Fuck you Obama

[mrsleeve]

I dont pay out of my check, its a fringe benefit provided by my employer over and above my W2 income, paid at a set rate per hour worked, just like my retirement contributions. I have my deductibles and CoPays of course, I dont see the cost of the premium unless I run out of money in my escrow then I am out of my pocket.....

[smooth]

you're complaining about premiums you don't pay? that your employer pays on your behalf?

that's an odd way of discussing your out of pocket expenses for medical coverage. that would make more sense if you were an employer...but then you'd have a longer span of time and expense to evaluate the situation whether this was better or worse for you financially. i don't think anyone else in this thread is calculating their expenses like that, except for parsedout. i already suspected that's what parsedout was doing given the rates he's claiming. but I think everyone else interpreted your claims and his as out of pocket expenses that rose as a direct consequence of the new legislation.

[mrsleeve]

I am not complaining am stating a fact that my premiums my employers are paying for are going up and while I have one of those fancy gold plated plans that its not fair that other people dont, its fucking expensive. Good coveage is getting even more out of hand under 0 care than before 0 care

[BraveUlysses]

Right, which is evidenced by the fact that health care premiums weren't going up prior to ACA

[mrsleeve]

hence why I said this.... Or did this slip your grasp


Good coveage is getting even more out of hand under 0 care than before 0 care

[CorvallisBMW]

I dont pay out of my check, its a fringe benefit provided by my employer over and above my W2 income, paid at a set rate per hour worked, just like my retirement contributions. I have my deductibles and CoPays of course, I dont see the cost of the premium unless I run out of money in my escrow then I am out of my pocket.....

Wait... so you're complaining that costs went up for your plan, but you don't pay them? I don't see why you're complaining then

[Exodus_2pt0]

Just because an employer is eating the cost doesn't mean they won't decide to pass some more cost onto you.

I've been staying out, but just thought I would point that out. Just because someone is picking up the tab for you does not mean there is no issue.

I am paying very little for a no deductable plan, I don't even want to think about what my employer is paying for me.

[BraveUlysses]

Just because an employer is eating the cost doesn't mean they won't decide to pass some more cost onto you.

I've been staying out, but just thought I would point that out. Just because someone is picking up the tab for you does not mean there is no issue.

I am paying very little for a no deductable plan, I don't even want to think about what my employer is paying for me.

Well, you should think about it. You should think about why we are paying 2 to 3 times as much per person in this country compared to other (more) developed countries. You should think about why we spend that much and don't even cover everybody.

[Exodus_2pt0]

Is there really a question? Slow inflation of medical costs due to insurance paying said costs without question, end result is fuck the little guy.

Same with auto repair. There is a reason why you get a lower estimate if paying out of pocket.

Medical costs are insane. I recently got a $800 bill for 3 staples in my head. How can insurance be cheap with bullshit like that?

[BLACKCHARM88]

Watched a whole tv special thingy, taked about how Clinton fucked things with open trade and Obama screwed things. I know Bush messed some things up but he did some good, I got to participate in a war so I'm good with that.

[Schnitzer318is]

Is there really a question? Slow inflation of medical costs due to insurance paying said costs without question,

I agree, health care is billed excessively... especially in the case of emergency care. But insurance companies most certainly do not pay without question. On numerous occasions Humana has negotiated the bill down to save themselves money when paying our bills.

[smooth]

After my shoulder surgery I was slapped with an extra $20,000 dollar bill for the "out of network" anesthesiologist even though I went to an in-network hospital, to an in-network doctor, and tried to ensure that everyone in the operating room was in-network by asking everyone involved before the surgery (including labs and x-rays, and every single little thing because before my surgery I spoke with a claims rep and she cautioned me that sometimes one little thing can be out of network and a huge bill ensues)...so armed with that info I did my due diligence yet the one person I couldn't ask (for what seemed like obvious reasons--namely that I was under anesthesia lol) happened to not be in my insurance network plan.

so that was a few year financial battle until the resolution was that the hospital ate half as a "charity" write-off and the anesthesia group wrote the other half off due to financial difficulty (I was finishing grad school at the time and damn near tore my arm off coming down the backside of a snowboarding trail).

[Nick_S]

My previous employer I was with for nearly 5 years (laid off almost exactly a year ago) paid for our health care coverage. When I started in early 2009 our coverage was incredible, dental, vision the works and didn't cost them all that much. As time progressed it got to be more and more expensive and slowly we started to lose coverage. First vision, then dental became a buy in, then cut completely. Then in the last year or two when the whole Obamacare thing really kicked in, our premiums all skyrocketed. What they could afford to cover left us with extremely minimal plans with high deductibles and limited coverage.

When I was laid off I obviously lost my coverage and since have moved out to California with my GF. I had a job lined up here and I don't make really good money, but it's not like I'm in poverty ($40K/yr). Problem is out here the cost of living completely offsets my salary and I've been supporting two people till recently. I simply can't afford insurance right now. I barely break even every month and can't afford the added expense from insurance. Fully aware if something happens I also can't afford medical bills so I'm at a shitty crossroads of what I can do. My income has me above the level where I can't get real heavy discounts but I don't make enough to afford the premiums. Life is hard:-(

[roguetoaster]

My previous employer I was with for nearly 5 years (laid off almost exactly a year ago) paid for our health care coverage. When I started in early 2009 our coverage was incredible, dental, vision the works and didn't cost them all that much. As time progressed it got to be more and more expensive and slowly we started to lose coverage. First vision, then dental became a buy in, then cut completely. Then in the last year or two when the whole Obamacare thing really kicked in, our premiums all skyrocketed. What they could afford to cover left us with extremely minimal plans with high deductibles and limited coverage.

When I was laid off I obviously lost my coverage and since have moved out to California with my GF. I had a job lined up here and I don't make really good money, but it's not like I'm in poverty ($40K/yr). Problem is out here the cost of living completely offsets my salary and I've been supporting two people till recently. I simply can't afford insurance right now. I barely break even every month and can't afford the added expense from insurance. Fully aware if something happens I also can't afford medical bills so I'm at a shitty crossroads of what I can do. My income has me above the level where I can't get real heavy discounts but I don't make enough to afford the premiums. Life is hard:-(

Then do like I am, pay the dang penalty. It's only 1% of your income above minimum taxable income. So, you would pay about $300 this year, double the next, 2.5x in 2017 and a bit more each year afterwards. The maximum penalty is the national average cost of a bronze plan, not sure what that happens to be off hand.

If you had a gap in coverage there are also exemptions to look in to, be sure you do. I'd go in to it more, but your circumstances really determine the outcome.

Frankly, it's a fairly toothless piece of legislation and does not go nearly far enough towards universal coverage (for citizens!!!!). As such I think it's garbage, and on principle I refuse to pick up coverage until I see the risk/reward tilting more towards the reward side.

Would I pay ~7% of my income to see universal care, yep, 100%.

As an aside, I feel that telling any president to fuck off is simply disrespectful to the entire country OP, regardless of how you feel about legislation approved or executive orders handed out. It simply degrades public perception of the office and lowers the country unnecessarily. Politely and reasonably disagree, sure, no problem. I just wish more people and especially media personnel would take this route and restore some dignity to public office.

[Q5Quint]

https://www.youtube.com/watch?v=j7OHG7tHrNM