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View Diary: The ACA "train wreck" with my healthcare insurance (202 comments)

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  •  Got our rebate (2+ / 0-)
    Recommended by:
    Sixty Something, Odysseus

    for over $300 a few weeks ago. We use Freelancer's Insurance Co. but don't think we've got any letter yet.

    It'll be interesting to see how ACA affects union negotiated health insurance plans. In fact it's amazing to me that the GOP hasn't figured out that their master plan to eliminate unions can largely be achieved by offering every citizen free health care. At that point one of the main reasons for unions to exist (negotiated benefits) will be forever off the table. Mystifying why conservatives haven't figured this out yet.

    •  Union negotiated health insurance (0+ / 0-)

      I heard that this is actually an area of concern.  I understand that there is an excise tax on "Cadillac" plans.  I don't know if that's really been defined.

      It's possible that some union plans may fall under this category.  Especially for unions who gave up salary increases in lieu of benefit increases.

      Not really sure ... just remembering something I heard on Morning Joe (of all places!).

      •  There is no reason that those with FREE (0+ / 0-)

        health insurance through a union not to pay a small tax...eveyone else chips in to pay something, I work at the BORG and I pay

        I am a union supporter but they do have to live in the real world too

        "The poor can never be made to suffer enough." Jimmy Breslin

        by merrywidow on Thu Sep 26, 2013 at 09:44:35 AM PDT

        [ Parent ]

        •  To the best of my knowledge (1+ / 0-)
          Recommended by:
          Willa Rogers

          No union health insurance plan is "free" -- members of the union pay a share towards their premiums, just like most working stiffs.

          When I started working in 1978, there was no copay for any medical services, and my insurance plan covered dental as well as vision. That vanished during the era of HMOs.

          Was health insurance EVER free to certain employees? I've seen my grandparents pay stubs, my parents pay stubs, my sister's pay stubs -- and there was always money deducted for health insurance.

          The only folks I've ever heard of who had free medical care were enlisted in the military and THAT was during WWII.

          •  Actually UPS health insurance is free. (0+ / 0-)

            They are Teamsters' Union.  My brother is a UPS driver and pays nothing toward his health insurance, which, I should add, is excellent & includes dental & vision. Not sure if he has copays, but I know he does not have anything deducted from his pay.  Probably families might have to contribute some, but he's a single guy, so it's all free.

            There was a kerfuffle recently about UPS changing policy (due to the ACA, they said) so that spouses of employees would have to use their own company insurance if they were employed.  It got media attention, but I didn't think it was a big deal really; my husband's fairly generous employer had that same policy years ago.  Made things a bit more complicated for us with the paperwork, but we didn't think it was unreasonable.

    •  Freelancers (0+ / 0-)

      is selling policies on & off exchange here in NY.

      They got a huge grant from some provision of the ACA and expanded their availability outside of NYC.

      They have the lowest published rates on the NYS exchange. I am interested to see their network in the upstate area I am from. There may be a mass exodus from BCBS in the area if the network is good enough!

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