Do liberals not understand the meaning of DEDUCTIBLE?

You said it yourself...it's the least expensive.

Wow! Never seen the ACA get credit for high deductible plans having the cheapest premiums, until now!

Sounds like you're the one, OP, who doesn't understand the point of deductibles.

Wossamotta wrote:

Sounds like you're the one, OP, who doesn't understand the point of deductibles.

Sure, buddy. Go ahead and explain it to me?

Affordable healthcare? wrote:

The least expensive Obamacare plan has a $5000 deductible. That means you would have to run up out-of-pocket medical expenses of $454 each month before your insurance plan kicks in.

After 12 months the clock starts all over again.

Explain how that is "affordable" or beneficial to me?

Be careful with your mixed uses of health care terms. Out-of-pocket is a different limit than the deductible. A quick check of Healthcare.gov shows me that there are certainly plans where the out of pocket maximum is equal to the deductible, but in some cases the out of pocket max is a little above.

also:

"The maximum out-of-pocket cost limit for any individual Marketplace plan for 2014 can be no more than $6,350 for an individual plan and $12,700 for a family plan."

That is a lot better than unlimited!

from my memory, high deductible plans I've had at work often have had comparable limits to those above.

I agree that the liberals have missed the mark here though. They really should have pushed for single payer. Politicians are pretty gutless, so I can see why they didn't.

Affordable healthcare? wrote:

Wossamotta wrote:

Sounds like you're the one, OP, who doesn't understand the point of deductibles.

Sure, buddy. Go ahead and explain it to me?

Health insurance protects you from catastrophic costs that would otherwise bankrupt you. It also does the negotiating for you, which is a pain in the a$s otherwise. In order to accomplish this without high premiums, some plans have large deductibles.

You're right that part of the reason that the ACA is so messed up is because it includes so much compromise.That said, the insurance plan that the OP is referring to isn't an "Obamacare" plan. It's a plan provided by a private insurance company. These plans have always been available and have always been the cheapest plans.

I understand it. Now where is my free Obama phone?

For the life of me, I cannot understand the support for the ACA. It is terrible. I am for single payer. All the ACA turned out to be was a huge handout to big insurance companies.

Why so much support from Liberals?

I am dead serious, too. You can argue logistics about how some people won't be bankrupted by medical bills, but these are the people who really aren't concerned about bankruptcy anyway.

We need to get to the bottom of affordable health care. This is clearly not it. As a democratic-leaning man, I think this is actually worse than the GOP-run insurance scams we've had for the past 20 years.

Sickening.

This does not mean that I agree with the jerkoffs on the right. They'd probably screw it up even more. The truth is that no one cares about affordable care. If they did, they would support cash doctors and single-payer plans.

This is a step in the right direction. In other words, it's better than nothing. The rate of increase for health care costs has already been slowed by the ACA. It's far from perfect, but we all know it is a work in progress. Single payer is coming. Be patient.

What is an Obamacare plan?

I thought Obamacare was an expression used for Obama's healthcare law.

The law says you must attain healthcare insurance.

You can use your employer's plan, find your own plan or use the new exchanges that have been set up.

Anything within those guidelines is Obamacare.

My plan is less expensive than the plan mentioned by the OP.

So the OP's mentioned plan is not the least expensive plan through Obamacare.

Understand?

And for the person who signs up for this plan, what were the choices before the law?

L L wrote:

What is an Obamacare plan?

I thought Obamacare was an expression used for Obama's healthcare law.

The law says you must attain healthcare insurance.

You can use your employer's plan, find your own plan or use the new exchanges that have been set up.

Anything within those guidelines is Obamacare.

My plan is less expensive than the plan mentioned by the OP.

So the OP's mentioned plan is not the least expensive plan through Obamacare.

Understand?

Since the OP didn't mention the price of the premium, how do you know your plan is less expensive?

The thing with the high deductible plans is they are cheaper if you don't use them. If you are young and healthy they are the best way to go. If you are sick or have young kids it often is better to pay a higher premium to get a lower deductible.

It all depends on the risk you are willing to take. It also helps if you have enough money in savings to cover the amount of the deductible. That is the point of the HSA.

What do you mean by "that is a lot better than unlimited!" Are you implying that is was typical prior to obamacare to have unlimited out of pocket? Sounds like you're another leftist moron who is confidentally ignorant.. We've switched from a system that was burdened by excess govt regulation - and therefore unnecessarily expensive - to one where govt regulation was greatly increased, which is resulting in less choice, higher premiums, & poorer care. You assclowns still don't get it though - nor do I expect you too..

Ins 101 wrote:

Since the OP didn't mention the price of the premium, how do you know your plan is less expensive?

Fair point. The OP did not mention the premium.

It can't be less than zero. And we can assume there is some premium.

And you can't even calculate cost with deductibles anyway, just potential costs.

The point still is that all choices must be considered, not just those within the exchanges.

jeffrey d. boomhauer wrote:

What do you mean by "that is a lot better than unlimited!" Are you implying that is was typical prior to obamacare to have unlimited out of pocket? Sounds like you're another leftist moron who is confidentally ignorant.. We've switched from a system that was burdened by excess govt regulation - and therefore unnecessarily expensive - to one where govt regulation was greatly increased, which is resulting in less choice, higher premiums, & poorer care. You assclowns still don't get it though - nor do I expect you too..

I think by "unlimited" he meant "everything you've got". Yes, it was not unusual for people to go bankrupt because of health care costs prior to Obamacare.

As for your silly "burdened by regulation" statement, the only idiots who believe that are the ones working for the insurance industry. Without government regulation, the insurance industry would charge sky-high premiums and never pay out a cent. They are crooks, pure and simple.

Single payer? That works sooo well. I mean lines that cause actual real deaths. 10 years ago I'd rather be treated in a regular hospital than a VA one (basically single payer). My chances at survival were better. I can give you real stories of people dying unnecessarily. All this is going to do, like England, is separate the elites from the lower class with cash only doctors. Good work America.

Single payer is clearly better, but ACA is a HUGE improvement over pre-ACA days. My wife had spinal fusion surgery as a kid to correct scoliosis. She used to by her own health insurance and could not make any claims for anything related to her back as it was a pre-existing condition. My mother had cancer twice. The first was a very rare and aggressive cancer that required surgery and very advanced treatment. The second was not as serious, but at that time she was nearing her lifetime max and was only saved by old age and medicare. Her pre-medicare premiums were outrageous when she had to buy on her own (step father lost job and group health plan). Under the ACA, this crap is all over with and gone.

I am moderately conservative and agree. I don't believe ACA is the best answer to the healthcare issues in this country but clearly it is better than no answer.

I don't really benefit from it since I have a group plan but a lot of people were helped as a result of ACA. It will take another 5 years to see the real impact it has overall on the healthcare system.