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Getting Health Insurance With New Obamacare Exchanges

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  • Strongly Liberal Democrat
    Democrat
    Portland, OR
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    With the endless Republican obstructionism and attempted roadblocks regarding the Affordable Care Act, many individuals in this country are in the dark about what the new Health Insurance Exchanges are exactly. What everyone first needs to know is that the vast majority of all Americans will have no change to their coverage at all because the vast majority of Americans, 154 million to be exact, already have health coverage through their employer. Regardless of what many on the right have claimed, the vast majority of companies have shown no desire to dump their employee's health coverage and these individuals will see little to no change in their health coverage.

    The Health Insurance Exchanges are for the seven percent of citizens in this country that do not have health insurance and don't qualify for Medicare or Medicaid. The exchanges are run by the states, so your experience can vary wildly depending on what state you live in. Residents of states that have been actively setting up their exchanges will be at a far greater advantage than those residents of states whose state governments have been working feverishly to derail the law in any way they can. That does not mean that those of you in the latter of those two are entitled to any fewer benefits of the law, but you will have to be more proactive in your search for health care within the exchanges.

    What everyone needs to know is that you will not be denied care for any reason from now on. Gone are the days of insurance companies being able to dictate who does and doesn't qualify for coverage. Insurance companies will also be limited in how much they can charge the disabled and sick. Because of this, the success of these marketplaces will be dependent on young and able bodied individuals signing up for coverage in the Health Insurance Exchanges.

    There is still a lot of confusion out there about what individuals may qualify for, so here are a few links that will give you much more information.

    What is the Health Insurance Marketplace?

    Health Insurance Marketplace Main Page

    Video Explaining How Obamacare Works For You

    Phone Numbers and Other Contact Information
  • Liberal Democrat
    Democrat
    Colorado Springs, CO
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    Thanks Jared for sharing these links. It flusters me to hear any American say that they don't know what the Affordable Care Act is all about. There have been numerous websites and articles by reputable journalists over the past few years explaining it again and again and again. Yet people say Obama hasn't done a good enough job explaining it. It's just laziness on their part. Nevertheless, I do know that those that are most affected, the people with a preexisting condition, have been paying attention. They have the most to lose if Ted Cruz's "bananarepublicans" are successful.

    I think the people that are the most "misinformed" are those with health insurance obtained through their employers.

    Then there are the comedians calling attention to ignorance. Jimmy Kimmel asked people on the street if they preferred ObamaCare or the Affordable Care Act. They all preferred the ACA over ObamaCare. It demonstrates how effective the Fox News Noise Machine has been in misinforming the public. It's also a sad commentary on ignorance in America.
  • Other Party
    Nebraska
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    Schmidt you give far too much credit to Fox News. Most of those who do not know the difference in ACA and Obamacare do not watch ANY news outlets. They are not just misinformed, they are intentionally uninformed and that's exactly how they like it. Ask them about the latest video game, or "reality" show on TV, or the latest news about the Kardashians, and they will show you what they DO know about.

    Fox doesn't do this to them, they do it to themselves.
  • Liberal Democrat
    Democrat
    Colorado Springs, CO
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    jamesn --

    Yes I agree. It's much more than Fox News. I recall a few years ago Jay Leno interviewing people on the street about common everyday topics that they should know about. The ignorance was astounding. I would add sports teams as another distraction from news events.

    The term I often use is "willful ignorance."
  • Liberal
    Other Party
    Llos Angeles, CA
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    jamesn Wrote: Schmidt you give far too much credit to Fox News. Most of those who do not know the difference in ACA and Obamacare do not watch ANY news outlets. They are not just misinformed, they are intentionally uninformed and that's exactly how they like it. Ask them about the latest video game, or "reality" show on TV, or the latest news about the Kardashians, and they will show you what they DO know about.

    Fox doesn't do this to them, they do it to themselves.
    The poorer and more uneducated people become, the more they seek entertainment. I spent a lot of time in various parts of Mexico during the nineties. I guess when you have nothing....entertainment provides an escape.....Better start sizing your new sombrero. OH SORRY, I have to go....THE KARDASHIANS ARE ABOUT TO START.
  • Center Left
    Independent
    Denton, TX
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    I think people are just becoming more apathetic. Not necessarily poorer or uneducated. It's a massive and complex system, and an individual is just 1 of 320,000,000. What can that person do?
  • Other Party
    Nebraska
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    Zach ..."What can that person do?"...

    That person can do several things, first of all get educated and then take the time to vote. Less than half of Americans vote. Lots of those that DO bother to vote don't know anything about the issues. They vote the way their friend tells them to, or for Obama because he's black, or against Obama because he's black, or the way their father told them to vote several decades ago. There really should be a very basic test before a person is allowed to vote. No one who knows absolutely nothing about the candidates or the issues should be allowed to vote, but we know THAT's not going to change.

    After they get educated they CAN help educate others. That's what they CAN do, but mostly they are not interested.

    I agree that people are becoming more apathetic and our culture encourages them to spend all their time texting, or watching "reality" TV, or getting more tattoos, or looking at the latest Youtubes. Very few young people read newspapers or watch news programs anymore and it is getting worse all the time. They do not know anything about what is happening in the nation and the world and they are completely happy with that.

