obamacare opinions

[netsfan549]

After a year, what are your opinions about obamacare?

[KevinNYC]

Are you asking about the politics of it? Or the quality of care? Or ?

There was a recent poll where 7 of 10 respondents (http://www.usnews.com/news/blogs/data-mine/2014/11/14/obamacare-plans-earn-high-marks) rated their "quality of healthcare" good or excellent.

Here's a couple of evaluations
http://www.commonwealthfund.org/publications/blog/2014/sep/assessing-the-affordable-care-act

http://files.kff.org/attachment/analysis-of-2015-premium-changes-in-the-affordable-care-acts-health-insurance-marketplaces-tables

[InfiniteBaskets]

The idea of an increase in healthcare for preventative measures and treatment for low income earners through subsidization of the general public, I'm okay with.

The execution of the original healthcare exchange site upon first launch and the marketing of the actual product?

[Charlie Sheen]

California and it sucks for me. Everything requires insurance approval now. EVERYTHING. Before the ACA it was totally different. aaaaaaaaaaaand no cost benefit as a single dude making 40k in his 30's. No subsidies. I got dragged down to the very basic level of health care while still paying the same. :(

[bagelred]

it sucks to give MORE help to lower middle income and poor people in this country, when the wealth disparity can be even greater without it. Fcking socialism.

[Patrick Chewing]

It's a tax, and the country gets taxed enough as it is.

[DukeDelonte13]

I'm self employed so i'm definitely loving it. Saving around 500 bucks a month.

My monthly premiums went up, but now i have coverage for ER, maternity, ambulance, etc.

A maternity rider alone would have been an additional 700 a month for me on top of what i was already paying. If that doesn't show how broken the system was I can't help you. I would have been LUCKY to get dollar for dollar value out of my old plan meaning it would have actually been cheaper for me to just pay out of pocket for all my medical expenses. When medical insurance costs more than the actual cost of routine healthcare it's time for a change.

Yes the rollout was a b*tch and was clunky but it's literally been life changing for me.

[DukeDelonte13]

It's a tax, and the country gets taxed enough as it is.


you a dummy. It's insurance reform.

[Patrick Chewing]

you a dummy. It's insurance reform.


You the dummy. The cat's out of the bag already. Watch the news.

[Tarik One]

It keeps me employed (Medicaid) and i'm making a nice salary. I love it.

[falc39]

That Jonathan Gruber guy lollll. They should ask for his opinion again :oldlol:

[Crystallas]

Significantly worse.

But the Obama damage control patrol will say otherwise.

[Droid101]

California and it sucks for me. Everything requires insurance approval now. EVERYTHING. Before the ACA it was totally different. aaaaaaaaaaaand no cost benefit as a single dude making 40k in his 30's. No subsidies. I got dragged down to the very basic level of health care while still paying the same. :(
Hell are you talking about? California here, and it's fine, nothing requires approval.

You have bad insurance if they require approval for everything. You should use the exchange and get a better plan.

I'd love to see your zip code and gross salary so I could look up a good plan on the Exchange for you.



Anyway, for me, since the ACA was enacted, rates have gone up far less than they used to year over year. Instead of 10% increases every year it's only been like... 5% increases. Pretty significant savings. Also got a refund check last year; the insurance company didn't spend enough on care so they had to give everyone a refund per the law.

Still a shit system, but since Republicans control the House and Senate, we'll never get Single Payer/Universal in order to catch up with the rest of the civilized world.

[Nanners]

i think obamacare is pretty good, but I would prefer if we had true universal healthcare like you see in other developed nations.

i really like how obamacare forces insurance to cover pre-existing conditions.

[kentatm]

i think obamacare is pretty good, but I would prefer if we had true universal healthcare like you see in other developed nations.

i really like how obamacare forces insurance to cover pre-existing conditions.

The bolded is a really big deal.

I have several friends that couldn't get insurance before b/c of preexisting conditions.

I also agree with your first point.

[Charlie Sheen]

Hell are you talking about? California here, and it's fine, nothing requires approval.

You have bad insurance if they require approval for everything. You should use the exchange and get a better plan.

