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n2doc

(47,953 posts)
Sun Mar 30, 2014, 03:43 PM Mar 2014

Obamacare is not universal health care

By Max Romano

Mary is single, in her late 50s, widowed and earning about $2,000 a month cleaning bathrooms downtown. She's had no health insurance for the last decade, but she's received medical care when she needed it at free clinics and emergency rooms.
But now it's the era of Obamacare, and Mary hears that she has to buy health insurance. We check her options on Maryland Health Connection, the state's online health insurance exchange:

The cheapest "bronze plan" is only $2.20 per month, which will avoid a year-end fine for being uninsured, but it pays for little up until the $6,000 deductible. The "silver plans" cost $130 to $360 per month with a $900 annual deductible, but for those she'd have to choose between a health savings account, a limited HMO provider network, a 40 percent or a $40 co-pay, and many other confusing options.

None of it sounds like straightforward "affordable care" to her.

This isn't a story about error messages or frozen screens. Website crashes make news; they don't make history. This is about the real implications of Obamacare, about which ideas work in real life and which just sound good on paper.


Read more: http://www.baltimoresun.com/news/opinion/bs-ed-obamacare-medicare-20140326,0,5129108.story

19 replies = new reply since forum marked as read
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Obamacare is not universal health care (Original Post) n2doc Mar 2014 OP
She should NOT be looking at Bronze plans... VanillaRhapsody Mar 2014 #1
Yeah something is wrong there treestar Mar 2014 #4
Silver Plan bl968 Mar 2014 #10
Why are you paying car insurance? Thinkingabout Mar 2014 #11
Mandatory Coverage bl968 Mar 2014 #12
I hear your complaint. Think about the senior who gets on average of $1200 a month, of that Thinkingabout Mar 2014 #13
What the heck are you driving, a Bently? WillowTree Mar 2014 #14
Your car insurance amount is outrageous yeoman6987 Mar 2014 #15
Yes we need a public system that actually includes all people, such as extending Medicare Autumn Mar 2014 #2
Does she make too much for medicaid? treestar Mar 2014 #3
First of all ProSense Mar 2014 #5
Mary can still use free clinics and emergency rooms. Motown_Johnny Mar 2014 #6
900 yearly deductible is not much compared to a night in a er MattP Mar 2014 #7
How is the silver plan a $900 deductible? BrotherIvan Mar 2014 #8
Health Insurance is NOT Health Care. bvar22 Mar 2014 #9
A partnership with parasites.. Jesus Malverde Mar 2014 #16
I agree. bvar22 Mar 2014 #17
Here here! Jesus Malverde Mar 2014 #18
"a good wine needs no blush"--and by that standard we're facing a cerise meltown MisterP Mar 2014 #19
 

VanillaRhapsody

(21,115 posts)
1. She should NOT be looking at Bronze plans...
Sun Mar 30, 2014, 03:44 PM
Mar 2014

those are for mainly young people who ONLY need catastrophic...she WILL be subsidized with a Silver plan....

treestar

(82,383 posts)
4. Yeah something is wrong there
Sun Mar 30, 2014, 04:08 PM
Mar 2014

She makes too much for medicaid but the subsidy should be more.

The people hardest to cover are the same people who were not insured at all before - Medicaid expansion should be bigger - that's essentially a single payer system.

bl968

(360 posts)
10. Silver Plan
Sun Mar 30, 2014, 06:56 PM
Mar 2014

The only one decent I could use $360 and $30 subsidy with $1,559 a month take home income.

$400 Rent
$390 Car Insurance
$249.09 Car Payment
$100-200 Electric (using $150 average)
$30 Water
$50-200 Natural Gas (Using $50 since it's Spring)

----
$1,559
-$1,229
----
$330

Notice Food, Clothing, Entertainment, Gas, Vehicle Maintenance, isn't there. I needless to say I still won't have health insurance under the Affordable Care Act. I am not going to buy a plan I can't use just to give insurance companies profits.

I can hear it now "get rid of the car and take public transport". Not in this city, and not if I want to keep my job. This city is very spread out and public transit only runs during the day and once per hour per route. In my job I frequently have to travel from one end of the city to the other.

bl968

(360 posts)
12. Mandatory Coverage
Sun Mar 30, 2014, 07:24 PM
Mar 2014

Because state law requires it, and mandatory insurance hasn't lowered insurance rates for anyone.

Accident rates are going down, yet insurance rates goes up every single year why? Corporations have to generate increased profits every year. They also pay obscene bonuses to employees. You can only do this one way, charging more for less.

We knew this before the ACA and that's why progressives screamed their rage when it was announced that single payer, the only medical system that actually works was off the table.

Thinkingabout

(30,058 posts)
13. I hear your complaint. Think about the senior who gets on average of $1200 a month, of that
Sun Mar 30, 2014, 07:44 PM
Mar 2014

Amount $104.90 is withheld for Medicare. I don't think you will find many who are on Medicare who wants to do away with Medicare.

I would love to see the money put into healthcare go to the doctors and supporting crew, these are the ones who deserve compensation for the long hours of training. And yes we are getting ripped off by insurance companies. But think about if something health wise happens to you, are you going to be able to afford treatment?

