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View Diary: In 400 Days the Health Insurance Cliff will Kick In. For Real. (97 comments)

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  •  I'm trying to say this politely, and I've erased (30+ / 0-)

    three comments before posting already.

    The ACA is to make health care affordable. If it already is affordable you only benefit from it's other great aspects. Someone making 400% of poverty and getting a $500 per month plan already makes plenty of money and has a great health care plan.

    Most of us don't have these things called "clients". We have jobs. Like at Walmart of Micky Ds or something.

    My wife and I sat down and figured out how the ACA would affect us about 2 years ago. We realized all about your dreaded 100% of premium and decided that if we ever made 400% of poverty we'd be way way way happy to pay the premium. We wait eagerly for that day.

    How big is your personal carbon footprint?

    by ban nock on Sun Nov 25, 2012 at 09:25:50 AM PST

    •  Many people who will benefit from the PPACA (19+ / 0-)

      are self-employed or will become self-employed once they are able to obtain insurance.  Hence the term 'clients.'

      No moral or monetary judgements are implied by this diary. What you consider making plenty of money someone else may consider barely enough to get by, especially in a high-cost-of-living city.  Or not.

      Regardless of such judgments, having limits implemented as they are in the PPACA (instead of like marginal tax rates) is just plain stupid.

      •  so instead of several cliffs (1+ / 0-)
        Recommended by:
        jpmassar

        you want many more smaller cliffs?

        I think?
        so, if I am getting this, at the lowest level we are going to pay no more than 2% in premiums, and then what, the subsidy picks up all the slack of whatever plan we have chosen?
        Does this cover her Blue Shield plan, and can we then change that plan to a lower  out of pocket plan, (with presumably a higher premium) as we have to now pay $4800 out of pocket before any insurance coverage, besides their negotiated rates 'benefit'.?
          Actually Blue Shield has told her that plan is no longer offered..but hasn't sent any choices or info, but still accepts the premium check?

        This machine kills Fascists.

        by KenBee on Sun Nov 25, 2012 at 03:46:20 PM PST

        [ Parent ]

    •  Keep in mind ... (6+ / 0-)

      ... variance of personal situation. In the Bay Area, for example (which, I believe, is where jpmasser is writing from), $88,201 for a family of four is rough sailing. In Alabama, with that kind of money, you'd be considered wealthy.

      Probably one of the biggest flaws in this and other "cliff"-affected benefit programs is accommodation for local cost-of-living. Once the subsidies cut off, you're really out of luck in expensive areas of the country.

      ---

      "The fundamental curse of the Republican party is its irrepressible disposition to meddle with other people's business, and impose its notions, and its will, on people who do not freely accept them." -- The New York Freeman's Journal, 1861

      by dzog on Sun Nov 25, 2012 at 10:52:37 AM PST

      [ Parent ]

      •  the flip side of that... (0+ / 0-)

        The high cost of living in urban areas basically boils down to real estate. If we subsidize various government benefits differently based on local cost of living, we're:

        1. subsidizing wealthy property owners;

        2. negating one of the main competitive advantages low-cost areas have for attracting jobs.

        I.e., there was a recent New York Times article on the "Silicon Prairie" phenomenon of tech firms setting up shop in the Midwest. Surely part of the reason this is happening is that real estate costs & general cost of living are lower there than in Silicon Valley, for the employer and for all employees. Why would we want to spend taxpayer money to counteract that?

        I realize this sounds like I'm a GOP troll. I'm not. There are significant government interventions in the market that I support. But there are plenty of good things about the market economy, too, and we must be careful not to overlook them.

        "The true strength of our nation comes not from the might of our arms or the scale of our wealth, but from the enduring power of our ideals." - Barack Obama

        by HeyMikey on Mon Nov 26, 2012 at 08:28:34 AM PST

        [ Parent ]

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