Is a $5,000 deductible Obamacare policy fair to the poor?

[jon_berzerk]

When was the last time you had surgery or were in a hospital?

What business is that of yours?

You are making the claim that you haven't needed insurance. Trying to see if it is true

I suspect, given your age group, that it is not

Don't be a dumb fuckin' ass.

I said I did not have insurance or need it when my kids were being born.

I'm 66, on Medicare I paid for for years, whether I want to be or not.

So other taxpayers are paying for your healthcare

I can see why you want to deprive it to others

Oh fuck yourself.

I paid for a Medicare premium for 25 years before I went on Medicare.

Why are you parasites such dishonest fucks?

I also pay for a supplemental plan.

Why do you always argue from such a lying, dishonest POV?

they have to be it is how they operate

i mean why else would one have to pass a law

to read what was in it

 

[Care4all]

That is what we used to call "catastrophic coverage".

My friend, a single mom, working as a bank teller can't even take her kids to the doctor now that the bank dumped them all onto Obamacare.

She tells me she struggles to pay the premium, and still can't see the doc.

I didn't ask what the premium is, will try to remember when I go to the bank today.

What kind of working class people can handle a $5,000 deductible.

That in itself is a catastrophe.

Mine, through the evil Blue Cross/Blue Shield is $300.

It was probably more fair to have us pay the tab like before. It was a win for the poor as they did not have to pony up the deductible and could be treated anyway. Now they will have a mandatory must pay bill to deal with.

Yes, those who elected to have insurance pre-Obamacare paid the tab.

I was good with that

-Geaux

I like the way the libs ignore the fact that those of us on Medicare paid every month for 20-30 years before we got on the plan, and then claim "the taxpayers" pay for our healthcare.

Shit, we ARE the taxpayers.

what is collected in Medicare taxes is not enough to pay for medicare coverage, so the tax payers pick up the tab on that.... When the Medicare Pill bill was passed, congress did not fund it with higher medicare taxes and we the people pick up the tab, NOT medicare taxes.

 

[Care4all]

What business is that of yours?

You are making the claim that you haven't needed insurance. Trying to see if it is true

I suspect, given your age group, that it is not

Don't be a dumb fuckin' ass.

I said I did not have insurance or need it when my kids were being born.

I'm 66, on Medicare I paid for for years, whether I want to be or not.

So other taxpayers are paying for your healthcare

I can see why you want to deprive it to others

Oh fuck yourself.

I paid for a Medicare premium for 25 years before I went on Medicare.

Why are you parasites such dishonest fucks?

I also pay for a supplemental plan.

Why do you always argue from such a lying, dishonest POV?

they have to be it is how they operate

i mean why else would one have to pass a law

to read what was in it

They had months to read what was in it and did read what was in it....shoot even we read what was in it, before it passed and had thread after thread on it, the final draft is what they did not have time to read.

 

[jon_berzerk]

.




"
You are simply wrong on ALL accounts on this roadrunner.

there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:"


Never use the word all, there are many who get a subsidy that do not get cost sharing.

You are correct in that IF they qualify for Cost Sharing they MUST select Silver but without it they can choose whatever plan or metal level they want.

"ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first...."

No,not all plans have co-pays.

this is based on a person making less then 14 k a year age 55

DAKOTACARE · Dakota Reserve 6000
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare

• Bronze HMO
• National Provider Network
• Plan ID: 62210SD1450003

ESTIMATED MONTHLY PREMIUM
$5

• Premium before tax credit: $390

ESTIMATED DEDUCTIBLE
$6,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,000Estimated individual total

COPAYMENTS / COINSURANCE

• Primary doctor:No charge after deductible
• Specialist doctor:No charge after deductible
• Emergency room care:No charge after deductible
• Generic drugs:No charge after deductible

PEOPLE COVERED

• Person Number1 (Age 55): Covered

MORE INFORMATION

• Summary of Benefits
• Plan brochure
• Provider directory
• List of

---------------------------------------------------

Avera Health Plans · Avera MyPlan $5,000 / 30% Coinsurance, Pediatric Dental
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare

• Bronze PPO
• Plan ID: 60536SD0020023

ESTIMATED MONTHLY PREMIUM
$11

• Premium before tax credit: $396

ESTIMATED DEDUCTIBLE
$5,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total

COPAYMENTS / COINSURANCE

• Primary doctor:30% Coinsurance after deductible
• Specialist doctor:30% Coinsurance after deductible
• Emergency room care:30% Coinsurance after deductible
• Generic drugs:$25

----------------------------------

Sanford Health Plan · Sanford Simplicity-$5,000 HDHP
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare

• 
  
  
  • Bronze HMO
  • National Provider Network
  • Plan ID: 31195SD0080003

ESTIMATED MONTHLY PREMIUM
$37

• 
  
  
  • Premium before tax credit: $423

ESTIMATED DEDUCTIBLE
$5,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total

COPAYMENTS / COINSURANCE

• 
  
  
  • Primary doctor:40% Coinsurance after deductible
  • Specialist doctor:40% Coinsurance after deductible
  • Emergency room care:40% Coinsurance after deductible
  • Generic drugs:40% Coinsurance after deductible

PEOPLE COVERED

• 
  
  
  • Person Number1 (Age 55): Cov

there are several more

You probably qualify for a Special Enrollment Period

I have no idea what you are after here.

that this statement is complete bullshit

"there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help"

i helped several "poor" people get on the exchange and there are several plans with huge deductibles

huge out of pocket and 50 percent co pays

the three plans listed have between the deductible and out of pocket at least 11000 that the insurened is responsible for

not including 50 percent co pays and such

She voted for Obama simply because he was black, she can live with the consequences.

And since she works, she is considered lower middle class, not poor, and thus slated for economic extinction anyway.

