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Obamacare: Is a $2,000
deductible ´affordable?´

CNN, by Tami Luhby

Original Article

Posted By:toledo, 6/13/2013 10:49:40 AM

NEW YORK Until now, much of the debate swirling around Obamacare has focused on the cost of premiums in the state-based health insurance exchanges. But what will enrollees actually get for that monthly charge? States are starting to roll out details about the exchanges, providing a look at just how affordable coverage under the Affordable Care Act will be. Some potential participants may be surprised at the figures: $2,000 deductibles, $45 primary care visit co-pays, and $250 emergency room tabs.

      


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Reply 1 - Posted by: thethirdruffian, 6/13/2013 10:56:35 AM     (No. 9373958)

Yes, it is.

My insurance is $5000 deductible after which 100% is paid. We have a health savings account with $6400 or whatever the max is each year.

Very easy to figure out and somewhat reasonable for my company.

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Reply 2 - Posted by: Chuzzles, 6/13/2013 11:10:15 AM     (No. 9373985)

With everybody scrambling to pay fuel costs, eat and pay housing, $2000 per month is absolutely ridiculous. They know that. Most of the money will likely come from folks paying the fine instead.

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Reply 3 - Posted by: M2, 6/13/2013 11:13:32 AM     (No. 9373990)

So CNN is suddenly into examining ObamaCare? Had these alleged news outlets done their homework, we wouldn´t be in the position of having to "pass the bill so we can see what´s in it."

It´s dangerously naïve to conclude that the thousands of pages in the ObamaCare regulations have been read or analyzed by anyone until the bill became public. Even now, it´s so byzantine that it´s hard for even legal beagles to follow, but they´re trying.

Headlines in local newspapers and national TV shows and papers now print things like, "Health care costs under Obamacare skyrocket" or "...increase by 1000%". The lie that was push thru Congress is only now beginning to come to light and even CNN is asking questions.

Good. Now, let´s find the guts to overturn this monstrosity.

OPEN LETTER TO CONGRESS: When I think that you people don´t have to abide by the laws you pass or that hundreds of waivers for Obamacare have already been issued, I am furious. Sleeping well at night?

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Reply 4 - Posted by: Charactercounts, 6/13/2013 11:22:22 AM     (No. 9374005)

#3, Betsey McCaughey, former NY state lieutenant governor, has been reading, interpreting and warning us about Obamacare since the beginning.

The things she warned about are coming to fruition, and it´s not pretty.

People will pay a let more and get a lot less coverage for it. And it looks like there will still be millions who aren´t covered at all.

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Reply 5 - Posted by: Johnny Angle, 6/13/2013 11:35:37 AM     (No. 9374035)

I forget, Barry, why do we have this Obamacare any way? What do you mean when you say it is the "Affordable Care Act"?

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Reply 6 - Posted by: stablemoney, 6/13/2013 12:06:22 PM     (No. 9374090)

I have a $2,110 annual deductible. I could get it reduced by paying another $100 a month premium. That is the choice: higher premium or reduced premium and higher deductible. Doctors and hospitals don´t work for free.

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Reply 7 - Posted by: oh-heck, 6/13/2013 12:18:49 PM     (No. 9374123)

The PCIP (preexisting conditions insurance pool) was costing taxpayers $32,000 per patient per year as of early Feb when they suspended enrollment. These patients will all be shifting to conventional insurance exchanges. Unless a lot of healthy people sign up, Obamacare will be bankrupt by April.

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Reply 8 - Posted by: suziesuburbanite, 6/13/2013 12:22:28 PM     (No. 9374140)

Actually this pushes the plans closer to real Insurance rather than a prepaid healthcare policy. Of course why buy it if you can get a policy in the ambulance?

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Reply 9 - Posted by: shalimar, 6/13/2013 12:23:28 PM     (No. 9374142)

I looked at the California options. It´s not what people assume.

After the deductible, insurance still only covers part of the expense. The co-pays are large compared to what I´m used to. I have no co-pay for an urgent care visit; the CA silver plan charges $80. A primary care visit co-pay is $40; twice what I pay. And you have to pay 20% of the negotiated rate for hospital stays and outpatient surgery--up to the catastrophic maximum which is also higher than what we have.



Certain things are not subject to the deductible (basic visits, tests), but for the price, this is not what I would consider good insurance.

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Reply 10 - Posted by: NorthernDog, 6/13/2013 12:29:39 PM     (No. 9374156)

Obamacare is counting on millions of currently uninsured to buy insurance and not actually use it. Bernie Madoff went to prison for a far lesser scheme.

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Reply 11 - Posted by: Ken M., 6/13/2013 4:07:48 PM     (No. 9374627)

We are headed to a two-tier system. The health care professionals who won´t accept insurance will thrive in a free market, with competitive lower fees. While those who depend on insurance and Øcare will become increasingly bogged down with all the paperwork -- plus less time for their patients and a lower quality of care. Another plus for the free market: the caregivers will have the flexibility to vary their fees, and will be able to care for the truly needy at no charge.

http://finance.yahoo.com/news/obamacare-driving-doctors-stop-taking-221939584.html

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