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Post by Stan's Field on Mar 3, 2015 20:38:31 GMT -6
BTW Chuck did you see the NASDAQ close yesterday. We're back. In 2000 I sold rather substantial holding of tech stocks at NASDAQ 4700. Left for Europe on the day NASDAQ hit its all time high, got back two weeks later, saw what was coming (y'all remember fuckedcompany.com?) and said thank you very much, pigs get slaughtered, I'll take my profits and call it a day. And when I say sold, I mean I sold every one of those motherfuckers. All at once. It felt kind of deviant. I've made a lot of bad choices in my time, but that wasn't one of them. Link to tax return?
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Post by socal on Mar 5, 2015 6:32:05 GMT -6
How's that Obamacare thing working out for ya? In my case my premiums have doubled since Obamasuck was passed, deductibles have been raised about four times what they were, around here people are finding it harder to find doctors who'll take the cheap-ass policies they bought through the "exchange." Yeah, it has worked out real well. As far as the world ending because the Kenyan Socialist was elected twice, that remains to be seen... Post some actual facts & figures. Otherwise you're full of aneccdotal shit again. Premiums before (Along with job & insurance plans offered) Premiums now (Along with job & insurance plans offered) For example, even though my premiums went up approx 3% last year for the same plan my work offers, it still is much less than the trend of 10-25% / year they were increasing before the ACA. Secondly, I could have easily tripled my premiums or halved them by changing my plan options. My 3% increase was an apples for apples change. Again, post some info - or STFU. Why suddenly so silent Tweet? Where are those facts & figures that back up your BS?
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Post by GhostMod 5000 on Mar 5, 2015 7:10:07 GMT -6
Tweatbag has been doing some alpha trolling. It's really amazing to behold.
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Post by GhostMod 5000 on Mar 5, 2015 8:06:47 GMT -6
Lulz
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Post by GhostMod 5000 on Mar 5, 2015 8:54:12 GMT -6
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Post by Stan's Field on Mar 5, 2015 11:55:09 GMT -6
Tweatbag has been doing some alpha trolling. It's really amazing to behold. Fail
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Post by thunderhawk on Mar 5, 2015 13:55:02 GMT -6
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Post by livingintheusa on Mar 5, 2015 16:35:27 GMT -6
This is loded with what ifs and what could had beens with no basis in fact. The guy says more than once that he has no idea what is in it. Nothing new here. Move on.
"But we have to pass the bill so you can find out what is in it, away from the fog of the controversy."
Nancy Pelosi
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Post by NotMyKid on Mar 5, 2015 17:06:46 GMT -6
How's that Obamacare thing working out for ya? In my case my premiums have doubled since Obamasuck was passed, deductibles have been raised about four times what they were, around here people are finding it harder to find doctors who'll take the cheap-ass policies they bought through the "exchange." Yeah, it has worked out real well. As far as the world ending because the Kenyan Socialist was elected twice, that remains to be seen... Post some actual facts & figures. Otherwise you're full of aneccdotal shit again. Premiums before (Along with job & insurance plans offered) Premiums now (Along with job & insurance plans offered) For example, even though my premiums went up approx 3% last year for the same plan my work offers, it still is much less than the trend of 10-25% / year they were increasing before the ACA. Secondly, I could have easily tripled my premiums or halved them by changing my plan options. My 3% increase was an apples for apples change. Again, post some info - or STFU. First off I am not speaking for all states, all individual plans, or all group plans. But in the state of Iowa I have seen some people's premiums triple for worse coverage and that was the best plan available for the money. Now that was a case where they were on an insurance plan that was not renewing their current pre ACA plan and was forcing them to select an ACA plan. Which they did with another company. That's one example but in my experience if you are on a pre ACA plan (grandfathered plan) you do whatever you can to hold onto it. That goes for Individual and group plans. The other piece of info that not many know about is the fact that millions of people will be forced off their current health insurance plans and will have to pick an ACA plan that in many cases will be more expensive for worse coverage (again at least in Iowa) They keep kicking that can down the road and have extended the date for that to go into effect multiple times (now at the end of this year, but that could change) I have said this before and I will say it again if you qualify for a subsidy you are getting a decent plan at a decent rate. If you make to much and don't qualify for a subsidy you are likely paying way more for coverage than you did before. Of course there are great parts of the ACA which I have mentioned several times before- Eliminating pre-existing conditions, covering preventative 100%, getting those people that can't afford premiums help, etc. Flame away but that is what things are like in Iowa and as I mentioned a lot of people aren't aware of the changes because they are either on a grandfathered plan or they haven't been forced onto a ACA plan yet. At some point that will change.