    People on this DemocraticHub ARE aware of the issues and we vote, but most Americans are not like us.
  • Liberal Democrat
    Democrat
    Colorado Springs, CO
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    Jamesn --

    I agree with you on the need to get educated on the issues. As a volunteer for the Obama Campaign last year I knocked on some 700 doors to talk to people about issues that concern them. While I certainly appreciated lively discussions with some folks, as a whole I found people to be very uninformed or worse, misinformed, on issues that any 5th grader would know all about. Many were one issue voters (e.g. guns), but had total ignorance on all the other issues of the day...and it didn't seem to matter to them one bit.

    However, I would not go so far as to deny them their vote. I believe every American should vote and it's not a right I would take away except if they were convicted felons incarcerated.

    Also, many people are turned off by the political process and negative ads, and they believe their vote doesn't matter. I don't know how to convince them otherwise except to spend time with them...many just slammed the door in my face. I do respect people who take the time to vote even if they are misinformed, but have less respect for those that don't vote for whatever excuse they are inclined to offer up.
  • Center Left
    Independent
    Denton, TX
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    The majority of people in my circles don't vote or watch the news because they see the entire political and national news scene as a circus: full of lies, corruption and half-truths. Can't say I blame them most days. I want to debate them, and do sometimes. But, that is the consensus I run into, more often than not.
  • Other Party
    Nebraska
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    Schmidt and sbfriedman you are both correct, American politics are so messed up that I can't blame anyone for choosing not to follow it on any kind of a regular basis.

    However, when it comes to voting, I think that an amazingly high percentage of voters could not name the vice president, or one of their senators. Their ignorance is astounding and I wish there were some way to ensure that they had at least a rudimentary knowledge of the candidates and issues before being allowed to vote. I know it won't happen.

    As far as one-issue voters go, gun control may have taken over from abortion as number one!
  • Independent
    Ft.myers, FL
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    jamesn Wrote: Schmidt and sbfriedman you are both correct, American politics are so messed up that I can't blame anyone for choosing not to follow it on any kind of a regular basis.

    However, when it comes to voting, I think that an amazingly high percentage of voters could not name the vice president, or one of their senators. Their ignorance is astounding and I wish there were some way to ensure that they had at least a rudimentary knowledge of the candidates and issues before being allowed to vote. I know it won't happen.

    As far as one-issue voters go, gun control may have taken over from abortion as number one!
    Slowly but surely I get the impression that this whole country is kind of going nuts. Just as an example related to what happened yesterday in D.C.
    They killed a woman who did not drive the way they liked in that "holy" area. (which area actually is the property of us "the people"). I guess these cops never left the army; shoot on anything what moves. Common sense "civil" police (if that exists in this country) would have just shot out the tires and arrested or questioned this woman. Of course they were ignorant that also a little kid was in the car, who now lost its mother.
    Only in dictatorships the leaders get this much protection; in the Netherlands even the Prime Minister rides on his bicycle through town, people barely notice that. A world of difference compared to here.

    Love those guns; army training is great once you join the police. Wow!! I guess "brains" are not required on the job; shoot every squirel or human whatever moves.
  • Democrat
    Philadelphia, PA
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    After watching the video several times on different news casts ,it seems that the officers were firing to disable the car, like shooting the tires, the many bullet holes in the fenders I guess is evidence of that tactic, that attempt failed, there is no video of the actual take down, so I can only imagine that officers decided to use lethal force to prevent any further injuries or worse, and not knowing what was the intent of the individual only intensifies the situation, perhaps a car bomb, maybe the occupant gets out of the car and starts blasting away, I for one will not Monday morning QB the officers actions, the very Liberal media will go over this with a fine tooth comb, they will speculate on all possible scenarios except the actual one that transpired, and then render some type of a venial judgement on the officers ,demand reforms in future shooting actions, and then follow up with a lawsuit so the child will get a free ride for the rest her life.
  • Other Party
    Nebraska
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    If the lady would have gotten out of her car, like the police were telling her to do, she would be alive today.

    She made the decision to drive her car, which was a deadly weapon, into a barrier, then hit and injured a secret service officer, ran into and damaged a police vehicle, then drove in a high speed chase through the most heavily policed city in the nation, if not the world.

    What if she had crashed into a car with another young mother with her child? She could have easily killed them. What if she had crashed into a group of tourists? A lot more people could have been killed. The cops didn't know if she had a gun or a bomb, and she had to be stopped.

    This was suicide by cop. Did she know what she was doing? We'll never know.
  • Center Left
    Independent
    Denton, TX
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    Anyone on here go to their state's healthcare page and see what their premiums would be? (assuming you don't already have insurance, that is)
  • Strongly Liberal Democrat
    Democrat
    Portland, OR
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    sbfriedman Wrote: Anyone on here go to their state's healthcare page and see what their premiums would be? (assuming you don't already have insurance, that is)
    I'm actually signing up for the health co-op in Oregon. It is member-directed and a nonprofit organization. I'll be paying right around what I have been with private insurance, but will be eligible for a lot of expanded options that I didn't already have, including having the option of pursuing naturopathic medicine. I'd definitely recommend that anyone who lives in states that have co-ops to check them out.