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I know this is not a diary, but I had so much fun I had to share this….

I contacted Senator Rubio’s office to inform him that I received a better and cheaper insurance plan than I had last year…First, I asked if the Senator was still looking to repeal the ACA. When I was told yes; I told the Senators staff to “take your gov’t hands off of my private insurance.”  

To be honest I believe I kind of caught the person off guard as his answer was first met with silence and then that he would pass the message along…IT FELT GREAT>>>>>


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Comment Preferences

  •  Don't Tease the Monkeys. (4+ / 0-)
    Recommended by:
    jsfox, NM Ray, Patate, OregonWetDog
  •  I don't get what's so affordable... (0+ / 0-)

    about the "affordable" care act. I have insurance through my employer but out of curiosity, I punched in my details on the Covered California site and the catastrophic insurance plans all start at $159/month and have $5000 deductibles. That's no affordable. That's a car payment.

    No offense.

    •  Huh? (5+ / 0-)

      Ok what do you plus your employer pay for your health insurance per month? I am going to bet it way way above $159 per month. And you realize this is why they are called catastrophic plans dirty cheap, high deductible just to cover some medical catastrophe.

      Just as a hint our healthcare cost including what employer pays runs about $1000 plus a month.

      Frankly, I’m getting more than a little tired of hearing from angry America. I’m also less than fond of knee-jerk America. And when you combine the two with the Internet, you too often get stupid America, which is really annoying.

      by jsfox on Tue Apr 01, 2014 at 01:55:56 PM PDT

      [ Parent ]

      •  I pay... (0+ / 0-)

        thirty dollars per pay period, so sixty dollars per month and my employer pays the other 50% for a total of $120.

        Like, I said, no offense, I wasn't trying to be critical but if I didn't have insurance via my employer and I was faced with $159/month (the cheapest catastrophic plan, others were upwards of $200+ dollars/month), I couldn't afford that.

        Therefore, by definition it isn't affordable.

        •  Oh really? (6+ / 0-)

          I got a silver plan - $500 deductible, $500 max out-of-pocket per year, NO copays - for $49/month.

          The true cost of the plan is $7002/year.  With the subsidy, I got it for $588/year.

          I am 60 years old, in WI.

          This is the first time I've been able to afford health insurance in 8 years.

          So yes - it's affordable.  For me.  And millions like me.

          Your flag decal won't get you into heaven anymore. John Prine -8.00,-5.79

          by Miss Blue on Tue Apr 01, 2014 at 03:40:28 PM PDT

          [ Parent ]

        •  I find it hard to believe (1+ / 0-)
          Recommended by:

          that your employer can find insurance for $120/month/employee.  Are you at the same company you were last year? Were you there all last year? If so, what does your W2 say about your total insurance cost for last year?  

          How many people work at your company?

          •  I've worked at this company... (0+ / 0-)

            since the summer of 2012 and the insurance is a relatively new benefit added during the spring of 2013. I have no reason to lie about what I pay for my insurance - you want to see a picture of my pay stub or something? Why is it hard to believe?

            I have an office visit co-pay of $15 and emergency room co-pay of $75. I have no deductible in network and a $250 deductible out of network.

            My employer is an international company with 37,000 employees in 52 countries according to Wikipedia. I don't know how many of them are in the U.S.  

            Regardless, $159/month for a catastrophic plan is not affordable in my opinion, yet that is the cheapest available in my state for a person like me.

            As an important aside: I support a single-payer health care system that provides universal care. I think its stupid to force people to buy health insurance. I think the "Affordable" Care Act is not very affordable.

            Now, what's with all the boasting about 7 million people insured under this ACA? CBO said in 2010 there were 50.7 million uninsured. So the ACA is 13.8% successful? Great.

            But then again, not all of those 7 million were previously uninsured. Screw it. Just levy a tax and provide all 50.7 million with universal care. No need to hold onto this ACA out of pride. Sorry, don't be offended.

            •  I wonder if your insurance cost (2+ / 0-)
              Recommended by:
              LouisJMarinelli, voteearly

              is amortized over cheap areas of the country or the world.

              $120/month/employee is very very cheap for employer insurance. What does your W2 say about your total insurance cost? (Your W2 says how much was spent for your insurance, counting what you paid and what your employer paid.) I don't think you are lying, but I do think you might be mistaken about how much your employer is contributing.  

              Or the other thing would be that your employer is self-insuring. They probably are; most companies of their size do self-insure. Companies that self-insure are likely not to be accurate about their insurance costs. Again, I'm not suggesting that YOU are lying. What I am suggesting is that insurance in California for a group of people including older people costs a whole lot more than $120/month/employee.

