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Open Enrollment - Let's All Complain

reignman40 said:
And I am shocked by their quality. Can't have it all.
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It's funny that sooo many Americans are disappointed in the medical service people in other countries get when the people in those countries are perfectly happy with their coverage and service and wouldn't trade if for what we deal with. Also funny (in a really sad not at all funny kind of way) that all these other western nations have better health outcomes than we do, despite what many Americans portray as such horrific poor quality medical care.
 
At my projected income for the next year, the Obamacare offerings in Utah want me to pay monthly premiums of $750 at one tier or $950 at a higher tier. That's just for me with no dependents and no issues or pre-existing conditions. There's a private network in Utah that's more competitive, but I have to say I'm shocked by the monthly premiums with Obamacare.

It's worse than what I saw in Calif. I'm assuming it's because people who earn more are supposed to subsidize care for people who earn less.
 
reignman40 said:
I agree 100% I'm sick and tired of being the worlds police and don't get me started on foreign aid... Cant stand seeing how much we pay in taxes while god knows how much goes over seas . Fix that and we can start talking about cheap healthcare for all.
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Foreign aid isn't much. Good luck getting Americans to spend less on military.
 
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fishonjazz said:
Yes my insurance sucks. Many peoples insurance sucks. Don't you see that is a major part of the issue?

Being able to see a doctor shouldn't be something that one person can do with little cost and someone else has to pay way more for. And how different locations have different prices and different doctors/facilities that are covered by different insurances.
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Totally agree with this. I've gotten into the habit of asking providers how much something is going to cost. The look they give me is ridiculous. They almost act offended (or annoyed) that I want to know how much something costs. Price transparency is something that everyone seems to agree on.....yet nothing gets done. Both parties (currently) have their hands in the pockets of healthcare.
 
Catchall said:
At my projected income for the next year, the Obamacare offerings in Utah want me to pay monthly premiums of $750 at one tier or $950 at a higher tier. That's just for me with no dependents and no issues or pre-existing conditions. There's a private network in Utah that's more competitive, but I have to say I'm shocked by the monthly premiums with Obamacare.


It's worse than what I saw in Calif. I'm assuming it's because people who earn more are supposed to subsidize care for people who earn less.
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This might be why-
https://www.healthinsurance.org/obamacare-enrollment-guide/off-exchange-plans/

In the fall of 2017, the Trump Administration announced that the federal government would no longer fund the ACA’s cost-sharing reductions (CSR). States and insurers took varying approaches to address this, but the most common strategy was to add the cost of CSR to silver plan premiums, since CSR benefits are only available on silver plans. The resulting increase in silver plan rates meant that premium subsidies grew significantly for 2018 in many states (since the premium subsidy amounts are based on the cost of silver plans), and have remained disproportionately large ever since, making many subsidized enrollees better off than they would otherwise have been.

But what about people who don’t get premium subsidies? Regulators realized that if those enrollees wanted to buy silver plans, they’d be stuck with the higher premiums. So some states and insurers opted to add the cost of CSR only to on-exchange silver plan rates, and create slightly different off-exchange versions of those plans, without the cost of CSR added to the premiums (in some states, the off-exchange plans are identical to the on-exchange versions, but the cost of CSR has only been added to the on-exchange version; CMS eliminated the “meaningful difference” rule altogether as of 2019). And the majority of the states took this “silver switch” approach for 2019. The result is lower-cost off-exchange silver plan rates, compared with the on-exchange silver plan rates, for people who don’t qualify for premium subsidies. This is considered the strategy that’s most protective for the greatest number of consumers.

Source: https://www.healthinsurance.org/obamacare-enrollment-guide/off-exchange-plans/
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Catchall said:
At my projected income for the next year, the Obamacare offerings in Utah want me to pay monthly premiums of $750 at one tier or $950 at a higher tier. That's just for me with no dependents and no issues or pre-existing conditions. There's a private network in Utah that's more competitive, but I have to say I'm shocked by the monthly premiums with Obamacare.

It's worse than what I saw in Calif. I'm assuming it's because people who earn more are supposed to subsidize care for people who earn less.
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Pre-ObamaCare, I know that the rates in Utah were actually quite low in comparison with other states due to the healthy lifestyle and average age of the residents. Cost of insurance in Montana was nearly double.
 
Alaska, could you find another employer who will agree to pay nothing for your healthcare? Would that be better?
 
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Truth said:
Foreign aid isn't much. Good luck getting Americans to spend less on military.
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Speaking of military. Much of these countries can afford government paid healthcare because they spend little to nothing on defense, knowing the US military will come to the rescue if anything happens.
 
USA could cut military spending in half and the world wouldn't be much different.
Other countries can afford government paid health care because universal government paid healthcare is cheaper.
 
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