I'd love to see your zip code and gross salary so I could look up a good plan on the Exchange for you.



Anyway, for me, since the ACA was enacted, rates have gone up far less than they used to year over year. Instead of 10% increases every year it's only been like... 5% increases. Pretty significant savings. Also got a refund check last year; the insurance company didn't spend enough on care so they had to give everyone a refund per the law.

Still a shit system, but since Republicans control the House and Senate, we'll never get Single Payer/Universal in order to catch up with the rest of the civilized world.

What is your problem? The title of the thread is obamacare opinions. That's what I wrote from my own unique perspective. I wasn't trying to be a spokesperson for the entire state. The first line I wrote even states it sucks FOR ME. I also addressed the basic level of insurance in my first post. Did you even read past the it sucks part? I don't expect you to have the same personal experience with healthcare reform as me.



Of course you had to drag republicans into this. Please don't use me as your entry to an attack on a politiical party. Thanks.

[sammichoffate]

i think obamacare is pretty good, but I would prefer if we had true universal healthcare like you see in other developed nations.

i really like how obamacare forces insurance to cover pre-existing conditions.Republicans would commit suicide if the first thing happened, least the mainstream idiots would.

[travelingman]

You the dummy. The cat's out of the bag already. Watch the news.

You misspelled "Fox"


and should've capitalized the "n" in "news."

Jackass.

[GimmeThat]

better question

will people stop watching Peter Jackson film before Peter Jackson stop turning what others would do in 2 hours into 15 hours?

[theballerFKA Ace]

Self employed in California. Sucks for me big time. First had my policy cancelled, now I have to pay $70 more a month for slightly better insurance but with a higher deductible. My sis and bro are jumping for joy, they have kids and don't make d!ck, so they don't pay sh!t.

[dkmwise]

What's not to like, coverage for more people, everyone pays less and everyone gets better coverage. Makes sense that when you give more coverage to more people it costs less, right?

I think everyone could have seen problems coming with this. I know personally I took a job years ago where I would make less money but have good and steady benefits and already have seen my costs go up. Costs going up while not a good thing, isn't as bad as the fact that service has been worse. Now for primary care haven't noticed a difference and most people probably won't, but when it comes to seeing a specialist or going through cancer treatments there is a big difference in quality of care and amount of time a doctor will spend with you, I'm sure if others have been to specialists recently they've noticed that too. Confirmed this by talking to people I know in the health care field that now more than ever they are told to spend no more than 20 minutes with a patient no matter what.

[KevinNYC]

Self employed in California. Sucks for me big time. First had my policy cancelled, now I have to pay $70 more a month for slightly better insurance but with a higher deductible. My sis and bro are jumping for joy, they have kids and don't make d!ck, so they don't pay sh!t.

One of the giant problems with the individual market before Obamacare was that if you got sick and started needed the insurance, they would either jump your rates or drop you. Too many companies were offering "insurance" until you started to use it.

[dkmwise]

One of the giant problems with the individual market before Obamacare was that if you got sick and started needed the insurance, they would either jump your rates or drop you. Too many companies were offering "insurance" until you started to use it.

That's a great point and certainly a good thing that came from the bill, however also could have been solved with a law targeting that specific action and not turning the whole system upside down.

[KevinNYC]

That's a great point and certainly a good thing that came from the bill, however also could have been solved with a law targeting that specific action and not turning the whole system upside down.

Well, it's just one of the problems that the Patient Protection and Affordable Care Act was intended to address.

[MavsSuperFan]

Didnt really affect my life, but from the stuff I have read it has helped much more than it has hurt.

Will probably go down as Obama's best accomplishment

[netsfan549]

I have noticed almost all repulicans party hate obamacare.

It has helped me. I am getting my hernia surgery for free. Thank God!. Before obamacare I was looking at paying 4000

[dkmwise]

I have noticed almost all repulicans party hate obamacare.

It has helped me. I am getting my hernia surgery for free. Thank God!. Before obamacare I was looking at paying 4000

If you don't mind sharing, what type of insurance do you have, did you get it through the new Obamacare, what are monthly premiums, and is their really no out of pocket expenses for the surgery?

