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View Diary: Merkley co-sponsors Landrieu bill to allow consumers to keep health plans (159 comments)

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  •  Yes, some of these policies are bad, but ... (5+ / 0-)

    mine is from Blue Cross and seems to not qualify under Obamacare only because of the $10,000 deductible. Doctor visits only require a copay, and the policy pays for preventive services outside of the deductible--so it works for me now. And if I were to have something serious, I could pay the $10,000.

    But Blue Cross says they will cancel the policy in a year, and my visit to the exchange showed that the cheapest Obamacare policy will be $50 more per month. That has a $6,000 deductible, but seeing that my medical needs now don't charge against the deductible, that doesn't matter.

    Well, my point is that some of the policies being canceled aren't bad policies, forcing the policy holder to use emergency room services that they cannot pay for. They just don't in some way meet the Obamacare standards--like apparently having a higher than normal deductible--and may in fact be perfectly fine policies.

    For many of us who are self-employed, $50 per month is real money.

    •  Lies! You are too stupid to realize that (0+ / 0-)

      your policy was junk. You should be happy for your 6000 dollar deductible. ENJOY YOUR QUALITY HEALTH INSURANCE!!!!!

      Look, I tried to be reasonable...

      by campionrules on Wed Nov 13, 2013 at 10:54:34 AM PST

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      •  Easy, dude (1+ / 0-)
        Recommended by:
        Edward Adams

        An honest response doesn't deserve a hostile reply.

        What stronger breast-plate than a heart untainted! Thrice is he arm'd, that hath his quarrel just; And he but naked, though lock'd up in steel, Whose conscience with injustice is corrupted. King Henry, scene ii

        by TerryDarc on Wed Nov 13, 2013 at 12:39:45 PM PST

        [ Parent ]

    •  Think of that $50 more as the premium increase (1+ / 0-)
      Recommended by:

      you might have paid for the old policy anyway . . . Or have you never had a premium increase foisted on you by your insurer before for the same policy?

      "Lone catch of the moon, the roots of the sigh of an idea there will be the outcome may be why?"--from a spam diary entitled "The Vast World."

      by bryduck on Wed Nov 13, 2013 at 12:31:34 PM PST

      [ Parent ]

      •  Well, again my point is ... (1+ / 0-)
        Recommended by:

        that some of the policies being cancelled are not junk policies, and people with these policies will not be happy to be paying more on the exchanges for something not much better.

        The discussion here seems to be suggesting that the cancelled policies are all junk policies that don't do the policy holders much good, but that is simply not the case.

        •  If they are decent policies, why (0+ / 0-)

          don't the companies simply do the obviously small things necessary to align them with the new requirements? Either they aren't decent policies and their consumers are lying about that, or the insurance companies are making political hay about being "forced to cancel" decent policies when they aren't, since all existing policies were grandfathered.
          We are hearing an awful lot about what must be a very small percentage of policies that are any good at all, imho.
          Yes, some may not be junk, but surely you agree that any that conform to the new restrictions are not, and that none that exceed those restrictions are getting canceled. Otherwise, the insurance companies are just ripping their consumers off when they don't have a justification for doing so, which isn't the ACA's fault.

          "Lone catch of the moon, the roots of the sigh of an idea there will be the outcome may be why?"--from a spam diary entitled "The Vast World."

          by bryduck on Sat Nov 16, 2013 at 10:27:11 AM PST

          [ Parent ]

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