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Old 10-25-2013, 02:00 PM   Topic Starter
Msmith Msmith is offline
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Ehealth.com provides a window to see how much the health policy really costs

I am not here to suggest ehealth.com is a way to go. But it does gives some cost/benefit comparison at different pricing and levels of the coverage.

Here is the link:https://www.ehealthinsurance.com/fam...allid=eHe29411

I used a family of three, (both parents in 40's, son in early teens) with an family income around $45,000. Then you input the estimation of the subsidy if you qualify.

The cheapest Bronze is $174/mo. The deductible is $5000/$10000 for individual/family. After the deductible is filled then it is 60/40 coinsurance. The highest Bronze is $292/mo. The deductible is $5750/$11500 with 20% coinsurance after deductible.

The cheapest Silver is $331/mo. The deductible is $6000 for family with 10% coinsurance after deductible.

The highest Silver is $400/mo. The deductible is $3500/$7000.

The Gold is $610/mo. The deductible is $750/$1500.

The cost is calculated with the subsidy deduction. In other word, you just pay the listed premium and ehealth will bill the government for the subsidy.

Again, there are other insurance companies that could post similar plans.
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Old 10-25-2013, 11:10 PM   #2
suzzer99 suzzer99 is offline
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Affordable Care Act update. My group premiums for my family through Humana are $2100 per month. Due to the ACA's community rating rules I'm in line for a decrease to $1365 per month. I got onto healthcare.gov today (finally) and I can get coverage with a higher individual deductible but lower family deductible (but also with 20% coinsurance I don't have now) for $1050 per month on the exchange. I have not found one small business owner yet that is not saving money due to community rating rules and the exchange option is competitive. If like to hear from any small business owners that have been adversely effected but I haven't found anyone yet. All of the reports I'm getting are similar to my story.
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Old 10-25-2013, 11:13 PM   #3
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Old 10-27-2013, 10:02 AM   #4
KILLER_CLOWN KILLER_CLOWN is offline
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Ya it isn't cheap at all, as a matter of fact it's better to not have insurance than that crap.
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Old 10-27-2013, 10:15 AM   #5
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Everyone talks about what an egregious loss of freedom it is for the government to declare that it has the ability to say "You are required to buy this product just by virtue of being alive."

But it's also a pretty sad loss of freedom for them not to give you a choice as to the particulars of what you're buying. I can't meet the requirement unless I buy a policy that covers A, B, and C, because the government says I need that. Labor and Delivery, for instance.

I no longer have the ability to buy things that fit my own needs, instead I am required to buy something that government says fits everyone's needs.
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Old 10-27-2013, 11:48 AM   #6
suzzer99 suzzer99 is offline
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The problem is if you buy crappy health insurance with a low lifetime cap - you're still going to be a burden on the system when your cap runs out and you can't pay.
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Old 10-27-2013, 01:04 PM   #7
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Originally Posted by suzzer99 View Post
The problem is if you buy crappy health insurance with a low lifetime cap - you're still going to be a burden on the system when your cap runs out and you can't pay.
In that case, no one should buy the Bronze plan with 60/40 coverage. How will you pay for the $20000 surgery in which you need to fork up $8000 as coinsurance. This will be burden for the society to bear.
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Old 10-27-2013, 01:33 PM   #8
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In that case, no one should buy the Bronze plan with 60/40 coverage. How will you pay for the $20000 surgery in which you need to fork up $8000 as coinsurance. This will be burden for the society to bear.
Exactly. These people who either can't afford health insurance, or choose not to carry it, are supposed to magically be expected to pay these high deductibles they're going to have to meet?? No. But hey, at least liberals can feel better about themselves because more people have "insurance".
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Old 10-28-2013, 09:56 AM   #9
Msmith Msmith is offline
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I put in a female of 64 years old with $18000/yr. The best Bronze plan is $6300 deductible but zero $ for her monthly premium, and zero $ coinsurance after the deductible.

The question is, how could she come up with $6300?
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Old 10-28-2013, 10:01 AM   #10
KILLER_CLOWN KILLER_CLOWN is offline
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Quote:
Originally Posted by Msmith View Post
I put in a female of 64 years old with $18000/yr. The best Bronze plan is $6300 deductible but zero $ for her monthly premium, and zero $ coinsurance after the deductible.

The question is, how could she come up with $6300?
Answer: she can't.
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Old 10-28-2013, 10:55 AM   #11
cosmo20002 cosmo20002 is offline
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Quote:
Originally Posted by Msmith View Post
I put in a female of 64 years old with $18000/yr. The best Bronze plan is $6300 deductible but zero $ for her monthly premium, and zero $ coinsurance after the deductible.

The question is, how could she come up with $6300?
If she didn't have insurance but had $6300 in medical expenses, how would she come up with it?
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Old 10-28-2013, 10:22 AM   #12
suzzer99 suzzer99 is offline
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Quote:
Originally Posted by Msmith View Post
In that case, no one should buy the Bronze plan with 60/40 coverage. How will you pay for the $20000 surgery in which you need to fork up $8000 as coinsurance. This will be burden for the society to bear.
$8000 is a lot less burden on society than a $million
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Old 10-28-2013, 10:28 AM   #13
Msmith Msmith is offline
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There is a remote chance the average person's medical cost would reach a million. But for many people, spending several thousands out of pocket is very common in the upcoming year. How are they going to pay for these so called affordable care?
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Old 10-28-2013, 10:29 AM   #14
KILLER_CLOWN KILLER_CLOWN is offline
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There is a remote chance the average person's medical cost would reach a million. But for many people, spending several thousands out of pocket is very common in the upcoming year. How are they going to pay for these so called affordable care?
Let them eat cake and die in the streets, it's the caring liberal way.
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Old 10-28-2013, 10:51 AM   #15
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$8000 is a lot less burden on society than a $million
I hate to break it to you, but society is bearing the entire burden that doesn't come out of this lady's pocket under both the old and the new system. You're really just shuffling the accounting around.
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