              There's no magic here. Health care costs in California are very expensive. Insurers have a limited ability to alter those health care costs.

              Some people here are quick to accuse people of trolling. I do not believe you are a troll.

        •  thirty dollars per day (0+ / 0-)

          equals sixty dollars a month? The cheapest I can make $30 dollars per day come out to is $840 and this is because February only has 28 days.

          Frankly, I’m getting more than a little tired of hearing from angry America. I’m also less than fond of knee-jerk America. And when you combine the two with the Internet, you too often get stupid America, which is really annoying.

          by jsfox on Wed Apr 02, 2014 at 06:31:17 AM PDT

          [ Parent ]

    •  I'm paying over $400 a month (1+ / 0-)
      Recommended by:

      True, before the ACA if you bought insurance on the individual market, I heard horror stories of it being over $1000.  But I don't find $400 per month terribly affordable either.

      Affordable health care is Canadian health care.

      •  I agree... (1+ / 0-)
        Recommended by:

        so perhaps it should be the cheaper care act because these premiums are not so affordable. Cheaper, possibly, but not affordable - at least by those who it is meant to help get insurance.

      •  Not just the individual market (2+ / 0-)
        Recommended by:
        kurt, worldlotus

        I work for a major university with 20,000+ employees. We can choose from 3 health coverage options. The university subsidy is set at 90% of the least expensive of the 3 plans.

        I use that cheapest plan, for which I pay $136 per month. The university pays $1,224. And this is an HMO that is restricted to university hospitals and associated clinics. I don't even want to know what the Blue Cross PPO costs!

        I am divorced with no children. That premium is for me only.
        To be fair, this HMO covered preventive screenings, wellness programs, contraceptives, etc. long before ACA. The only change to make it compliant was lifting the lifetime benefits cap.

        Then again, my co-pays and other out-of-pocket costs are dirt cheap. I helped a friend get signed up for ACA, and my eyes almost popped out of my head when I saw $2,500 deductible. And a bunch of stuff doesn't count toward the deductible.

        But that is the trade-off.  The total up front payment for my HMO is high,  but I am out very little when I actually get sick or injured. My friend's up-front costs are lower, even after accounting for the government subsidy paid on his behalf.  But he will be on the hook for more if he ever needs to use the insurance.

        They get you coming, or they get you going.

        Just because you're not a drummer doesn't mean that you don't have to keep time. -- T. Monk

        by susanala on Tue Apr 01, 2014 at 02:59:09 PM PDT

        [ Parent ]

        •  That seems really high (0+ / 0-)

          I work for a private company with ~7k employees. We also have the choice of three plans, and I picked the most expensive. My total monthly premium (self + employer) just went up to $1100. That's for both myself and my wife and it has a $2k max OOP and a $0 deductible for pretty much everything other than prescriptions and durable medical equipment.

          Geographical differences?

    •  looks like (1+ / 0-)
      Recommended by:
      art ah zen

      that's about a quarter of what you would have had to pay for the same insurance in the  private market place 2 years ago

      The Senate has no guts. The House has no brains.

      by gossamer1234 on Tue Apr 01, 2014 at 02:00:38 PM PDT

      [ Parent ]

    •  Nice profile (4+ / 0-)
      Recommended by:
      art ah zen, flatford39, Miss Blue, JLan
      I'm a former Republican and social conservative turned Libertarian and ACLU member. My educational background is in the environmental sciences, so I'm also an environmentalist. I am a citizen of California and support California sovereignty.

      I'm a Vietnam Era vet. I'm also an Erma Bombeck Era vet. When cussing me out and calling me names please indicate which vet you would like to respond to your world changing thoughts.

      by Just Bob on Tue Apr 01, 2014 at 02:24:43 PM PDT

      [ Parent ]

  •  The way to make it affordable is (3+ / 0-)

    Single Payer!!!!!!!  

    My Brothers Keeper

    by Reetz on Tue Apr 01, 2014 at 02:03:44 PM PDT

  •  The Republicans made it more Expensive (6+ / 0-)

    The Democrats negotiated with the Republicans and so it was not Single Payer.  

    If you have any complaints about the cost, about making it less expensive, tell anybody who voted for a Republican.  If you want to make government more cost effective, the first thing you need to do is get rid of the Tea Party.  The second thing you need to do is get rid of the Republican Party.

    Then, when you have people who think that government can work, and that people can negotiate in good faith to make government work better, you will have a good start.

    Voters should select people to represent them in their government. People in government should not select people who may vote!

    by NM Ray on Tue Apr 01, 2014 at 02:16:07 PM PDT

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