Skip to comments.ObamaCare rates trigger more sticker shock
Posted on 10/12/2013 6:56:35 PM PDT by jazusamo
Video at link.
Andy Mangione, who lives in Louisville, Ky. with his wife Amy and their two boys, is doing the same thing millions of people are doing --trying to figure out how much his insurance will cost under ObamaCare.
Before the exchanges opened, his insurance company said his rates would soar. But now that there are subsidies, he's been trying for days to find out how much he would get.
"To logically compare plans, I've been calling them every day since October 1st," says Mangione, "several times a day on some occasions. Sometimes enduring 45, 50 minute holds, half an hour holds."
Although Kentucky officials were unable to give him a firm number on his subsidy because of repeated ITproblems, they did refer him to a Kaiser Family Foundation site, which suggests his subsidy will be $414 a month -- on a premium of $868.
"What I'm concerned about is our doctor visits, our emergency room visits, and what I'm paying in my premium," says Mangione.
The problem is the plan closest to what he has now will mean a 24 percent increase over his current payment-- after subsidies.
And his co-pay for emergency room visits almost tripled -- from $125 to $350 -- an important factor for a family with two young boys.
(Excerpt) Read more at foxnews.com ...
The bottom line is people who couldn’t afford health insurance in the first place are still not going to be able to afford it - only this time the government has an excuse to make them even more poor by stealing whatever pennies they have left. Welcome to communism 101.
We should catalog all of the articles where Freepers predicted what a mess Obamacare would be. We just might be able to win back some voters by saying “we told you so”, and then showing them.
Yep, blatant lies by 0bummer and the Rats to shove this down everyone’s throats and now they ignore the truth that’s surfacing.
Commies would be proud and in fact those inside our government are, and there are many.
Remember in the 1980s if you had a car accident they would raise your rates almost double? I remember paying close to $5000 one year because I had two accidents.
Then they put car insurance on the free market.
That’s why you constantly get 900000 Geico, Prudential, Allstate ads a day now and why if you have an accident they pretty much do not do anything.
THE FREE MARKET...In other words ...COMPETITION!
But the Treason party doesn’t want that for health insurance.
Because this is not about health insurance. This is about...
The plans with low premiums have the high deductibles. Have to pay more for those gold level plans to get the more reasonable deductibles like $500, at least from some of the online estimates I’ve seen so far (by putting in various income levels).
Tax credits for premiums and co-pays will help, but only low-income people will qualify for both credits. People will really need both credits to have something considered AFFORDABLE.
I’ve got “Tricare Prime” as a retiree. For both me and my wife it’s about $550 a year. We’ve got a $12.00 deductable.
I’m waiting to see what the damage is going to be next year...
It's more like fascism.
For a lot of Obama voters though, $1 is sticker shock. They thought it was going to be free.
You’re exactly right, even many of the working middle class 0bama voters.
obammacare people need to realize that they will have a higher co-pay and a higher deductible. The premium increase is just the tip of the iceberg.
Nevertheless, I was in the store yesterday to pick up my 90 day refill (usual co-pay $13), the lady says "$144.xx please.... My first thought was Oh $#it! Did my benefits change already? I asked the clerk to double check, she said "oh I'm sorry, we didn't process your insurance ... a few taps on the register and the amount was $13.
Point is, I said to her "yeah, well, next year when this Obamacare kicks in, it might be $144 ... and she replied:
YEAH, WE ALL MADE A BIG MISTAKE VOTING THIS IN....
I can imagine.
You have to figure next year will be worse.
Well, maybe you shouldn't let them climb trees or ride their bikes recklessly.
Sheesh. We raised two active boys and not once did either of them require a visit to the emergency room. We warned them that there were boundaries and if they exceeded them, privileges were revoked. Accidents can happen, even in the best of circumstances, but parents have to assume some responsibility and keep their kids under control.
Well said. If you cannot afford the government health insurance, that justifies the government in demanding by penalty of law the payment of a fee.
The fee in 2014 is 1% of your yearly income or $95 per person for the year, whichever is higher. The fee increases every year. In 2016 it is 2.5% of income or $695 per person, whichever is higher.
In 2014 the fee for uninsured children is $47.50 per child. The most a family would have to pay in 2014 is $285.
It’s important to remember that someone who pays the fee won’t get any health insurance coverage. They still will be responsible for 100% of the cost of their medical care.
I wonder what his deductible is going to be. When I looked at the silver and bronze plans the emergency room care had a flat fee, but it was after the deductible had been met
The kicker is that the deductible, even on the silver plan, was $2500 per individual/$5000 per family. On the bronze plan the deductibles and max out of pocket were the same $5200/$10,400. Better not get sick a lot. The price will kill you.
