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View Diary: Six million Americans will pay less than $100/month for health insurance (91 comments)

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  •  No, because the TOTAL (4+ / 0-)

    out of pocket expense (after premiums) cannot exceed a certain percent (like 9%) of total income.

    There is so much disinformation 'out there' about the ACA, I can't wait for those who've been lied to to know they'll be covered, and they can afford it.

    FORWARD! Obama/Biden 2012

    by Esjaydee on Tue Sep 17, 2013 at 01:27:15 PM PDT

    [ Parent ]

    •  9.5% (2+ / 0-)
      Recommended by:
      oldpotsmuggler, Bensdad

      I think that's what I've read.

      Which isn't nothing. And doesn't include premiums.

      Of course, you get something in return.

      •  A 9.5% "haircut" for folks barely making it will (1+ / 0-)
        Recommended by:

        be brutal. That's all I'm saying.

        There can be no protection locally if we're content to ignore the fact that there are no controls globally.

        by oldpotsmuggler on Tue Sep 17, 2013 at 02:54:12 PM PDT

        [ Parent ]

        •  That's all a lot of (2+ / 0-)
          Recommended by:
          Bensdad, oldpotsmuggler

          us are saying. But that's not going to happen every year. That's the most it could cost you in a really bad year.

          Not including the monthly premiums which will cost what they cost every year.

          I think the hard part is going to be the hit most people take most years. Yes, we get good (it sounds like to me) preventive care. But we will never, except in bad years, hit our deductible.

          So, basically, we have catastrophic coverage.

          Except for the preventive stuff, which is not nothing but. . .

          If I lived in a humane state (I don't) and made enough to qualify for one of the plans with a low but high enough to qualify for a subsidy income (I don't), I'd have a low premium, say $100 a month(?), and a deductible that I would never meet. So I get sick and pay -- I pay the monthly premium, I pay the co-pay, I pay the cost of the office visit and the blood test and the follow-up visit and the prescription. And I still haven't met my deductible.

          Unless you have a bad healthcare year, I think a lot of people are not going to meet their deductible and, basically, won't be covered for anything but well-care visits and hospitalization. Which isn't nothing but it's not healthcare.

        •  And you are right about that. The % is less if (1+ / 0-)
          Recommended by:

          you have a subsidy but it can still be a nice piece of change for the policy.  My biggest medical expense is dentistry.  I stay as far away from medical doctors as I possibly can.  The insurance is still appears to be quite expensive even with some sort of subsidy if I qualify for it.  Will it keep me from Bankruptcy if something major happens...probably not.

          But right now I'm just waiting to see what the plans are and what the real prices are going to be here.  I'm hoping that those Kaiser numbers are California prices and that they will be lower here.  

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