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Old 10-25-2013, 01:00 PM  
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 10-28-2013, 09:35 AM   #16
suzzer99 suzzer99 is offline
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Originally Posted by KILLER_CLOWN View Post
Let them eat cake and die in the streets, it's the caring liberal way.
I think you're mixing up owing money on a deductible with the official Libertarian party platform on socialized medicine.
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Old 10-28-2013, 09:42 AM   #17
patteeu patteeu is offline
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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.
Surely those plans have some kind of max out of pocket cap when the coinsurance is no longer applicable.
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Old 10-28-2013, 09:47 AM   #18
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Originally Posted by blake5676 View Post
The biggest problem overall with the ACA is the dictation of what they've determined to be essential health benefits. Not everyone needs the same coverage, plain and simple. And as a result of them determining a minimum what every insurance plan has to cover, they've essentially completely changed the way the entire system works.
I agree that this is a fundamental problem. It wouldn't be as big of a problem if the mandatory coverage was more spartan. But then we would constantly be facing the problem of political pressure to increase coverages (it would appeal to politicians because it's a way to give a group something where the benefit is clear but the cost is hidden).
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Old 10-28-2013, 09:50 AM   #19
cosmo20002 cosmo20002 is offline
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Originally Posted by KILLER_CLOWN View Post
Let them eat cake and die in the streets, it's the caring liberal way.
Liberals would tell you to stop eating so much cake.
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Old 10-28-2013, 09:51 AM   #20
patteeu patteeu is offline
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Originally Posted by suzzer99 View Post
$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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Old 10-28-2013, 09:54 AM   #21
Msmith Msmith is offline
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Originally Posted by patteeu View Post
Surely those plans have some kind of max out of pocket cap when the coinsurance is no longer applicable.
The OOP cost for some plans have high deductible, i.e. $10000. The scenario in #10 has a OOP cost of $6500 (deductible) but zero premium.
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Old 10-28-2013, 09:55 AM   #22
cosmo20002 cosmo20002 is offline
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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, 09:56 AM   #23
blake5676 blake5676 is offline
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Originally Posted by patteeu View Post
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.
Exactly! You can subsidize that woman's policy, give her free "health coverage" and sleep better at night bc of that. But if she couldn't afford insurance before the bill, it doesn't change her financial situation by giving her a card that says BCBS and calling the problem fixed.

How is she going to pay her deductible? And after that, how is she going to pay her coinsurance until the max OOP is reached? Money doesn't just magically appear. The truth is, the collective "we" payed her premiums. And the collective "we" are going to pay her remaining balances, no different than before when she had no health insurance.
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Old 10-28-2013, 10:00 AM   #24
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Quote:
Originally Posted by Msmith View Post
The OOP cost for some plans have high deductible, i.e. $10000. The scenario in #10 has a OOP cost of $6500 (deductible) but zero premium.
Max out of pocket is kind of the opposite of a deductible. The deductible, as you seem to understand, is the amount you pay before insurance kicks in. The out of pocket max (OOPM) is the most you have to pay (deductible plus coinsurance) before insurance takes over at 100%.
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