People will not have to pay a penalty if the cost of insurance exceeds 8% of their income. They can receive an exemption.
Oh good grief - my sympathies to your sons.
I raised 4 boys and - we had rules and they were taught caution, but allowed to be CHILDREN - and if they got hurt, they didn’t get punished for it.
Does that mean that if my annual income was $10,000, and the annual cost of insurance is $10,800, I am exempt? That is not a great situation. The Federal Government has authorized the IRS to be a dominatrix. I can see the statement, "SUFFER BITCH! YOUR INCOME EXCEEDS THE 8% LEVEL."
“You’re also exempt if you have to pay more than 8% of your annual income toward health insurance premiums.”
here’s a link for that quote:
Just wait until these ignoramuses discover the difference betwee n"coverage" and "access". "Oh, you're covered for this broken leg, no problem. Take a number and wait for a month or two. Or four."
Noumenon, over here in the next state over from you the average wait time in our standalone ER has been 6 minutes (just mentioned in a newspaper article). Since so few are signing up for O’care I don’t think it’s really going to change much.
If the annual premium is over $800. Thought it was actually 8.5%.
Thanks Democrats. We will be voting against you till the end of time.
Wait till our grown children see your Penalties, oh Excuse me - increased taxes. They will surely love you to see their hard earned money - vanish into the maw of socialism.
“The bottom line is people who couldnt afford health insurance in the first place are still not going to be able to afford it...”
And it seems like many who COULD afford it now won’t be able to.
It’s as if the gov’t said: you have to buy a car, but it’s got to be a cadillac.
Sticker shock doesn’t matter. We are required by law to buy the product that Obama and Pelosi demand we buy. Whether we like the price or the quality/features is irrelevant.
Get enough people to tilt the balance way off kilter and the whole thing will collapse, the whole shabang in its fallacy was designed to work with 100% population enrollment.
But those freedom loving die hard bitter clinger christians won’t accept communism and are saying, “Eff U Obama and the lame horse you ride!”
And all of America unites against Obamacare, we are swarming, we are gathering, we are unstoppable.
We are The Tea Party.
Of course, my sons weren’t kept on a leash. They had fun, but as you said, they were taught caution.
Maybe I didn’t express it well. In my neighborhood, I saw all kinds of dangerous things going on. Kids building ramps and jumping their bikes off them. Skate boarding, roller blading IN TRAFFIC without any head or other protection.
Not only climbing trees, but seeing who could jump out of them from the highest branch.
And this was going on with their parents in the house/yard.
All of us pay when parents are negligent.
Yeah, in the ‘60s we did that stuff where mom and dad couldn’t see it.
We had Frequent Triage cards for our two boys. Every tenth set of stitches was free!
I was pleasantly surprised my Healthcare Savings Account didn’t change for 2014. At one point in the battle over the ObamaCAIR bill they were saying HSAs would be eliminated.
No. You need to re-read what Cedar wrote.
Freep-mail me to get on or off my pro-life and Catholic List:
Please ping me to note-worthy Pro-Life or Catholic threads, or other threads of general interest.
For many individuals, that means that if the monthly premium is more than $300/month, they won’t face the penalty tax.
(For 2012, the median individual income was $42,693, which would calculate to a monthly premium of $284.62.)
So, I was wrong. The Obamacare premium is calculated after applying the fedgov subsidy you qualify for.
I had an ER visit in 2010. I got the barest minimum of care, a tetanus shot, a shot of morphine, was there a bit over an hour (had to wait for DH to drive 45 miles to come and get me)and the charge was $1000. Medicare paid $20-something, my supplement picked up a bit over $200 and I never saw a bill, so I suppose they ate the overage. $350 for the ER is a good price, today.
Rural area, good hospital, lots of MDs, low unemployment.
my sister just went to a clinic for a tetanus shot, probably be $50 just to walk in and another $80 for the shot.
He has got to help subsidize those illegal aliens and other “deadbeats” out there. You know, his unfair share.
That’s my understanding...tax credit is based on modified adjusted gross income and family size. So, the premium people will see through the marketplace will be adjusted lower for those who qualify for those tax credits. They can take the tax credit now (which will lower their monthly premiums), or they can wait and receive the credit when they file taxes for the year ending (they pay the full premiums all year but then get reimbursed when filing taxes).
The cost reductions (lower co-pays, lower deductibles) are only available for those with incomes up to 250% of federal poverty level; while the tax credits for the lower premiums are available for those with incomes up to 400% of federal poverty level.