The new health insurance bill that just passed the House

2515 Views 42 Replies 11 Participants Last post by CoffeeMate, May 12, 2017

NTA

Discussion Starter · May 5, 2017

Why are there no, none, not any at all, actual quotes on TV or in the paper from the bill to explain it?

Is it another 2,000 pages of inscrutable legalese ?

I've heard folks against the new bill say that drug prices will increase x10.

But no way to refute crazy talk being propagated by the resistance.

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Casual User

· #2 · May 6, 2017 (Edited)

Most thoughts are that it's DOA in the Senate. Haven't heard anything about drug prices going up, at least no more than usual. I'm retired, I pay out of pocket for my health insurance for a policy purchased on the Marketplace, and switched during open enrollment from Humana to BCBS. Humana tried to raise/my cost from$600/month to $1250/month, BCBS is $833. That's expensive, but I can afford it. The other options are wait 4 more years until I'm 65 and qualify for Medicare, go without and hope I live long enough for that, or go back to work. Going back to work is completely out of the question. It creates some uncertainty among some of us that took early retirement, and don't qualify for a subsidy.

It also depends on what our idiot's under the gold dome. decide to do.

Right now I'm waiting to see the CBO scoring on this disaster.

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moe mensale

· #3 · May 6, 2017

NTA

Discussion Starter · #4 · May 6, 2017

I suppose with all the powers granted the HHS Secretary, we need to wait on all the rules that will be spewed out over time.

Casual User

· #5 · May 6, 2017

Some power to the HHS Secretary, and a lot more power to the states. Our legislature doesn't have a very good track record in that regard. If you are poor you are probably screwed. If you are still working, then retirement is just a fantasy for most of ya'll.

I've rolled over my 801K (started with a 401K in the '80's, by the end of W's term it was down to a 201K, but I stayed the course and it gained back everything it had lost under the last Republican President and had grown into a 801K.) All politics aside, Obama been berry berry good to me. It always struck me as ironic that most folks that complain about ACA (Obamacare) either have health insurance through their employer, or are 65 and already qualify for Medicare. Before the ACA, health insurance costs rose every year. After the ACA costs have continued to rise evey year. They've risen at a slower pace than they used to.

I'll wait to see the CBO scoring on this. If it's worse than the original version I'll decide then what I think about it.

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NTA

Discussion Starter · #6 · May 6, 2017

C.U. - it's time to take some money off the (market) table.

oxfat

· #7 · May 7, 2017

Casual User said:
Some power to the HHS Secretary, and a lot more power to the states. Our legislature doesn't have a very good track record in that regard. If you are poor you are probably screwed. If you are still working, then retirement is just a fantasy for most of ya'll.

I've rolled over my 801K (started with a 401K in the '80's, by the end of W's term it was down to a 201K, but I stayed the course and it gained back everything it had lost under the last Republican President and had grown into a 801K.) All politics aside, Obama been berry berry good to me. It always struck me as ironic that most folks that complain about ACA (Obamacare) either have health insurance through their employer, or are 65 and already qualify for Medicare. Before the ACA, health insurance costs rose every year. After the ACA costs have continued to rise evey year. They've risen at a slower pace than they used to.

I'll wait to see the CBO scoring on this. If it's worse than the original version I'll decide then what I think about it.

It's not that simple. Before the ACA was passed, I had pretty good employer health care. As soon as it passed, my employer saw that our plan was going to be a "Cadillac Plan," and immediately dropped it. We went to a high-deductible plan where you are essentially self-insured unless it is bone-chilling catastrophic. So yes, I was one of the complainers.

Adam5

· #8 · May 7, 2017

I'm with Oxfat on this one. When the ACA took effect, my employers plan went up by a double digit percentage, coverages went down, and deductibles went up.

ForsythGlock

· #9 · May 7, 2017

Adam5 said:
I'm with Oxfat on this one. When the ACA took effect, my employers plan went up by a double digit percentage, coverages went down, and deductibles went up.

Same here.

Casual User

· #10 · May 7, 2017

oxfat said:
It's not that simple. Before the ACA was passed, I had pretty good employer health care. As soon as it passed, my employer saw that our plan was going to be a "Cadillac Plan," and immediately dropped it. We went to a high-deductible plan where you are essentially self-insured unless it is bone-chilling catastrophic. So yes, I was one of the complainers.

Snork. That's been going on since basically forever. I hate to bust your bubble, your employer would out source your job or offshore it if they thought they could.

oxfat

· #11 · May 7, 2017

Casual User said:
Snork. That's been going on since basically forever. I hate to bust your bubble, your employer would out source your job or offshore it if they thought they could.

With "snork" and "hate to bust your bubble," I think you are trying to sound like some really smart guy dispensing wisdom to a rube. In fact, the only knowledge you have of the situation is from the little I wrote.