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Post by GhostMod 5000 on Mar 5, 2015 20:44:25 GMT -6
This is loded with what ifs and what could had beens with no basis in fact. The guy says more than once that he has no idea what is in it. Nothing new here. Move on.
"But we have to pass the bill so you can find out what is in it, away from the fog of the controversy."
Nancy Pelosi
This post was reported to the admins as inappropriate. Guess who did it?
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Post by Earl Slick on Mar 5, 2015 20:50:31 GMT -6
Nothing new here. Move on.
"But we have to pass the bill so you can find out what is in it, away from the fog of the controversy."
Nancy Pelosi
This post was reported to the admins as inappropriate. Guess who did it? Tweetdurr?
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Post by livingintheusa on Mar 5, 2015 20:57:28 GMT -6
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Post by Presidential Immunity Cock on Mar 6, 2015 2:26:06 GMT -6
Jesus fucking christ on a goddamn pogo stick eating craisens. arstechnica.com/business/2015/03/republicans-internet-freedom-act-would-wipe-out-net-neutrality/Really you fucking incompetent fuckwads. This is what you want? Internet Freedom act? Yea, the freedom for ISP's and comcast to anally rape every fucking customer they have without even the courtesy of using lube or a reach around. Good news is, even if it actually gets voted on (I doubt it) Obama would veto it with his big black cock and tell them to suck it. Suck it long. Suck it hard. Seriously Tweets, how in the flying fuck could you ever defend or even vote for these doucheweasels?
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Post by Presidential Immunity Cock on Mar 6, 2015 3:58:13 GMT -6
Just more proof that the GOP is America's biggest threat and needs to be treated as a terrorist organization because, frankly, that is what those cunts are.
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Post by Presidential Immunity Cock on Mar 6, 2015 4:00:47 GMT -6
Nah... We need to go back further.. and derper.
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Post by Stan's Field on Mar 6, 2015 4:14:59 GMT -6
Nah... We need to go back further.. and derper. I'm alright with further back. Could rid ourselves of a lot of idiots that way.
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Post by Presidential Immunity Cock on Mar 6, 2015 4:45:15 GMT -6
The GOP of today would call their hero's of the past and our FOUR fathers a bunch of liberal bitches.
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Post by Earl Slick on Mar 6, 2015 8:18:08 GMT -6
Just more proof that the GOP is America's biggest threat and needs to be treated as a terrorist organization because, frankly, that is what those cunts are. Contract on America.
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Post by BrainFerentz4Prez on Mar 6, 2015 9:11:26 GMT -6
The FCC's neutrality rules prohibit Internet service providers from blocking or throttling Internet traffic, prohibit prioritization of traffic in exchange for payment, and require the ISPs to disclose network management practices.
“Once the federal government establishes a foothold into managing how Internet service providers run their networks they will essentially be deciding which content goes first, second, third, or not at all," Blackburn said in an announcement yesterday. "My legislation will put the brakes on this FCC overreach and protect our innovators from these job-killing regulations.”
---------------------- How the fuck do they even say this shit wif a straight face... ----------------------
In the latest election cycle, Blackburn received $25,000 from an AT&T political action committee (PAC), $20,000 from a Comcast PAC, $20,000 from a cable industry association PAC, and $15,000 from a Verizon PAC, according to the Center for Responsive Politics.
--------------------- Ohhh... That's how.
