Obama care what it mean to my household

[mark enger]

Wifes employer informed her part timers 24 Hr a week workers insurance will be cut in sept, Wife pays about 34$ per week for here health care, so about 1550$ per year, My work pays for my very low level BC/BS, I have a household of 5, 3 kids, Were making about 45k a yr, the state covers my kids healthcare, anyone have a handle on what Obamacare really means too my family, any idea's what it will cost us too insure wife, as it is now there's no extra money for saving, if anyone has a handle on what our end of affordable insurance is gonna be please let me know mark

[Cantplay]

I'm paying over 600/month per employee for major medical with no dental or prescription.

John

[Reeltarded]

I am shooting dice.

[ampmike]

I have it right noe through my wife but I would be on Medicare ,mikey

[dobbhill]

I don't know. What I would do is exactly what you are doing now-ask someone what this change will mean to your family. I would also check with my employer to see what it will cost to add your wife and kids to your existing plan with your employer. You and your wife have jobs. I bet you never thought that having a job would be a liability, did you?
Best of luck to you. I hope that you and others like you are the ones to be helped by Obamacare, instead of falling through the cracks. Please let the rest of us know the results of your research.
D

[M Fowler]

All I know is that BC/BS sent letter to my wife that they no longer will be the carrier for her company but nothing from her employer about this notice.

So Obama care is stirring the pot. I have Federal Employees Plan and I get so much crap sent to me I don't if we will be affected other then increased premiums.

[vibratoking]

Sorry to hear about your situation. I wish you and your family the best. I am not a health care expert, but a brief search results in a few things. It sounds like the health insurance exchange is in the works. Whether you will buy federal or state insurance depends on what state you live in. I saw no pricing information.

http://obamacarefacts.com/

http://obamacarefacts.com/obamacare-hea ... change.php

Purchasing Affordable Health Insurance Through the Insurance ExchangeStarting Oct 1st, 2013 is the ObamaCare online health insurance exchange where all Americans can buy affordable quality health insurance. Those under the 400% FLP and employers will be able to use subsidies to purchase plans at an average of 60% less than they pay now.

All Americans (including Congress) will be able to buy their insurance through the exchange as long as they are above the poverty level (those Americans will be covered under Medicaid expansion). Anyone (except congress) can opt out and keep their current health insurance, pay a tax, purchase private insurance or stay on their private insurance.

The ObamaCare Insurance Exchanges Online Market Place is implemented in 2014 health insurance premiums are projected to drop dramatically for many Americans. The exchanges encourage competition which is projected to drive down the rates of All Americans.

[JazzGuitarGimp]

My wife and I are both self-employed. Like Miles, we're shooting dice. Both in our mid-50's with no insurance, and getting scarier by the year. Haven't checked the poverty line lately, but I suspect we aren't far above it.

[gktamps]

Good question. My wife and I are self-employed and pay $1,200 a month for health insurance through Kaiser. Our rates have gone up 15% or so a year (!) for the past 6 years or so. Since announcement of the Health Care Bill our rate increases have not slowed down, but we have gotten notices that the structure and coverage we have will change. If business doesn't improve and insurance keeps rising, we will be faced with cutting our coverage. At that point, I don't know whether we would be better off using whatever the new system (it's confusing) would offer.

[Leo_Gnardo]

If I have it straight, by Sept 2013 all states are supposed to have set up insurance exchanges (marketplaces) and systems for low-income persons and families to obtain affordable health insurance.

In New York, our state legislature has determined within the last 6 months, that you can't carry more than 7 rounds in your firearms' magazine. And if you have a sig. other of the same sex, you can get married. Wow. That's about it. Oh, and many members of the NY state leg. are carrying hidden microphones so they can transmit/record converations with other legislators so that the FBI can investigate each and every one very thoroughly. Now it's the end of June, September is only 10 weeks away and NOT ONE THING has been done to move the health insurance situation towards a solution. How's things in your state?

Time was, when I could afford it I had health insurance. Spring 1993 health insurance companies were let loose (through legislation) to become money mills for their executives and stock holders. In NY some insurance companies stopped offering health insurance entirely. I had a good one, State Farm, but they gave up the health insurance lines April 93. The only company I could find was Mutt Omaha and at double the previous rate. With a nice fat increase every 3 or 6 months. After a while this stretched me to the limit, I had to decide whether I was working for me or the insurance company. So I cut off the greedy bastards. You got greedy - you get nothing.

Will "Obamacare" actually bring health insurance premiums to an affordable level? I seriously doubt it. Because the devils have been running the shop for the last 20 years and they're not about to give up their handsome paychecks, bonuses, and stock dividends. I don't blame the Prez. I blame a very broken system and the dopes that set it on this track in the early 90's.

Even with poverty-level income, looks like I'll be paying the fine in 2014. Unless there's a miracle.

How to do health insurance right? Have a look at Switzerland. Good system. Insurance companies must offer HI policies under no-profit rules or else their privilege to sell other lines of insurance is revoked. Every citizen is required to buy health insurance, with premiums at full rate above a certain income level, and at a discount depending on income below that level. Everyone from the gnomes of Zurich to the lonely goat-herd is covered, at a rate they can afford. Unfortunately in the USA it will be a frozen day in hell before our legislators put their insurance buddies' "feet to the fire" and enact a similar situation. It's all about profit and kickbacks here.

[John_P_WI]

One of the major problems that I see is that the health care industry - Doc in Box - clinics are springing up at an alarming rate, they are big new buildings and in some cases almost as large as a hospital. These clinics are "affiliated" with larger Hospitals - all new buildings also.

They are all too quick and happy to take your money. In my case I have company offered insurance with a $4,000 annual deductible that must be met first along with $300 monthly premiums - If I ask to negotiate prices or payments with the clinics or hospitals the answer is always the same "you have insurance your price is xxxx, non-negotiable", and "oh BTW payments are to be made in 60 days or we will push your account to collections". All of this building my friends seems to be a major player in the costs - that and HUGE admin salaries. How will Obamacare handle these fixed and ever increasing overhead costs?

Yes having a job and insurance is a liability. We are the ones paying for services rendered to us, services rendered to those with no insurance and for all of the "look at our new building ego policies". I'm afraid it isn't going to get any easier either...

[romberg]

(sarcasm)
I'm sure you can just ask your congress critters to explain it all. They thoroughly examined every detail before voting it into law!
(/sarcasm)

[JazzGuitarGimp]

So I cut off the greedy bastards. You got greedy - you get nothing.

I vote with my wallet as well.

Unrelated to health care, but similar: My wife has had her shop open for nearly four years now. I called the local phone company when she opened shop to get a land line. They wanted $350.00 to open a new business account. We couldn't justify that much, so she decided to use her cell phone for the business. Now, almost four years down the road, the local phone company has lost nearly four years of revenues that our account would have generated for them.

There's a saying in the stock market industry: Bears make money. Bulls make money And (greedy) pigs get slaughtered.

[randalp3000]

I've been an independent contractor or self employed for close to 15 years with no insurance. Last time I had a kidney stone I stayed home and sweated it out so I wouldn't have to pay $1000 to prime care for an x-ray and a shot for pain.

Tomorrow I have to get my teeth cleaned, that will be fun and not too expensive.

[Leo_Gnardo]

There's a saying in the stock market industry: Bears make money. Bulls make money And (greedy) pigs get slaughtered.

Having done some stock trading, I've heard that one before.

Mmmm bacon's goooood! Pork chops, gooooood!

Barbecue pulled pork, wow, how did we ever live without it?