I know way too many people who are going elsewhere for their medical/dental treatment because the places they go accept cash (lots less than expected here) for care. Like lawyers, doctors in this country expect a multi-million dollar home and a Mercedes for their "service".

Hard for the poor here to go to Mexico.

Insurance now means they cannot see the doctor, as many were dropped from Medicaid and told to pay to play.

What they now have is catastrophic coverage at a very high rate.

You are simply wrong on ALL accounts on this roadrunner.

there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:

Cost Sharing Reduction.

So this woman you know, may have chosen a bronze level plan with a high deductible or high out of pocket expense because the premium was lower...but by doing that, it made her ineligible for the Cost Sharing Reduction plan. She has to choose a Silver Plan in order to get the extra help.

In addition to this,

ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first....

this friend of yours, needs to find out if she was eligible for cost sharing reductions, CSR, if she chose a Silver Plan instead of the Bronze plan she more than likely took out....PLEASE convey this to her...

"
You are simply wrong on ALL accounts on this roadrunner.

there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:"


Never use the word all, there are many who get a subsidy that do not get cost sharing.

You are correct in that IF they qualify for Cost Sharing they MUST select Silver but without it they can choose whatever plan or metal level they want.

"ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first...."

No,not all plans have co-pays.

this is based on a person making less then 14 k a year age 55

DAKOTACARE · Dakota Reserve 6000
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare

• Bronze HMO
• National Provider Network
• Plan ID: 62210SD1450003

ESTIMATED MONTHLY PREMIUM
$5

• Premium before tax credit: $390

ESTIMATED DEDUCTIBLE
$6,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,000Estimated individual total

COPAYMENTS / COINSURANCE

• Primary doctor:No charge after deductible
• Specialist doctor:No charge after deductible
• Emergency room care:No charge after deductible
• Generic drugs:No charge after deductible

PEOPLE COVERED

• Person Number1 (Age 55): Covered

MORE INFORMATION

• Summary of Benefits
• Plan brochure
• Provider directory
• List of

---------------------------------------------------

Avera Health Plans · Avera MyPlan $5,000 / 30% Coinsurance, Pediatric Dental
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare

• Bronze PPO
• Plan ID: 60536SD0020023

ESTIMATED MONTHLY PREMIUM
$11

• Premium before tax credit: $396

ESTIMATED DEDUCTIBLE
$5,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total

COPAYMENTS / COINSURANCE

• Primary doctor:30% Coinsurance after deductible
• Specialist doctor:30% Coinsurance after deductible
• Emergency room care:30% Coinsurance after deductible
• Generic drugs:$25

----------------------------------

Sanford Health Plan · Sanford Simplicity-$5,000 HDHP
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare

• 
  
  
  • Bronze HMO
  • National Provider Network
  • Plan ID: 31195SD0080003

ESTIMATED MONTHLY PREMIUM
$37

• 
  
  
  • Premium before tax credit: $423

ESTIMATED DEDUCTIBLE
$5,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total

COPAYMENTS / COINSURANCE

• 
  
  
  • Primary doctor:40% Coinsurance after deductible
  • Specialist doctor:40% Coinsurance after deductible
  • Emergency room care:40% Coinsurance after deductible
  • Generic drugs:40% Coinsurance after deductible

PEOPLE COVERED

• 
  
  
  • Person Number1 (Age 55): Cov

there are several more

You probably qualify for a Special Enrollment Period

You have simply chosen the WRONG plan, you've chosen a BRONZE plan and there is no Cost Sharing Reduction available if you go with a Bronze plan....you must select one of the Silver plans, which have lower deductibles and out of pocket expenses in general, than these lower level providing insurance plans such as the Bronze plans.

Put in that same info that you used for the 55 year old, and pick the lowest level SILVER plan, then print that info above again and show us what it is pretty please.

It will show you a silver plan which has a 30%/70% ratio, but if you are poor it will be 10%/90% coverage or 20%/80% coverage, your yearly wellness visit is free, and you will have low co payments for any doctor's visit of $10 to $30...
and if the deductible on the silver plan is $2000 and out of pocket is $5200, the Cost Sharing Reduction plan will come in and say your deductible is maybe $400 for the year and your out of pocket maximum will be $1500.

If the Health Care agent on the exchange does not lead these poor people in to taking out a Silver plan and leads them in to these lower level Bronze insurance coverage, they should be SHOT! (figuratively speaking)

You have simply chosen the WRONG plan,

the other guy said that the poor could not get a bronze plan and MUST get a silver one

now you come along and say the poor simply picked the wrong plan

--LOL

what if they can not afford high premium rates

 

[jon_berzerk]

You are making the claim that you haven't needed insurance. Trying to see if it is true

I suspect, given your age group, that it is not

Don't be a dumb fuckin' ass.

I said I did not have insurance or need it when my kids were being born.

I'm 66, on Medicare I paid for for years, whether I want to be or not.

So other taxpayers are paying for your healthcare

I can see why you want to deprive it to others

Oh fuck yourself.

I paid for a Medicare premium for 25 years before I went on Medicare.

Why are you parasites such dishonest fucks?

I also pay for a supplemental plan.

Why do you always argue from such a lying, dishonest POV?

they have to be it is how they operate

i mean why else would one have to pass a law

to read what was in it

They had months to read what was in it and did read what was in it....shoot even we read what was in it, before it passed and had thread after thread on it, the final draft is what they did not have time to read.

bs

 

[RKMBrown]

That is what we used to call "catastrophic coverage".

My friend, a single mom, working as a bank teller can't even take her kids to the doctor now that the bank dumped them all onto Obamacare.

She tells me she struggles to pay the premium, and still can't see the doc.

I didn't ask what the premium is, will try to remember when I go to the bank today.

What kind of working class people can handle a $5,000 deductible.

