I still don't know what it is, what I get, what it costs me, where I get it, when I get it, how I get it, if I get it.
Does anyone know exactly what this thing is ?
A link to an unreadable do ent isn't exactly helpful.
do you have insurance through your current employer? If so, check your coverage. Chances are there aren't any changes ( at least none that wouldn't have occurred without the ACA). If you don't have insurance through your employer, you will be able to buy insurance via the health exchanges which will be created by 2014.
if you make a significant amount of money on cap gains, you will likely pay an additional tax to help offset the cost of the program.
If you're poor, living in Cali you may qualify for Medicaid under the new new requirements in 2014.
Probably about as helpful as Obamacare is...
Also, if you're self-insured on the "individual" market, no change. I doubt one would find cheaper insurance in an insurance exchange. Gouging, predatory gougers don't do "cheaper".
oversimplification: putting a tax on healthcare so it pays for those who cant afford it
I note that a key REPUG item of "reduce Medicare spending", aka reduce doctors' payments, has been delayed another year, like for 15 years in a row.
The gouging, "free market" for-profit doctors set national health care policy for seniors, not the govt.
The ONLY solution is govt-employed, salaried, health care people who pocket NO fee-for-service and pay no overheads, plus govt health universal health insurance.
Yep.
Just got my companies renewal health insurance premium quote for 2013.
Going up 21.42% in one year.
4% of my total new premium is going directly to the Federal Government to pay for Obamacare.
Sets minimum standards on the percent of your premium that has to be paid out in benefits overall across all the insured in your state on that insurance company's plan. If the company does not meet the standard, you get a refund. Last year I got a refund from BCBS because in Texas they paid out less than 80% of the premium amounts collected. They only paid out 71% so I got a refund of 9% of my premium back.
You blame that exclusively on ACA?
That's not a increase that vastly larger than what has been seen well before ACA.
I figure the insurers are plumping up their profits behind the lie of blaming it all on ACA. This is capitalistic America. Big corporations are supposed to their clients at every opportunity.
eliminated pre-existing conditions and makes it easier for women to be s
So let me see if I get the math right. Your premium increases by 21.42 cents for every dollar. 4% of that new total (i.e. 4% of 121.42) is 4.8 cents per $ that goes to the government. This means that the rest of the increase, i.e. 16.62 cents (that's 21.42 - 4.8) is basically the added cost of doing business for an insurance company now that:
- It can't exclude people with pre-existing conditions
- It has to provide "minimum essential benefits"
- It has to "even out" the premiums charged for young and old people
As many said at the start, while the ACA addresses coverage, it does little to address the main problem in the healthcare industry: the bloated costs of providing healthcare compared to other countries. The most effective way of pushing costs down is via the bargaining power of a single-payer system.
"does little to address the main problem in the healthcare industry: the bloated costs of providing healthcare"
the health care industry powers made sure that ACA increased their revenue (our costs), not decreased, and above all, a public insurance option was abandoned.
for-profit corporations make public health care policy, which "suck wealth from citizens with excessive costs", not the govt.
Last edited by boutons_deux; 01-04-2013 at 12:05 PM.
That's the law
That you don't feel like reading through it is your problem. OP had a lot of questions, there he can find all the answers if he cares enough to read.
The law is fairly complicated. I'm sure you can find cliffnotes that don't necessarily cover the whole thing all around the web.
I still don't know.
if EL is in state that's participating in ACA, he should try histstate.gov to find histate's state insurance exchange.
It's a wealth redistribution scheme passed under the guise of healthcare whereby money will be seized from responsible successful people and distributed to the ticks and leeches that form the democrats base.
It's a humanitarian project to provide medical care to people denied insurance by the for-profits sons of s, to provide medical care not in the ER but in primary care offices, to reduce or eliminate medical bankruptcies.
The Shame of American Health Care
Even as Americans struggle with the changes required by health care reform, an international survey released last week by the Commonwealth Fund, a research organization, shows why change is so necessary.
The report found that by virtually all measures of cost, access to care and ease of dealing with insurance problems, Americans fared poorly compared with people in other advanced countries. The survey covered 20,000 adults in the United States and 10 other industrial nations — Australia, Canada, France, Germany, the Netherlands, New Zealand, Norway, Sweden, Switzerland and Britain, all of which put in place universal or near-universal health coverage decades ago. The United States spends far more than any of these countries on a per capita basis and as a percent of the national economy.
For that, it gets meager results. Some 37 percent of American adults went without recommended care, did not see a doctor when sick or failed to fill prescriptions in the past year because of costs, compared with 4 percent in Britain and 6 percent in Sweden. Nearly a quarter of American adults could not pay medical bills or had serious problems paying them compared with less than 13 percent in France and 7 percent or less in five other countries. Even Americans who were insured for the entire year were more likely than adults abroad to forgo care because of costs, an indication of how skimpy some insurance policies are.
When Americans got sick, they had to wait longer than people in most of the other countries to get help. Fewer than half were able to get same-day or next-day appointments with a doctor or nurse; one in four had to wait six days or longer. (Only Canada fared worse on both counts.) But Americans got quicker access to specialists than adults in all but two other countries.
The complexity of the American insurance system is also an issue. Some 32 percent of consumers spent a lot of time on insurance paperwork or in disputes with their insurer over denials of payment for services they thought were covered.
The Affordable Care Act was created to address these problems by covering tens of millions of uninsured people and providing subsidies to help many of them pay for policies; by setting limits on the out-of-pocket costs that patients must bear; and by requiring that all policies cover specified benefits.
Americans are understandably frustrated with the Obama administration’s failure to produce a functioning website. President Obama’s erroneous statements that all people who like their current insurance policies can keep them — not true for many people buying insurance in the individual market — has added to anger and misunderstanding. The reform law, however imperfect, is needed to bring the dysfunctional American health care system up to levels already achieved in other advanced nations.
http://mobile.nytimes.com/2013/11/18...alth-care.html
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