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Post by socal on Mar 8, 2015 1:28:42 GMT -6
Post some actual facts & figures. Otherwise you're full of aneccdotal shit again. Premiums before (Along with job & insurance plans offered) Premiums now (Along with job & insurance plans offered) For example, even though my premiums went up approx 3% last year for the same plan my work offers, it still is much less than the trend of 10-25% / year they were increasing before the ACA. Secondly, I could have easily tripled my premiums or halved them by changing my plan options. My 3% increase was an apples for apples change. Again, post some info - or STFU. First off I am not speaking for all states, all individual plans, or all group plans. ---Thanks for narrowing it down from Everyone Everywhere... But in the state of Iowa I have seen some people's premiums triple for worse coverage and that was the best plan available for the money. Now that was a case where they were on an insurance plan that was not renewing their current pre ACA plan and was forcing them to select an ACA plan. Which they did with another company. ---Anecdotal. Need facts on their pre & post premiums. "seen some people" does not equate to a factual situation. Were their premiums increased 3x, but 2x was subsidized... was the 3x plan one of many available to them & they ended up selecting another? Etc. That said, if verified at an apples to apples 1/3 premium, it is likely their old plan sucked balls, as it didn't meet the minimum criteria for coverage.
That's one example but in my experience if you are on a pre ACA plan (grandfathered plan) you do whatever you can to hold onto it. That goes for Individual and group plans. ---Pre ACA & Post ACA is only a matter of plan requirements. If a plan is OK now, regardless of whether it existed before ACA, it met all ACA criteria.The other piece of info that not many know about is the fact that millions of people will be forced off their current health insurance plans and will have to pick an ACA plan that in many cases will be more expensive for worse coverage (again at least in Iowa). ---Again, anecdotal. While your phrasing is misleading ("millions of people" & "Iowa"... does not mean millions of Iowans will be forced off their plan). Again, you make quite a claim of "more expensive for worse coverage"... without providing one fact into your assertion. Were these millions you speak of part of the initial wave of rates anecdotally claimed by Fox etal (without regard to subsidies)?They keep kicking that can down the road and have extended the date for that to go into effect multiple times (now at the end of this year, but that could change) ---No idea what you're talking about here, unless The can you speak of is the date that someone must have insurance or pay the fine. And the issue with delaying the fines is, what? I have said this before and I will say it again if you qualify for a subsidy you are getting a decent plan at a decent rate. If you make to much and don't qualify for a subsidy you are likely paying way more for coverage than you did before. ---Anecdotal - "you are likely". And again, plans never were - aren't - and were never promised to remain identical. Premiums went up 15%/year between 2002 - 2011 (pre ACA). They are raising an estimated 3.5% now. I can find the article if you'd like, but teh Google can do the same for you. So if your assertion is that the premiums "someone" paid in 2008 are half of what they are now, simple math over the time frame with the rate increases I'm speaking of make your assertion correct. However all insurance rate increases pre ACA cannot be placed on ACA, nor can one not expect rates to increase under ACA... prices go up. Period. However "you are likely" to enjoy only a 3.5% increase vs. a 15% one.Of course there are great parts of the ACA which I have mentioned several times before- Eliminating pre-existing conditions, covering preventative 100%, getting those people that can't afford premiums help, etc. ---Ok...? It is just that people have to pay for insurance that bugs you, eh? If people were serious about actually caring for people & cutting costs, etc... they would be 100% behind a single payer system, not the feeble substitute that is Romneycare/Obamacare.Flame away but that is what things are like in Iowa and as I mentioned a lot of people aren't aware of the changes because they are either on a grandfathered plan or they haven't been forced onto a ACA plan yet. At some point that will change. ---"Grandfathered" doesn't exist. If they met the criteria under ACA, they met it before too. There is no impending boogeyman coming to force them into something.My notes included under your statements.
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Post by NotMyKid on Mar 9, 2015 11:08:24 GMT -6
First off I am not speaking for all states, all individual plans, or all group plans. ---Thanks for narrowing it down from Everyone Everywhere... 1.But in the state of Iowa I have seen some people's premiums triple for worse coverage and that was the best plan available for the money. Now that was a case where they were on an insurance plan that was not renewing their current pre ACA plan and was forcing them to select an ACA plan. Which they did with another company. ---Anecdotal. Need facts on their pre & post premiums. "seen some people" does not equate to a factual situation. Were their premiums increased 3x, but 2x was subsidized... was the 3x plan one of many available to them & they ended up selecting another? Etc. That said, if verified at an apples to apples 1/3 premium, it is likely their old plan sucked balls, as it didn't meet the minimum criteria for coverage.