That in itself is a catastrophe.

Mine, through the evil Blue Cross/Blue Shield is $300.

I have a choice. I can select an HSA with a 5k deductible. Or I can pay an additional 500 a month and get a lower deductible. You do the math.

 

[Geaux4it]

Flashback when the pain was on the horizon

-Geaux

The deductibles on the low-cost plans are the real scandal here. The administration will surely trot out a long line of cancer patients and people with other terrible medical problems who got treatment in 2014 with coverage they weren’t able to buy in 2013, but there are going to be far more working poor and middle class people who still have to scrape together a decent premium after the subsidies, pay it faithfully, then get sick and go to the doctor, only to find out their policy doesn’t cover anything until they’ve paid a $5,000 deductible. I predict a LOT of dissatisfied lower income premium payers.

Read more at: National Review

 

[RKMBrown]

A $5000 deductable policy is not fair to anyone

That is why we need Universal Healthcare

ROFL yeah we'll all be living on easy street if those damn republican will just give us free universal healthcare, because everyone knows universal is better than individual. On a universal system money grows off trees and doctors don't even charge you. Heck, all the equipment they use becomes universal equipment. And drugs, they are all universal drugs. Just brand it universal and it's all free to everyone that needs it.

 

[Roadrunner]

What business is that of yours?

You are making the claim that you haven't needed insurance. Trying to see if it is true

I suspect, given your age group, that it is not

Don't be a dumb fuckin' ass.

I said I did not have insurance or need it when my kids were being born.

I'm 66, on Medicare I paid for for years, whether I want to be or not.

So other taxpayers are paying for your healthcare

I can see why you want to deprive it to others

Oh fuck yourself.

I paid for a Medicare premium for 25 years before I went on Medicare.

Why are you parasites such dishonest fucks?

I also pay for a supplemental plan.

Why do you always argue from such a lying, dishonest POV?

Why do you think we have Medicare? It is because of people like you who think...I have mine and I don't want to pay for others

Which group is the last group insurers want to cover? Those over 65
Which group consumes more healthcare than any other? Those over 65
Which group would pay through the nose for insurance if not for Medicare? Those over 65

You paid premiums your whole life, but those premiums do not cover the cost of major healthcare for seniors. Cancer, Heart surgery, Joint repairs, blood diseases....can all run up bills of $500,000 to $1 million. More than you paid your whole life

You do not know that insurance is shared risk?

Since I have had none of those things while on Medicare, your argument fails.

And since I am a TAXPAYER, not one of the 47%, it fails again

 

[Roadrunner]

That is what we used to call "catastrophic coverage".

My friend, a single mom, working as a bank teller can't even take her kids to the doctor now that the bank dumped them all onto Obamacare.

She tells me she struggles to pay the premium, and still can't see the doc.

I didn't ask what the premium is, will try to remember when I go to the bank today.

What kind of working class people can handle a $5,000 deductible.

That in itself is a catastrophe.

Mine, through the evil Blue Cross/Blue Shield is $300.

It was probably more fair to have us pay the tab like before. It was a win for the poor as they did not have to pony up the deductible and could be treated anyway. Now they will have a mandatory must pay bill to deal with.

Yes, those who elected to have insurance pre-Obamacare paid the tab.

I was good with that

-Geaux

I like the way the libs ignore the fact that those of us on Medicare paid every month for 20-30 years before we got on the plan, and then claim "the taxpayers" pay for our healthcare.

Shit, we ARE the taxpayers.

what is collected in Medicare taxes is not enough to pay for medicare coverage, so the tax payers pick up the tab on that.... When the Medicare Pill bill was passed, congress did not fund it with higher medicare taxes and we the people pick up the tab, NOT medicare taxes.

Sorry, being one of the tax PAYERS, and not one of the 47%, you fail.

 

[rightwinger]

A $5000 deductable policy is not fair to anyone

That is why we need Universal Healthcare

ROFL yeah we'll all be living on easy street if those damn republican will just give us free universal healthcare, because everyone knows universal is better than individual. On a universal system money grows off trees and doctors don't even charge you. Heck, all the equipment they use becomes universal equipment. And drugs, they are all universal drugs. Just brand it universal and it's all free to everyone that needs it.

I never said free

But what difference does it make if I pay $5000 a year for a private policy or $5000 more in taxes for Universal Healthcare if in the end, I get better coverage through universal coverage?

Don't like all those huge deductables and copays in your insuranc? Thank those who labled Universal Healthcare as socialism

 

[Geaux4it]

A $5000 deductable policy is not fair to anyone

That is why we need Universal Healthcare

ROFL yeah we'll all be living on easy street if those damn republican will just give us free universal healthcare, because everyone knows universal is better than individual. On a universal system money grows off trees and doctors don't even charge you. Heck, all the equipment they use becomes universal equipment. And drugs, they are all universal drugs. Just brand it universal and it's all free to everyone that needs it.

I never said free

But what difference does it make if I pay $5000 a year for a private policy or $5000 more in taxes for Universal Healthcare if in the end, I get better coverage through universal coverage?

Don't like all those huge deductables and copays in your insuranc? Thank those who labled Universal Healthcare as socialism

Better coverage defined as, and by who?

-Geaux

 

[rightwinger]

You are making the claim that you haven't needed insurance. Trying to see if it is true

I suspect, given your age group, that it is not

Don't be a dumb fuckin' ass.

I said I did not have insurance or need it when my kids were being born.

I'm 66, on Medicare I paid for for years, whether I want to be or not.

So other taxpayers are paying for your healthcare

I can see why you want to deprive it to others

Oh fuck yourself.

I paid for a Medicare premium for 25 years before I went on Medicare.

Why are you parasites such dishonest fucks?

I also pay for a supplemental plan.

Why do you always argue from such a lying, dishonest POV?

