Skip to main content

View Diary: What Republicans don't want: Florida woman cries tears of joy after getting $3.19 Obamacare policy (158 comments)

Comment Preferences

  •  The lowest cost way to buy insurance in general (0+ / 0-)

    is to buy the policy that has the highest deductibles you can afford - unless you already know you will have high medical costs.

    Higher deductibles generally means lower premiums.

    If the deductibles are not affordable, look at policies with lower deductable and see if the mix of deductibles and premium work for you.  

    The most important way to protect the environment is not to have more than one child.

    by nextstep on Wed Dec 11, 2013 at 10:45:55 AM PST

    [ Parent ]

    •  you miss the point (0+ / 0-)

      In the Bronze plans, the LOWEST deductibles are $4000.

      Out of reach for many of the people who buy those plans.

      Make the deductibles $400 instead, and then we can talk.

      In the end, reality always wins.

      by Lenny Flank on Wed Dec 11, 2013 at 11:14:50 AM PST

      [ Parent ]

      •  Bronze plans have the lowest monthly premiums (0+ / 0-)

        that is why the deductibles and out of pocket are high. Policies with low deductibles are those with high monthly premiums.

        To get lower deductibles and out of pocket, you need to look at silver, gold and platinum - which offset lower out of pocket and deductibles with higher premiums.

        Except for provider networks, essentially the same medical care is provided across the different plans.

        ACA does not allow for much in the way for lower premiums by reducing covered care (eg, maternity, substance abuse, mental health, etc.), or annual or lifetime caps on benefits.

        The most important way to protect the environment is not to have more than one child.

        by nextstep on Wed Dec 11, 2013 at 12:25:38 PM PST

        [ Parent ]

        •  and again, you miss the point (0+ / 0-)

          I already know WHY the ACA plans are shit insurance.

          The point is that nobody is going to be impressed with having to BUY the shit insurance, once they realize that they cannot actually see a doctor with them.

          So I'm a little unclear about what we gain with a health care system that doesn't actually allow many people to afford to see a doctor when they need one (isn't that the whole POINT of having a health care system?)

          Or do we plan on winning the 2016 election by lecturing people with "shoulda bought better insurance, you cheapskate"?

          In the end, reality always wins.

          by Lenny Flank on Wed Dec 11, 2013 at 12:51:37 PM PST

          [ Parent ]

          •  If you don't currently have high medical expenses (0+ / 0-)

            and the premiums on the exchanges after subsidies for plans with acceptable deductibles are still too high for you, you may be best off with the following strategy (if you cannot come up with a better solution through an ACA navigator or insurance broker):

            1 - Don't buy any insurance right now, but put money into a savings account equal to 50% to 100% of the monthly bronze premium.  

            2 - If the time comes that high medical expenses are about to happen (or have happened), sign-up with a Silver or Gold insurance policy.

            3 - If after being insured, the need for high medical expenses ends, cancel the insurance and go back to savings mode.

            The money that you saved up from not paying premiums when you did not have high expenses, could be how you make this work.

            This is not how ACA is suppose to work for you, but this may be you best of bad alternatives.

            The most important way to protect the environment is not to have more than one child.

            by nextstep on Wed Dec 11, 2013 at 01:20:40 PM PST

            [ Parent ]

            •  and yet again, you miss the point utterly . . . (0+ / 0-)
              1 - Don't buy any insurance right now, but put money into a savings account equal to 50% to 100% of the monthly bronze premium.  
              Savings account?  Many people with Bronze plans can barely afford to eat every week . . . .

              Do you actually understand how many people in America have to live . . ?

              DKos is, for the most part, less out of touch than the Goppers, but not by much.

              PS--it's not about "me". There are MILLIONS of Americans with Bronze plans, in the same boat.

              And I doubt they will rush out to vote Democratic as a show of eternal gratitude.

              In the end, reality always wins.

              by Lenny Flank on Wed Dec 11, 2013 at 01:56:57 PM PST

              [ Parent ]

Subscribe or Donate to support Daily Kos.

Click here for the mobile view of the site