Obamacare is not a disaster

[StrayKat]

47. Yes, people who buy their own insurance.

Last edited Sat Nov 9, 2013, 09:02 PM - Edit history (1)

I see the same problems as before.

Brush: Hell, even on my most recent job, the deductible went up last year to $3000, effectively making my insurance from my job even a "junk" policy.

The current cap on deductibles is $6,350 for individuals and $12,700 for families. I don't see how this is more of a protection if you thought that a $3,000 deductible made for a junk policy.

Brush: My point is, we'll all be better off when everyone is contributing to the ACA and helping the "common good" by paying for provisions like say, "maternity care" when you you're a middle-aged male.

We now have different classes of coverage: 1. people with employer insurance, 2. people with Medicare, 3. people who qualify for Medicaid, and 4. people who self-pay. It doesn't seem like there is much of a "common good". A 2% overall overpay in a year in the self-pay group doesn't go toward covering an upsurge in Medicare costs, for example, and vice versa.

Also, from what I can see, our costs were so high before that everyone was already paying for maternal care even if it wasn't covered. We were all paying in the form of higher prices being paid by those who had insurance or could afford it for the 'free' prescriptions for those in need that some pharmaceutical companies offered . One way or another everything was being paid for. I can't see how this changes anything because while more people paying premiums are being added into the system, so are more people with expensive pre-existing conditions and people who are heavily subsidized.