Why do you think we have Medicare? It is because of people like you who think...I have mine and I don't want to pay for others

Which group is the last group insurers want to cover? Those over 65
Which group consumes more healthcare than any other? Those over 65
Which group would pay through the nose for insurance if not for Medicare? Those over 65

You paid premiums your whole life, but those premiums do not cover the cost of major healthcare for seniors. Cancer, Heart surgery, Joint repairs, blood diseases....can all run up bills of $500,000 to $1 million. More than you paid your whole life

You do not know that insurance is shared risk?

Since I have had none of those things while on Medicare, your argument fails.

And since I am a TAXPAYER, not one of the 47%, it fails again

Odds are that you or your husband will eventually have a major health issue
But what if you don't?

Suppose your neighbor has cancer and runs up a million dollars in medical bills. Meanwhile, you and your husband are perfectly healthy and have no medical costs

Which would you rather be?

 

[rightwinger]

A $5000 deductable policy is not fair to anyone

That is why we need Universal Healthcare

ROFL yeah we'll all be living on easy street if those damn republican will just give us free universal healthcare, because everyone knows universal is better than individual. On a universal system money grows off trees and doctors don't even charge you. Heck, all the equipment they use becomes universal equipment. And drugs, they are all universal drugs. Just brand it universal and it's all free to everyone that needs it.

I never said free

But what difference does it make if I pay $5000 a year for a private policy or $5000 more in taxes for Universal Healthcare if in the end, I get better coverage through universal coverage?

Don't like all those huge deductables and copays in your insuranc? Thank those who labled Universal Healthcare as socialism

Better coverage defined as, and by who?

-Geaux

WHO which ranks us #26 in the world

 

[Care4all]

this is based on a person making less then 14 k a year age 55

DAKOTACARE · Dakota Reserve 6000
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare

• Bronze HMO
• National Provider Network
• Plan ID: 62210SD1450003

ESTIMATED MONTHLY PREMIUM
$5

• Premium before tax credit: $390

ESTIMATED DEDUCTIBLE
$6,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,000Estimated individual total

COPAYMENTS / COINSURANCE

• Primary doctor:No charge after deductible
• Specialist doctor:No charge after deductible
• Emergency room care:No charge after deductible
• Generic drugs:No charge after deductible

PEOPLE COVERED

• Person Number1 (Age 55): Covered

MORE INFORMATION

• Summary of Benefits
• Plan brochure
• Provider directory
• List of

---------------------------------------------------

Avera Health Plans · Avera MyPlan $5,000 / 30% Coinsurance, Pediatric Dental
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare

• Bronze PPO
• Plan ID: 60536SD0020023

ESTIMATED MONTHLY PREMIUM
$11

• Premium before tax credit: $396

ESTIMATED DEDUCTIBLE
$5,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total

COPAYMENTS / COINSURANCE

• Primary doctor:30% Coinsurance after deductible
• Specialist doctor:30% Coinsurance after deductible
• Emergency room care:30% Coinsurance after deductible
• Generic drugs:$25

----------------------------------

Sanford Health Plan · Sanford Simplicity-$5,000 HDHP
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare

• 
  
  
  • Bronze HMO
  • National Provider Network
  • Plan ID: 31195SD0080003

ESTIMATED MONTHLY PREMIUM
$37

• 
  
  
  • Premium before tax credit: $423

ESTIMATED DEDUCTIBLE
$5,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total

COPAYMENTS / COINSURANCE

• 
  
  
  • Primary doctor:40% Coinsurance after deductible
  • Specialist doctor:40% Coinsurance after deductible
  • Emergency room care:40% Coinsurance after deductible
  • Generic drugs:40% Coinsurance after deductible

PEOPLE COVERED

• 
  
  
  • Person Number1 (Age 55): Cov

there are several more

You probably qualify for a Special Enrollment Period

I have no idea what you are after here.

that this statement is complete bullshit

"there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help"

i helped several "poor" people get on the exchange and there are several plans with huge deductibles

huge out of pocket and 50 percent co pays

the three plans listed have between the deductible and out of pocket at least 11000 that the insurened is responsible for

not including 50 percent co pays and such

She voted for Obama simply because he was black, she can live with the consequences.

And since she works, she is considered lower middle class, not poor, and thus slated for economic extinction anyway.

Hard for the poor here to go to Mexico.

Insurance now means they cannot see the doctor, as many were dropped from Medicaid and told to pay to play.

What they now have is catastrophic coverage at a very high rate.

You are simply wrong on ALL accounts on this roadrunner.

there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:

Cost Sharing Reduction.

So this woman you know, may have chosen a bronze level plan with a high deductible or high out of pocket expense because the premium was lower...but by doing that, it made her ineligible for the Cost Sharing Reduction plan. She has to choose a Silver Plan in order to get the extra help.

In addition to this,

ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first....

this friend of yours, needs to find out if she was eligible for cost sharing reductions, CSR, if she chose a Silver Plan instead of the Bronze plan she more than likely took out....PLEASE convey this to her...

"
You are simply wrong on ALL accounts on this roadrunner.

there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:"


Never use the word all, there are many who get a subsidy that do not get cost sharing.

You are correct in that IF they qualify for Cost Sharing they MUST select Silver but without it they can choose whatever plan or metal level they want.

"ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first...."