[netsfan549]

If you don't mind sharing, what type of insurance do you have, did you get it through the new Obamacare, what are monthly premiums, and is their really no out of pocket expenses for the surgery?

ive horizon, monthly payments 200 dollars, and yes

[dkmwise]

ive horizon, monthly payments 200 dollars, and yes

Damn, that is cheap. And to cover 100% of that surgery is awesome.

Do you know how they determine monthly premiums, is it a flat fee for anyone, based on age and health, income based?

[KevinNYC]

Am I the only one who thinks 2400 a year for health care is a fvkload

Also the cheapest I saw was 1200ish a year but with like a 6000 dollar deductible. Fvk that shit

About 3 or 4 years ago I went to bed healthy. Woke up with a 105 degree fever and wound up in the hospital for 5 days. Would have been 25 grand without insurance.

So when you need it, you understand why it costs.

[GimmeThat]

About 3 or 4 years ago I went to bed healthy. Woke up with a 105 degree fever and wound up in the hospital for 5 days. Would have been 25 grand without insurance.

So when you need it, you understand why it costs.

I suppose I just prefer to focus on the supply side of it all at the moment


since trying to deal with the demand side of it all
means price points in which doesn't reflect the true value of the product and services


as when staying overnight at the hospital is at the cost immeasurable to even a stay at the most luxurious hotel


I suspect we are not there yet

[shlver]

It was a step in the wrong direction imo
First, the mandate is a tax. The SCOTUS ruled on this already. The mandate stood because it functioned as a tax. You either buy health insurance or you pay a tax penalty.
The ACA eliminates the competition of a government run health insurance company competing with private health insurance. The government is forcing the "public option" through mandating purchase of insurance from private HMO's. Health insurance companies had a vested interest in the passing of the ACA; it meant guaranteed profits and a 5000 page ACA bill full of regulation to understand and adhere to that limits entry into the market. The passing of the ACA created a government supported oligopoly.
The step in the right direction would be a multipayer system. A government run health insurance system competing with private hmo's would drive up quality and lower premiums.

[RoundMoundOfReb]

It sucks.

[Take Your Lumps]

The McKinsey study (PDF) (http://healthcare.mckinsey.com/sites/default/files/2015%20OEP%20Emerging%20Trends%20-%20McK%20Reform%20Center_0.pdf) has some very interesting (and mostly positive) things to say about "Obamacare".

[QUOTE]Key Study On Obamacare 2015 Premium Rates Is Out And You Won't Believe What's Going To Happen (http://www.forbes.com/sites/rickungar/2014/10/31/key-study-on-obamacare-2015-premium-rates-is-out-and-you-wont-believe-whats-going-to-happen/)

While political slanting continues to dominate the public

[KevinNYC]

The McKinsey study (PDF) (http://healthcare.mckinsey.com/sites/default/files/2015%20OEP%20Emerging%20Trends%20-%20McK%20Reform%20Center_0.pdf) has some very interesting (and mostly positive) things to say about "Obamacare".

The Kaiser Foundation is also a good place to get info on prices.

http://kff.org/health-reform/issue-brief/analysis-of-2015-premium-changes-in-the-affordable-care-acts-health-insurance-marketplaces/

the basic story is prices are going down in some markets and not in others.

Another story is if you enrolled last year, you should still do some shopping this year as you may find a better deal.
http://www.nytimes.com/2014/11/15/upshot/why-shopping-is-so-important-in-health-enrollment.html?rref=upshot&abt=0002&abg=1

[KevinNYC]

It's pretty much get kinda fvked or get really fvked

Both suck

That's the point of insurance. If you're never ever ever ever going to get in a car accident or get sick, you wouldn't need insurance. However, you can't guarantee that.

At least with health insurance it also pays for care that prevents you from getting worse. Car insurance doesn't pay for maintenance.

So you got to weigh the "I can visit the doctor regularly" and stay healthy aspect in when you are weighing the kinda fvked option.

There's also straight up benefits to being able to vist a doctor and the regular and do it cheaply.

Macho Man see my link about shopping again this year above.