurance, or have $100 ER co pays really think about going to the emergency room and only go if it is truly an emergency.

    I am not saying that it is not a good thing that people have access to medical care. I am saying that it is not going to save money. Yes, there will be people who will go to the doctor and catch deases early, but there also will be floods of people who would have dealt with their problems otherwise that will now go to the doctor. Not a bad thing, but also not something that is going to be free or save money.

    ~Bonita~

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