No,not all plans have co-pays.

this is based on a person making less then 14 k a year age 55

DAKOTACARE · Dakota Reserve 6000
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare

• Bronze HMO
• National Provider Network
• Plan ID: 62210SD1450003

ESTIMATED MONTHLY PREMIUM
$5

• Premium before tax credit: $390

ESTIMATED DEDUCTIBLE
$6,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,000Estimated individual total

COPAYMENTS / COINSURANCE

• Primary doctor:No charge after deductible
• Specialist doctor:No charge after deductible
• Emergency room care:No charge after deductible
• Generic drugs:No charge after deductible

PEOPLE COVERED

• Person Number1 (Age 55): Covered

MORE INFORMATION

• Summary of Benefits
• Plan brochure
• Provider directory
• List of

---------------------------------------------------

Avera Health Plans · Avera MyPlan $5,000 / 30% Coinsurance, Pediatric Dental
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare

• Bronze PPO
• Plan ID: 60536SD0020023

ESTIMATED MONTHLY PREMIUM
$11

• Premium before tax credit: $396

ESTIMATED DEDUCTIBLE
$5,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total

COPAYMENTS / COINSURANCE

• Primary doctor:30% Coinsurance after deductible
• Specialist doctor:30% Coinsurance after deductible
• Emergency room care:30% Coinsurance after deductible
• Generic drugs:$25

----------------------------------

Sanford Health Plan · Sanford Simplicity-$5,000 HDHP
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare

• 
  
  
  • Bronze HMO
  • National Provider Network
  • Plan ID: 31195SD0080003

ESTIMATED MONTHLY PREMIUM
$37

• 
  
  
  • Premium before tax credit: $423

ESTIMATED DEDUCTIBLE
$5,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total

COPAYMENTS / COINSURANCE

• 
  
  
  • Primary doctor:40% Coinsurance after deductible
  • Specialist doctor:40% Coinsurance after deductible
  • Emergency room care:40% Coinsurance after deductible
  • Generic drugs:40% Coinsurance after deductible

PEOPLE COVERED

• 
  
  
  • Person Number1 (Age 55): Cov

there are several more

You probably qualify for a Special Enrollment Period

You have simply chosen the WRONG plan, you've chosen a BRONZE plan and there is no Cost Sharing Reduction available if you go with a Bronze plan....you must select one of the Silver plans, which have lower deductibles and out of pocket expenses in general, than these lower level providing insurance plans such as the Bronze plans.

Put in that same info that you used for the 55 year old, and pick the lowest level SILVER plan, then print that info above again and show us what it is pretty please.

It will show you a silver plan which has a 30%/70% ratio, but if you are poor it will be 10%/90% coverage or 20%/80% coverage, your yearly wellness visit is free, and you will have low co payments for any doctor's visit of $10 to $30...
and if the deductible on the silver plan is $2000 and out of pocket is $5200, the Cost Sharing Reduction plan will come in and say your deductible is maybe $400 for the year and your out of pocket maximum will be $1500.

If the Health Care agent on the exchange does not lead these poor people in to taking out a Silver plan and leads them in to these lower level Bronze insurance coverage, they should be SHOT! (figuratively speaking)

You have simply chosen the WRONG plan,

the other guy said that the poor could not get a bronze plan and MUST get a silver one

now you come along and say the poor simply picked the wrong plan

--LOL

what if they can not afford high premium rates

The premium rates are not too much higher, if they are lower income then not too much at all...and absolutely well worth it, they get the equivalent of a Platinum Plan, the highest coverage there is....for mere dollars a year, if they are poor....butttt, if they are healthy and young and poor with no family and they want to just take out a bronze plan to save a couple of dollars a month on the premium, they can...but please don't complain later if they do end up getting sick and have to pay the $5200 maximum out of pocket.

How to save on out-of-pocket health care costs HealthCare.gov

If you qualify for savings on out-of-pocket costs, you’ll pay lower deductibles, coinsurance, and copayments. These are costs you have to pay when you get care.


When you apply for coverage in the Marketplace, you'll learn if you’re eligible for savings, which are sometimes called “cost-sharing reductions.”


Savings depend on your 2015 income

If your household income falls in these ranges, you’ll save on out-of-pocket costs. The lower your income within these ranges, the more you’ll save on out-of-pocket costs. Learn how to estimate your income for the Marketplace.

• $11,670 to $29,175 for individuals
• $15,730 to $39,325 for a family of 2
• $19,790 to $49,475 for a family of 3
• $23,850 to $59,625 for a family of 4
• $27,910 to $69,775 for a family of 5
• $31,970 to $79,925 for a family of 6
• $36,030 to $90,075 for a family of 7
• $40,090 to $100,225 for a family of 8

Incomes that qualify for cost-sharing reductions are higher in Alaska and Hawaii. See Alaska and Hawaii information.


Learn how to estimate your income and report on your household size.


If your income falls between the amounts shown, you also qualify for premium tax credits that lower your monthly premiums.


Out-of-pocket savings apply only to Silver plans

Plans in the Marketplace are grouped into 4 categories: Bronze, Silver, Gold, and Platinum. Learn more about plan categories and what they mean.


If your income qualifies you for out-of-pocket savings, you must choose a Silver plan to get the savings. You can choose any category of plan you want, but you'll get the out-of-pocket savings only if you enroll in a Silver plan.


Get more information about cost sharing reductions for American Indians and Alaska Natives.


More answers

• Can I save only on out-of-pocket costs?

The very very poor get medicaid, not one of these bronze, silver, gold, platinum plans on the Exchange.

 

[RKMBrown]

A $5000 deductable policy is not fair to anyone

That is why we need Universal Healthcare

ROFL yeah we'll all be living on easy street if those damn republican will just give us free universal healthcare, because everyone knows universal is better than individual. On a universal system money grows off trees and doctors don't even charge you. Heck, all the equipment they use becomes universal equipment. And drugs, they are all universal drugs. Just brand it universal and it's all free to everyone that needs it.

I never said free

But what difference does it make if I pay $5000 a year for a private policy or $5000 more in taxes for Universal Healthcare if in the end, I get better coverage through universal coverage?

