Obama fesses up and admits he lied that many could not keep their healthcare plans

No. All our firms solely represent financial institutions.

 

If Democrats have to lie in order to counter Wall Street propaganda, so be it.

 

I must be the only person here who finds Tallnover's real life situation a little too coincidental in matching his rhetoric on Obamacare in the D&D.

In other words he is probably full of bull**** or exaggerating the "140%".

Like a poster mentioned before, it's as if the Obama administration created a list of ALL the registered voters of Republicans and made them lose their plan or have their costs go up. Notice how every notorious right winger on the message board has some personal story of them loosing their health insurance or having their rate go up. I mean you would have to be somewhat naive to believe that they are all speaking the truth about their personal situation rather than trying to use a fake personal experience to trash ACA.

 

I don't know if he is exaggerating or not. Maybe, although I am loathe to just assume it. I can tell you that my 60% is very real. I can tell you that the employees who can no longer afford our health insurance are very real. What I can't tell you is how much the amount that the form is paying is going up. I do know that the firm picks up a lot of the cost of the coverage overall and that the costs are going up for the firm. I am very fortunate that the firm spends a lot of money to keep my excellent benefit package affordable.

 

We (2 over 55) went from under $500 to $1150 a month.

Yea Obamacare!

(FREAKIN NOT)

 

under the new exchanges?

 

The President did not say that you could buy from exchanges. He said you can keep your plan. The poster stated that in order to keep his plan, he has to pay at least twice as much. Part of telling people they can keep their plan implies that they will still be able to afford their plan. For a lot of people, that has turned out to be inaccurate.

 

It's possible an important point is being missed here.

In all likely hood Tallanvor's costs went up to keep the same plan with the same company. He should check the exchange to see what plans are available. It could be that a similar plan at the same or lower cost is available to him.

This doesn't excuse Obama saying you can keep your plan. Just from the standpoint of helping people find healthcare at a good price, you should check the exchange.

 

If he lives in Texas, it is literally impossible for the exact same plan to cost less, or even the same, on the exchange for 1-1 unless you were sick or qualify for a subsidy.

On top of that, he most certainly CAN'T get his same plan on the exchanges because the ACA basically said that the way insurance plans have worked is no longer good enough and all insurance plans had to fundamentally restructure their cost sharing provisions. For the majority of people, it will literally be impossible to buy an identical plan on January 1st as one you purchased prior to January 1st.

 

What is it about the exchanges that leads people to think they are some sort of magic cost reducing mechanism? The only way the exchange makes your cost less is if you get a subsidy. If you don't get a subsidy then buying from a federal exchange is a waste of your time.

 

You sure your firm isn't just passing more of the costs onto you guys and using the ACA as a pretext?

 

I don't know or care to know one's private and personal income or healthcare costs, but of course the whole part of the exchanges is that the subsidies are a part of it.

the subsidy then becomes a cost reducing mechanism.

this.

just seems obvious.

I'm with Kaiser Permanente. I am checking the exchanges to see Kaiser's offerings under the bronze, silver, and gold plans.

I will compare my current rate and coverage options for my family next to the ones being offered- by Kaiser, under the ACA.

 

No one is stating that exchanges magically reduce cost.
However, massively expanding the customer base, and having everyone compete transparently could reduce cost.

Buying from an exchange is a waste of time how, exactly? What is the better way to shop for insurance? Not a rhetorical question, I don't know. If someone wants to know the plans available to them, how should they shop?

 

Call a local broker who can get you the same plans at the same prices without you needing to fill out the ridiculous application process through healthcare.gov.

Don't get me wrong, if your total household income is under 400% of poverty level, by all means go through the exchange and get the subsidy to reduce your costs. But I know people who are using the exchange to buy insurance and getting frustrated by it when those same plans are available in a much simpler way.

If you live in Houston there are tons of brokers who do individual medical. You don't pay extra to use a broker. (This is by law) He/she can run you all the carriers in about 10 minutes and help you compare the plans. He/she can also show you the benefits to you of either going pre-Obamacare 12-1 or post-Obamacare 1-1. Then you pick a plan and can do the application online through a direct link that is much quicker than the federal process.

Edit: Heck, most brokers are certified to help you go through the exchanges as well. You should know that whether you buy through the exchange or off, with or without a broker, there is no price difference and most of the carriers actually assign you a broker to give commissions to that you'll never meet.

 

The cost of the plans for my employees went down quite a bit (but in Illinois).

 

But then, as a typical liberal, you are not telling the whole story. You only had two employees and they both retired last week.

 

Good information, thanks!

Another question: is this true for all states? Can someone use a broker free of charge anywhere in America, or just Texas?

Some dudes coded this in a few days: http://www.thehealthsherpa.com/

Just enter the zip code, then you can add family members, income, etc after. Pretty simple to use.

 

It is not a cost reducing mechanism. The cost is still exactly the same if you are getting a subsidy, it just means the tax payers are paying for some of it for you. Legislation/Action to help reduce the cost of healthcare is what Americans wanted and it is not what they got.

 

Gosh you are soooo right! Too bad republicans weren't concerned enough with that idea to work with democrats to make that happen.