2.That's one example but in my experience if you are on a pre ACA plan (grandfathered plan) you do whatever you can to hold onto it. That goes for Individual and group plans. ---Pre ACA & Post ACA is only a matter of plan requirements. If a plan is OK now, regardless of whether it existed before ACA, it met all ACA criteria.3.The other piece of info that not many know about is the fact that millions of people will be forced off their current health insurance plans and will have to pick an ACA plan that in many cases will be more expensive for worse coverage (again at least in Iowa). ---Again, anecdotal. While your phrasing is misleading ("millions of people" & "Iowa"... does not mean millions of Iowans will be forced off their plan). Again, you make quite a claim of "more expensive for worse coverage"... without providing one fact into your assertion. Were these millions you speak of part of the initial wave of rates anecdotally claimed by Fox etal (without regard to subsidies)?4.They keep kicking that can down the road and have extended the date for that to go into effect multiple times (now at the end of this year, but that could change) ---No idea what you're talking about here, unless The can you speak of is the date that someone must have insurance or pay the fine. And the issue with delaying the fines is, what? 5.I have said this before and I will say it again if you qualify for a subsidy you are getting a decent plan at a decent rate. If you make to much and don't qualify for a subsidy you are likely paying way more for coverage than you did before. ---Anecdotal - "you are likely". And again, plans never were - aren't - and were never promised to remain identical. Premiums went up 15%/year between 2002 - 2011 (pre ACA). They are raising an estimated 3.5% now. I can find the article if you'd like, but teh Google can do the same for you. So if your assertion is that the premiums "someone" paid in 2008 are half of what they are now, simple math over the time frame with the rate increases I'm speaking of make your assertion correct. However all insurance rate increases pre ACA cannot be placed on ACA, nor can one not expect rates to increase under ACA... prices go up. Period. However "you are likely" to enjoy only a 3.5% increase vs. a 15% one.6.Of course there are great parts of the ACA which I have mentioned several times before- Eliminating pre-existing conditions, covering preventative 100%, getting those people that can't afford premiums help, etc. ---Ok...? It is just that people have to pay for insurance that bugs you, eh? If people were serious about actually caring for people & cutting costs, etc... they would be 100% behind a single payer system, not the feeble substitute that is Romneycare/Obamacare.7.Flame away but that is what things are like in Iowa and as I mentioned a lot of people aren't aware of the changes because they are either on a grandfathered plan or they haven't been forced onto a ACA plan yet. At some point that will change. ---"Grandfathered" doesn't exist. If they met the criteria under ACA, they met it before too. There is no impending boogeyman coming to force them into something.My notes included under your statements. LOL, why am I not surprised. 1. Family of 4 with a $2500 deductible, $5000 Out of pocket max, $20 office visit copay, med coverage of $8,$35,$50 with a monthly premium of $424. There "new plan" $5750 deductible, $6300 out of pocket max, $20 office visit copay, med coverage of $8,$35,$50 but with this plan they pay the deductible for anything other than generics with a monthly premium of $915 They went with another company that had a $3000 deductible, $6000 out of pocket max, $35 office visit copay same med coverage but no separate deductible with a monthly premium of $812. Or let's try this one- Single 27 year old male- HSA plan with a out of pocket max of $2500 for $80. New plan after Jan 1st of this year $186 with a $6300 out of pocket max, $174 for a plan with a $5300 out of pocket max. Or this one- Family of 5 (parents in their early 50's) with a $5000 (out of pocket max) HSA with a premium of $518 a month, new plan after Jan 1st of this year $12,700 HSA with a premium of $1,242 a month, option with another company for a $6000 (out of pocket max) HSA would have been $1,658. One more- 63 year old male- $2500 out of pocket max HSA plan for $203 a month, his new premium for a plan with a $6300 out of pocket max $517 a month. Also none of those plans "sucked balls" they would and did cover the individuals for what they wanted coverage for, none of them qualified for a subsidy and in all of the above cases those are the cheapest and most comparable options. If you want I would be happy to go true apples to apples (as best I could as all of the plans aren't the same) and the premiums would be even higher. 2. This is 100% false. Any plan that was in force prior to the ACA being signed into law- March 23rd of 2010 is considered to be a grandfathered plan. These plans are exempt from the ACA law and as long as the insurance companies continues to keep those plans in force those that have them will be allowed to stay on them. You know this is what President Obama meant when he said "If you like your plan you can keep it" 3. + 4. See examples in #1. Any plan written between March 24th 2010 and December 31st of 2013 are the plans in limbo. The date that I said they keep kicking down the road applies to all of these plans. These are plans that don't meet all of the ACA requirements but since they were written after the ACA became law that will be ending. These plans at some point in the future will no longer be offered (unlike the grandfathered plans in #2) That date varies by state and insurance company. Some insurance companies ended those plans as of December 31st