Don't like all those huge deductables and copays in your insuranc? Thank those who labled Universal Healthcare as socialism

Cause everyone knows the federal government does a better job at ___, uhmm... oh wait.
What makes you think your coverage will be better by having your federal government manage it? Cause they've done such a good job with 15% of your income for SS? Oh wait... Cause they've done such a good job at education? Oh wait... Cause they've done such a good job managing the mail? Oh wait.... Cause they've done such a good job protecting our border? Oh wait...

 

[jon_berzerk]

I have no idea what you are after here.

that this statement is complete bullshit

"there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help"

i helped several "poor" people get on the exchange and there are several plans with huge deductibles

huge out of pocket and 50 percent co pays

the three plans listed have between the deductible and out of pocket at least 11000 that the insurened is responsible for

not including 50 percent co pays and such

She voted for Obama simply because he was black, she can live with the consequences.

And since she works, she is considered lower middle class, not poor, and thus slated for economic extinction anyway.

You are simply wrong on ALL accounts on this roadrunner.

there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:

Cost Sharing Reduction.

So this woman you know, may have chosen a bronze level plan with a high deductible or high out of pocket expense because the premium was lower...but by doing that, it made her ineligible for the Cost Sharing Reduction plan. She has to choose a Silver Plan in order to get the extra help.

In addition to this,

ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first....

this friend of yours, needs to find out if she was eligible for cost sharing reductions, CSR, if she chose a Silver Plan instead of the Bronze plan she more than likely took out....PLEASE convey this to her...

"
You are simply wrong on ALL accounts on this roadrunner.

there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:"


Never use the word all, there are many who get a subsidy that do not get cost sharing.

You are correct in that IF they qualify for Cost Sharing they MUST select Silver but without it they can choose whatever plan or metal level they want.

"ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first...."

No,not all plans have co-pays.

this is based on a person making less then 14 k a year age 55

DAKOTACARE · Dakota Reserve 6000
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare

• Bronze HMO
• National Provider Network
• Plan ID: 62210SD1450003

ESTIMATED MONTHLY PREMIUM
$5

• Premium before tax credit: $390

ESTIMATED DEDUCTIBLE
$6,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,000Estimated individual total

COPAYMENTS / COINSURANCE

• Primary doctor:No charge after deductible
• Specialist doctor:No charge after deductible
• Emergency room care:No charge after deductible
• Generic drugs:No charge after deductible

PEOPLE COVERED

• Person Number1 (Age 55): Covered

MORE INFORMATION

• Summary of Benefits
• Plan brochure
• Provider directory
• List of

---------------------------------------------------

Avera Health Plans · Avera MyPlan $5,000 / 30% Coinsurance, Pediatric Dental
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare

• Bronze PPO
• Plan ID: 60536SD0020023

ESTIMATED MONTHLY PREMIUM
$11

• Premium before tax credit: $396

ESTIMATED DEDUCTIBLE
$5,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total

COPAYMENTS / COINSURANCE

• Primary doctor:30% Coinsurance after deductible
• Specialist doctor:30% Coinsurance after deductible
• Emergency room care:30% Coinsurance after deductible
• Generic drugs:$25

----------------------------------

Sanford Health Plan · Sanford Simplicity-$5,000 HDHP
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare

• 
  
  
  • Bronze HMO
  • National Provider Network
  • Plan ID: 31195SD0080003

ESTIMATED MONTHLY PREMIUM
$37

• 
  
  
  • Premium before tax credit: $423

ESTIMATED DEDUCTIBLE
$5,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total

COPAYMENTS / COINSURANCE

• 
  
  
  • Primary doctor:40% Coinsurance after deductible
  • Specialist doctor:40% Coinsurance after deductible
  • Emergency room care:40% Coinsurance after deductible
  • Generic drugs:40% Coinsurance after deductible

PEOPLE COVERED

• 
  
  
  • Person Number1 (Age 55): Cov

there are several more

You probably qualify for a Special Enrollment Period

You have simply chosen the WRONG plan, you've chosen a BRONZE plan and there is no Cost Sharing Reduction available if you go with a Bronze plan....you must select one of the Silver plans, which have lower deductibles and out of pocket expenses in general, than these lower level providing insurance plans such as the Bronze plans.

Put in that same info that you used for the 55 year old, and pick the lowest level SILVER plan, then print that info above again and show us what it is pretty please.

It will show you a silver plan which has a 30%/70% ratio, but if you are poor it will be 10%/90% coverage or 20%/80% coverage, your yearly wellness visit is free, and you will have low co payments for any doctor's visit of $10 to $30...
and if the deductible on the silver plan is $2000 and out of pocket is $5200, the Cost Sharing Reduction plan will come in and say your deductible is maybe $400 for the year and your out of pocket maximum will be $1500.

If the Health Care agent on the exchange does not lead these poor people in to taking out a Silver plan and leads them in to these lower level Bronze insurance coverage, they should be SHOT! (figuratively speaking)

You have simply chosen the WRONG plan,

the other guy said that the poor could not get a bronze plan and MUST get a silver one

now you come along and say the poor simply picked the wrong plan

--LOL

what if they can not afford high premium rates

The premium rates are not too much higher, if they are lower income then not too much at all...and absolutely well worth it, they get the equivalent of a Platinum Plan, the highest coverage there is....for mere dollars a year, if they are poor....butttt, if they are healthy and young and poor with no family and they want to just take out a bronze plan to save a couple of dollars a month on the premium, they can...but please don't complain later if they do end up getting sick and have to pay the $5200 maximum out of pocket.
How to save on out-of-pocket health care costs HealthCare.gov
If you qualify for savings on out-of-pocket costs, you’ll pay lower deductibles, coinsurance, and copayments. These are costs you have to pay when you get care.


When you apply for coverage in the Marketplace, you'll learn if you’re eligible for savings, which are sometimes called “cost-sharing reductions.”


