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In Reply to: are *you* kidding?.... posted by LtMandella on December 2, 2020 at 16:13:36:
We've had private insurance since about 2006. Our Aetna policy cost $500 per month and had a $5,000 deductible. However, if we used our insurance, Aetna had discounts, so a $100 doctor bill was reduced to $60 or $70 which went toward the deductible.
Once ObamaCare was passed, our rates spiked from $600 to $800 even before the law went into effect. The next year or so, the policy was canceled and we had to use the ACA options which cost us $1,200 with $6,250 deductible or a max of $12,500, more than twice that of our old Aetne policy and we had to pay the full freight for any use of the policy without any discounts.
I'll give you that pre-existing conditions are a good thing and keeping children on the policy is ok. Otherwise, there's not much good about ObamaCare and it hasn't made health care more affordable.
Subsidies are also a good thing and also a stupid thing. If you make less than a certain amount, you get a big discount, as much as 70-80% of the actual cost. Once you go a dollar over the limit, you get nothing. So the ACA is only affordable if the government pays for over priced insurance. It's crazy.
And yes, the ACA policy went up every year but has actually stabilized somewhat over the last few years.
If we want universal insurance, then make it universal and charge everyone a tax to pay for it. The whole current law needs to be thrown out with something fair and reasonable to replace it.
-Rod
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Follow Ups
- Have you ever bought insurance from the ACA? - Rod M 12/2/2017:57:09 12/2/20 (0)