of 2014 and forced all of their clients to pick a new plan. (which was the original date this was suppose to happen for ALL states and ALL plans) The Department of Health and Human Services (HHS, i.e. the department in charge of ObamaCare) has announced that health insurance plans that were supposed to be canceled by Obamacare by 2014 may be sold through October of 2016 in states that approve of the extension. This essentially extends some non-compliant non-grandfathered plans until 2017 (a plan renewed in 2016 is good for one year, the latest date to renew your plan is October 2016).As I said all states and all companies are able to cancel these plans when they want some picked the original 12/31/2104 date others as you can see from above have until 2017. obamacarefacts.com/can-i-keep-my-health-care-plan/5. Fair enough, I guess we will have to see where that trend goes from here, since there are millions of people that even if they have health care currently are on plans that aren't true ACA compliant. 6. Again fair enough but that isn't what President Obama passed so this is where we are at. I also think that it is possible to get everyone the help they need and offer people choices and not just one option, health care in this country is vastly over priced, and oddly enough the bill does nothing to fix the massive issue that is cost of care. 7. As I showed above this is 100% false and there are millions of Americans that are not yet on health plans that are required to be ACA compliant. Hope that helps.
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Post by BrainFerentz4Prez on Mar 9, 2015 14:48:31 GMT -6
My notes included under your statements. LOL, why am I not surprised. 1. Family of 4 with a $2500 deductible, $5000 Out of pocket max, $20 office visit copay, med coverage of $8,$35,$50 with a monthly premium of $424. There "new plan" $5750 deductible, $6300 out of pocket max, $20 office visit copay, med coverage of $8,$35,$50 but with this plan they pay the deductible for anything other than generics with a monthly premium of $915 They went with another company that had a $3000 deductible, $6000 out of pocket max, $35 office visit copay same med coverage but no separate deductible with a monthly premium of $812. Or let's try this one- Single 27 year old male- HSA plan with a out of pocket max of $2500 for $80. New plan after Jan 1st of this year $186 with a $6300 out of pocket max, $174 for a plan with a $5300 out of pocket max. Or this one- Family of 5 (parents in their early 50's) with a $5000 (out of pocket max) HSA with a premium of $518 a month, new plan after Jan 1st of this year $12,700 HSA with a premium of $1,242 a month, option with another company for a $6000 (out of pocket max) HSA would have been $1,658. One more- 63 year old male- $2500 out of pocket max HSA plan for $203 a month, his new premium for a plan with a $6300 out of pocket max $517 a month. Also none of those plans "sucked balls" they would and did cover the individuals for what they wanted coverage for, none of them qualified for a subsidy and in all of the above cases those are the cheapest and most comparable options. If you want I would be happy to go true apples to apples (as best I could as all of the plans aren't the same) and the premiums would be even higher. 2. This is 100% false. Any plan that was in force prior to the ACA being signed into law- March 23rd of 2010 is considered to be a grandfathered plan. These plans are exempt from the ACA law and as long as the insurance companies continues to keep those plans in force those that have them will be allowed to stay on them. You know this is what President Obama meant when he said "If you like your plan you can keep it" 3. + 4. See examples in #1. Any plan written between March 24th 2010 and December 31st of 2013 are the plans in limbo. The date that I said they keep kicking down the road applies to all of these plans. These are plans that don't meet all of the ACA requirements but since they were written after the ACA became law that will be ending. These plans at some point in the future will no longer be offered (unlike the grandfathered plans in #2) That date varies by state and insurance company. Some insurance companies ended those plans as of December 31st of 2014 and forced all of their clients to pick a new plan. (which was the original date this was suppose to happen for ALL states and ALL plans) The Department of Health and Human Services (HHS, i.e. the department in charge of ObamaCare) has announced that health insurance plans that were supposed to be canceled by Obamacare by 2014 may be sold through October of 2016 in states that approve of the extension. This essentially extends some non-compliant non-grandfathered plans until 2017 (a plan renewed in 2016 is good for one year, the latest date to renew your plan is October 2016).As I said all states and all companies are able to cancel these plans when they want some picked the original 12/31/2104 date others as you can see from above have until 2017. obamacarefacts.com/can-i-keep-my-health-care-plan/5. Fair enough, I guess we will have to see where that trend goes from here, since there are millions of people that even if they have health care currently are on plans that aren't true ACA compliant. 6. Again fair enough but that isn't what President Obama passed so this is where we are at. I also think that it is possible to get everyone the help they need and offer people choices and not just one option, health care in this country is vastly over priced, and oddly enough the bill does nothing to fix the massive issue that is cost of care. 7. As I showed above this is 100% false and there are millions of Americans that are not yet on health plans that are required to be ACA compliant. Hope that helps.
