Has anyone received a quote from ObamaCare yet?

[joshuagough]

https://www.healthcare.gov/find-premium-estimates/

If I signed up for the same coverage I have its (4) times more than I'm currently paying..

I'm not looking forward to see the health care premium increase from work.

 

[DennasMom]

I looked up coverage for me in WA and it was very reasonable. $200/month for the cheapest policy, $430/month for the "gold", most expensive option. Eight different companies participating, including both PPO and HMO's.

Equivalent policies in Montgomery County, AL for me would be $160/month up to $309/month.
I only saw Blue Shield/Blue Cross in AL... that's a problem. Hopefully you'll get more participation, and that should help prices come down, too.

Considering we're on a company plan (so we don't have our own policy) where the company pays approximately $7,000 per person per year (based on their annual report) or $583/month, the ACA policies seem very reasonable to me.

Did I miss something???

Does the ACA policy have additional 'stuff'? I'm hearing the "minimum" requirements are more than some people are used to having.

 

[ruthcatrin]

My aunt's been trying to sign up for a week now, it keeps screwing up on her.

I know several folks who'repissed cause they're healthy young adults and so only have an "emergency" plan health insurance, and those plans aren't going to be allowed any more and its going to double to triple their costs.

 

[ruthcatrin]

Considering we're on a company plan (so we don't have our own policy) where the company pays approximately $7,000 per person per year (based on their annual report) or $583/month, the ACA policies seem very reasonable to me.

Did I miss something???.

It might be reasonable from that POV, but when its going to double (much less quadruple) a family's monthly costs chances are its not affordable either. And thats the problem. I get the point of trying to make sure everyone will have coverage in hopes of reducing medical debt, but the reality is that for many households an extra $300 a month just isn't possible making the whole thing just one more stress to the finances.

 

[Sadies Mom]

I was able to creat an account today, but when I try to sign in, it tells me the site is not available.

 

[angelbears]

It might be reasonable from that POV, but when its going to double (much less quadruple) a family's monthly costs chances are its not affordable either. And thats the problem. I get the point of trying to make sure everyone will have coverage in hopes of reducing medical debt, but the reality is that for many households an extra $300 a month just isn't possible making the whole thing just one more stress to the finances.

They do offer catastrophic plans.

When those who don't have insurance do need medical care it is usually in the emergency room because they can't be denied care. We all pay for it then, something I feel is not fair or right. Especially, when someone like my daughter, who is 25, chooses not to carry insurance, yet walks around with an I-phone that probably cost about as much a month as insurance would.

 

[joshuagough]

That's interesting your the first person I've seen say the rate was reasonable.. mine would be 4 times as much and there's at least 10 different providers in my county. The 8 plans I looked thru have way less coverage, and cost more. Platinum level coverage is a mortgage payment for most.

What kind of subsidies are you getting to make the rate lower for you?

I looked up coverage for me in WA and it was very reasonable. $200/month for the cheapest policy, $430/month for the "gold", most expensive option. Eight different companies participating, including both PPO and HMO's.

Equivalent policies in Montgomery County, AL for me would be $160/month up to $309/month.
I only saw Blue Shield/Blue Cross in AL... that's a problem. Hopefully you'll get more participation, and that should help prices come down, too.

Considering we're on a company plan (so we don't have our own policy) where the company pays approximately $7,000 per person per year (based on their annual report) or $583/month, the ACA policies seem very reasonable to me.

Did I miss something???

Does the ACA policy have additional 'stuff'? I'm hearing the "minimum" requirements are more than some people are used to having.

 

[angelbears]

DennasMom is not getting a subsidy. Her or her husband's employer pays a portion of of their health care cost. I believe she said around 7,000. That is part of their compensation package, not a hand out.

 

[thelady_v2010]

States that refused to participate in the Federal Exchanges and the Meidcare expansion did nothing but screw the residents of their state. So, thank your state legislature for the sucky rates and plans.

I have heard many people say the rates/plans were reasonable.

Of course 20 somethings don't want to have to buy plans, they think they are invincible, then one working or car accident and all our our costs raise. It is the uninsured that makes health care so expensive for the rest of us.

My husband has a job that offers him great insurance to put his life on the line every duty day, some begrudge us that because it was Union gained. I will keep my current coverage, it may come at a higher cost than money could ever pay.

 

[raechiemay]

I currently pay $55 a month for my health insurance on myself with no dependents. I'm 26 & I signed up for the lower deductible plan through my work. I know our rates went up in August, I used to pay ~$30. Not sure I can beat $55 a month with obamacare.

