General Discussion

uppityperson

(115,677 posts)

4. k&r though there are provisions of Obamacare that affect those with employer based insurance

Mon Oct 7, 2013, 03:40 PM

Oct 2013

My employer based insurance rates and deductible increased every year and the benefits decreased, back several years ago when I had it. I expect it will continue to do so for those who have it now. BUT, ACA does have provisions that even those employer-based insurance plans must follow which are good.

I am agreeing with you, just adding on.

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If you're not buying Obamacare, stop saying you are. OK? [View all] riqster Oct 2013 OP

Because I can buy insurance on the open market & not be restricted by "pre-existing condition". . . Journeyman Oct 2013 #1

Granted. and there are lots of benefits that the ACA gives us riqster Oct 2013 #3

I'm blaming Obamacare... notadmblnd Oct 2013 #29

If you slice your arm open and go to ER that is not "Obamacare" - TBF Oct 2013 #65

He is able to be covered on my policy till he is 26 because of the ACA notadmblnd Oct 2013 #72

Cool - thanks for clarifying! TBF Oct 2013 #73

Well why did you write that you are blaming Obamacare? brush Oct 2013 #76

Apparently it was a poor attempt at humor. notadmblnd Oct 2013 #78

Oops! Sorry I missed the joke brush Oct 2013 #79

Are you saying that even non-exchange insurance policies pnwmom Oct 2013 #6

The answer to the first part of your question is yes. The second part, partly. riqster Oct 2013 #8

Everyone I've spoken with so far (Kaiser, HealthNet, Blue Shield) say preexisting conditions are... Journeyman Oct 2013 #10

Thanks! pnwmom Oct 2013 #18

But I can assure you that pre-existing conditions were a big problem before the ACA. JDPriestly Oct 2013 #26

Well understood. My "pre-existing" condition was "non-existent," but it cost me nonetheless. . . Journeyman Oct 2013 #42

Does this explain that ? dipsydoodle Oct 2013 #2

That's covered at the link in the OP. riqster Oct 2013 #5

k&r though there are provisions of Obamacare that affect those with employer based insurance uppityperson Oct 2013 #4

Yep. Thanks. riqster Oct 2013 #7

And premium rebates Kber Oct 2013 #9

Good point. riqster Oct 2013 #12

not so fast. I support the ACA. I am currentlunder poverty level. I pay for health insurance. A lot. robinlynne Oct 2013 #11

It sounds like you are saying you COULD buy under an exchange, but it's not a good deal for you. riqster Oct 2013 #14

correct. robinlynne Oct 2013 #15

Where do you live? Marrah_G Oct 2013 #37

no because I have money saved in the bank. My income is below poverty level. robinlynne Oct 2013 #55

quit smoking, robinlynne Skittles Oct 2013 #59

Kicking's a bitch pscot Oct 2013 #71

Very good point Kber Oct 2013 #13

What are copays? HockeyMom Oct 2013 #16

We have three plans Kber Oct 2013 #19

What if you need major medical care, like surgery? Do you pay 50%? robinlynne Oct 2013 #57

Yes, 50% HockeyMom Oct 2013 #69

Also, since the passage of the law.... Wounded Bear Oct 2013 #17

S'truth. riqster Oct 2013 #20

Exactly Rebl Oct 2013 #36

yes. robinlynne Oct 2013 #58

Employers are doing other things that relate to ACA... MANative Oct 2013 #21

Yep. They are tying to screw us any way they can. riqster Oct 2013 #23

Well, the truth is, we have no idea if that's the case. MANative Oct 2013 #30

Your Rebl Oct 2013 #38

Don't know if I'm buying it or not - still can't log on. n/t cigsandcoffee Oct 2013 #22

Are people that dense? Economics 101. Leopolds Ghost Oct 2013 #24

Yep, people are that dense. riqster Oct 2013 #25

Your sesquipedalian loquaciousness fails to address the underlying issue. Leopolds Ghost Oct 2013 #27

the insurance companies are still competing with each other Pretzel_Warrior Oct 2013 #35

Or not pay the penalty Leopolds Ghost Oct 2013 #41

or do like Portland--FOOD CARTS! Pretzel_Warrior Oct 2013 #43

Here in the glorious capital of (fill-in-the-blank), they just apssed a law to limit food carts Leopolds Ghost Oct 2013 #49

They are a cartel with an anti-trust exemption, they are not competitive in the way you pretend. TheKentuckian Oct 2013 #75

yes they are. Pretzel_Warrior Oct 2013 #77

Fun word choice. riqster Oct 2013 #53

What does that mean? LynnTTT Oct 2013 #45

I'm assuming you know exactly what I'm talking about Leopolds Ghost Oct 2013 #46

There's a lot more to Obamacare than the exchanges DesMoinesDem Oct 2013 #28

Why does the ACA not have provisions and laws to prevent such damage? seveneyes Oct 2013 #31

nope. this law doesn't address the amount and cost of actual health care. THAT is one of the things Pretzel_Warrior Oct 2013 #44

It does LynnTTT Oct 2013 #47

What is bullshit is the convoluted requirements, I don't know if I can go on the exchanges or not... Humanist_Activist Oct 2013 #32

I think Rebl Oct 2013 #40

That's not the issue, I already know that, I'm asking if I can apply for an exemption. n/t Humanist_Activist Oct 2013 #48

You can buy but the purchase is unsubsidized and your employer contribution is not portable. TheKentuckian Oct 2013 #54

See, this is the confusing part, according to the paperwork I got from work, its 8% of income... Humanist_Activist Oct 2013 #62

I've never heard the 8% before, I guess if you are there then it will be time to push back TheKentuckian Oct 2013 #74

9.5% Yo_Mama Oct 2013 #60

I looked at my latest year to date, just got paid, its 15,000 dollars(gross)... Humanist_Activist Oct 2013 #63

If you wind up making 19K Yo_Mama Oct 2013 #70

I have health care through my employer, and I have the VA when needed. Rebellious Republican Oct 2013 #33

No O care here Puzzledtraveller Oct 2013 #34

Actually, I'm not employed, I don't earn 100% of poverty level so I CAN'T buy off the ACA Exchange. HereSince1628 Oct 2013 #39

The Supremes really screwed the pooch riqster Oct 2013 #51

k&r for exposure. n/t Laelth Oct 2013 #50

Thanks. riqster Oct 2013 #52

Already have health insurance Yo_Mama_Been_Loggin Oct 2013 #56

Right now I have insurance through my wife's employer. When she B Calm Oct 2013 #61

I'm just holding my breath hoping my wife doesn't get kicked off ileus Oct 2013 #64

I don't have to stop. LWolf Oct 2013 #66

There's SHOULD, and there's IS. riqster Oct 2013 #67

The problem with the ACA is that the greedhead scum-sucking insurance companies locked up Doctor_J Oct 2013 #68