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Post by NotMyKid on Mar 9, 2015 15:24:47 GMT -6
LOL, why am I not surprised. 1. Family of 4 with a $2500 deductible, $5000 Out of pocket max, $20 office visit copay, med coverage of $8,$35,$50 with a monthly premium of $424. There "new plan" $5750 deductible, $6300 out of pocket max, $20 office visit copay, med coverage of $8,$35,$50 but with this plan they pay the deductible for anything other than generics with a monthly premium of $915 They went with another company that had a $3000 deductible, $6000 out of pocket max, $35 office visit copay same med coverage but no separate deductible with a monthly premium of $812. Or let's try this one- Single 27 year old male- HSA plan with a out of pocket max of $2500 for $80. New plan after Jan 1st of this year $186 with a $6300 out of pocket max, $174 for a plan with a $5300 out of pocket max. Or this one- Family of 5 (parents in their early 50's) with a $5000 (out of pocket max) HSA with a premium of $518 a month, new plan after Jan 1st of this year $12,700 HSA with a premium of $1,242 a month, option with another company for a $6000 (out of pocket max) HSA would have been $1,658. One more- 63 year old male- $2500 out of pocket max HSA plan for $203 a month, his new premium for a plan with a $6300 out of pocket max $517 a month. Also none of those plans "sucked balls" they would and did cover the individuals for what they wanted coverage for, none of them qualified for a subsidy and in all of the above cases those are the cheapest and most comparable options. If you want I would be happy to go true apples to apples (as best I could as all of the plans aren't the same) and the premiums would be even higher. 2. This is 100% false. Any plan that was in force prior to the ACA being signed into law- March 23rd of 2010 is considered to be a grandfathered plan. These plans are exempt from the ACA law and as long as the insurance companies continues to keep those plans in force those that have them will be allowed to stay on them. You know this is what President Obama meant when he said "If you like your plan you can keep it" 3. + 4. See examples in #1. Any plan written between March 24th 2010 and December 31st of 2013 are the plans in limbo. The date that I said they keep kicking down the road applies to all of these plans. These are plans that don't meet all of the ACA requirements but since they were written after the ACA became law that will be ending. These plans at some point in the future will no longer be offered (unlike the grandfathered plans in #2) That date varies by state and insurance company. Some insurance companies ended those plans as of December 31st of 2014 and forced all of their clients to pick a new plan. (which was the original date this was suppose to happen for ALL states and ALL plans) The Department of Health and Human Services (HHS, i.e. the department in charge of ObamaCare) has announced that health insurance plans that were supposed to be canceled by Obamacare by 2014 may be sold through October of 2016 in states that approve of the extension. This essentially extends some non-compliant non-grandfathered plans until 2017 (a plan renewed in 2016 is good for one year, the latest date to renew your plan is October 2016).As I said all states and all companies are able to cancel these plans when they want some picked the original 12/31/2104 date others as you can see from above have until 2017. obamacarefacts.com/can-i-keep-my-health-care-plan/5. Fair enough, I guess we will have to see where that trend goes from here, since there are millions of people that even if they have health care currently are on plans that aren't true ACA compliant. 6. Again fair enough but that isn't what President Obama passed so this is where we are at. I also think that it is possible to get everyone the help they need and offer people choices and not just one option, health care in this country is vastly over priced, and oddly enough the bill does nothing to fix the massive issue that is cost of care. 7. As I showed above this is 100% false and there are millions of Americans that are not yet on health plans that are required to be ACA compliant. Hope that helps. That's fine, I wouldn't have read it either it was meant for Socal since he thinks he knows more about the ACA law then someone that deals with the fucker on a daily basis.
