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Tue Mar 7, 2017, 03:29 PM

They just said a short while ago if you did not take the insurance the

penalty would be having to pay more when you get it. Spacer just said you are not forced to get insurance...well, that sounds like a forcing you to get it to me. You can not afford it now and you sure as hell are not going to be able to afford it later.

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Arrow 39 replies Author Time Post
Reply They just said a short while ago if you did not take the insurance the (Original post)
Doreen Mar 2017 OP
sunonmars Mar 2017 #1
Doreen Mar 2017 #2
sunonmars Mar 2017 #5
Doreen Mar 2017 #7
unblock Mar 2017 #3
Hortensis Mar 2017 #4
FSogol Mar 2017 #8
Hortensis Mar 2017 #11
Ilsa Mar 2017 #9
Phoenix61 Mar 2017 #10
Ilsa Mar 2017 #20
Hortensis Mar 2017 #14
Ms. Toad Mar 2017 #13
dixiegrrrrl Mar 2017 #17
doc03 Mar 2017 #28
Ms. Toad Mar 2017 #29
moonscape Mar 2017 #32
Ms. Toad Mar 2017 #36
moonscape Mar 2017 #38
FSogol Mar 2017 #6
Ms. Toad Mar 2017 #12
Delmette2.0 Mar 2017 #15
Doreen Mar 2017 #16
Delmette2.0 Mar 2017 #21
Doreen Mar 2017 #22
Delmette2.0 Mar 2017 #24
Motownman78 Mar 2017 #25
Delmette2.0 Mar 2017 #39
dalton99a Mar 2017 #18
Doreen Mar 2017 #19
roamer65 Mar 2017 #23
applegrove Mar 2017 #26
Doreen Mar 2017 #27
applegrove Mar 2017 #30
Doreen Mar 2017 #31
applegrove Mar 2017 #33
Doreen Mar 2017 #34
applegrove Mar 2017 #35
Doreen Mar 2017 #37

Response to Doreen (Original post)

Tue Mar 7, 2017, 03:31 PM

1. This is basically like loan sharking......

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Response to sunonmars (Reply #1)

Tue Mar 7, 2017, 03:35 PM

2. I do not understand loan sharking but I know what you mean.

It is criminal.

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Response to Doreen (Reply #2)

Tue Mar 7, 2017, 03:42 PM

5. its basically pay up now or the bill get larger and larger and larger

It takes the vulnerable and ruins them with debt....kind of like the GOP plan.

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Response to sunonmars (Reply #5)

Tue Mar 7, 2017, 03:43 PM

7. Yup.

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Response to Doreen (Original post)

Tue Mar 7, 2017, 03:39 PM

3. i've said all along, they'll keep the mandate, largely just change the name.

even when aca was originally passed, i said they could have kept the exact same financial features, but instead of calling it a "mandate" where you have to buy insurance or else pay a "penalty", they could have called it a "tax hike" where you get an refundable "tax credit" if you buy insurance.

mathematically equivalent, but avoids the "mandate" term.

of course, there's also room to slightly tweak it to disguise it further, but yeah, it's a mandate by any other name. an inducement to buy.

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Response to Doreen (Original post)

Tue Mar 7, 2017, 03:40 PM

4. 30% premium surcharge for a year if there's a 2-month gap

in coverage for some reason. Like from being broke after losing a job. The 30% does not go into the common till to pay for the healthcare program but is instead profit for the insurance companies.

It would, of course, encourage younger, healthier people to delay purchasing new coverage for some while, even years, while those who are sick would be forced to somehow ante up, thus contributing to funding problems.

It's also just ONE of the first steps in dismantling national healthcare altogether. More to come in following months.

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Response to Hortensis (Reply #4)

Tue Mar 7, 2017, 03:44 PM

8. If Paul Ryan is smiling, someone is suffering.

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Response to FSogol (Reply #8)

Tue Mar 7, 2017, 04:01 PM

11. He's smiling because he imagines everyone will

ultimately pay his or her own way or die, a brutal way to what he imagines would be a healthier, more vigorous and worthy society. Without all those worthless, no-longer-productive retired moochers around.

Very stupid imagining. Libertarianism always loses to strongly conservative or even fascistic authoritarian rule. And some of us actually like being part of multigenerational families and taking the new babies over to visit elderly neighbors.