Savings depend on your 2015 income

If your household income falls in these ranges, you’ll save on out-of-pocket costs. The lower your income within these ranges, the more you’ll save on out-of-pocket costs. Learn how to estimate your income for the Marketplace.

• $11,670 to $29,175 for individuals
• $15,730 to $39,325 for a family of 2
• $19,790 to $49,475 for a family of 3
• $23,850 to $59,625 for a family of 4
• $27,910 to $69,775 for a family of 5
• $31,970 to $79,925 for a family of 6
• $36,030 to $90,075 for a family of 7
• $40,090 to $100,225 for a family of 8

Incomes that qualify for cost-sharing reductions are higher in Alaska and Hawaii. See Alaska and Hawaii information.


Learn how to estimate your income and report on your household size.


If your income falls between the amounts shown, you also qualify for premium tax credits that lower your monthly premiums.


Out-of-pocket savings apply only to Silver plans

Plans in the Marketplace are grouped into 4 categories: Bronze, Silver, Gold, and Platinum. Learn more about plan categories and what they mean.


If your income qualifies you for out-of-pocket savings, you must choose a Silver plan to get the savings. You can choose any category of plan you want, but you'll get the out-of-pocket savings only if you enroll in a Silver plan.


Get more information about cost sharing reductions for American Indians and Alaska Natives.


More answers

• Can I save only on out-of-pocket costs?

The very very poor get medicaid, not one of these bronze, silver, gold, platinum plans on the Exchange.

quit your lying to make yourself feel better

the poorest of the poor DO NOT get medicaid in every state

 

[RKMBrown]

A $5000 deductable policy is not fair to anyone

That is why we need Universal Healthcare

ROFL yeah we'll all be living on easy street if those damn republican will just give us free universal healthcare, because everyone knows universal is better than individual. On a universal system money grows off trees and doctors don't even charge you. Heck, all the equipment they use becomes universal equipment. And drugs, they are all universal drugs. Just brand it universal and it's all free to everyone that needs it.

I never said free

But what difference does it make if I pay $5000 a year for a private policy or $5000 more in taxes for Universal Healthcare if in the end, I get better coverage through universal coverage?

Don't like all those huge deductables and copays in your insuranc? Thank those who labled Universal Healthcare as socialism

Better coverage defined as, and by who?

-Geaux

WHO which ranks us #26 in the world

And which uses completely different rules to measure us than they do other countries, thus sandbagging our ranking. For example, infant deaths are not counted the same between us and other countries.

 

[Care4all]

that this statement is complete bullshit

"there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help"

i helped several "poor" people get on the exchange and there are several plans with huge deductibles

huge out of pocket and 50 percent co pays

the three plans listed have between the deductible and out of pocket at least 11000 that the insurened is responsible for

not including 50 percent co pays and such

She voted for Obama simply because he was black, she can live with the consequences.

And since she works, she is considered lower middle class, not poor, and thus slated for economic extinction anyway.

"
You are simply wrong on ALL accounts on this roadrunner.

there is no $5000 deductible plans for the poor on the Exchange. If they are poor, they must select a Silver Plan in order to get extra help and then the government will come in and pay, (in addition to their Premium Help), their Deductibles and Out of Pocket Expenses. All of the poor, below 300% or so of the poverty level get ADDITIONAL assistance by the Government called:"


Never use the word all, there are many who get a subsidy that do not get cost sharing.

You are correct in that IF they qualify for Cost Sharing they MUST select Silver but without it they can choose whatever plan or metal level they want.

"ALL PLANS include doctor visits, at least 1 a year for herself and her children, and most all, if not all....?plans include cheap copayments for doctor's visits, like $10 to $40 a visit that do not have to come out of your deductible first...."

No,not all plans have co-pays.

this is based on a person making less then 14 k a year age 55

DAKOTACARE · Dakota Reserve 6000
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare

• Bronze HMO
• National Provider Network
• Plan ID: 62210SD1450003

ESTIMATED MONTHLY PREMIUM
$5

• Premium before tax credit: $390

ESTIMATED DEDUCTIBLE
$6,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,000Estimated individual total

COPAYMENTS / COINSURANCE

• Primary doctor:No charge after deductible
• Specialist doctor:No charge after deductible
• Emergency room care:No charge after deductible
• Generic drugs:No charge after deductible

PEOPLE COVERED

• Person Number1 (Age 55): Covered

MORE INFORMATION

• Summary of Benefits
• Plan brochure
• Provider directory
• List of

---------------------------------------------------

Avera Health Plans · Avera MyPlan $5,000 / 30% Coinsurance, Pediatric Dental
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare

• Bronze PPO
• Plan ID: 60536SD0020023

ESTIMATED MONTHLY PREMIUM
$11

• Premium before tax credit: $396

ESTIMATED DEDUCTIBLE
$5,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total

COPAYMENTS / COINSURANCE

• Primary doctor:30% Coinsurance after deductible
• Specialist doctor:30% Coinsurance after deductible
• Emergency room care:30% Coinsurance after deductible
• Generic drugs:$25

----------------------------------

Sanford Health Plan · Sanford Simplicity-$5,000 HDHP
-1" style="font-family: 'Open Sans', sans-serif; font-size: 1.5em; margin: 4px 0px 0px; font-stretch: normal; -webkit-font-smoothing: antialiased; max-width: 100%; padding: 0px;"> Compare

• 
  
  
  • Bronze HMO
  • National Provider Network
  • Plan ID: 31195SD0080003

ESTIMATED MONTHLY PREMIUM
$37

• 
  
  
  • Premium before tax credit: $423

ESTIMATED DEDUCTIBLE
$5,000Estimated individual total

ESTIMATED OUT-OF-POCKET MAXIMUM
$6,350Estimated individual total

COPAYMENTS / COINSURANCE

• 
  
  
  • Primary doctor:40% Coinsurance after deductible
  • Specialist doctor:40% Coinsurance after deductible
  • Emergency room care:40% Coinsurance after deductible
  • Generic drugs:40% Coinsurance after deductible

PEOPLE COVERED

• 
  
  
  • Person Number1 (Age 55): Cov

there are several more

You probably qualify for a Special Enrollment Period

You have simply chosen the WRONG plan, you've chosen a BRONZE plan and there is no Cost Sharing Reduction available if you go with a Bronze plan....you must select one of the Silver plans, which have lower deductibles and out of pocket expenses in general, than these lower level providing insurance plans such as the Bronze plans.