 

[joshuagough]

I just spent some time entering the same info as though I lived in AZ and a few other states which do participate.. there's about a $89 difference, so that still doesn't make it affordable.

The true savings would come via taxation, which is hard to figure up with the many variables.

It's not something I can change but I'm not seeing a great deal of help to anyone if people less fortunate than my self still cant afford it.

States that refused to participate in the Federal Exchanges and the Meidcare expansion did nothing but screw the residents of their state. So, thank your state legislature for the sucky rates and plans.

I have heard many people say the rates/plans were reasonable.

Of course 20 somethings don't want to have to buy plans, they think they are invincible, then one working or car accident and all our our costs raise. It is the uninsured that makes health care so expensive for the rest of us.

My husband has a job that offers him great insurance to put his life on the line every duty day, some begrudge us that because it was Union gained. I will keep my current coverage, it may come at a higher cost than money could ever pay.

 

[angelbears]

Josh do you get your insurance through work?

 

[ruthcatrin]

They do offer catastrophic plans.

When those who don't have insurance do need medical care it is usually in the emergency room because they can't be denied care. We all pay for it then, something I feel is not fair or right. Especially, when someone like my daughter, who is 25, chooses not to carry insurance, yet walks around with an I-phone that probably cost about as much a month as insurance would.

Yah, but the solution isn't trying to force people to pay 2-4 times as much as they were. Cause then they really aren't going to get it and we'll still end up footing the bill.

 

[dogman#1]

States that refused to participate in the Federal Exchanges and the Meidcare expansion did nothing but screw the residents of their state. So, thank your state legislature for the sucky rates and plans.

I have heard many people say the rates/plans were reasonable.

Of course 20 somethings don't want to have to buy plans, they think they are invincible, then one working or car accident and all our our costs raise. It is the uninsured that makes health care so expensive for the rest of us.

My husband has a job that offers him great insurance to put his life on the line every duty day, some begrudge us that because it was Union gained. I will keep my current coverage, it may come at a higher cost than money could ever pay.

Some states had to opt out as it would bankrupt some of their businesses so it isnt a case of the state screwing their citizens it is a case of those states keeping jobs there.. sometimes it isnt so black and white.

This ACA is hurting our young healthy Americans.. they werent the ones flooding the emergency rooms before... it was the 20 million illegals that live here and they will still be doing it after all our 23 yr olds get this insurance.... why do you think it is mandatory for everyone (well everyone except all the ones that are exempt and greased his pockets beforehand)? It is because it will take all of us to pay for all their completly free healthcare.

 

[dogman#1]

BTW I'm in NYC and the prices for ACA are about the same so ofcourse I will keep my over priced insurance, lol.

 

[dogman#1]

I wonder why everyone is so scared of tackling that issue..... oh yea, future votes.

 

[cayeesmom]

Myself, a single mom in my 50's, self employed, with no insurance, sure hope ACA will work out. There is no way I can afford to buy insurance at $500-600 a month and several thousand deductible. After 25 years of working with dogs my body is starting to fall apart, lol. Since July I have been walking [or I should say limping] around with a completely torn meniscus. Still have to work ,bad knee or not. Payed cash for an MRI and the DR, only to be told I need a $5000 surgery! Something needs to be done so everyone can have/afford health-insurance.

 

[dogman#1]

Cayee, ACA should be cheaper for you as long as it is just you. If you were a family of 5 or more it would be more expensive. All hospitals have "layaway" plans anyway its not like they would hold you hostage until you paid 5Gs, lol. My maddy broke her knee and tore her cruciate... I took her to a very well known orthopedic surgean and the price was about 2500... I paid it off in a year for about 225 a month. for me it would be cheaper to have no insurance than to pay a premium every month since i rarely get sick and such. I would rather pay out of pocket when I do get sick. BTW you dont have to go to the emergency room every time you get sick as most Dr.s can and do put you on a payment plan around here. I would agree in your situation you would require an insurance plan though.

 

[cayeesmom]

Dogman, I have talked to Ortho Dr and hospital. Money up front or no surgery!
I have always been healthy, [knock on wood]. Always paid cash when I been to the Dr and the few times I been to the ER [last resort] they always worked out a payment plan. What sucks is when you get older and your body start reminding you of your age and all the hard labor over the years catch up with you.

 

[dogman#1]

oh, for sure. I can def understand what your saying. I would go to another hospital as they always have some sort of "credit card" type thing. I have never heard of anyone being turned away because of lack of funds.... goes against the whole Dr. code of ethics. Even illegals get 100% free health care, they can't be turned away... it is against the law.