Post by FoxHuntChampion on Jun 23, 2015 9:35:56 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.
Yea Thanks