health insurance question (FL)

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ark_ader:
Can she get medicade

Howard_Casto:

--- Quote from: Phreakwars on January 20, 2017, 02:58:09 pm ---Honestly wouldn't buy health care at this point. If the ACA is repealed, you'll see over 20 million lose health care, providers will be able to deny pre-existing conditions and premiums are estimated to rise by 50%. Not good all the way around unless a better plan is formulated.

Florida is one of those states, where even with the ACA, premiums are way too high. I couldn't imagine what's going to happen to Floridians if the protections are removed. I'd say don't worry about your brothers bum wife getting healthcare, worry about yourself being able to get it. This is a very real probability that I hope people who hate the current system are aware of.

I'm in a situation myself, where I get AWESOME coverage from my employer (Polaris Industries), so I have no worries about myself. My issue is with my son, who has Autism. He has asthma and just turned 18 a little over a week ago. Under the ACA I am allowed to keep him on my health insurance till he is 26. If it is repealed, I'll no longer have health care for him to get his expensive life saving medication. As a result of that, I'll be forced to apply for Medicaid for him.. So yeah, get that straight... as a result of repealing that "AWFUL" ACA, I will have to resort to using government assistance where I have NEVER had to do that before. Now who is that gonna cost? Me or the tax payers?

Not that I am advocating the ACA, like I said before, Florida, among several other states, see ridiculous un-affordable premium prices, even with the "so called" affordable care act. Republicans are proposing turning medicare and medicaid into a voucher system... In other words, they wanna hand out vouchers people can use to buy health care... Try telling a child with Autism that after mom and dad have passed away, he'll need to apply for vouchers and buy health insurance in addition to all the other life events that we all take for granted that we need to do. And that he'll have to do it using the 47% reduction in SSI being proposed.. oh and buy food.

So while I do somewhat sympathize with the snarky remarks about "free healthcare", that simply isn't the reality, and I sincerely hope people get exactly what they asked for in regards to tearing apart that system. It might just be the slap in the face wake up call needed to realize... were all in this together.

--- End quote ---

The ACA was a huge compromise and is actually based on Mitt Romney's health care plan... Obama's original plan was basically universal health care. The ACA was a "get your foot in the door" bill... it was meant to be improved as time went on. Note that I said improved NOT replaced. It is fool hardy and ill advised to repeal and then replace a plan that covers 20 million citizens, most of which don't have any alternative. Republicans aren't that stupid, so to be blunt, they are flat out lying. When they say "repeal and replace" what they mean is repeal and then drag their heels on replacing it for 4 years so that it is someone else's problem. Republican politicians care about money first and money last, so any program, no matter how needed, that requires money they are against. It's why in this modern political stage they deny facts, because if the facts were to be agreed upon, any rational person would vote the way democrats do.... but again, money is more important to them than absolutely anything else.

Anyway.... through the ACA (as long as it lasts anyway) she can apply for health care, but her husband's income is going to be taken into account. He is the head of household, so when you put in the data, you basically put in his income, assets, ect. It might just be cheaper to extened his healthcare to cover her.

Medicaid is also an option, but it varies from state to state.

SNAAKE:
not getting health insurance is an option now? thought that whole obama care business is carried over and its still illegal to have no health insurance?

Ive been googling but there is so much information..not even sure what is accurate. was hoping to speak to the adp rep about it. monday I guess..

SNAAKE:

--- Quote from: ark_ader on January 20, 2017, 07:00:59 pm ---Can she get medicade

--- End quote ---

you mean medicaid?

I am not entirely sure. so far I understand that you can get medicaid if your household makes like 20k or less yearly. so my brother has to pay for her insurance. maybe there is a discounted plan or something. right now its pretty high..we are paying 1055/month for 2 employees(brother and I)

Phreakwars:

--- Quote from: SNAAKE on January 21, 2017, 12:25:13 am ---not getting health insurance is an option now? thought that whole obama care business is carried over and its still illegal to have no health insurance?

Ive been googling but there is so much information..not even sure what is accurate. was hoping to speak to the adp rep about it. monday I guess..

--- End quote ---
No, you don't HAVE TO get insurance. You'll of course, be subject to a fine. How much that will be, so that you don't catch some hear-say BS, is 2.5% of your annual income. So say you make $50k a year, your looking at $1250. If you only make $25k a year, your talking $625. But then only the part of your household income that’s above the yearly tax filing threshold ($10,300 for individuals, $20,600 for couples filing jointly) is counted.

Alot of people simply do not understand how this all works, and yes, it can be quite difficult to understand. But, your among friends here, not partisan biased pretentious jerks, so trust that you'll have a more open honest view from people.

One of the things that was discussed, was allowing insurance to be sold across state lines. In theory, this sounds like a good idea.. Someone like me here in Iowa will have a significantly better policy quote if I go onto the healthcare.gov website or try my luck at one of the other providers.

For myself personally, using my actual income of $72k, lowest price for me and my entire family, will run about $400 a month. My ACA credit however, is $311, making my payment about $90 a month. While this SAME figure of a family of 4 with a $72k a year income in Florida, will run a WHOPPING $913.58 a month, for a decent enough plan with a decent deductible..

So that this makes some sense to you... this is a screen shot from healthcare.gov where I am getting these figures from.

You'll see that it says the premium is $913.58 a month. HOW THE HELL IS THAT AFFORDABLE?? It's not. Your talking about almost 25% of a person's income if they make the same I do. But again, this varies depending on the state you live in. But here's the thing you need to understand... Florida, along with many other states, did NOT expand their medicaid program, and did NOT expand their exchange coverage program.. Iowa did.

So in those regards, you CAN NOT blame Obamacare/ACA, but rather the state legislatures for screwing over Floridians. But then, this was done on purpose and not because any of those ---daisies--- give a rats ass about you personally.

How would you feel about paying what I pay in my state? Pretty good deal right? Imagine this happening in all 50 states. Imagine the PRAISE people would have for the President for actually making health care affordable.

But the sad reality, is HATE and the desire to see him fail, to give him no credit for anything at all (more then likely because he is black), was the cause of Floridians and many other states to get screwed over hard.

I'm sorry, but it's not only a damn shame, it's a ---gosh-darn--- travesty.

They did this on purpose, and who pays for it... YOU DO.

And like Howard_Casto was saying... they ain't stupid. They know damn well if they actually repeal it, that's gonna be political suicide. Sure there are TONS of people such as yourself who the ACA does not help one bit, but there are over 20 million people in other states who do now have health care, many for the first time in their lives. And, it keeps costs down..

Premiums have of course, still risen. There is no reason at all to think that they wouldn't rise. But instead of seeing huge increases of 15-25% annually, you are seeing minor increases now.. Mine went up... ain't gonna lie.. it went up a whopping $2 a month... others... not so lucky.

The thing of it is... you repeal it and give these ---daisies--- in the insurance industry free range, they are gonna screw you over even worse then they do now. They will screw us ALL over.

Republicans know this, Trump, unless he really is a complete and utter moron, probably also knows this.

I just hope they can work past their stupidity and prejudices over the black guy and IMPROVE the system. Not create a crisis to spite him. But then, I don't have much faith that they give 2 shits about the American people.

Good luck finding coverage.

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