Tue Mar 7, 2017, 03:29 PM
Doreen (11,668 posts)
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.
|
39 replies, 3554 views
![]() |
Author | Time | 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
sunonmars (8,479 posts)
1. This is basically like loan sharking......
Response to sunonmars (Reply #1)
Tue Mar 7, 2017, 03:35 PM
Doreen (11,668 posts)
2. I do not understand loan sharking but I know what you mean.
It is criminal.
|
Response to Doreen (Reply #2)
Tue Mar 7, 2017, 03:42 PM
sunonmars (8,479 posts)
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.
|
Response to Doreen (Original post)
Tue Mar 7, 2017, 03:39 PM
unblock (50,243 posts)
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. |
Response to Doreen (Original post)
Tue Mar 7, 2017, 03:40 PM
Hortensis (51,661 posts)
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. |
Response to Hortensis (Reply #4)
Tue Mar 7, 2017, 03:44 PM
FSogol (42,631 posts)
8. If Paul Ryan is smiling, someone is suffering.
![]() |
Response to FSogol (Reply #8)
Tue Mar 7, 2017, 04:01 PM
Hortensis (51,661 posts)
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. |
Response to Hortensis (Reply #4)
Tue Mar 7, 2017, 03:50 PM
Ilsa (59,329 posts)
9. And COBRA is rediculously expensive. It eats up 80%
of a maximum monthly unemployment check.
|
Response to Ilsa (Reply #9)
Tue Mar 7, 2017, 03:59 PM
Phoenix61 (12,730 posts)
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.
|
Response to Phoenix61 (Reply #10)
Tue Mar 7, 2017, 08:28 PM
Ilsa (59,329 posts)
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
|
Response to Ilsa (Reply #9)
Tue Mar 7, 2017, 04:17 PM
Hortensis (51,661 posts)
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 $2,999 for the next 3 months' coverage in order to continue coverage at all.
Horrified isn't the word on reading this as I wondered how many people facing loss of their income, especially young families without assets, would not be able to meet it and also keep the power on, and the children fed, and... |
Response to Hortensis (Reply #4)
Tue Mar 7, 2017, 04:12 PM
Ms. Toad (29,435 posts)
13. As long as it's only a 1-year surcharge, probably.
I might risk a 30% hit for a year if I don't normally use insurance. Are you sure it's only a year?
|
Response to Ms. Toad (Reply #13)
Tue Mar 7, 2017, 06:06 PM
dixiegrrrrl (59,952 posts)
17. Medicare does the same thing with Plan B.....
Medicare Plan A is premium free, but has high deduct if you need hospitalization.
Plan B is for "outpatient" which is essentially all Dr. visits outside of a hospital, all lab work, in or out of a hospital. If you do not sign onto Plan B when you turn 65 ( currently) you pay more for all future Plan B monthly premiums.. 10 % if you sign on at age 66 15$ 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. |
Response to dixiegrrrrl (Reply #17)
Wed Mar 8, 2017, 12:36 AM
doc03 (30,577 posts)
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.
|
Response to dixiegrrrrl (Reply #17)
Wed Mar 8, 2017, 12:43 AM
Ms. Toad (29,435 posts)
29. My question is whether it is a one year surcharge - or a forever surcharge.
There is a significant difference in cost.
|
Response to Ms. Toad (Reply #29)
Wed Mar 8, 2017, 01:03 AM
moonscape (3,786 posts)
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. |
Response to moonscape (Reply #32)
Wed Mar 8, 2017, 02:13 AM
Ms. Toad (29,435 posts)
36. That's quite different from a 30% surcharge for life
for people who can't afford health insurance in the first place.
|
Response to Ms. Toad (Reply #36)
Wed Mar 8, 2017, 02:28 AM
moonscape (3,786 posts)
38. Absolutely. No comparison. n/t
Response to Doreen (Original post)
Tue Mar 7, 2017, 03:43 PM
FSogol (42,631 posts)
6. The Republicans looked at the healthcare system and decided it needed more usury.
![]() |
Response to Doreen (Original post)
Tue Mar 7, 2017, 04:09 PM
Ms. Toad (29,435 posts)
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. |
Response to Doreen (Original post)
Tue Mar 7, 2017, 04:29 PM
Delmette2.0 (3,292 posts)
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. |
Response to Delmette2.0 (Reply #15)
Tue Mar 7, 2017, 04:34 PM
Doreen (11,668 posts)
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.
|
Response to Doreen (Reply #16)
Tue Mar 7, 2017, 10:29 PM
Delmette2.0 (3,292 posts)
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. |
Response to Delmette2.0 (Reply #21)
Tue Mar 7, 2017, 10:53 PM
Doreen (11,668 posts)
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.
|
Response to Doreen (Reply #22)
Tue Mar 7, 2017, 11:09 PM
Delmette2.0 (3,292 posts)
24. You are so very right.
Response to Delmette2.0 (Reply #15)
Wed Mar 8, 2017, 12:24 AM
Motownman78 (491 posts)
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.
|
Response to Motownman78 (Reply #25)
Wed Mar 8, 2017, 10:20 AM
Delmette2.0 (3,292 posts)
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. |
Response to Doreen (Original post)
Tue Mar 7, 2017, 06:09 PM
dalton99a (68,317 posts)
18. And that money goes straight to the insurance CEOs
Response to Doreen (Original post)
Tue Mar 7, 2017, 10:58 PM
roamer65 (31,157 posts)
23. Just wait until the premium increases on employer-based plans after ACA repeal.
Response to Doreen (Original post)
Wed Mar 8, 2017, 12:29 AM
applegrove (106,723 posts)
26. Yeah. Like they want to ensure that poor young people never get it.
Like everything GOP policy, it is designed to collapse.
|
Response to applegrove (Reply #26)
Wed Mar 8, 2017, 12:35 AM
Doreen (11,668 posts)
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.
|
Response to Doreen (Reply #27)
Wed Mar 8, 2017, 12:51 AM
applegrove (106,723 posts)
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.
|
Response to applegrove (Reply #30)
Wed Mar 8, 2017, 01:00 AM
Doreen (11,668 posts)
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. |
Response to Doreen (Reply #31)
Wed Mar 8, 2017, 01:16 AM
applegrove (106,723 posts)
33. Very scary. And it looks like they are going to put medicare into a death
spiral at the same time.
|
Response to applegrove (Reply #33)
Wed Mar 8, 2017, 01:24 AM
Doreen (11,668 posts)
34. Yeah, they plan on it and that is where I am screwed.
It might be a little longer but not to much longer.
|
Response to Doreen (Reply #34)
Wed Mar 8, 2017, 01:55 AM
applegrove (106,723 posts)
35. Don't worry. The Democrats will win huge in 2020.
Response to applegrove (Reply #35)
Wed Mar 8, 2017, 02:23 AM
Doreen (11,668 posts)
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?
|