Re: So, it is not only the web site, but people are paying more
posted at 10/13/2013 1:43 AM EDT
In response to thehub's comment:
In response to andiejen's comment:
In response to skeeter20's comment:
Democrats love to give you averages and impossible to meet scenarios to make dubius claims about how rate are lower, but where the rubber meets the road, is that the very people this was supposed to help, are p1ssed, as they face higher premiums, and in some cases, bankruptcy looms in the future.
Read the facebook posts inthe linnk below, and tell me this is good for the middle class. you can't, because it isn't.
When wil lthe Democrats stand up and join the conservatives in defending the middle class?
We are talking about Breit Bart from FOX...Fair and Balanced, yes?
And we are talking about dubious claims, yes?
Some people may be headed for bankruptcy but NOT because of Obamacare. In fact, just the opposite. Along with loss of employment, medical bills are the top two reasons people end up filing for bankruptcy.
In addition, you are aware subsidies are available to pay for your premiums. The amount of the subsidy varies depending on household income and the size of your family. In fact, this is one of the many complaints conservatives have with Obamacare...a provision to make it more affordable for lower income families.
Does that sound like a plan that is going to drive a family into bankruptcy?
The subsidies will lower the cost for some. However, the real cost of the plans have gone up. The subsidies are slanted towards the bronze ansd silver plan. Those plans are very weak. The Silver offers a cost share savings as well for some, this will lower the deductible and max out of pocket limits for the member. Many will not get a subsidy due to family income or one spuse have "affordable" coverage offered to them even if they decline that coverage. This is the 9.5% rule. This will cause issues for some voters when they learn that at point of enrollment.
Real life - I helped 8 clinets on Friday and everyone of them had rates increase of $200 per month (all family plans) if they moved to the new plans 1/1/14. The carriers have raised the rates and weakend the plans. Atleast in my market. VA MD DC.
All the plans are the same in or out of the market place as well.
The bronze and silver plans are the bottom 2 tier plans, yes?
They are also the least expensive plans.
You catagorizize them as weak. I see them as getting people with no health insurance into having some health insurance, at a very low cost.
Perhaps somewhat akin to catastrophic health insurance. So when a family is hit with massive health bills due to an illnesss like cancer or a serious injury requring multiple operations and rehab, they are not wiped out and driven into bankruptcy. (Not to mention having their credit ruined for some time.)
To the younger, healthier population, these plans might be a good start to draw them into being covered. They do not cost very much and they will have to pay a penalty...i.e. the individual mandate...if the do not have some health insurance in any case. Why pay a penalty and get nothing when you can pay a very lost cost premium and have health insurance at some level.?
It may also start this population into thinking that health insurance is not a frill expense, but a responsible item to have as a grown adult.