DescentBB

So I called my insurance company (Blue Cross) as I got a letter from them verifying how much smoke Obama was blowing up out nether regions. I almost went into cardiac shock when they said my $270.00 a month plan was going to be 555.00 a month and the plan was worse than what I have right now. As I was clawing at my throat trying to force a aspirin down it so I could survive long enough to get to the emergency room the nice rep then said something about subsidies. Trying to talk around the acrid taste of the aspirin I mumbled what? Then she went on to explain how I would get 600.00 as a subsidy. I said wow, 600 against the 6500 that the cheap ass bronze plan cost isn't a lot. She said, no...you get that every month. My heart stopped seizing up and and my highly tuned mathematical brain understood what she was talking about.

So instead of Bronze the nice lady said I should look at the Silver plan with much lower out of pocket expenses and after the subsidy (730.00-600.00) leaves a net payment of 130.00 a month or roughly half of what I am now paying. So I will spend a few days mulling it over. Whats to mull it over you say? Well here's the situation. I can go on medicare plan B (already on A) and get a supplemental plan thru Blue Cross but that will cost me about 252.00 a month Plan B 104.00 + Supplemental 148.00). If you do not pick up Plan B the cost per month goes up 10% a year for every year you do not have it. So do I get the Silver plan and save 122.00 a month over the Plan B+Supplemental and wait until I am 70 to switch to Plan B or go for it now? Such are the things you can look forward to when you turn 65.

Now...where is the govt coming up with the 600.00 a month subsidy to pay people with?

Yeah, got my notice in the mail, that they were going to raise mine from 123 to 135... This has gone too far!

the plans are priced pretty nicely right now.
but the price structure is based on a lot of unrealistic expectations. Like the young people paying through the nose for their expensive plans instead of remaining uninsured and paying the tiny penalty. it will be a few years before the penalty rises high enough to bring enough revenue in to counter the youngsters who wont see a reason to pay the higher rates they are facing.

then the millions of illegals that can elect to stay uninsured AND illegal to avoid the fine, keep using the emergency rooms and free clinics, thus not contribute at all even though they were counted as part of the calculation of uninsured that will sign up for the proponents of the plan to be able to say the ACA is sustainable....or they choose to get put on the grid to receive the almost free coverage they will qualify for which will add a net-negative to the balance sheet, counter to the premise they will add to the revenue to sustain the ACA...

So, yea, right now is a good time to buy insurance from the new ACA....if you can get the web site to work....but I don't expect the rates to stay where they are.
No one in the industry does either.

I guess if we want to unilaterally disarm we could afford it. Putin seems like a reasonable guy China? N. Korea? Islamofacists states? We should be alright after they make their changes to the world...(actually I think we would and should let them)

It's a hell of a clusterfluck for the next decade while that ever so efficient Congress will move us to the single payer system that the ACA is the Trojan Horse for

I'm glad I'm grandfathered. My health insurance premiums are staying well under $300 a month........for now. If I'd changed ANYTHING 2 years ago, I'd be paying at least $360 a month through the ACA, if not more. But I'm not holding my breath. Things will continue to go up because the ACA has no way to control costs. Sticking the young uninsured with high premiums in an effort to put more money into a broken system isn't going to solve the problem either.

I know the tea partiers want to kill Obamacare. Well, they need a little patience, because it will either implode under it's own weight, or actually end up saving us money, although I seriously doubt it. The only way to find out is let things run for a bit and see if it's underpinnings are weak.

woodchip wrote:So I called my insurance company (Blue Cross) as I got a letter from them verifying how much smoke Obama was blowing up out nether regions. I almost went into cardiac shock when they said my $270.00 a month plan was going to be 555.00 a month and the plan was worse than what I have right now. As I was clawing at my throat trying to force a aspirin down it so I could survive long enough to get to the emergency room the nice rep then said something about subsidies. Trying to talk around the acrid taste of the aspirin I mumbled what? Then she went on to explain how I would get 600.00 as a subsidy. I said wow, 600 against the 6500 that the cheap ass bronze plan cost isn't a lot. She said, no...you get that every month. My heart stopped seizing up and and my highly tuned mathematical brain understood what she was talking about.

So instead of Bronze the nice lady said I should look at the Silver plan with much lower out of pocket expenses and after the subsidy (730.00-600.00) leaves a net payment of 130.00 a month or roughly half of what I am now paying. So I will spend a few days mulling it over. Whats to mull it over you say? Well here's the situation. I can go on medicare plan B (already on A) and get a supplemental plan thru Blue Cross but that will cost me about 252.00 a month Plan B 104.00 + Supplemental 148.00). If you do not pick up Plan B the cost per month goes up 10% a year for every year you do not have it. So do I get the Silver plan and save 122.00 a month over the Plan B+Supplemental and wait until I am 70 to switch to Plan B or go for it now? Such are the things you can look forward to when you turn 65.

Now...where is the govt coming up with the 600.00 a month subsidy to pay people with?

from people like me, who don't qualify for a subsidy, and from long-term savings from increased effeciencies to Medicare(long overdue anyway). You don't have to thank me, though it would be nice.

With my current meager amount of income per year, I should qualify for the Medicaid expansion, but our illustrious dumbass of a governor here in PA has only just now started looking into what's required to do that. So as of right now, I'm not even sure where I fit in. Maybe it's time to have a nice sit-down with that website.