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Old August 27th, 2013, 07:59 PM   #1
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Default how will obamacare affect the average full time working person?

How will this affect all of us and our employers? will our premiums go up/down or will employers cost go up/down?
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Old August 27th, 2013, 08:29 PM   #2
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My premium went up 35%, when I called to ask why they it was because of the unknown cost that Obamacare will cost the insurance company.
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Old August 27th, 2013, 08:32 PM   #3
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Originally Posted by gmotox View Post
My premium went up 35%, when I called to ask why they it was because of the unknown cost that Obamacare will cost the insurance company.
Mine too. I don't know the %, I was too annoyed to bother figuring it.
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Old August 27th, 2013, 09:01 PM   #4
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This says a lot about obamacare

http://newsbusters.org/blogs/matthew...-nbc-out-lunch
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Old August 27th, 2013, 09:14 PM   #5
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My premium went up 35%, when I called to ask why they it was because of the unknown cost that Obamacare will cost the insurance company.
your health insurance premium already went up 35%? wow. I know my car insurance went up this year due to ACA im guessing it went up 10% or so.
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Old August 28th, 2013, 12:00 AM   #6
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First off I'll admit I haven't gone to great lengths at all to try and figure out what's GOING to happen when the affordable care acts is fully enacted but I have seen what has happened to the premiums of ppl. that I know. Some are paying their own policies and others are paying their share of it at work. My share at work is now over 100 bucks a week for a "family" plan with no vision or dental. Much as I'd love bitch about it I have a child with ulcerative colitis and I am VERY grateful to have insurance.
I know some dairy farmers nearby who have been dealing with skyrocketing costs the last several years. By this I mean 3-5 years now of having 100% increases in premium costs annually. No, I'm NOT bullshitting either. One individual I know of (wife and no kids) is "rumored" to have premiums of about 20k. Granted one of them has a medical issue but it's not like they're in need of a new heart or cancer treatments either.
I see a lot of hoopla surrounding obamacare being thrown about but have yet to see any solid facts from a trusted source (please refer to the first sentence).
What I do know is that the health ins. companies have way more lawyers and beancounters available to them than I do so I'll I've got to do is look at the trend and I can see some serious shit is about to hit the fan.

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Old August 28th, 2013, 12:21 AM   #7
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We're all fukked. Might as well quit work and go on welfare.
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Old August 28th, 2013, 02:34 AM   #8
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Originally Posted by gmotox View Post
My premium went up 35%, when I called to ask why they it was because of the unknown cost that Obamacare will cost the insurance company.
Obamacare hasn't even went into effect yet. Your insurance company raised the premium because they wanted to and it had nothing to do with the cost of Obamacare.
**From my understanding** Basically Obamacare is going to reduce the amount they can bill. currently health insurance companies and hospitals can charge whatever they please and we just have to eat it, whereas Obamacare will limit what they can charge on certain fees, procedures, and premiums making it reasonable and creating a more affordable health care system (in a perfect world).
I am neither for against Obamacare, but I agree that health care is RIDICULOUS and health insurers/hospitals have been raping us for years.
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Old August 28th, 2013, 06:18 AM   #9
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My wife works for the schools which have traditionally had outstanding health care benefits. I have no idea if this is due to Obamacare or simply getting in line with controlling costs and matching other systems but this year we went from a minimal weekly copay (something like $15) to closer to $50 per week AND from zero deductible to $4000 deductible for the 2 of us. Again, is this due to Obamacare or simply controlling costs? We didn't really get an answer but it was a big change.

I have never used my employers benefits because my wife's have always been better. When we compared this year, it was basically the same.
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Old August 28th, 2013, 06:23 AM   #10
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I am neither for against Obamacare, but I agree that health care is RIDICULOUS and health insurers/hospitals have been raping us for years.
I can agree that the cost of healthcare is high. But by lowering it too much you will end up with uneducated and unskilled people working on the most important thing in the world.
What is your life worth?
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Old August 28th, 2013, 06:27 AM   #11
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My insurance for my wife and me went up $5 for this coming year. Last year I was paying $25 for the two of us, then it went to $90+. I switched companies to what I have now.
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Old August 28th, 2013, 06:40 AM   #12
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Last fall my Insurance dropped $30 a week over the prior year with no noticable change in coverage. Filled out some silly survey and got a physical and the payments were reduced were as coworkers who did not do the survey or physical went up in payments. With that said I have moderate insurance coverage and dental-vision (sort of, don't cover much). For family I pay $160/week.
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Old August 28th, 2013, 06:58 AM   #13
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The last time I had health insurance with nothing taken from my check was in 2002.

I currently make $3.00/hr more than I did in 02, but take home less. I really don't even want to think about how much I pay for health insurance I don't even use. But then, my wife makes up for that, she's in the advanced stages of hypochondria.
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Old August 28th, 2013, 07:01 AM   #14
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There are some interesting numbers being used by the IRS in their preparations for ACA and the penalties for not maintaining sufficient health insurance. A standard example in their literature cites a family of four earning $90k (high enough that they will not qualify for any subsidies for their HI costs) having to pay an average of $20k per year by 2015-2016.

A large portion of the growing cost is the requirement that certain services are covered by HI, where we used to be able to choose to buy lesser coverage.

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Old August 28th, 2013, 07:27 AM   #15
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Quote:
Originally Posted by whiterhino View Post
My wife works for the schools which have traditionally had outstanding health care benefits. I have no idea if this is due to Obamacare or simply getting in line with controlling costs and matching other systems but this year we went from a minimal weekly copay (something like $15) to closer to $50 per week AND from zero deductible to $4000 deductible for the 2 of us. Again, is this due to Obamacare or simply controlling costs? We didn't really get an answer but it was a big change.

I have never used my employers benefits because my wife's have always been better. When we compared this year, it was basically the same.
Nothing to do with Obamacare.

http://www.freep.com/article/2012081...ns-health-care
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Old August 28th, 2013, 07:50 AM   #16
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Probably should have been done years ago.
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Old August 28th, 2013, 07:57 AM   #17
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My auto insurance is my primary medical in case of an accident. With that being said, my car insure for my beater Honda is $114/6 months then they add another $180/6 months for the medical portion. I drive 3 vehicles, have zero points and only have PLPD on everything. I called the agent to ask why the large increase in the last year and it was explained to me that insurance companies are gearing up for the Obamacare spanking they are about to receive so they sticking it to everybody they can in the meantime. It seems like just yesterday I was paying $17/month for my VW Rabbit.
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Old August 28th, 2013, 08:03 AM   #18
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The biggest difference I see right now is if you don't have insurance you'll be required BY LAW to get it. Weather it's through an employer or the government you'll have to have it.
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Old August 28th, 2013, 08:05 AM   #19
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The biggest difference I see right now is if you don't have insurance you'll be required BY LAW to get it. Weather it's through an employer or the government you'll have to have it.
Unless you are black, in Congress, or in a Union.
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Old August 28th, 2013, 08:10 AM   #20
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Originally Posted by whiterhino View Post
Probably should have been done years ago.
I could have done without that.
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