because they are high now....and the open market, competition should drive them down...right now I doubt insurance carriers really know what direction it is going....especially with the government meddling and muddying up the water...
You can keep your plan
- Thread starter LDB
- Start date
because they are high now....and the open market, competition should drive them down...right now I doubt insurance carriers really know what direction it is going....especially with the government meddling and muddying up the water...
The insurance companies are going to go belly up if 67% of the "young people don't sign up, right now, they are not. Obama knows this. Obama Care is set up to destroy the private insurers and force a National Health (total control) system on the county. It has no other purpose.
cubansammich
Not a Member
I like the affordable care act it. A lot of these cancelled plans were worthless if the insured ever really needed them and many would have been cancelled or declined when they were needed. Real insurance costs real money and responsible people will make sure their family have real insurance.
tenntrucker
Expert Expediter
paullud
Veteran Expediter
I'm 33, my wife is 28 and there isn't a chance that we are signing up for health insurance right now. We are not alone as most younger people can't justify the expense and given the fact that there is coverage for pre-existing conditions we have even less incentive to sign up. I had an issue with a bad case of bronchitis that had me in the hospital twice. The hospital set up a simple payment plan with us and we had it paid off in 7 or 8 months. For dental care we found a great, affordable dentist and paid upfront for everything including wisdom teeth being pulled and cavities fixed. This has saved us tens of thousands of dollars over the last several years. Why would we change that now?
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We are responsible people. We had affordable, REAL insurance that totally met our needs. It is now gone and we cannot afford the plans that are out there. That is a fact.
On top of that, who should decide for an individual what coverage that they need or don't need? The government? The individual? IF the government forces the choice prices almost always go up, like now, choices are more limited and freedom is lost. Nothing is worth that.
We have never had a plan cancelled, until Obama Care outlawed ours, we have never had a problem using it. It met all of our needs and covered everything that we needed covered, and nothing else. THAT is real insurance.
The plans we are being forced to buy, cover less of what we need, cost considerable more, and cover a lot that we have no need for what so ever. They will NOT provide the protection we once had.
What we have been offered so far are useless plans, with out of sight premiums, that will cover almost nothing until we put out more than triple out of pocket than we are now.
I STILL am waiting for someone to justify cancelling plans, and coverage packages, that people want and like. Why is that any business of the government?
I was not saying for anyone to do anything. I was just saying that IF a majority of people your age don't sign up, Obama Care WILL fail and that is exactly what they are looking for.
Dentists we pay for out of pocket. Same with glasses.
I believe that EVERYONE should be responsible for their own health care. They can chose to buy insurance or not, as they wish. They should NOT how ever be able to then "skip out" on the bills like so many do. (not even saying you are but it is common out there)
paullud
Veteran Expediter
I know how you feel about the ACA. I was just giving a general response about the flawed idea that the government plans on young people footing the bill for older or unhealthy people that you mentioned.
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You sure got that right. It is flawed. That is, if one assumes that this plan was meant to succeed. I believe that it was designed to fail from the start. They know that those they "need" to sign up are not likely too. They need at least 3 million in the first year, which is why the "fine", "Penalty Tax" is only $95. They really don't want it to work. THEN they can push for National Health system. THAT will give them the control of the economy and the people that they are looking for.
Since we have had our insurance for quite some time we get to keep ours without all the goofy stuff added. For how long who knows but it is likely cheaper than anything in the exchanges because we don't have the add ons that we would never use. Kinda like a winning lottery ticket at this point.
As for the rest of it, competition will not drive down prices. Have to cover way too many people for free or a subsidized rate. The number you see now in the exchanges will just about double in 2015.
As for the rest of it, competition will not drive down prices. Have to cover way too many people for free or a subsidized rate. The number you see now in the exchanges will just about double in 2015.
We have had ours for more than 10 years. It's gone. It is a crap shoot for sure.
Have not had a change since we had the policy. Ours did not have maternity, newborn care or pediatric vision care. That is why it was cancelled. No other reason.
It doesn't have to have that if you had the policy prior to 2010 and they didn't change anything.
Most changed something in their policy and have to insure according to ACA. That is why they are cancelling those types of policies. Our carrier said ours was "grandfathered" in.
I don't remember exactly when we got it, 2002? 2003? Something like that. My wife would have the records. Long before 2010. There were no changes since we got it, other than rate increases due to my wife's age. She is maxed out on those now as well.
paullud
Veteran Expediter
A rate increase is a change in the policy.
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Yeah, anything to stick it to us.
There was no change in coverage. I guess considering an age related increase a "change" is a good way to "stick it" to older working people.
Not that we ever received notice of. All BCBS told us was that our policy did not have maternity, newborn care or pediatric vision. Something due to Michigan maybe? Don't know. All I know is we no longer have an affordable policy that suited our needs to a "T".