General Discussion
In reply to the discussion: Screw the ACA [View all]treestar
(82,383 posts)because the subsidy is what means you can covered whereas before you could not. Before the ACA I had a high deductible. So I paid the premiums plus the cost of going to the doctor. And even had the deductible been met, would've still paid 20%. It also included some type of dental plan where you got a break, and mail in prescriptions for $10 with a small deductible on that.
There was a screening for cancer program in the state that you could qualify if your deductible was some percentage of your income. It covered Mammograms, pap smears and colonoscopies. I guess if they found something, you were on your own with your high deductible, but at least they would find it for you on the state plan. I suppose other blue states may have had such things.
After the ACA I have a low deductible relatively. And a low out of pocket maximum, relatively. I went to the doctor with a small co pay and pay $10 for most prescriptions. I have the dental plan. I pay a bit less than I did for the high deductible non insurance of before. The deductible is such that I don't qualify for the screening plan.
I don't get what blue state would leave you in the same situation you were before.
It's based on federal studies, so unless you think the banksters are behind those, the amounts should be tentatively reasonable and we can assume WTF am I supposed to do is drive a cheaper car or rent a cheaper place, because health care is not something you forego for more expensive versions of those things. If the money you make is low enough to worry about that, the subsidy should make it better, especially in a blue state. It costs more than nothing you might pay by going uninsured, of course. But then you are uninsured and potentially have to declare bankruptcy in the case of a disaster. Or you go without monitoring things that have to be monitored.