Signed, sealed, delivered! Who else has a new health insurance policy?

He must have had few choices in his area. we had 76 available in Austin. and no, my deductible isn't 10,000. It's 1500

We went with BCBS. We did qualify for a modest tax credit, which we're going to apply to our income taxes, but that might change after the "adjustment period," which is one of the options.

We are paying more than 800 less per month !(UNSUBSIDIZED)than we had been paying through our Texas Risk Pool policy, which has averaged more than 2000 a month over the past 20+ years.

So maybe I'm an atypical case since I was paying such high premiums before as a household with two self-employed people with pre-existing conditions, AARP age, but again. I don't give a shit. those bastards bled me dry for nearly a quarter century.

Coverage is better. Network includes our primary care docs and specialists. Same copay as before. Free wellness visits and cheap and free drugs. Other goodies that went covered before, like vision and hearing tests, chiropractic and physical therapy.

what else do you want, my social? Birthdate? Home address? You fuckers are incredible. Good luck with that.

Frankly I've given you way more information that you deserve, but maybe now you'll go to healthcare.gov and check out the options. You may qualify for a tax credit but either way you can compare the policies available for you, your family and your circumstances. THEN YOU CAN CHOOSE TO BITCH AND MOAN OR get a new policy.

where did I say I wasn't using healthcare.gov, Gonad?

You boys just don't get it, do you? In spite of all of your bullshit screaming, yelling and turning blue in the face, I got my policy. And I like it. And I feel for the first time In more than two decades that the fucking insurance companies aren't ripping me off.

Pity you boys are so jealous and resentful that the system does work. But that's your problem.

I was just wondering who else has "made it" through the process.

THANK YOU BARACK OBAMA!

Fuck you dipshits! Originally Posted by Yssup Rider

I am happy this is working out for you. However, as you stated you are not a typical case. Your age and pre-existing conditions would make you an expensive customer for the insurance company.

Where I have the difficulty is that you are praising a program that is adding to the burden we are placing on our kids so that those that are older have it easier. We are a greedy group since this only works by placing the cost of this on those people that are just starting out in their lives and careers. They are supporting kids, saving for those kids education, saving for their own retirement, and paying for those currently on social security and medicare. On top of that they will be facing 20 or more trillion in government debt in the near future. They will not have the luxury of dumping more on their kids since that well will be empty. Yep, this is a wonderful program for greedy people and the worst problem is that it will not do anything to lower the cost of health care. It will, just like the current insurance programs have, continue to cause the increase in the cost of health care.

I am happy this is working out for you. However, as you stated you are not a typical case. Your age and pre-existing conditions would make you an expensive customer for the insurance company.

Where I have the difficulty is that you are praising a program that is adding to the burden we are placing on our kids so that those that are older have it easier. We are a greedy group since this only works by placing the cost of this on those people that are just starting out in their lives and careers. They are supporting kids, saving for those kids education, saving for their own retirement, and paying for those currently on social security and medicare. On top of that they will be facing 20 or more trillion in government debt in the near future. They will not have the luxury of dumping more on their kids since that well will be empty. Yep, this is a wonderful program for greedy people and the worst problem is that it will not do anything to lower the cost of health care. It will, just like the current insurance programs have, continue to cause the increase in the cost of health care. Originally Posted by Laz

exactly what burden are we placing on our kids?


the burden of having an insurance policy that relieves them of financial obligations, and keeps them out of bankruptcy court when you get really sick and run up huge medical bills and devastate their lives for the 10 years ?

yeah I want that for MY kid

I am happy this is working out for you. However, as you stated you are not a typical case. Your age and pre-existing conditions would make you an expensive customer for the insurance company.

Where I have the difficulty is that you are praising a program that is adding to the burden we are placing on our kids so that those that are older have it easier. We are a greedy group since this only works by placing the cost of this on those people that are just starting out in their lives and careers. They are supporting kids, saving for those kids education, saving for their own retirement, and paying for those currently on social security and medicare. On top of that they will be facing 20 or more trillion in government debt in the near future. They will not have the luxury of dumping more on their kids since that well will be empty. Yep, this is a wonderful program for greedy people and the worst problem is that it will not do anything to lower the cost of health care. It will, just like the current insurance programs have, continue to cause the increase in the cost of health care. Originally Posted by Laz

How is making young people pay for insurance a debt to our kids? The debt to our kids is coming from the so called greatest generation and ensuing generations not paying nearly enough into SS and Medicare as they are taking out.