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Response to Hortensis (Reply #4)

Tue Mar 7, 2017, 03:50 PM

9. And COBRA is rediculously expensive. It eats up 80%

of a maximum monthly unemployment check.

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Response to Ilsa (Reply #9)

Tue Mar 7, 2017, 03:59 PM

10. COBRA isn't insurance, per say

It's a law that allows you to purchase medical insurance through your former employer for up to 18 months. Pre ACA it was a way to maintain coverage until you could get another job and pick up coverage there. My 18 months ends in August. Not sure what will be available then.

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Response to Phoenix61 (Reply #10)

Tue Mar 7, 2017, 08:28 PM

20. Exactly. My point was that you pay out of pocket to

Just keep your coverage. No assistance until you are penniless. We had a few sleepless nights

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Response to Ilsa (Reply #9)

Tue Mar 7, 2017, 04:17 PM

14. Back in the 1990s, my husband changed from being

a subcontractor at JPL to being an employee, not a day lost from work or of insurance coverage, but it triggered a COBRA letter: We should immediately mail our check for $2,999 for the next 3 months' coverage in order to continue coverage at all.

Horrified isn't the word on reading this as I wondered how many people facing loss of their income, especially young families without assets, would not be able to meet it and also keep the power on, and the children fed, and...

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Response to Hortensis (Reply #4)

Tue Mar 7, 2017, 04:12 PM

13. As long as it's only a 1-year surcharge, probably.

I might risk a 30% hit for a year if I don't normally use insurance. Are you sure it's only a year?

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Response to Ms. Toad (Reply #13)

Tue Mar 7, 2017, 06:06 PM

17. Medicare does the same thing with Plan B.....

Medicare Plan A is premium free, but has high deduct if you need hospitalization.
Plan B is for "outpatient" which is essentially all Dr. visits outside of a hospital, all lab work, in or out of a hospital.
If you do not sign onto Plan B when you turn 65 ( currently) you pay more for all future Plan B monthly premiums..
10 % if you sign on at age 66
15$ at age 67..( I think it is 15%....I KNOW it is 10% for age 66)

Meanwhile, the monthly premiums for the non-rich have stayed pretty low cause Soc. Sec. increases have been low t non-existent for teh past few years, and the premiums cannot cause a decrease in your Soc. Sec. income if you are in a lower tax bracket.

thus the ACA was a ripoff to the extent it allowed hellishly high premium increases.

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Response to dixiegrrrrl (Reply #17)

Wed Mar 8, 2017, 12:36 AM

28. Plan D the drug program also charges more if you don't sign up when you are 65. I am 68 and spend

very little on meds but if you don't sign up now and need the coverage later premiums would be much higher.

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Response to dixiegrrrrl (Reply #17)

Wed Mar 8, 2017, 12:43 AM

29. My question is whether it is a one year surcharge - or a forever surcharge.

There is a significant difference in cost.

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Response to Ms. Toad (Reply #29)

Wed Mar 8, 2017, 01:03 AM

32. With Part D (prescription drug), you are fined 1% in additional premium

for every month you go without coverage. For life. So, 12% additional in premiums every year you don't have it.

The monthly premiums are so low for the cheapest plans, that it seems fair. Each year during open enrollment you can switch to another plan. Otherwise, people would just sign up when they started needing medication.

Also, those with very low income can get premium assistance.

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Response to moonscape (Reply #32)

Wed Mar 8, 2017, 02:13 AM

36. That's quite different from a 30% surcharge for life

for people who can't afford health insurance in the first place.

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Response to Ms. Toad (Reply #36)

Wed Mar 8, 2017, 02:28 AM

38. Absolutely. No comparison. n/t

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Response to Doreen (Original post)

Tue Mar 7, 2017, 03:43 PM

6. The Republicans looked at the healthcare system and decided it needed more usury.

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Response to Doreen (Original post)

Tue Mar 7, 2017, 04:09 PM

12. Well . . . it's not a mandate

it's an ongoing surcharge once you ultimately need health insurance that is far larger than the tax penalty would have been for not carrying insurance in the first place.

But yes, it penalizes people who have to choose between food and health insurance by boosting their insurance premiums by 30% once they return to the fold.

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Response to Doreen (Original post)

Tue Mar 7, 2017, 04:29 PM

15. I prefer to pay the government the penalty,

At least that will help offset the subsidy that someone else received.