At the time (I'm no longer with that company) I was doing software reviews for reactor protection systems (as in nuclear power). I don't think you're going to teach me much about the world. You really don't know the company I worked for, which was a large multi-national company who was already arraying their resources in the best location for the task.

I'm sure you have more snide comebacks where your previous comments came from, and I'm sure you'll use them here in an attempt to make yourself look world-wise and smarter than me. That's fine, but also be aware that other people on this site are pretty perceptive and can see through false bravado.

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Adam5

· #12 · May 7, 2017

If you want to see the effect the ACA has on most people, look for MP's thread about his rates and experience with the healthcare exchange.

Casual User

· #13 · May 7, 2017

oxfat said:
With "snork" and "hate to bust your bubble," I think you are trying to sound like some really smart guy dispensing wisdom to a rube. In fact, the only knowledge you have of the situation is from the little I wrote.

At the time (I'm no longer with that company) I was doing software reviews for reactor protection systems (as in nuclear power). I don't think you're going to teach me much about the world. You really don't know the company I worked for, which was a large multi-national company who was already arraying their resources in the best location for the task.

I'm sure you have more snide comebacks where your previous comments came from, and I'm sure you'll use them here in an attempt to make yourself look world-wise and smarter than me. That's fine, but also be aware that other people on this site are pretty perceptive and can see through false bravado.

I don't claim to be smarter than anyone. Although I tested well, best I can hope for is to be average. That's a fairly safe claim statiscally but I'll leave open the possibility that I'm wrong and could be below average. All I know is that I'm comfortably retired. Neener neener.

Casual User

· #14 · May 7, 2017

Adam5 said:
If you want to see the effect the ACA has on most people, look for MP's thread about his rates and experience with the healthcare exchange.

Yep I read that thread. Seemed to me MP was expecting a freebie. actuarial pools are what they are.

rankhornjp

· #15 · May 7, 2017

I've never had employer coverage. My rates have almost tripled (from $600 to $1700), and my deductible has doubled ($5000 to $10000).

I don't see the benefits you see

NTA

Discussion Starter · #16 · May 8, 2017

My lib friends all tell me that they know folks who love their O'Care. I'm not convinced.

Feral

· #17 · May 8, 2017

I do know many people who did not have coverage before ACA and have since been able to acquire insurance. One in fact who needed major surgery and was covered due to this.

Insurance companies will always find a reason to raise their rates. That's why I dislike them and I wish we didn't have health insurance in this country.

My rates did go up through my employer provided insurance. My only saving grace is that my employer pays for my insurance in full. Otherwise I likely wouldn't have any coverage.

AtlPhilip

· #18 · May 8, 2017

Casual User said:
Snork. That's been going on since basically forever. I hate to bust your bubble, your employer would out source your job or offshore it if they thought they could.

False. And they have the ability.

Malum Prohibitum

· #19 · May 8, 2017

Casual User said:
It always struck me as ironic that most folks that complain about ACA (Obamacare) either have health insurance through their employer, or are 65 and already qualify for Medicare.

You obviously have not seen my years long thread about dealing with the incompetence of the health care exchanges.

I will spare you the details about incompetent employees who intentionally wasted more than 100 hours of my family's time (although I will share one detail, literally more than a dozen hangups after wasting long slots of time on the phone when the person on the other end was not sure what to do, just click, disconnect, and not a damn thing you can do about all that time flushed down the toilet).

SUMMARY VERSION:
Triple the cost. Less coverage. More of a burden dealing with the insurance company (who knows you are captive at least until the next enrollment period, so they do not really give a **** what you think or what your problem is or how to cure it). No competition left in my area as every year my prior insurer leaves the market. There is now only one, so guess how much they care to be great with service and free market competition?

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Malum Prohibitum

· #20 · May 8, 2017

Casual User said:
Yep I read that thread. Seemed to me MP was expecting a freebie. actuarial pools are what they are.

So you did read it, and so you do know of people who are in the system and still not liking it and seeing the destructive effects of it.

I was "expecting a freebie."

I could simply respond that this allegation you made is idiotic on its face, because, knowing exactly myself what my specific issues were, I recognize your statement for the worthless, ignorant tripe it is. Instead, however, I will ask you to explain yourself. Explain in the context of anything I wrote, anything, something that possibly supports this dubious proposition. You made the claim. Support it.

Was the health insurance I purchased on the individual market before ACA a "freebie?" Was the semi-freemarket competition that existed "a freebie?" Was my ability to switch insurance companies anytime I felt like it and for any reason, no matter how petty, "a freebie?" Was the insurance companies' responsiveness to me as a customer, resulting from competition and their need to remain competitive to retain me as a premium paying customer, "a freebie?" Was my vastly lower premium "a freebie?" Was the participation of numerous companies in my area selling health insurance, all seeking my dollars, "a freebie?" Was the lack of a financial burden to my family from monthly premiums "a freebie?"

What the hell are you talking about?

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