When you talk about 'end of life care' for their families, they cry Death Panels!

How is making young people pay for insurance a debt to our kids? The debt to our kids is coming from the so called greatest generation and ensuing generations not paying nearly enough into SS and Medicare as they are taking out.

When you talk about 'end of life care' for their families, they cry Death Panels! Originally Posted by WTF

The money they spend on premiums now doesn't go into investments -- e.g., savings accounts or real property -- and accrue interest for their future use.

We went with BCBS. We did qualify for a modest tax credit, which we're going to apply to our income taxes, but that might change after the "adjustment period," which is one of the options.

We are paying more than 800 less per month !(UNSUBSIDIZED)than we had been paying through our Texas Risk Pool policy, which has averaged more than 2000 a month over the past 20+ years.

So maybe I'm an atypical case since I was paying such high premiums before as a household with two self-employed people with pre-existing conditions, AARP age, but again. I don't give a shit. those bastards bled me dry for nearly a quarter century.

Coverage is better. Network includes our primary care docs and specialists. Same copay as before. Free wellness visits and cheap and free drugs. Other goodies that went covered before, like vision and hearing tests, chiropractic and physical therapy.

what else do you want, my social? Birthdate? Home address? You fuckers are incredible. Good luck with that.

Frankly I've given you way more information that you deserve, but maybe now you'll go to healthcare.gov and check out the options. You may qualify for a tax credit but either way you can compare the policies available for you, your family and your circumstances. THEN YOU CAN CHOOSE TO BITCH AND MOAN OR get a new policy.

where did I say I wasn't using healthcare.gov, Gonad?

You boys just don't get it, do you? In spite of all of your bullshit screaming, yelling and turning blue in the face, I got my policy. And I like it. And I feel for the first time In more than two decades that the fucking insurance companies aren't ripping me off.

Pity you boys are so jealous and resentful that the system does work. But that's your problem.

I was just wondering who else has "made it" through the process.

THANK YOU BARACK OBAMA!

Fuck you dipshits! Originally Posted by Yssup Rider

I was FINALLY able to sign up as well. Initially I just wanted to compare my current coverage to what's being offered and I found comparable coverage for less.


Got no subsidies.

Saving a little over $3,800.00 Annually which is more than enough to fund my hobby budget

exactly what burden are we placing on our kids?


the burden of having an insurance policy that relieves them of financial obligations, and keeps them out of bankruptcy court when you get really sick and run up huge medical bills and devastate their lives for the 10 years ?

yeah I want that for MY kid Originally Posted by CJ7

If all they were paying for was the risk of insuring themselves you would have a reasonable argument. However, the premiums they pay are higher to offset the cost of people older than them so that they will pay less. That is shifting the cost to the backs of younger people.

If all they were paying for was the risk of insuring themselves you would have a reasonable argument. However, the premiums they pay are higher to offset the cost of people older than them so that they will pay less. That is shifting the cost to the backs of younger people. Originally Posted by Laz

active young adults are prone to putting themselves in situations where bodily harm isn't uncommon ..., they get cancer and other costly diseases too...


one broken leg from falling off a mountain bike covers the cost of a yearly premium

Jeez, man. You make it sound like you don't pay any taxes at all. My kids pay for my forthcoming social security just like I paid for my parents. You seem to be really missing the boat.

Unemployed uninsured kids can stay on their parents policies until they're 26. If they can't afford insurance then, they can qualify for premium tax credits. If they can, then they can buy a bronze or catastrophic plan that will keep THEIR asses out of the emergency room, pay for catastrophic episodes that'll bankrupt them and keep the cost of health care from rising. My kids ALL have and have had better coverage from their employers than I've been able to get as a self employed businessman. I'm NOT worried about the burden I'm passing on to them (ahem ... three through college ... etc.)

I think you've got this whole thing upside down.

Glad to hear you've got yours too Gentle Giant. Again, I think they've got it fixed to the point where you can TCB in a day or so.