I couldn't see paying an insurance company over $6,000 a year for premiums then $6,000 in deductibles before they would kick in 70%. I have six more months before I qualify for Medicare....if that still exists by then.



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Response to Delmette2.0 (Reply #15)

Tue Mar 7, 2017, 04:34 PM

16. I am waiting nervously for my Medicare to end.

We all know that they are going to screw Soc-Sec and Medicare also. If you listen the dictator said "he" was not going to mess with it but he has a bunch of people in his cabinet that will.

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Response to Doreen (Reply #16)

Tue Mar 7, 2017, 10:29 PM

21. I have paid into SSA and Medicare for 45 years,

I'm eligible just in time to see it deminished.

Fuck 45, Fuck the GOP

Hang in there maybe this can be salvaged before any damage is done.....like impeaching him.

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Response to Delmette2.0 (Reply #21)

Tue Mar 7, 2017, 10:53 PM

22. To bad you can't add it all up and get your mony back.

This sucks on so many levels and I mean very many levels.

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Response to Doreen (Reply #22)

Tue Mar 7, 2017, 11:09 PM

24. You are so very right.

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Response to Delmette2.0 (Reply #15)

Wed Mar 8, 2017, 12:24 AM

25. Sure

 

Until you are like me last week. There I was just sitting at home and BAM, a MRSA infection and major surgery to remove it. Oh, and I was in the hospital for 3 full days. Thank goodness I have health insurance so I didn't have to pay $35,000.

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Response to Motownman78 (Reply #25)

Wed Mar 8, 2017, 10:20 AM

39. I am truly sorry and glad you have insurance.

I am lucky to have had just a couple minor problems. I just dislike the health insurance industry and I am willing to take my chances. I have always been for Medicare for All. I know we will all pay something but at least it won't line the pockets of CEO's, COO's,CFO's.

I hope you are recovered and doing well.

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Response to Doreen (Original post)

Tue Mar 7, 2017, 06:09 PM

18. And that money goes straight to the insurance CEOs

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Response to dalton99a (Reply #18)

Tue Mar 7, 2017, 06:13 PM

19. Yup

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Response to Doreen (Original post)

Tue Mar 7, 2017, 10:58 PM

23. Just wait until the premium increases on employer-based plans after ACA repeal.

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Response to Doreen (Original post)

Wed Mar 8, 2017, 12:29 AM

26. Yeah. Like they want to ensure that poor young people never get it.

Like everything GOP policy, it is designed to collapse.

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Response to applegrove (Reply #26)

Wed Mar 8, 2017, 12:35 AM

27. They seem to think a young person who just got out of high school and is living

in a two bedroom apartment with 5 other people and is working at McDonalds on minimum wage can afford health care.

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Response to Doreen (Reply #27)

Wed Mar 8, 2017, 12:51 AM

30. Well they get to stay on their parents plan till they are 26. But what then

since robots and algorithms will have taken all the skilled and semi-skilled jobs. And if they finally do get enough in wages to pay for insurance one day they have a huge penalty to pay.

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Response to applegrove (Reply #30)

Wed Mar 8, 2017, 01:00 AM

31. Yes, but what if their parents can not afford to have them on their plan?

What if the parents never had them on a plan because they did not have a plan themselves?
They are going by the assumption that the parents can afford them.
I fear one of the things they may try in the future is that parents by law have to have their kids insured whether they can afford it or not or they will be fined or put in jail.

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Response to Doreen (Reply #31)

Wed Mar 8, 2017, 01:16 AM

33. Very scary. And it looks like they are going to put medicare into a death

spiral at the same time.

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Response to applegrove (Reply #33)

Wed Mar 8, 2017, 01:24 AM

34. Yeah, they plan on it and that is where I am screwed.

It might be a little longer but not to much longer.

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Response to Doreen (Reply #34)

Wed Mar 8, 2017, 01:55 AM

35. Don't worry. The Democrats will win huge in 2020.

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Response to applegrove (Reply #35)

Wed Mar 8, 2017, 02:23 AM

37. I hope so. If we do there is gong to be a lot of

damage to repair and I do not know if we will be able to fix it. One of the things that scares me though is dictator succeeding in taking the vote away period. Yeah, I know it is not legal but how much has he done that is legal?

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