WillowTree

(5,325 posts)
14. What the heck are you driving, a Bently?
Sun Mar 30, 2014, 08:40 PM
Mar 2014

Must either be that or you're driving on a couple of DWIs. I'm in the metropolitan Chicago area and my premium for fairly high limits and full coverage on a new car are only about $50 more than that for six months.

That number just can't be right.

 

yeoman6987

(14,449 posts)
15. Your car insurance amount is outrageous
Sun Mar 30, 2014, 09:56 PM
Mar 2014

Surely you can get that cut down to about 100 a month can't you?

Autumn

(45,096 posts)
2. Yes we need a public system that actually includes all people, such as extending Medicare
Sun Mar 30, 2014, 04:05 PM
Mar 2014

to all Americans. And hopefully that will come. Very good article, thank you.

treestar

(82,383 posts)
3. Does she make too much for medicaid?
Sun Mar 30, 2014, 04:07 PM
Mar 2014

Get the bronze plan and still use community health clinics. The ACA provided for that. Then use these stories to argue for single payer.

ProSense

(116,464 posts)
5. First of all
Sun Mar 30, 2014, 04:17 PM
Mar 2014
The cheapest "bronze plan" is only $2.20 per month, which will avoid a year-end fine for being uninsured, but it pays for little up until the $6,000 deductible. The "silver plans" cost $130 to $360 per month with a $900 annual deductible, but for those she'd have to choose between a health savings account, a limited HMO provider network, a 40 percent or a $40 co-pay, and many other confusing options.

...that is not how deductibles work. To do a story about being able to get a plan for $2.20 cents, and then claim it's not good is absurd.

Deductibles are based on a formula. You could go to the doctor and end up having to pay $20 based on the deductible, but a chunk of the bill is covered.

Grab the $2.20 plan, and if you can afford it, do the Silver plan. Still, why is there such a disparty between the bronze and the silver? She is clearly eligible for a deductible based on the bronze plan.





 

Motown_Johnny

(22,308 posts)
6. Mary can still use free clinics and emergency rooms.
Sun Mar 30, 2014, 04:26 PM
Mar 2014

The idea that a $2.20 a month plan will somehow ruin her life is beyond contempt.


She will also have the option of seeing an actual doctor. Everyone gets one "wellness visit" a year without a copay, thanks to Obamacare.

With a bronze plan she would have some coverage if something terrible happened. If she is in her late 50s and has a heart attack or a stroke without any coverage, her life is pretty much over. She will never be able to get the care she needs or to recover from the cost of the emergency care it would take just to keep her alive.


This is just one more example of someone who would benefit greatly from the new law claiming that it will somehow be a burden.

MattP

(3,304 posts)
7. 900 yearly deductible is not much compared to a night in a er
Sun Mar 30, 2014, 04:34 PM
Mar 2014

Sounds like a Koch ad before a debunking.

BrotherIvan

(9,126 posts)
8. How is the silver plan a $900 deductible?
Sun Mar 30, 2014, 04:35 PM
Mar 2014

Mine is $5000 deductible for a silver plan. That's why I basically can't use it. It is also my understanding that older people are not allowed on the bronze plan which is catastrophic insurance for young people only.

bvar22

(39,909 posts)
9. Health Insurance is NOT Health Care.
Sun Mar 30, 2014, 05:37 PM
Mar 2014
"Last time I checked my bankroll, it was gettin' thin
Sometimes it seems like the bottom
Is the only place I've been
Chased a rainbow down a one-way street, dead end
And all my friends turned out to be insurance salesmen"

----John Prine, from "Illegal Smile"

Getting the ACA passed,
and getting a website UP & Running,
and getting people enrolled ...
was the EASY part.

Getting the vultures in the Health Insurance Industry to deliver actual Health CARE
will be the hard part.
As long as these For Profit Predators stand between Americans and Health CARE,
there WILL be BIG problems.

During Campaign 2008, The Public Option was marketed as the thing that would "Keep Them Honest".
Well, we don't HAVE a Public Option,
so we have nothing to "Keep Them Honest".

Jesus Malverde

(10,274 posts)
16. A partnership with parasites..
Sun Mar 30, 2014, 10:02 PM
Mar 2014

I think thats called a symbiotic relationship.

Somehow the ACA has given these parasites an air of respectability when they deserve to be stomped out and eradicated as the soulless money sucking financial maggots they are.

bvar22

(39,909 posts)
17. I agree.
Sun Mar 30, 2014, 10:33 PM
Mar 2014

I both vigorously SUPPORT the ACA,
and vigorously CONDEMN the ACA.

That is because there is not an entity known as Obamacare.
It was 2,500 pages of a "comprehensive" package that contains many disparate parts.

I applaud the Medicaid Expansion,
and expect NO LESS from a Democratic President.

I applaud the regulation imposed on the parasites,
and expect NO LESS from a Democratic President.

I strongly Condemn the MANDATE with NO National Public Option,
and the individual State Run "Exchanges".
They are another assault on the Working Class that doesn't have the money to spare.

The 3rd Way has learned how to sell their Market Based Solutions well.
The Billions in Taxpayer Funded "Subsidies" flowing into the coffers of the most useless Industry in the WORLD is an insult to every FDR/LBJ Democrat in this country.
.....but, Its ALL OK because of the Medicaid Expansion!!!

I'm an OLD Democrat,
and I remember when the Democratic Party didn't make us eat a plate of shit just to get to the crumbs.

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