Lot of carping from guys who apparently haven't had to worry about health insurance, bitching about people who haven't been able to get any previously.

Whine on brothers. It ain't going away. Maybe one day in the not too distant future, you'll pass out in a bar, bust your head on the floor and not have to wait so long to get stitched up!

If all they were paying for was the risk of insuring themselves you would have a reasonable argument. However, the premiums they pay are higher to offset the cost of people older than them so that they will pay less. That is shifting the cost to the backs of younger people. Originally Posted by Laz

You do realize that healthy people are the one's that get screwed on insurance....no different that good drivers. Right now, young folks were not paying at all....that is the point of making them pay. They get the benefit of care if they get sick by way of ER's. That is not fair. I have no problem making people pay for something they may need. We do that with police and fire. They should pay for that benefit unless we have some law that says if you do get sick and do not have insurance , tough shit. Go die in the back ally. We have no such law. So folks should have insurance....but everybody needs to buy in for it to work correctly. We will see if that is the case.

The money they spend on premiums now doesn't go into investments -- e.g., savings accounts or real property -- and accrue interest for their future use. Originally Posted by I B Hankering

Or beer or to the ER's when they go out and have an accident.

Look, if we had a law where ER's did not have to help the sick, then your point would be more valid. But as it is, they get to freeload off the ER's if need be.

You do realize that healthy people are the one's that get screwed on insurance....no different that good drivers. Right now, young folks were not paying at all....that is the point of making them pay. They get the benefit of care if they get sick by way of ER's. That is not fair. I have no problem making people pay for something they may need. We do that with police and fire. They should pay for that benefit unless we have some law that says if you do get sick and do not have insurance , tough shit. Go die in the back ally. We have no such law. So folks should have insurance....but everybody needs to buy in for it to work correctly. We will see if that is the case. Originally Posted by WTF

this explains the cost of a broken leg without insurance, ...with and without surgery and emergency room costs if needed..

http://health.costhelper.com/broken-leg.html

beg your pardon ... young adults up to 26 years old can remain on their parents policy ,, there goes your argument Laz

If you follow this discussion, a single-payor system of national health care SURE makes things simpler. Maybe that's why all the civilized countries on earth, and a bunch that aren't, use that model.

Don't really want to get into a shit throwing contest over "SOCIALISM" again. I know where you knuckledraggers stand. But I'd like to know how many of you really believe that a system dictated by the profit projections of:

• private insurance companies
• pharmaceutical companies (that can't price gouge anywhere but the US) and
• hospital chains that charge $35,500 for a knee replacement ($350 for the actual prosthetic) even after the doctor says it's a 10000 procedure

is better.

If you follow this discussion, a single-payor system of national health care SURE makes things simpler. Maybe that's why all the civilized countries on earth, and a bunch that aren't, use that model.

Don't really want to get into a shit throwing contest over "SOCIALISM" again. I know where you knuckledraggers stand. But I'd like to know how many of you really believe that a system dictated by the profit projections of:

• private insurance companies
• pharmaceutical companies (that can't price gouge anywhere but the US) and
• hospital chains that charge $35,500 for a knee replacement ($350 for the actual prosthetic) even after the doctor says it's a 10000 procedure

is better. Originally Posted by Yssup Rider

Well, single-payer IS socialism, but you fail to offer a free market choice. The prior system was run by government chosen winners. It was not in any stretch of the imagination, a free market.

Is Obamacare better than the prior system? Essentially, it's quite similar. We still have government chosen winners, but now we have a centralized government database of even more of our private information. So, no.

I'd like to try a free market approach.

Well, single-payer IS socialism, but you fail to offer a free market choice. The prior system was run by government chosen winners. It was not in any stretch of the imagination, a free market.

Is Obamacare better than the prior system? Essentially, it's quite similar. We still have government chosen winners, but now we have a centralized government database of even more of our private information. So, no.

I'd like to try a free market approach. Originally Posted by CuteOldGuy

Oh, I thought the free market approach was what everybody had been trying for the last 100 years and what had resulted in roughly a quarter or so of the population of the United States not having access to healthcare that wasn't complete paid for by taxpayers. No?

Come on, COG, let's have the discussion.....unlike your idiot friends on here, you are at least usually articulate. Misguided, wrong and evil....but articulate. Bring it.