Put in that same info that you used for the 55 year old, and pick the lowest level SILVER plan, then print that info above again and show us what it is pretty please.

It will show you a silver plan which has a 30%/70% ratio, but if you are poor it will be 10%/90% coverage or 20%/80% coverage, your yearly wellness visit is free, and you will have low co payments for any doctor's visit of $10 to $30...
and if the deductible on the silver plan is $2000 and out of pocket is $5200, the Cost Sharing Reduction plan will come in and say your deductible is maybe $400 for the year and your out of pocket maximum will be $1500.

If the Health Care agent on the exchange does not lead these poor people in to taking out a Silver plan and leads them in to these lower level Bronze insurance coverage, they should be SHOT! (figuratively speaking)

You have simply chosen the WRONG plan,

the other guy said that the poor could not get a bronze plan and MUST get a silver one

now you come along and say the poor simply picked the wrong plan

--LOL

what if they can not afford high premium rates

The premium rates are not too much higher, if they are lower income then not too much at all...and absolutely well worth it, they get the equivalent of a Platinum Plan, the highest coverage there is....for mere dollars a year, if they are poor....butttt, if they are healthy and young and poor with no family and they want to just take out a bronze plan to save a couple of dollars a month on the premium, they can...but please don't complain later if they do end up getting sick and have to pay the $5200 maximum out of pocket.
How to save on out-of-pocket health care costs HealthCare.gov
If you qualify for savings on out-of-pocket costs, you’ll pay lower deductibles, coinsurance, and copayments. These are costs you have to pay when you get care.


When you apply for coverage in the Marketplace, you'll learn if you’re eligible for savings, which are sometimes called “cost-sharing reductions.”


Savings depend on your 2015 income

If your household income falls in these ranges, you’ll save on out-of-pocket costs. The lower your income within these ranges, the more you’ll save on out-of-pocket costs. Learn how to estimate your income for the Marketplace.

• $11,670 to $29,175 for individuals
• $15,730 to $39,325 for a family of 2
• $19,790 to $49,475 for a family of 3
• $23,850 to $59,625 for a family of 4
• $27,910 to $69,775 for a family of 5
• $31,970 to $79,925 for a family of 6
• $36,030 to $90,075 for a family of 7
• $40,090 to $100,225 for a family of 8

Incomes that qualify for cost-sharing reductions are higher in Alaska and Hawaii. See Alaska and Hawaii information.


Learn how to estimate your income and report on your household size.


If your income falls between the amounts shown, you also qualify for premium tax credits that lower your monthly premiums.


Out-of-pocket savings apply only to Silver plans

Plans in the Marketplace are grouped into 4 categories: Bronze, Silver, Gold, and Platinum. Learn more about plan categories and what they mean.


If your income qualifies you for out-of-pocket savings, you must choose a Silver plan to get the savings. You can choose any category of plan you want, but you'll get the out-of-pocket savings only if you enroll in a Silver plan.


Get more information about cost sharing reductions for American Indians and Alaska Natives.


More answers

• Can I save only on out-of-pocket costs?

The very very poor get medicaid, not one of these bronze, silver, gold, platinum plans on the Exchange.

quit your lying to make yourself feel better

the poorest of the poor DO NOT get medicaid in every state

The poorest of the poor have gotten MEDICAID in every state for DECADES now...each State has their own qualifying rules and MEDICAID as said has been around forever.

AS FAR AS those Republican governor States that CHOSE not to help their second tier poorest...that's not due to Obamacare, that's due to the INDIVIDUAL STATE'S DECISION.

You should stop lying and do some research on all of this...."ignorance is bliss", for only so long....

 

[Roadrunner]

Don't be a dumb fuckin' ass.

I said I did not have insurance or need it when my kids were being born.

I'm 66, on Medicare I paid for for years, whether I want to be or not.

So other taxpayers are paying for your healthcare

I can see why you want to deprive it to others

Oh fuck yourself.

I paid for a Medicare premium for 25 years before I went on Medicare.

Why are you parasites such dishonest fucks?

I also pay for a supplemental plan.

Why do you always argue from such a lying, dishonest POV?

Why do you think we have Medicare? It is because of people like you who think...I have mine and I don't want to pay for others

Which group is the last group insurers want to cover? Those over 65
Which group consumes more healthcare than any other? Those over 65
Which group would pay through the nose for insurance if not for Medicare? Those over 65

You paid premiums your whole life, but those premiums do not cover the cost of major healthcare for seniors. Cancer, Heart surgery, Joint repairs, blood diseases....can all run up bills of $500,000 to $1 million. More than you paid your whole life

You do not know that insurance is shared risk?

Since I have had none of those things while on Medicare, your argument fails.

And since I am a TAXPAYER, not one of the 47%, it fails again

Odds are that you or your husband will eventually have a major health issue
But what if you don't?

Suppose your neighbor has cancer and runs up a million dollars in medical bills. Meanwhile, you and your husband are perfectly healthy and have no medical costs

Which would you rather be?

My husband???

You know damned well I am a man, and not a fuckin' queer either.

Back to Person Unworthy of Response status for you.

Have a great day.