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Post by egadsto on Jun 9, 2015 12:58:13 GMT -6
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Post by The Resistance on Jun 23, 2015 9:30:07 GMT -6
My notes included under your statements. LOL, why am I not surprised. 1. Family of 4 with a $2500 deductible, $5000 Out of pocket max, $20 office visit copay, med coverage of $8,$35,$50 with a monthly premium of $424. There "new plan" $5750 deductible, $6300 out of pocket max, $20 office visit copay, med coverage of $8,$35,$50 but with this plan they pay the deductible for anything other than generics with a monthly premium of $915 They went with another company that had a $3000 deductible, $6000 out of pocket max, $35 office visit copay same med coverage but no separate deductible with a monthly premium of $812. Or let's try this one- Single 27 year old male- HSA plan with a out of pocket max of $2500 for $80. New plan after Jan 1st of this year $186 with a $6300 out of pocket max, $174 for a plan with a $5300 out of pocket max. Or this one- Family of 5 (parents in their early 50's) with a $5000 (out of pocket max) HSA with a premium of $518 a month, new plan after Jan 1st of this year $12,700 HSA with a premium of $1,242 a month, option with another company for a $6000 (out of pocket max) HSA would have been $1,658. One more- 63 year old male- $2500 out of pocket max HSA plan for $203 a month, his new premium for a plan with a $6300 out of pocket max $517 a month. Also none of those plans "sucked balls" they would and did cover the individuals for what they wanted coverage for, none of them qualified for a subsidy and in all of the above cases those are the cheapest and most comparable options. If you want I would be happy to go true apples to apples (as best I could as all of the plans aren't the same) and the premiums would be even higher. 2. This is 100% false. Any plan that was in force prior to the ACA being signed into law- March 23rd of 2010 is considered to be a grandfathered plan. These plans are exempt from the ACA law and as long as the insurance companies continues to keep those plans in force those that have them will be allowed to stay on them. You know this is what President Obama meant when he said "If you like your plan you can keep it" 3. + 4. See examples in #1. Any plan written between March 24th 2010 and December 31st of 2013 are the plans in limbo. The date that I said they keep kicking down the road applies to all of these plans. These are plans that don't meet all of the ACA requirements but since they were written after the ACA became law that will be ending. These plans at some point in the future will no longer be offered (unlike the grandfathered plans in #2) That date varies by state and insurance company. Some insurance companies ended those plans as of December 31st of 2014 and forced all of their clients to pick a new plan. (which was the original date this was suppose to happen for ALL states and ALL plans) The Department of Health and Human Services (HHS, i.e. the department in charge of ObamaCare) has announced that health insurance plans that were supposed to be canceled by Obamacare by 2014 may be sold through October of 2016 in states that approve of the extension. This essentially extends some non-compliant non-grandfathered plans until 2017 (a plan renewed in 2016 is good for one year, the latest date to renew your plan is October 2016).As I said all states and all companies are able to cancel these plans when they want some picked the original 12/31/2104 date others as you can see from above have until 2017. obamacarefacts.com/can-i-keep-my-health-care-plan/5. Fair enough, I guess we will have to see where that trend goes from here, since there are millions of people that even if they have health care currently are on plans that aren't true ACA compliant. 6. Again fair enough but that isn't what President Obama passed so this is where we are at. I also think that it is possible to get everyone the help they need and offer people choices and not just one option, health care in this country is vastly over priced, and oddly enough the bill does nothing to fix the massive issue that is cost of care. 7. As I showed above this is 100% false and there are millions of Americans that are not yet on health plans that are required to be ACA compliant. Hope that helps. This shit is working great. Just got my notice. Rate increase of only 29% this year. Yea Thanks
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